EMPIRE LIFE (ECF) FUNDSERV CODES

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1 Elite and Elite XL Investment Program Closed to new policies as of October 3, 204 No Load (NL) Class A Elite Elite XL Maturity/Death Benefit 75%/00% 00%00% 75%/00% 00%00% Savings Plan $500 $,000 Retirement Fund $0,000 $0,000 Investment Options DSC NL Empire Life Money Market Fund Empire Life Bond Fund Empire Life Fund Empire Life Fund Empire Life Asset Allocation Fund Empire Life Global Fund Canadian Equity Empire Life Dividend Growth Fund Empire Life Canadian Equity Fund Empire Life Elite Equity Fund Empire Life Small Cap Equity Fund U.S. and International Equity Empire Life American Value Fund Empire Life U.S. Equity Index Fund Empire Life International Equity Fund Global Equity Empire Life Global Dividend Growth Fund Empire Life Global Equity Fund Empire Life Global Smaller Companies Fund Empire Life Conservative Portfolio Fund Empire Life Portfolio Fund Empire Life Moderate Growth Portfolio Fund Empire Life Growth Portfolio Fund Empire Life Aggressive Growth Portfolio Fund

2 Empire Class Segregated Funds Closed to new policies as of October 3, 204 Class B Class C Class D Class E Maturity/Death Benefit 75%/00% 00%/00% 75% /00% Savings Plan $,000 $250,000 Retirement Fund $0,000 $250,000 Investment Options FE LL DSC FE LL DSC FE Empire Life Money Market Fund Empire Life Bond Fund Empire Life Fund Empire Life Fund Empire Life Asset Allocation Fund Empire Life Global Fund Canadian Equity Empire Life Dividend Growth Fund Empire Life Canadian Equity Fund Empire Life Elite Equity Fund Empire Life Small Cap Equity Fund U.S. and International Equity Empire Life American Value Fund Empire Life U.S. Equity Index Fund Empire Life International Equity Fund Global Equity Empire Life Global Dividend Growth Fund Empire Life Global Equity Fund Empire Life Global Smaller Companies Fund Empire Life Conservative Portfolio Fund Empire Life Portfolio Fund Empire Life Moderate Growth Portfolio Fund Empire Life Growth Portfolio Fund Empire Life Aggressive Growth Portfolio Fund % /00%

3 Empire Life Class Plus Closed to new policies as of December 3, 202 Class G Class H Maturity/Death Benefit 75%/00% 75% /00% Savings Plan $0,000 $250,000 Retirement Fund $0,000 $250,000 Investment Options FE LL DSC FE Empire Life Money Market Fund Empire Life Bond Fund Empire Life Fund Empire Life Fund Empire Life Asset Allocation Fund Empire Life Dividend Fund Empire Life Elite Fund Empire Life Global Fund Empire Life Conservative Portfolio Fund Empire Life Portfolio Fund Empire Life Moderate Growth Portfolio Fund Empire Life Growth Portfolio Fund Empire Life Aggressive Growth Portfolio Fund

4 Empire Life Class Plus 2 Closed to new policies as of October 3, 204 Maturity/Death Benefit 75% /00% Series Class J Savings Plan $0,000 Retirement Fund $0,000 Funds FE LL DSC Money Market Fund Bond Fund Fund Fund Asset Allocation Global Dividend Elite Fund Conservative Portfolio Fund Portfolio Fund Moderate Growth Portfolio Fund Growth Portfolio Fund Reduced proportionately for withdrawals. Empire Life Portfolio Funds currently invest primarily in Class A units of the underlying Empire Life Segregated Funds.

5 Empire Life Class Plus 2. Closed to new policies as of October 3, 207 Maturity/Death Benefit 75%/75% Series Class Q Savings Plan $0,000 Retirement Fund $0,000 FE LL DSC EMPIRE LIFE INVESTMENT OPTIONS Single Joint Single Joint Single Joint Bond GIF Money Market GIF Asset Allocation GIF GIF Dividend GIF Elite GIF Global GIF GIF Monthly GIF Emblem GIF Portfolios 2 Diversified Portfolio GIF Conservative Portfolio GIF Portfolio GIF Moderate Growth Portfolio GIF Growth Portfolio GIF Reduced proportionately for withdrawals. 2 Empire Life Emblem GIF Portfolios each currently invest primarily in units of a secondary fund that is an Empire Life Emblem Portfolio mutual fund. The simplified prospectus and other information about each of the underlying mutual funds are available on the SEDAR website at or at

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