LogosPower Financial CorporationEnglish

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MONTRÉAL

TORONTO

DUBLIN

HONG KONGWINNIPEG

Strength and stability3 Canadian pioneer in financial services since 1926

3 Serves approximately one million Canadians

3 More than 400 offices from coast to coast

3 A member of the Power Financial Corporation group of companies

3 Investors Group Inc. is a wholly owned subsidiary of IGM Financial Inc., and is one of the country’s largest managers and distributors of mutual funds and other managed asset products with over $132 billion in total assets under managementi

3 IGM Financial Inc. is the sixth largest publicly traded global asset manager by market capitalizationii

i Assets under management figure as at January 31, 2014ii Market Capitalization figure as at December 31, 2013

Complete financial services for individuals and corporationsShort-term

3 Chequing3 Savings3 Credit cards

Lending

3 Mortgages3 Loans 3 Lines of credit

Income protection

3 Life insurance3 Accident/sickness3 Critical illness3 Long-term care3 Health and dental3 Group insurance

Products & plans

3 Mutual funds3 RRSPs3 RESPs3 RDSPs3 Tax-Free Savings

Accounts (TFSAs)3 GICs3 Annuities3 Registered Retirement

Income Funds (RRIFs)3 Guaranteed

Investment Funds (GIFs)3 Tax-advantaged funds3 Individual pension plans3 Group retirement services3 Brokerage services through

Investors Group Securities Inc.3 Investors Group Charitable

Giving Program

World-class relationships

As of July 2013

**

Most Canadians face financial challenges

3 Low retirement income

– 87% of Canadian boomers feel they are not fully prepared for retirement

36% of surveyed boomers said that if they could go back and do it again, they would start saving for retirement earlier.*

Source: PMG Intelligence “Canadian Boomers and the New Retirement” 2009 Statistics shown represent responses from survey participants aged 45 to 70 who indicated they were not yet retired to the following question: “Thinking of everything about the time of life called retirement, including social, health, financial, recreational and other issues, how ready are you for retirement?”

* Investors Group’s “When I’m 65 Poll,” Oct/Nov 2010, online survey conducted by Harris/Decima

13% Extremely ready

34% Somewhat ready

32% Not sure

12% Not particularly ready

9% Not at all ready

3 Providing for family members

– 2 in 10 boomers are concerned about saving for expenses related to aging parents, as well as looking after their own needsi

3 Paying too much tax

– 42% of Canadians surveyed agree that reducing the amount of taxes they pay is an important immediate financial goali

3 Protecting yourself and your loved ones

– just over one in four of today’s 20-year-olds will become disabled before they retireii

3 Managing personal balance sheet

– one in three Canadians with debt admit to losing sleep over their debt loadiii

3 Choosing the right advice and best financial vehicles

– households without an advisor – have less investable assets – are less likely to take advantage of RRSPs and TFSAsiv

i Ipsos Reid, Canadians & Financial Advice, February 2013ii Council for Disability Awareness, 2013iii Investors Group’s “Gain and pain poll,” April/May 2011, online survey conducted by Harris/Decimaiv Ipsos Reid “Canadian Financial Monitor”, special analysis for IFIC, 2010

The value of adviceHousehold age

45 and under 65 and over45 – 54 55 – 64

no advice

Age of head of household (2009)

Ave

rage

inve

stab

le a

sset

s

$272, 761

$66,064$46,462$51,649$24,787

$246,752$140,155$79,074

3.2x 2.7x 5.3x 4.1x

with advice

Source: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010

Household income

$35,000 – $54,999 $100,000 or more$55,000 – $69,999 $70,000 – $99,999

no advice

Household income (2009)

Ave

rage

inve

stab

le a

sset

s

$214,587

$138,358$44,103$29,119$27,104

$164,542$197,273$125,348

4.6x 6.8x 3.7x 1.6x

with advice

Source: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010

National data shows that Canadians at any age and income level can benefit from having a financial advisor.

Keeping up takes time3 Increasing rate of change

3 Financial services are complex

3 Government legislated changes

3 Career and personal demands take priority

No one has taken the time to explain, in understandable terms, how to pull everything together!

We take the time3 Our purpose is to

– discover

– analyze

– explain

– advise

– solve financial problems

3 Recognizes individual differences

3 Is co-ordinated and flexible

3 Provides a personal financial program

3 Faces realities and finds opportunities

OUR APPROACHOur approach is unique...

3 We know that financial independence is:

– different things to different people

– getting the things you want

– doing the things you enjoy

– based on your lifestyle

OUR APPROACHOur approach is unique... recognizes individual

differences

Short-term reserve

Planning for emergencies and opportunities

Developing a financial reserve

Income & asset protection

For you and your dependants in case of:

– Premature death– Disability, critical illness

– Long-term care

Moderate-term goals

Educate my children

Purchase a home/cottage

Leisure activities

Longer-term goals

Financial independence

Retire comfortably

Preserve my estate

The Investors Four Cornerstones Philosophy™ is the foundation for financial independence.

* Six disciplines of financial planning

Insurance planning*

Estate planning*

Investment planning*

Tax planning*

Retirement planning*

Cash management*

Education planning

OUR APPROACH is co-ordinated and flexible

3 Helping you set financial goals

3 Taking advantage of tax-saving opportunities

3 Ensuring your investments reflect your personal financial goals

Financial independence depends on you – not the company, government, relatives or friends!

A part of all you earn is yours to keep.

OUR APPROACHprovides a personal

financial program

3 Planned events

– going to post-secondary school

– getting your first job

– getting married

– buying a home

– raising a family

– starting a business

– changing careers

– saving for retirement

– selling a business

– living in retirement

– planning your estate

OUR APPROACH

Throughout their lifetime, everyone can benefit from financial planning.

faces realities and finds opportunities

3 Unplanned events

– losing a job

– divorce

– receiving an inheritance

– winning a lottery

– accident or illness

– caring for a loved one

– death of a loved one

OUR APPROACH

Professional and personal service

Through the region office – Securities

– Mortgage and banking

– Insurance

3 Access to a team of specialists

Through head office

– Retirement planning

– Estate planning

– Tax planning

– Risk management

– Investment planning

– Product support

– Client administration services and support

– Technology support

3 We establish and maintain continuity of personal service by providing a

– realistic financial plan

– regular review and update

Your net worth is a snapshot of your current financial position. It is also a benchmark from which you can measure

progress towards your financial goals. Your net worth consists of the difference between the assets that you own

(such as your home and investments) and your liabilities (such as mortgages, loans and other debt). Based on the

information you have provided, you currently have a net worth of $1,075,000.

Your current cash flow position compares your income with your expenses. Based on the information you have

provided, you are expected to have a cash flow surplus of $26,255 at the end of 2010.

wolF hsaC

htroW teN

AssetsLiabilities Net Worth

IncomesOutflows Surplus

Net Worth

Registered Assets*

$520,000

Non-Registered Assets $170,000

Lifestyle Assets

$600,000

Total Assets

$1,290,000

Liabilities

($215,000)

Net Worth

$1,075,000

* TFSAs are included in Registered Assets

Cash Flow

Income

$214,797

Lifestyle Expenses

$104,756

Savings

$21,181

Estimated Taxes

$62,605

Annual Surplus

$26,255

Monthly Surplus

$2,188

Your personal plan makes it easy to

– know where you stand

– plan to reach your goals

– stay on track

Investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Service Firm) and Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund.

GICs issued by Investors Group Trust Co Ltd., and/or other non-affiliated GIC issuers.

Insurance products and services distributed through I.G. Insurance Services Inc. (in Québec, a Financial Services Firm). Insurance license sponsored by The Great-West Life Assurance Company (outside of Québec).

Investors Group Trust Co. Ltd. is a federally regulated trust company and the mortgagee. Mortgages are offered through I.G. Investment Management, Ltd.* Inquiries will be referred to a Mortgage Planning (Agent) Specialist. *In the Province of Ontario, Mortgage Brokerage Licence #10809, Mortgage Administrator Licence #11256.

The Canada Disability Savings Grant and the Canada Disability Savings Bond are provided by the Government of Canada. Eligibility depends on family income levels.

The Investors Group Charitable Giving Program is offered together with the Strategic Charitable Giving Foundation, which operates independently from Investors Group. Donations are irrevocable and vest with the Foundation. This information is general in nature and not intended to be professional tax advice. Please read the Program Guide for complete details, including fees and expenses.

Commissions, fees and expenses may be associated with mutual fund investments and the use of Symphony Strategic Investment Planning™. Read the prospectus and speak to an Investors Group Consultant before investing. Mutual funds are not guaranteed, values change frequently and past performance may not be repeated. Symphony is an asset allocation service which provides a strategic approach to investment planning relating only to Investors Group mutual funds.

Trademarks of financial partners appear with their specific approval.

Banking products and services are distributed through Solutions Banking™. Solutions Banking products and services are provided by National Bank of Canada.

™ Solutions Banking is a trademark of Power Financial Corporation. Investors Group and design are trademarks owned by IGM Financial Inc. and licensed to its subsidiary corporations. National Bank of Canada is a licensed user of these trademarks.

™ Trademark owned by IGM Financial Inc. and licensed to its subsidiary corporations.

C3146 (09/2013-PW)