*Life insurance products and services provided through Carte Risk Management Inc.

**Mutual funds provided by Carte Wealth Management Inc.

Carte Financial Group is a registered trade name for Carte Wealth Management Inc. and Carte Risk Management Inc.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus and/or fund facts 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.

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Premium wills provided by Willful
The information contained herein has been provided by Willful and is for information purposes only. The information has been drawn from sources believed to be reliable. Carte Wealth Management Inc. Carte Risk Management Inc. and its affiliates and related entities are not liable for any errors or omissions in the information or for any loss or damage suffered. Tax and/or legal advice is not offered by Retirement Income Group or Carte Financial Group. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.