*Life insurance products & services offered through Carte Financial Services Inc., Carte Risk Management Inc., WealthFinancial.ca Corp., GroupQuest Benefits Resources Inc. and Financial Horizons Group

**Mutual funds provided through Carte Wealth Management Inc.

DISCLAIMER Commissions, trailing commissions, management fees and expenses may all be associated with mutual fund investments. Please read the Fund Facts and/or Prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund. A nominee account is one in which an investment is held in trust for an individual by a corporation or entity other than the individual. A segregated fund policy held within a self-directed plan is one example of investing in a nominee account. A segregated fund held in a nominee account may not offer creditor protection. Please read your Information Folder carefully and seek professional advice before investing. Commissions, trailing commissions, management fees and expenses may be associated your insurance contract.