SSQ FINANCIAL GROUP IS ONE OF ’S LEADING FINANCIAL INSTITUTIONS

• OVER 1,000,000 CLIENTS

• 2,000 EMPLOYEES

• NEARLY $3 BILLION IN BUSINESS VOLUME

• NEARLY $11 BILLION IN ASSETS UNDER MANAGEMENT

• OFFICES IN , , , MONTREAL, AND HALIFAX

LINES OF BUSINESS SSQ Financial Group meets the needs of its clients by offering products and services in several lines of business:

Group • Life insurance • Compassion insurance • Accidental death and dismemberment insurance • Health and wellness program • Disability insurance • Individual insurance — retirement and end of employment • Prescription drug insurance • Critical illness insurance • Health insurance • Long term care insurance • Travel insurance and trip cancellation insurance • Insurance for expatriates • Dental care insurance Investment • Segregated funds • Registered pension plans without member administration • Guaranteed Interest Accounts (GIAs) • Private wealth management • Individual savings and retirement plans: RRSP, TFSA, locked-in RRSP, NRSP, IPP, RRIF, locked-in RRIF and annuities Individual Insurance • Term life insurance • Permanent life insurance • Credit insurance • Critical illness insurance • Universal life insurance General Insurance • Auto insurance • Home insurance • Replacement insurance • Business insurance Real Estate • 2525 Laurier — Head office (Quebec City) • Cité Verte (Quebec City) • 2475 Laurier (Quebec City) • SSQ Place (Toronto) • 2505/2515 Laurier (Quebec City) • SSQ Tower (Longueuil) • 3000 Laurier (Quebec City) SSQ FINANCIAL GROUP AT A GLANCE

SSQ Financial Group stands out among insurers as a result of its stability and performance. Its consistent and stable financial results in spite of difficult financial markets are a true testament to the company’s strength.

In business since 1944 A.M. Best Credit Ratings Financial strength: A- (excellent) Stable perspective (SSQ, Life Insurance Company Inc.) Issuer’s credit: a- Stable perspective Data updated on September 17, 2015 Premiums SSQ Financial Group $2.78 billion Business volume SSQ Life — Group Insurance $1.66 billion as at December 31, 2014 SSQ Life — Investment $0.70 billion SSQ Insurance $0.18 billion SSQauto $0.23 billion Assets under management SSQ Financial Group Nearly $11 billion as at December 31, 2014

VALUES IN THE RIGHT PLACE

• MUTUALISM SSQ Financial Group’s strength has been its ability to combine its growth objectives with quality of service and social commitment. In addition to • SOCIAL COMMITMENT its mutualist values that put people and social development at the top of • ACCESSIBILITY its priorities, SSQ Financial Group is committed to being a modern and strong financial institution with its values in the right place. • INTEGRITY • EXPERTISE • RESPECT

THE RIGHT PLACE TO SECURE YOUR FINANCIAL PROTECTION

MRA1662A (2015-09)