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OPTIONAL FEATURES OF
SEGREGATED FUND CONTRACTS
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Some contracts may also offer the following:
• Resets. This permits you to reset the guarantee periodically in order to lock in in-
creases in the market value of the segregated funds the contract has invested in.
Typically, exercising this privilege extends the maturity date of the contributions
involved.
• A Guaranteed Minimum Withdrawal Benefit (GMWB), which guarantees you
will get back at least the amount of your contributions (less previous withdraw-
als) in the form of income payments over a specified period of time or for the rest
of your life, depending on the contract. Features of a GMWB can vary, and may
include differences in: (i) the duration of guaranteed income payment periods; (ii)
the ability to increase the amount of those payments due to growth in the mar-
ket value of the segregated funds; and (iii) the ability to increase the amount of
payments by waiting until specified ages before taking income payments.
YOUR INVESTMENT
OPTIONS
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Segregated fund contracts offer a broad selection of investment options, including
growth, income and balanced funds with well-diversified portfolios. In addition, some
contracts also offer fixed income options, which earn interest at pre-determined rates.
