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CI Guaranteed Investment Funds
ivari Canada ULC
Fund Facts – December 2016
CI Money Market Guaranteed Investment Fund
Table of Content
CI Growth Portfolio Guaranteed Investment Fund
CI Harbour Guaranteed Investment Fund
CI Harbour Growth & Income Guaranteed Investment Fund
CI Signature Global Income & Growth Guaranteed Investment Fund
CI International Guaranteed Investment Fund
CI Signature Canadian Balanced Guaranteed Investment Fund
CI Signature High Income Guaranteed Investment Fund
CI Signature Select Canadian Guaranteed Investment Fund
Cambridge American Equity Guaranteed Investment Fund ............................................1
........................................3
CI Conservative Portfolio Guaranteed Investment Fund .................................................5
CI Global Guaranteed Investment Fund ..........................................................................7
CI Global Value Guaranteed Investment Fund ................................................................9
.........................................................11
.........................................13
......................................................................15
...............................................................17
CI Moderate Portfolio Guaranteed Investment Fund .....................................................19
CI Signature Canadian Bond Guaranteed Investment Fund .........................................25
CI Signature Dividend Guaranteed Investment Fund ....................................................27
CI Signature Global Income & Growth Corporate Class Guaranteed Investment Fund .....29
...........................31
..............................................33
........................................35
CI Synergy American Guaranteed Investment Fund .....................................................37
...................................23
............................................................21
CI Aggressive Growth Portfolio Guaranteed Investment Fund
The fund invests in the Cambridge American Equity Fund. The underlying fund invests mostly in U.S. shares.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Cash and Equivalents 21.97Walgreens Boots Alliance Inc 5.73Extended Stay America Inc 4.87Cerner Corp 4.34Rite Aid Corp 3.41Franco-Nevada Corp 3.37Dollar Tree Inc 3.36Avis Budget Group Inc 3.03Autozone Inc 3.02Computer Sciences Corp 2.95
Total 56.05
Total number of investments: 33
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,260.24 in December 2016. This works out to an average of2.34% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
US Equity 63.06Cash and Equivalents 21.97International Equity 5.93Income Trust Units 5.67Canadian Equity 3.37
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.89% $12.69 14,987
Class A 5.04% $6.93 163,238
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
January 2000 $1,321,791
98.80%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want to invest in U.S. companies with growth potential• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCambridge American Equity Guaranteed Investment Fund
As of December 31, 2016
1
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.89% 1.20%
Class A 5.04% 2.20%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCambridge American Equity Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
2
The fund invests in multiple funds. The underlying funds invest mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
CI American Value Corporate Class 12.22CI Canadian Investment Fund 11.82CI International Value Fund 10.31Signature Select Canadian Fund 10.25CI American Small Companies Fund 9.91Cambridge American Equity Fund 8.45Synergy American Fund 7.66Harbour Fund 6.81CI Canadian Small/Mid Cap Fund 5.77Signature International Fund 4.99
Total 88.19
Total number of investments: 14
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,244.33 in December 2016. This works out to an average of2.21% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
US Equity 47.41International Equity 23.47Canadian Equity 20.57Cash and Equivalents 6.76Income Trust Units 1.48Other 0.24Domestic Bonds 0.07
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.92% $15.42 27,718
Class A 4.42% $14.75 60,197
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
September 2001 $1,315,312
83.04%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want above-average long-term capital growth• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI Aggressive Growth Portfolio Guaranteed Investment Fund
As of December 31, 2016
3
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.92% 1.20%
Class A 4.42% 1.65%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Aggressive Growth Portfolio Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
4
The fund invests in multiple funds. The underlying funds invest mostly in shares and bonds of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Signature High Income Fund 25.93Signature Canadian Bond Fund 21.80Signature Corporate Bond Fund 15.42Signature Select Canadian Fund 7.05CI Canadian Investment Fund 6.20Synergy Canadian Corporate Class 5.84CI American Value Corporate Class 4.68Cambridge American Equity Fund 3.74CI American Small Companies Fund 2.77Signature Global Bond Fund 2.01
Total 95.44
Total number of investments: 14
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,403.80 in December 2016. This works out to an average of3.45% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 24.89Foreign Bonds 24.86US Equity 20.76Canadian Equity 13.54International Equity 8.64Cash and Equivalents 4.46Other 2.85
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 2.76% $19.91 254,502
Class A 3.15% $19.00 406,762
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
September 2001 $12,794,137
93.43%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want income and growth with lower than average volatility• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI Conservative Portfolio Guaranteed Investment Fund
As of December 31, 2016
5
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 2.76% 0.55%
Class A 3.15% 0.90%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Conservative Portfolio Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
6
The fund invests in the CI Global Fund. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Synchrony Financial 4.64Citigroup Inc 4.49Cash and Equivalents 3.16Wells Fargo & Co 3.00UnitedHealth Group Inc 2.55JPMorgan Chase & Co 2.31Roche Holding AG 1.94Micron Technology Inc 1.88Sony Corp 1.73Apple Inc 1.69
Total 27.39
Total number of investments: 114
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,055.33 in December 2016. This works out to an average of0.54% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
US Equity 54.47International Equity 37.48Cash and Equivalents 3.16Other 3.00Canadian Equity 1.89
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.74% $13.42 28,987
Class A 4.93% $10.30 264,293
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
February 1999 $3,110,550
103.90%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want a core foreign equity fund for their portfolios• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI Global Guaranteed Investment Fund
As of December 31, 2016
7
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.74% 1.10%
Class A 4.93% 2.15%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Global Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
8
The fund invests in the CI Global Value Fund. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Intercontinental Exchange Inc 3.00Chubb Ltd 2.69Time Warner Inc 2.60Aon PLC 2.46Loews Corp 2.43Nestle SA 2.41PepsiCo Inc 2.39Sanofi SA 2.38Mitsubishi UFJ Financial Group Inc 2.36Comcast Corp 2.25
Total 24.97
Total number of investments: 75
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,172.03 in December 2016. This works out to an average of1.60% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
International Equity 53.90US Equity 43.49Cash and Equivalents 2.14Canadian Equity 0.47
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 4.24% $13.77 35,103
Class A 5.56% $13.25 23,068
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:Altrinsic Global Advisors, LLC
February 1999 $789,007
118.01%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want a core foreign equity fund for their portfolios• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI Global Value Guaranteed Investment Fund
As of December 31, 2016
9
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 4.24% 1.50%
Class A 5.56% 2.70%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Global Value Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
10
The fund invests in multiple funds. The underlying funds invest mostly in shares and bonds of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Signature High Income Fund 11.98CI Canadian Investment Fund 9.14Signature Canadian Bond Fund 8.53Signature Select Canadian Fund 7.64Synergy American Fund 7.58CI American Managers® Corporate Class 7.12CI American Small Companies Fund 6.82CI International Value Fund 6.53CI International Fund 6.05Signature Corporate Bond Fund 5.62
Total 77.01
Total number of investments: 17
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,372.90 in December 2016. This works out to an average of3.22% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
US Equity 37.64International Equity 18.01Canadian Equity 17.43Foreign Bonds 9.72Domestic Bonds 9.50Cash and Equivalents 5.48Income Trust Units 2.10Other 0.12
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.11% $17.99 145,457
Class A 3.68% $16.55 383,926
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
September 2001 $8,969,767
82.18%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want long-term capital growth• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI Growth Portfolio Guaranteed Investment Fund
As of December 31, 2016
11
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.11% 0.65%
Class A 3.68% 1.15%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Growth Portfolio Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
12
The fund invests in the Harbour Growth & Income Fund. The underlying fund invests mostly in Canadian shares and bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Cash and Equivalents 4.81Microsoft Corp 3.03United States Treasury 0.75 % 31-Oct-2018 3.01Royal Bank of Canada 3.00Bank of America Corp 2.92General Electric Co 2.84Alphabet Inc 2.82Canada Government 3.50 % 01-Dec-2045 2.67Northland Power Inc 2.67Citigroup Inc 2.56
Total 30.33
Total number of investments: 118
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,221.39 in December 2016. This works out to an average of2.02% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 38.95Domestic Bonds 21.36US Equity 20.08International Equity 8.46Cash and Equivalents 4.81Foreign Bonds 4.58Income Trust Units 1.76
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.35% $19.56 260,233
Class A 4.51% $20.64 482,827
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc. and Marret Asset Management Inc.
February 1999 $15,053,488
100.70%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want both equity and fixed income in a single fund and prefer to
have the portfolio advisor make the asset mix decisions• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI Harbour Growth & Income Guaranteed Investment Fund
As of December 31, 2016
13
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.35% 0.75%
Class A 4.51% 1.80%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Harbour Growth & Income Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
14
The fund invests in the Harbour Fund. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Cash and Equivalents 17.18Royal Bank of Canada 5.80Toronto-Dominion Bank 5.61TransCanada Corp 4.48Symantec Corp 4.02Oracle Corp 3.98Suncor Energy Inc 3.90Manulife Financial Corp 3.67Alphabet Inc 3.20Intact Financial Corp 2.77
Total 54.61
Total number of investments: 45
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,073.31 in December 2016. This works out to an average of0.71% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 6 years and down in value 4 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 48.70US Equity 28.52Cash and Equivalents 17.18International Equity 5.55Income Trust Units 0.05
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.88% $18.97 252,357
Class A 5.10% $22.05 504,995
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
February 1999 $15,922,148
91.64%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want a core Canadian equity fund growth for their portfolios• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI Harbour Guaranteed Investment Fund
As of December 31, 2016
15
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.88% 1.25%
Class A 5.10% 2.30%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Harbour Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
16
The fund invests in the Signature International Fund. The underlying fund invests mostly in shares of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Cash and Equivalents 7.32iShares MSCI Japan ETF (EWJ) 3.19Roche Holding AG 3.09KBC Ancora CVA 2.71Novartis AG 2.71Samsung Electronics Co Ltd 2.70Anheuser-Busch InBev SA 2.33Nestle SA 2.31Sony Corp 2.31Anima Holding SpA 2.17
Total 30.84
Total number of investments: 98
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $824.61 in December 2016. This works out to an average of-1.91% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 6 years and down in value 4 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
International Equity 86.53Cash and Equivalents 7.32US Equity 6.15
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.85% $9.30 11,163
Class A 5.04% $5.33 28,708
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
January 2000 $256,725
95.87%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want a core foreign equity fund for their portfolios• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI International Guaranteed Investment Fund
As of December 31, 2016
17
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.85% 1.20%
Class A 5.04% 2.20%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI International Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
18
The fund invests in multiple funds. The underlying funds invest mostly in shares and bonds of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Signature High Income Fund 15.70Signature Canadian Bond Fund 10.37Signature Select Canadian Fund 9.08CI Canadian Investment Fund 8.71Signature Corporate Bond Fund 8.01Synergy American Fund 7.17CI International Value Fund 6.26Synergy Canadian Corporate Class 6.13CI American Small Companies Fund 6.10CI American Value Corporate Class 4.90
Total 82.43
Total number of investments: 17
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,379.56 in December 2016. This works out to an average of3.27% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
US Equity 32.75International Equity 16.31Canadian Equity 16.10Foreign Bonds 14.75Domestic Bonds 12.67Cash and Equivalents 5.14Other 2.28
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.00% $19.52 362,275
Class A 3.51% $18.42 877,961
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
September 2001 $23,240,969
88.66%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want moderate long-term captial growth• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI Moderate Portfolio Guaranteed Investment Fund
As of December 31, 2016
19
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.00% 0.60%
Class A 3.51% 1.05%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Moderate Portfolio Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
20
The fund invests in the CI Money Market Fund. The underlying fund invests mostly in short-term debt that mature in less than 365 days.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Cash and Equivalents 88.96Manulife Bank of Canada FRN 01-Jun-2018 4.60HSBC Bank Canada 3.56 % 04-Oct-2017 1.85Toronto-Dominion Bank FRN 28-Mar-2018 1.85Canadian Imperial Bank of Commerce FRN 09-Feb-2018 1.83Toronto-Dominion Bank 0.00 % 29-Nov-2017 0.91
Total 100.00
Total number of investments: 6
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,053.23 in December 2016. This works out to an average of0.52% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%Cash and Equivalents 88.96Domestic Bonds 11.04
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 1.10% $11.37 71,837
Class A 0.99% $11.86 454,084
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
February 1999 $6,202,737
99.71%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want to receive income• are investing for the short term.
ivariCI Guaranteed Investment FundsCI Money Market Guaranteed Investment Fund
As of December 31, 2016
21
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 1.10% 0.22%
Class A 0.99% 0.38%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.00% ISC: 0.00%
ivariCI Guaranteed Investment FundsCI Money Market Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
22
The fund invests in the Signature Canadian Balanced Fund. The underlying fund invests mostly in Canadian shares and bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Cash and Equivalents 7.34Bank of Nova Scotia 3.24Royal Bank of Canada 2.57Toronto-Dominion Bank 2.56Manulife Financial Corp 2.48Synchrony Financial 1.55Canadian National Railway Co 1.33Quebec Province 4.25 % 01-Dec-2021 1.18Suncor Energy Inc 1.18Micron Technology Inc 1.17
Total 24.60
Total number of investments: 365
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,414.69 in December 2016. This works out to an average of3.53% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 28.80Domestic Bonds 23.70US Equity 20.83International Equity 14.28Cash and Equivalents 7.34Foreign Bonds 3.83Other 1.22
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.33% $22.18 80,564
Class A 4.44% $23.30 222,295
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
February 1999 $6,966,298
95.12%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want both equity and fixed income in a single fund and prefer to
have the portfolio advisor make the asset mix decisions• are investing for the medium term.
ivariCI Guaranteed Investment FundsCI Signature Canadian Balanced Guaranteed Investment Fund
As of December 31, 2016
23
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.33% 0.70%
Class A 4.44% 1.70%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Signature Canadian Balanced Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
24
The fund invests in the Signature Canadian Bond Fund. The underlying fund invests mostly in Canadian bonds.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Quebec Province 3.50 % 01-Dec-2022 4.38Canada Government 0.50 % 01-Nov-2018 4.10Quebec Province 3.75 % 01-Sep-2024 3.95United States Treasury 0.13 % 15-Jul-2026 3.54Quebec Province 4.25 % 01-Dec-2021 3.50Ontario Province 2.40 % 02-Jun-2026 2.90Ontario Province 2.85 % 02-Jun-2023 2.64Ontario Province 3.15 % 02-Jun-2022 2.57Ontario Province 3.50 % 02-Jun-2024 2.55Ontario Province 1.35 % 08-Mar-2022 2.52
Total 32.65
Total number of investments: 263
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,316.77 in December 2016. This works out to an average of2.79% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 9 years and down in value 1 year.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
Domestic Bonds 79.40Foreign Bonds 18.10Cash and Equivalents 2.03International Equity 0.32Other 0.15
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 2.38% $15.78 17,981
Class A 3.07% $16.21 117,405
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
February 1999 $2,186,434
125.69%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want to receive income• are investing for the short and/or medium term.
ivariCI Guaranteed Investment FundsCI Signature Canadian Bond Guaranteed Investment Fund
As of December 31, 2016
25
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 2.38% 0.55%
Class A 3.07% 1.15%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.25% ISC: 0.50%
ivariCI Guaranteed Investment FundsCI Signature Canadian Bond Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
26
The fund invests in the Signature Dividend Fund. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Cash and Equivalents 2.87Bank of Nova Scotia 2.55Citigroup Inc 1.78Synchrony Financial 1.70Enbridge Inc 1.64Pfizer Inc 1.60Roche Holding AG 1.39Manulife Financial Corp 1.35Rogers Communications Inc 1.24Nestle SA 1.19
Total 17.31
Total number of investments: 220
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,417.43 in December 2016. This works out to an average of3.55% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 6 years and down in value 4 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 54.53US Equity 26.15International Equity 15.12Cash and Equivalents 2.87Other 1.19Foreign Bonds 0.14
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.22% $20.24 164,574
Class A 4.39% $21.21 282,486
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
February 1999 $9,321,483
5.43%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want to receive dividend income• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI Signature Dividend Guaranteed Investment Fund
As of December 31, 2016
27
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.22% 1.15%
Class A 4.39% 2.20%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.25% ISC: 0.50%
ivariCI Guaranteed Investment FundsCI Signature Dividend Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
28
The fund invests in the Signature Global Income & Growth Corporate Class. The underlying fund invests mostly in shares and bonds of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Cash and Equivalents 9.51Synchrony Financial 2.79Citigroup Inc 2.70Wells Fargo & Co 1.80UnitedHealth Group Inc 1.51United States Treasury 0.88 % 15-Jun-2019 1.42JPMorgan Chase & Co 1.37Roche Holding AG 1.15Micron Technology Inc 1.12Alibaba Group Holding Ltd 1.06
Total 24.43
Total number of investments: 682
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,150.29 in December 2016. This works out to an average of1.41% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
US Equity 33.44Foreign Bonds 27.86International Equity 22.46Cash and Equivalents 9.51Domestic Bonds 3.75Other 1.80Canadian Equity 1.18
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.89% $12.43 43,026
Class A 5.08% $10.46 363,954
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
February 1999 $4,341,745
11.04%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want both foreign equity and fixed income in a single fund and
prefer to have the portfolio advisor make the asset mix decisions• are investing for the medium term.
ivariCI Guaranteed Investment FundsCI Signature Global Income & Growth Corporate Class Guaranteed Investment Fund
As of December 31, 2016
29
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.89% 1.20%
Class A 5.08% 2.30%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Signature Global Income & Growth Corporate Class Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
30
The fund invests in the Signature Global Income & Growth Fund. The underlying fund invests mostly in shares and bonds of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Cash and Equivalents 9.51Synchrony Financial 2.79Citigroup Inc 2.70Wells Fargo & Co 1.80UnitedHealth Group Inc 1.51United States Treasury 0.88 % 15-Jun-2019 1.42JPMorgan Chase & Co 1.37Roche Holding AG 1.15Micron Technology Inc 1.12Alibaba Group Holding Ltd 1.06
Total 24.43
Total number of investments: 682
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,287.60 in December 2016. This works out to an average of2.56% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
US Equity 33.44Foreign Bonds 27.86International Equity 22.46Cash and Equivalents 9.51Domestic Bonds 3.75Other 1.80Canadian Equity 1.18
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.22% $14.73 60,058
Class A 4.43% $11.88 240,412
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
February 1999 $3,740,322
7.80%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want both foreign equity and fixed income in a single fund and
prefer to have the portfolio advisor make the asset mix decisions• are investing for the medium term.
ivariCI Guaranteed Investment FundsCI Signature Global Income & Growth Guaranteed Investment Fund
As of December 31, 2016
31
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.22% 0.60%
Class A 4.43% 1.70%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Signature Global Income & Growth Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
32
The fund invests in the Signature High Income Fund. The underlying fund invests mostly in shares and bonds of firms from around the world.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Cash and Equivalents 4.90Citigroup Inc 2.68Singapore Telecommunications Ltd 2.34Vereit Inc 2.17Transurban Group 2.05Altagas Ltd 1.60Canadian REIT 1.60Colony Financial Inc 1.55Brookfield Office Properties Inc 1.47Wells Fargo & Co 1.22
Total 21.58
Total number of investments: 496
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,587.49 in December 2016. This works out to an average of4.73% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
Foreign Bonds 42.83US Equity 19.78Canadian Equity 12.09Income Trust Units 8.26International Equity 7.50Cash and Equivalents 4.90Domestic Bonds 4.64
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 2.44% $31.50 133,139
Class A 3.23% $37.29 267,865
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
January 2000 $14,182,522
6.82%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want to receive income• are investing for the medium term.
ivariCI Guaranteed Investment FundsCI Signature High Income Guaranteed Investment Fund
As of December 31, 2016
33
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 2.44% 0.70%
Class A 3.23% 1.40%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.25% ISC: 0.50%
ivariCI Guaranteed Investment FundsCI Signature High Income Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
34
The fund invests in the Signature Select Canadian Fund. The underlying fund invests mostly in Canadian shares.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Bank of Nova Scotia 4.98Toronto-Dominion Bank 3.94Royal Bank of Canada 3.87Manulife Financial Corp 3.82Cash and Equivalents 2.48Suncor Energy Inc 2.47Synchrony Financial 2.39Canadian National Railway Co 2.03Rogers Communications Inc 2.03Micron Technology Inc 1.76
Total 29.77
Total number of investments: 127
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,370.24 in December 2016. This works out to an average of3.20% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 7 years and down in value 3 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
Canadian Equity 49.71US Equity 28.30International Equity 17.49Cash and Equivalents 2.48Other 1.29Income Trust Units 0.73
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.82% $23.95 102,237
Class A 5.01% $25.16 192,353
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:CI Investments Inc.
February 1999 $7,288,172
105.33%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want a Canadian equity fund for their portfolios• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI Signature Select Canadian Guaranteed Investment Fund
As of December 31, 2016
35
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.82% 1.15%
Class A 5.01% 2.25%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Signature Select Canadian Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
36
The fund invests in the Synergy American Fund. The underlying fund invests mostly in U.S. shares.
Top holdings and allocations of the underlyingfund as of December 31, 2016 % Assets
Cash and Equivalents 4.65Apple Inc 3.08Synchrony Financial 3.00Alphabet Inc 2.62Microsoft Corp 2.52UnitedHealth Group Inc 2.51JPMorgan Chase & Co 2.45Continental Resources Inc 2.43Arch Capital Group Ltd 2.26Edwards Lifesciences Corp 2.08
Total 27.60
Total number of investments: 91
Average return
Year-by-year returns (%)
This section tells you how the fund did in the past. A person who invested $1,000 in the Class B fund in December 2006 would have $1,435.32 in December 2016. This works out to an average of3.68% each year. The returns are after the MER has been deducted. The MER of the segregated fund includes the insurance fees. Past returns do not tell you how the fund will do in the future. Your return will vary based on your guarantee option and personal tax situation.
This chart shows how the fund has performed in each of the past 10 years. In the past 10 years the fund was up in value 6 years and down in value 4 years.
How has the fund performed?
How risky is it?
The value of your investment can go down. For details, please refer to the Information Folder and Contract.
Very low LowLow to
moderate ModerateModerateto high High
%
US Equity 86.36International Equity 7.29Cash and Equivalents 4.65Income Trust Units 0.93Canadian Equity 0.77
% Assets
ClassManagement expense ratio
(MER) (Includes taxes)
Net asset value per unit Units outstanding
Class B 3.82% $14.01 13,966
Class A 4.90% $10.78 106,496
Minimum investment per contract: No new contracts
Minimum for additional purchases: $100
Minimum investment per fund: $500
Monthly minimum of pre-authorized chequing: $50
What does the fund invest in?
Are there any guarantees?
Who is this fund for?
Date fund created:
Managed by:
Total value on December 31, 2016:
Portfolio turnover rate:Picton Mahoney Asset Management
February 1999 $1,343,840
103.44%
Quick facts:
This segregated fund is being offered under an insurance contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the ongoing fund expenses section. For details, please refer to the Information Folder and Contract.
This fund may be suitable for contractholders if they:• want to invest in North American equity with high growth
potential• are investing for the medium and/or long term.
ivariCI Guaranteed Investment FundsCI Synergy American Guaranteed Investment Fund
As of December 31, 2016
37
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell the fund. For details, please refer to the Information Folder and Contract.
Sales Charges
Ongoing Fund expenses
The MER includes the management fee and operating expenses of the fund. The MER includes the insurance fees. You do not pay the MER directly. It affects you because it reduces the return you get. For details, please refer to the Information Folder and Contract.
Guarantee optionMER
(Annual rate as a % of the fund's value)(Includes taxes)
Annual fee rate for death and maturityinsurance included in MER
(Excludes taxes)
Class B 3.82% 1.15%
Class A 4.90% 2.15%
Servicing commissionWe pay your advisor an annual servicing commission for the service and advice they provide to you. It is paid as long as you own the fund. It is paid out of the management fee. The rate depends on the sales charge option you chose. For details, please refer to the Information Folder and Contract.
Fee What you pay
Frequent trading fee 2% of the value of units you sell or transfer within 30 business days of buying the units. Money from the fee goes to the fund.
Switch fee commission Your advisor may charge you up to 2% of the value of units you switch to another fund or class.
Other Fees
Sales charge option What you pay How it works
Initial Sales Charge (ISC) Up to 5% of the amount you invest. •
You and your advisor agree on the rate charged.•
The initial sales charge is deducted from the amount you buy. It goes to your insurance advisor as a commission.
Deferred Sales Charge (DSC) If you sell within: Rate %1 year of buying 5.52 years of buying 5.03 years of buying 4.54 years of buying 4.05 years of buying 3.06 years of buying 2.07 years of buying 1.0After 7 years 0.0
•
The deferred sales charge is a set rate. It is deducted from the amount you withdraw.
•
When you invest in the fund, we pay your advisor a commission of up to 5%. Any deferred sales charge you pay goes to us.
•
You can redeem up to 10% of your units of a fund each year without a deferred sales charge.
•
You can switch to units of other DSC funds under the insurance contract without paying a deferred sales charge.
•
For details, please refer to the Information Folder and Contract.
What if I change my mind?
For more information
You may cancel any transfer between funds of the same guarantee class. You have to tell us in writing, by fax or letter, that you wish to cancel. You can change your mind within two business days of the earlier of:• The date you received the confirmation and• five business days after the confirmation is mailed.The amount returned to the original fund will be the lesser of the value transferred and the value of the transferred units on the day the request is received. The amount returned to the original fund only applies to the specific transfer and will include any fees or charges.
This is a summary and may not contain all the information you need. There are details in the Contract that may lead to changes in this summary. Please make sure you read the Information Folder and Contract. For more information, please contact:CI Investments Inc. on behalf of ivari15 York Street, 2nd FloorToronto, Ontario, M5J 0A3Phone: 1-800-792-9355Email: [email protected]
For details, please refer to the Information Folder and Contract.
Annual servicing commission rate DSC: 0.50% ISC: 1.00%
ivariCI Guaranteed Investment FundsCI Synergy American Guaranteed Investment Fund As of December 31, 2016
™ ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.
38
ivari is the sole issuer of the individual variable annuity contract providing for investment in CI Guaranteed Investment Funds. A description of the key features of the applicable individual variable annuity contract is contained in the CI Guaranteed Investment Funds Information Folder. Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value.
®CI Investments, the CI Investments
design, Harbour Advisor, Harbour Funds, Synergy Mutual Funds, CI Guaranteed Investment Funds and the lock design are registered trademarks of CI Investments Inc. Signature Global Asset Management and Cambridge Global Asset Management are trademarks of CI Investments Inc.
©CI Investments Inc., 2017
