Mutual Funds:

Mutual funds are offered through Investia Financial Services Inc. (“Investia”). Mutual funds are sold exclusively by Representatives who are licensed by provincial regulators and registered with Investia.

Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund investments. Please read the Fund Fact or prospectus carefully before investing. Mutual funds are not guaranteed, their values change frequently, and their past performance may not be repeated.

Insurance:

Insurance products are provided through Hub Financial.

OR

Insurance products are provided through multiple insurance carriers.

Segregated funds

Segregated fund products are offered through Hub Financial.

Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.

Guaranteed Investment Certificates

Guaranteed Investment Certificates (GICs) are offered through Investia Financial Services Inc. and/or multiple carriers.