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Fund Facts Booklet Dated December 31, 2020

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RIDER TO THE ECOFLEXTRA FUND FACTS BOOKLET DATED DECEMBER 31, 2020 Ecoflextra Contract issued by Industrial Alliance Insurance and Financial Services Inc. 1080 Grande Allée West, PO Box 1907, Station Terminus Quebec City, Quebec G1K 7M3 1-844-442-4636 [email protected] On August 31, 2021, the Fund Facts booklet (hereinafter the “Booklet”), which forms part of the Information Folder related to the Ecoflextra Contract is amended to reflect the following changes: — The investment strategies of the two following funds available in the “Guaranteed Surrender Series1” of Ecoflextra have been updated: - Global Disciplined Equity (iAIM) - International Disciplined Equity (iAIM) — The investment strategy of the following fund available in the “Classic Series 75/752” of Ecoflextra has been updated: - International Equity LIST OF AMENDEMENTS Effective August 31, 2021, this rider amends the Booklet in accordance with the following provisions: 1. The investment strategies have been updated as below: 1.1 Global Disciplined Equity (iAIM): The manager’s strategy is to invest in a well-diversified portfolio of securities from companies around the world with attractive growth potential and attractive valuation. The manager also ensures disciplined risk management. 2.2 International Disciplined Equity (iAIM): The manager’s strategy is to invest in a well-diversified portfolio of securities from companies outside of North America with attractive growth potential and attractive valuation. The manager also ensures disciplined risk management. 3.3 International Equity: The Fund is composed of a selection of quality international equities with good growth potential and attractive value, in companies located outside North America. 1 The Guaranteed Surrender Series is not available for new sales or new investments (deposits) in existing contracts. Existing pre-authorized deposits (PADs) remain in effect; however, their amount cannot be increased. 2 Classic Series 75/75 in the Ecoflextra product is not available for new sales, but is available for new investments (deposit) in existing contracts. CERTIFICATION Industrial Alliance Insurance and Financial Services Inc. certifies that the Booklet, as amended by this rider, briefly and simply discloses all material facts relating to the variable nature of the Funds offered under the Individual Variable Annuity Contract – Ecoflextra. Denis Ricard Jennifer Dibblee President and Chief Executive Officer Vice-President, Legal Services Corporate Secretary This rider, dated August 31, 2021, forms an integral part of the Fund Facts Booklet and the Ecoflextra Information Folder. iA Financial Group is a business name and trademark of Industrial Alliance Insurance and Financial Services Inc. ia.ca ACC F14-1A-6(21-09) INVESTMENT FUNDS / As 31, December at 2020 extra Ecofl Fund Facts TABLE OF CONTENTS FOCUS FUNDS CANADIAN EQUITY FUNDS Focus Prudent . 2 Canadian Disciplined Equity (iAIM) . 74 Focus Moderate . 4 Strategic Equity Income . 76 Focus Balanced . 6 Dividend Growth . 78 Focus Growth . 8 Canadian Equity Index . 80 Focus Aggressive . 10 Fidelity True North® . 82 Canadian Equity Growth . 84 SELECTION FUNDS Fidelity Canadian Opportunities . 86 Selection Prudent . 12 Canadian Equity Small Cap (QV) . 88 Selection Moderate . 14 North American Equity . 90 Selection Balanced . 16 Selection Growth . 18 U.S. & INTERNATIONAL EQUITY FUNDS Selection Aggressive . 20 Global Disciplined Equity (iAIM) . 92 Global Equity Index ACWI (BlackRock) . 94 DISCIPLINED FUNDS Global Dividend (Dynamic) . 96 Disciplined Prudent (iAIM) . 22 Global Equity . 98 Disciplined Moderate (iAIM) . 24 Global Opportunities (Loomis Sayles) . 100 Disciplined Balanced (iAIM) . 26 Fidelity Global Concentrated Equity . 102 Disciplined Growth (iAIM) . 28 Fidelity NorthStar® . .104 INCOME FUNDS International Disciplined Equity (iAIM) . 106 Money Market . 30 International Equity Index (BlackRock) . 108 Short Term Bond . 32 International Equity . 110 Bond . 34 Fidelity European Equity . 112 Disciplined Bond (iAIM) . 36 U .S . Disciplined Equity (iAIM) . 114 Canadian Corporate Bond . 38 U .S . Equity Index (BlackRock) . 116 Core Plus Bond (Wellington Square) . 40 Fidelity Insights . 118 Floating Rate Income (Wellington Square) . 42 Thematic Innovation . 120 Strategic Corporate Bond . 44 American (Dynamic) . 122 Fidelity American High Yield Currency Neutral . 46 U .S . Equity . 124 U .S . Dividend Growth . 126 DIVERSIFIED FUNDS SPECIALTY FUNDS Diversified Security . 48 Diversified . 50 Asian Pacific (Dynamic) . 128 Diversified Opportunity . 52 Emerging Markets (Jarislowsky Fraser) . 130 SRI Moderate (Inhance) . 54 Global Health Care (Renaissance) . 132 SRI Balanced (Inhance) . 56 Global Infrastructure (Dynamic) . 134 SRI Growth (Inhance) . 58 Real Estate Income . 136 Diversified Income . 60 U .S . DAQ Index . 138 Strategic Income . 62 INDEXIA FUNDS Global Diversified (Loomis Sayles) . 64 Indexia Prudent . 140 Fidelity Global Monthly Income . 66 Indexia Moderate . 142 Global Asset Allocation Security (iAIM) . 68 Indexia Balanced . 144 Global Asset Allocation (iAIM) . 70 Indexia Growth . 146 Global Asset Allocation Opportunity (iAIM) . 72 Indexia Aggressive . 148 1 FUND FACTS Industrial Alliance Insurance and Financial Services Inc. Ecoflextra FOCUS PRUDENT FUND Information as at December 31, 2020 QUICK FACTS Date of first offer under Ecoflextra: December 1, 2007 Guarantee Option MER1 Net Asset Value per Unit Portfolio Advisor: iA Investment Management Classic 75/75 Series 2.57% $19.10 Total Fund Value: $237.9 million Number of Units Outstanding: 10,873,360 Portfolio Turnover Rate: 40.89% Minimum Investment: $25 WHAT DOES THIS FUND INVEST IN? This fund invests in units of a number of underlying funds which mainly invest in Canadian fixed-income securities. The underlying funds may invest in Canadian equities and foreign equities. Top investments of the Fund Investment segmentation of the Fund Industrial Alliance Bond Fund2 54.98% Fixed Income Funds 69.93% PIMCO Monthly Income Fund (Canada) 6.98% Global Equity Funds 14.77% Industrial Alliance Canadian Equity Growth Fund 6.44% Canadian Equity Funds 10.39% Dynamic Global Dividend Fund, Series O 4.89% U.S. Equity Funds 5.07% Industrial Alliance International Equity Fund 4.59% Short Term and others -0.16% IA Clarington Strategic Corporate Bond Fund, Series I 3.99% Total 100.00% IA Clarington Floating Rate Income Fund, Series I 3.98% Industrial Alliance Dividend Fund 3.95% Fidelity Global Concentrated Equity Institutional Trust 3.76% Industrial Alliance Thematic Innovation Fund 2.80% JF Emerging Markets Equity Fund 1.53% Industrial Alliance U.S. Equity Multifactor (iAIM) 1.26% IA Clarington U.S. Dividend Growth Fund, Series I 1.01% Other Assets -0.16% Total 100.00% Total investments: 13 WHO IS THIS FUND FOR? HOW HAS THE FUND PERFORMED? The fund may be suitable for an investor who: This section tells you how the fund has performed over the past years for a • seeks a regular long-term return policyholder who chose the Classic 75/75 Series guarantee option. Returns • invests with below average risk tolerance shown are after the MER has been deducted. • is planning to invest for the long term Important: Past performance does not indicate how the fund will perform in the future. Also, your actual return will depend on the guarantee option you choose, HOW RISKY IS IT? any changes you made to your investment and your personal tax situation. The value of your investment can go down. Please refer to the Information AVERAGE RETURN Folder for further details. A person who invested $1,000 in the fund 10 years ago (or since the date RISK LEVEL it was first offered under Ecoflextra if less than 10 years) now has $1,363. Low to Moderate This works out to an average return of 3.14% a year. Low moderate Moderate to high High YEAR-BY-YEAR RETURNS This chart shows how the segregated fund has performed for the last 10 years. In ARE THERE ANY GUARANTEES? this period, the fund was up in value 9 years and down in value 1 year. This fund is offered under an insurance contract. It comes with guarantees % that may protect your investment if the markets go down. You pay fees for 10 the guarantees. 8.09 6.73 5.98 The fees are summarized in the “Ongoing Fund Expenses” section. 5 3.41 3.34 2.45 1.78 1.60 2.01 1 iA Financial Group is currently waiving a portion of the operating expenses for this fund 0 and can terminate the waiver at any time without notice. For the period ending December 31, 2020, the waiver was set at 0.05% for all guarantee options. 2 For details on the Industrial Alliance Bond Fund top investments refer to the corresponding -5 -3.48 Fund facts included in this document. 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2 FOCUS PRUDENT FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to buy, own and sell units of the fund. The ongoing fees and expenses are different for each guarantee option. One of the following sales charges will apply, see Information Folder or contract for full details or discuss with your life insurance agent. Sales Charge Option What You Pay How It Works Surrender Fees The deferred sales charge is a fixed rate and is deducted from the amount you surrender. If you surrender within: When you invest in the fund, iA Financial Group pays a commission of up to 5.6% to your life 1st and 2nd year 5% insurance agent and his/her agency. Any deferred sales charges paid go to iA Financial Group. Deferred Sales Charge 3rd year 4% You have the right to surrender up to 10% of the market value of your units each year, 4th year 3% without a surrender fee. 5th and 6th year 2% You may switch to units of another fund under the contract at any time without paying a deferred sales charge. After 6th year 0% Front End Sales Up to 5% of the amount to You and your life insurance agent decide on the rate. This sales charge is deducted from Charge be invested in the fund. the Front End Sales Charge amount invested and is paid as a commission to your life insurance agent and his/her agency.
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