CDA Essentials 2016 • Volume 3 • Issue 8

Listed are annual compound rates of return with all fees deducted for one-to-ten-year performance for the period ending August 31, 2016. The figures are historic results based on past performance and are not necessarily indicative of future performance. Returns are after the deduction of management fees, and so may differ from those published by the respective fund management companies. MERs are subject to applicable taxes. BlackRock is a registered trade-mark of BlackRock, Inc. * Morningstar ratings are based on analysis by Morningstar, Inc. of CDSPI funds with performance records of one year or more. For more details on the calculation of Morningstar ratings, please see www.morningstar.ca. For current CDSPI Investment/CDSPI Guaranteed Fund Rates visit www.cdspi.com/invest or call 1-800-561-9401. CDSPI Funds Performance Period ending August 31, 2016 CDSPI Funds can be used in our RSP, TFSA, RIF, Investment Account, RESP and IPP. Canadian Equity Funds MER 1 YEAR 3 YEARS 5 YEARS 10 YEARS MORNINGSTAR RATING* Aggressive Equity Fund (Fiera Capital) 1.00% 12.2% 12.7% 10.1% 6.2% ★★★★ Canadian Equity Fund (Trimark) 1.50% -0.3% -2.6% 2.9% 1.7% ★★ Common Stock Fund (Fiera Capital) 0.99% 6.5% 9.6% 5.5% 4.3% ★★★★ Dividend Fund (PH&N) 1.20% 10.4% 7.6% 7.6% 4.4% ★★★ High Income Fund (Fiera Capital) 1.45% 9.3% 4.4% 6.3% 4.0% ★★★ TSX Composite Index Fund (BlackRock®) 0.67% 7.8% 7.2% 5.1% 4.2% ★★★★ International Equity Funds Emerging Markets Fund (Brandes) 1.77% 20.4% 7.3% 4.9% 6.1% ★★★★ European Fund (Trimark) 1.45% 3.9% 11.7% 15.4% 5.6% ★★★★ Global Fund (Trimark) 1.50% 15.6% 16.9% 16.2% 6.4% ★★★★★ Global Growth Fund (Capital Intl) 1.77% 7.9% 14.9% 15.2% 7.3% ★★★★★ Global Real Estate Fund (Invesco) 1.75% 12.9% 16.1% 14.6% N/A N/A International Equity Fund (CC&L) 1.30% -5.2% 8.3% 10.8% 2.4% ★★★★ Pacific Basin Fund (CI) 1.77% 5.0% 9.5% 8.1% 3.4% ★★★ S&P 500 Index Fund (BlackRock®) 0.67% 9.8% 19.5% 20.3% 8.1% ★★★★★ US Large Cap Fund (Capital Intl) 1.46% 12.9% 17.4% 17.3% 5.2% ★★★★ US Small Cap Fund (Trimark) 1.25% 4.8% 11.2% 15.1% 9.3% ★★★ Income Funds Bond and Mortgage Fund (Fiera Capital) 0.99% 0.9% 1.5% 1.4% 2.5% ★★★★ Bond Fund (PH&N) 0.65% 5.6% 5.8% 4.4% 5.1% ★★★★★ Fixed Income Fund (MFS) 0.97% 4.9% 5.1% 3.8% 4.4% ★★★★★ Cash and Equivalent Fund Money Market Fund (Fiera Capital) 0.67% 0.3% 0.4% 0.4% 1.1% N/A Equity and Income Funds Balanced Fund (PH&N) 1.20% 6.7% 9.7% 8.2% 4.8% ★★★★★ Balanced Value Fund (MFS) 0.95% 6.3% 10.4% 9.4% 5.5% ★★★★★ Corporate Class Funds Canadian Bond Fund Corporate Class (CI) 1.10% 4.7% 5.1% 3.9% 4.6% ★★★★★ Canadian Equity Fund Corporate Class (CI) 1.65% 6.0% 8.5% 8.5% 5.9% ★★★★ Corporate Bond Fund Corporate Class (CI) 1.25% 5.6% 5.7% 6.4% N/A ★★★★ Income and Growth Fund Corporate Class (CI) 1.45% 2.1% 6.9% 7.4% 5.9% ★★★★ Short-Term Fund Corporate Class (CI) 0.75% -0.3% 0.3% 0.5% 1.1% N/A MANAGED RISK PORTFOLIOS (WRAP FUNDS) Index Fund Portfolios Aggressive Index Portfolio (BlackRock®) 0.85% 6.7% 10.5% 9.3% 5.3% ★★★★ Conservative Index Portfolio (BlackRock®) 0.85% 6.3% 8.3% 6.9% 5.2% ★★★★★ Moderate Index Portfolio (BlackRock®) 0.85% 6.5% 9.4% 8.1% 5.3% ★★★★ Income/Equity Fund Portfolios Aggressive Growth Portfolio (CI) 1.65% 4.4% 10.2% 10.7% 5.2% ★★★ Balanced Portfolio (CI) 1.65% 4.5% 8.5% 8.6% 5.4% ★★★★ Conservative Growth Portfolio (CI) 1.65% 4.7% 8.9% 9.1% 5.4% ★★★★ Income Portfolio (CI) 1.65% 5.4% 7.2% 6.8% 5.8% ★★★★ Income Plus Portfolio (CI) 1.65% 4.4% 7.6% 7.2% 5.3% ★★★★ Moderate Growth Portfolio (CI) 1.65% 4.4% 9.3% 9.7% 5.3% ★★★★