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Get the Great-West advantage

What matters to us is the success of your group retirement and savings plans.

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Your organization is unique. You have your own set of standards, goals and perspectives. That’s why we take an individual approach to your group retirement and savings plans needs.

Your needs and the needs of your members are what push us to be innovative and to provide superior products and services.

That’s why we measure customer satisfaction which dictates itself to continual improvement of our products and services. The high levels of satisfaction reported on our surveys prove we have the expertise and dedication you are looking for.

We take that feedback and improve on our innovation, supporting you with the right people, in the right places at the right time.

www.brainshark.com/grs/psintro

This brochure features QR codes. Scanning one of these codes

with a QR-code reader on your mobile device will give you a

direct link to more information on that product or service.

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InnovationTo provide you and your members with the best support and service, we need to be innovators. So we’re constantly using new technologies and platforms to connect with you and your members.

GRS Access – Member home pageMembers customize their home page to show the information that’s most important to them. We can also customize it with custom content widgets and your logo.

www.grsaccess.com

Take a tour using this guest access ID:

Access ID: DEMO Password: ONLINE4U

Personal rate of return widgetPlan members visiting GRS Access can see a dynamic personal rate of return widget on their home page. It’s fun and easy for members to use and shows them what their investments actually earned within various time periods. By using an Internal rate of return (IRR) calculation, also known as dollar-weighted return, Great-West helps them see how their personal activities affect their investment returns, which we feel is a much more realistic picture than the time-weighted calculation many other financial firms offer.

www.brainshark.com/grs/PSPROR

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www.brainshark.com/grs/PSTFSA

Dynamic, online member presentationsThis engaging format can include animations, quizzes, surveys and videos to keep members interested.

eMagazines – Smart retirement and Smart investingMembers can flip through the Smart investing magazine and the Smart retirement guide on their home computer or certain tablets.

www.brainshark.com/grs/PSsmart_inv

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Mobile My 1 per cent advantageThis award-winning calculator helps members who prefer to get information to go. It’s compatible with iPhones, iPads, and most BlackBerry devices.

www.my1percentadvantage.ca

BlackBerry®, RIM®, Research In Motion®, SureType®, SurePress™ and related trademarks, names and logos are the property of Research In Motion Limited and are registered and/or used in the U.S. and countries around the world.

iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and other countries.

Member education when and how

members want it.

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The Great-West Life Assurance Company and key design are trademarks of The Great-West Life Assurance Company (Great-West),

used under licence by London Life Insurance Company (London Life) and The Canada Life Assurance Company (Canada Life) for the

promotion and marketing of insurance products. London Life and Canada Life are subsidiaries of Great-West. This group retirement,

savings and payout annuity products and services described in this document are issued by London Life and Canada Life, respectively.

Follow the smartPATH retirement education program to make

your retirement dream a reality.This booklet has been prepared for general information purposes only to assist you in thinking about your financial future.

It is not construed as providing you with legal, tax, financial or other professional advice and independent advice should be sought.

You are solely responsible for the investment allocation decisions you make. Individual circumstances vary and, while we have tried

to ensure that all of the information is accurate at the time of publication, changes to legislation or the marketplace may render

parts of this booklet misleading or invalid. Great-West, London Life and Canada Life will not be liable for any loss, or damages

whatsoever, whether directly or indirectly incurred, arising out of the use or misuse of or errors or omissions in the information

contained in this booklet.

Your logo goes

here

Member experienceExceptional member experience is a key to a successful group retirement plan. For that reason we provide members with plain speaking, engaging resources that are meaningful to members.

Your retirement guideYour retirement guide is an all-in-one solution for members, containing everything they need to enrol in a convenient magazine-style format.

www.brainshark.com/grs/PSYRG

Member enrolment presentationLed by our knowledgeable and approachable education and communication managers, these presentations help your members start on the right foot when it comes to your retirement plan.

Online enrolmentAn easier way for members to enrol in your group retirement plan.

Makingretirement planning easy for members

Client name goes here

Your retirementguide

Client logo goes

here

Your logo goes

here

Your company name

Your company name

Client name goes here

Your retirement

guide

Client

logo goes

here

Your

logo goes

here

Your company name

Your retirement guide

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Retirement planning toolHelps members envision their retirement and what they need to save to get there. The information members fill in here powers their retirement income illustration on their statement.

www.brainshark.com/grs/PSRPT_video

Access Line When your members call Monday to Friday, 8 a.m. to 8 p.m. ET, they’re greeted by a friendly client service representative, who can help them understand their investment options or answer their questions. They can use the automated service 24 hours a day, seven days a week, anywhere in North America.

To prevent confusion for members whose first language isn’t English or French, you can choose to include a service that offers interpretation in more than 150 languages.

Retirement planning at your serviceMake the most of the many services available to youVisit www.grsaccess.comOnce registered on our interactive website, you can view or print your plan statement,

complete transactions, view information about your current investment choices and plan online.Call Access Line at 1-800-724-3402

Take advantage of our automated phone service, available 24 hours a day, or speak directly with a

client service representative Monday to Friday, between 8 a.m. and 8 p.m., ET.

You can transfer retirement assets between funds, change future investment instructions,check plan balances, and much more.Service at your fingertips

Investment and retirement specialistsNon-commissioned Certified Financial Planners are available through Access Line to tailor an investment strategy that’s in line with a member’s retirement goal, investment personality and unique circumstances – even to help members choose the retirement income product(s) that can work best.

Customized postersRemind members of your plan services, benefits, education sessions or recent changes to your plan.

1-800-724-3402

Great-West Life and key design are trademarks of The Great-West Life Assurance Company (Great-West), used under licence by its subsidiary, London Life Insurance Company (London Life).

As described in this poster, the group retirement and savings products are issued by London Life.

Make yourself at home

Watch a short video to learn how to personalize your group

retirement savings plan home page.

With just a few clicks, you’ll be able to display the information

most valuable to you like your portfolio balance, fund performance

and get quick access to educational tools.

Scan this code with your smartphone or visit

http://www.brainshark.com/grs/MHPP-E

to see the video.

00-0000-0/00

Client logo goes

here

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Member meetingsGives members the opportunity to receive in-depth education on a variety of investment and retirement related topics.

Simply speaking newsThis semi-annual newsletter tells your members about new tools, updates and reminds them to regularly increase their contributions.

StatementsWith our statements, members get a clear idea of where they are and what they need to do to reach their goals. They don’t need to work to get this information – statements clearly show action items in smart messages and the smart retirement income illustrations show if they’re on track to reaching their savings goals.

Gen Y – slow getting started

As a plan member, you’ve already taken a big step

towards reaching your savings goals, whether they are

retirement, education or buying a home. The earlier you

start saving, the more money you’ll have for making

future choices. You’ve got a jump on many of your peers

when it comes to having choices later in life.

Less than 50 per cent of those born between 1983

and 1991, called Generation Y, have started to save

for retirement and fewer than a quarter (21 per cent)

are actively participating in planning for retirement,

according to a survey by Scottrade*.

If you’re a Gen Y plan member, contributing to your

future, you’re ahead of a lot of your peers:

• 60 per cent of Gen Y saved nothing toward

retirement last year

• 40 per cent plan to save nothing this year

By participating in your group plan, you’re giving

yourself choices many of your peers won’t have for the

future. Plus, as a member of a group plan, you get the

advantage of lower fees than those traditionally available

with individual savings plans. See how much more

you can save by simply consolidating all your savings

into your group plan at GRS Access > Smart tools >

Calculators > my group advantage.

The sandwich generation

You might think your group retirement and savings plan

is focused on having choices during your retirement. You

may however find there are additional expenses you hadn’t

considered; your parents may depend on you for financial

help and care giving and your children may look to you

for education and other support.

Being sandwiched between different generations of your

family can be challenging at the best of times. Have you

considered this as one of your potential future financial

obligations?

Your parents probably wouldn’t put you in this sandwich

intentionally. They may have:

• been overly optimistic about what the government

and their investments could deliver

•under-planned for things like medical issues

• Put off saving

If you are in the serious stage of investing, you understand

the importance of considering all potential financial

obligations, revisiting your choices and growing your

contributions.

Active aging: Redefining retirement

The first of the baby boomers hit the magic age of 65 this

year. Baby boomers, now more commonly called zoomers,

are the generation that lobbied, protested and engaged the

world in important issues like human rights and healthy

environments. They redefined life in the second half of the

20th century and now they’re redefining retirement.

One thing has become very clear – retirement no longer

means you’re old. The retirement stereotype doesn’t define

how the retired population is spending their time; the

individuality that defined the 1960s and 1970s is now

being reflected in the active lifestyles of those over 65.

no matter what age, zoomers don’t feel old. When

asked what age old actually is, they consistently reply

with a number that is 10 years older than they are.

Old is a moving target. As the zoomers age, the

number that represents old gets higher.

This active attitude of zoomers is a benefit to every

community. A survey on retirement found those

polled, all retired people, were concerned for the

well-being of their children, their parents and their

communities. Zoomers are 10 times more likely,

according to the poll, to put others first (43 per

cent). They’re staying actively involved in their

communities and their families; they’re actively

involved in their health and wellness.

Retirement has taken on a new look. It’s one that

benefits from good planning. Make the most of your

group retirement plan by comparing how much

you could save by bringing all your savings to your

group plan. Visit the My group advantage calculator on

GRS Access to see what a difference the fee structure

on a group plan can make to your bottom line

compared to individual savings.

*Source: Plansponsor.com

$500,000

$400,000

$300,000

$200,000

$179,779$100,000

20 25 30 35 40 5045 55 60 65$0

$480,197

Age

this chart demonstrates how saving $2,000

at the beginning of each year from age 20

versus age 35 can make a significant

difference in retirement savings.

GRS Access home page

gets even more personal

now you can get a quick picture of your personal

rates of return, from your first contribution to your

Great-West Life group retirement and savings plan(s).

It’s easy with the new GRS Access home page widget

to look at your one-, three-, five- and 10-year personal

rates of return.

This new section of your home page has additional

information about your personal rate of return and

what it means to your overall retirement and savings

goal just by clicking Learn more.

Like the other widgets on your GRS Access home page,

you can move, delete or collapse the new widget to

suit your preference. Try out the new widget today

on GRS Access and view a quick demonstration at

www.brainshark.com/grs/NewpersonalRORwidget.

46-3717 SS News-Winter 2012.indd 3-4

12/9/2011 11:34:35 AM

Winter 2012

The views expressed in this commentary are those of Great-West Life at the date of publication and are subject to change without notice. This commentary is presented only as a general source of information and is not intended as a solicitation to buy or sell specific investments, nor is it intended to provide tax or legal advice. Prospective investors should review all documents relating to any investment carefully before making an investment decision and seek guidance based on their specific circumstances.

The Great-West Life Assurance Company and key design are trademarks of The Great-West Life

Assurance Company (Great-West), used under licence by London Life Insurance Company (London

Life) and The Canada Life Assurance Company (Canada Life) for the promotion and marketing of

insurance products. London Life and Canada Life are subsidiaries of Great-West. As described in

this newsletter, the group retirement and savings products are issued by London Life and the payout

annuity products are issued by Canada Life.

{ }GRS Access www.grsaccess.com

Great-West Life Group Retirement Services, T-540 255 Dufferin Avenue London, ON N6A 4K1

Access Line 1-800-724-3402

CONTACT uS

investing in our turbulent timesThe media loves a good story. They focused on negative attention-grabbing headlines for the last half

of 2011. With these kinds of headlines and the media’s power to affect behaviour, we’ve seen the markets

drop 600 points one day and recover much of their value the next. Some time-tested strategies that may help:> Diversification is key. Your investment choices should be based on your tolerance to risk and diversified across

different investment styles (e.g., growth and value), asset classes and regions. Gains in one sector or region help

offset losses in others. Although a diversified investment portfolio still fluctuates in value, diversification helps

to ease the impact of short-term events and enhances returns in the long run. > Stay invested. While it’s tough to stay put when the media coverage is dominated by negative news, the truth is that

fear and anxiety are the worst emotions for a long-term investor. An emotion-based decision, whether it’s panic-selling

or market-timing, can lead to a significant loss. Staying invested and buying more units when prices are low can help

you achieve your goals. > Revisit your portfolio. Just like a regularly scheduled health checkup, your investment portfolio needs to be revisited

to ensure it’s aligned with your tolerance to risk. Check out GRS Access > Planning & learning > Plan your retirement.

Launch the Plan your retirement tool and select Questionnaire to redo your investment personality questionnaire (iPQ). While there’s no magic bullet to help you achieve financial success, it’s important to practice these strategies and maintain focus on your goals.

Make sure we have your correct contact information. Call us or visit GRS Access to change your profile information.

toP uP Your rrSP before the deAdLine

46-3717-12/11

GRS Access member home page wins 2011 ifCA awardThe GRS Access member home page is easy to use and innovative. You can personalize the information you see when you sign in to this secure website. The latest enhancements to the member home page have been recognized by the Insurance and Financial Communicators Association (IFCA) in their 2011 awards competition. Members have shown they’re most interested in account balances and the performance of their funds. We designed the dynamic member home page to include these personalized items, giving you easier access to what you consider most important. You can choose what to display by moving, deleting or closing containers of information called widgets. You can:•Get a quick picture of your investment portfolio balance by plan

and asset class• review the types of investment options you’ve chosen• Compare your investment performance over time using charts and graphs• review your

investments•Get fund reports• find useful educational tools like videos,

calculators and articlesFeedback indicates we’ve hit the mark and we’ll continue to introduce useful new widgets, such as the new personalized rate of return widget.

Get a quick picture of your personal rates of return. See inSide to learn how >MCC# 89160

SimplySpeakingneWS

if your plan has an rrSP, save on the 2011 income tax you pay by making an additional contribution to your rrSP before the february 29, 2012 deadline.

Check the notice of Assessment you received after filing your 2010 income tax return for your available contribution limit. Contribute as much as suits you within

that limit. You can also top up your regular savings if you still have room so your retirement savings grow even faster.

Make sure to leave time to mail in your cheques; contributions must be postmarked by Feb. 29, 2012. Complete a lump-sum contribution form and mail it to Great-West Life. Call Access Line if you need assistance.

46-3717 SS News-Winter 2012.indd 1-2

12/9/2011 11:34:30 AM

Your logo goes

hereYour

logo goes here

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Pay insertsA convenient way to communicate to your members. Give members a quick reminder to keep an eye on their retirement savings, or let them know about new services and products.

Education and enrolment videos Even when one-on-one education isn’t possible for members, we can provide award-winning education videos on Smart tools or through dynamic online presentations.

Smart toolsCentralizes online education resources and tools into one convenient online portal. It’s updated regularly with articles, tools and resources – such as our award-winning education videos.

www.brainshark.com/grs/PSed_videos

At your service… at your convenienceAre you making the most of the many member services available to you?

Visit our web site at www.grsaccess.com. Once registered, you can: view or print your plan statement at any time; change the direction of your future deposits and maturing investments; complete transactions; and view information about your current investment choices.

Call Access Line at 1-800-724-3402 and speak directly with a client service specialist, between 8:00 a.m. and 8:00 p.m., eastern time. With Access Line you can: transfer retirement assets between funds; change future investment instructions; check plan balances; and much more. Call today!

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Simply speaking articlesOne page articles that give members quick and valuable information on investing for retirement.

My group advantage calculatorMembers get a clear idea of the advantage their group plan offers with My group advantage calculator. It demonstrates the difference lower investment management fees can have on their retirement savings and income.

www.brainshark.com/grs/PSGroup_calc

Smart

investing

Take conTrol

of your fuTure

Where Will your reTiremenT

income come from?

Planning and seTTing goals

diving inTo The invesTmenT Pool

sTraTegies for success

Smart investing

Smart investingProvides insights into investing for retirement and practical advice on how members can get the most out of their savings.

Hold on duringvolatile timesSince no one can accurately predict when themarket will decline or recover, it's wise to simply

stay invested in the market to ensure that youcapture the days when the market performs at its

best.

The market often rewards those who stay invested

through market fluctuations. The chart belowshows that holding on to your investments can pay

off over time.As you can see:• missing the best 10 days over the past five years

results in a 11.75 per cent decrease (rate of return

decreases from 2.75 per cent to -9.00 per cent)• missing the best 20 days over the past five years

results in a 18.44 per cent decrease (rate of return

decreases from 2.75 per cent to -15.69 per cent)By thinking long-term, you avoid the headaches of

moving in and out of the market and missing some

of the biggest daily gains.

Staying the Course: S&P/TSX CompositeAnnualized Performance from June 30, 2006 toJune 30, 2011

Source: Yahoo Finance.

It's time in the market and not timingthe market that counts.

The information provided is accurate to the best of our knowledge as of the date of publication. This information is general in nature, and is intended for educational purposes only. Oct. 6, 2011

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Acquaint FinancialHaving a healthy financial plan isn’t limited to retirement. Our exclusive agreement with Acquaint Financial allows you to help members develop their overall financial plan through interactive seminars and the iAcquaint website.

www.brainshark.com/grs/PSAcquaint

Smart retirementGuides members in turning their retirement savings into retirement income.

Smart retirementSmart

retirement

> Countdown to retirement> Sources of retirement income> Investing to minimize tax> Quick tips

Retirement income solutionssponsored by<YourCompany logo>

We know your standards extend well beyond your career. When you retire, you might relax but your standards won’t. That’s why we’ve established a group registered retirement income fund (RRIF) and life income fund (LIF) to meet the needs of retiring members and their families.

Through the YourCompany group retirement income plan you have access to retirement income products such as non-registered savings plan, the registered retirement savings plan (RRSP) and a tax-free savings account.

The group advantage? Lower-than-typical retail management fees

(see Think of the savings for an example)

An impressive array of investment options from professional investment managers

Access to free, personalized assistance from an investment and retirement specialist

Better interest rates on guaranteed investment accounts

Online access to your account and important information

No administration or transfer fees

46-7904-GRS-Generic RIFF Brochure.indd 1 2/11/2011 8:59:55 AM

Retirement income solutionsMembers can count on Great-West support even after they retire with our dependable retirement income solutions.

Online cash withdrawalThis optional service makes withdrawing funds convenient – allowing members to make secure online withdrawals with direct deposits to their personal bank account.

How much can I expect to rece

ive in retire

ment income from my pers

onal savings?

Check out the retirement income examples on the back of this page.

Three to five years before retirement

Review investment portfolio – Revisit your

investment strategy and consider sh

ifting to more

conservative or lower-risk investments.

Understand your plan – Learn how plan rules and

government legislation affec

t withdrawals of your

retirement savings.

Re-evaluate lifestyle needs – List possible lifestyle

changes that will occur upon retir

ement. Consider

things such as travel, part-ti

me work or downsizing

to a new home.

Estimate living expenses – Track current spending

and use this information to estim

ate retirem

ent

income needs and develop a realistic

budget – don’t

forget about inflation.

Estimate retirement income – Take inventory of all

potential income sources.

Remember that personal

savings, company retirement plans and government

benefits will determine reti

rement income.

One year to go

Verify pension eligibility – Contact Great-

West

to ensure you meet a

ge requirements for rece

iving

company or government pensions.

Think about estate planning – Review your will,

powers of atto

rney and investment plans.

Retirement road map

Six months to go

Ease into retirement – Review your retirement

options and obtain a personalized retir

ement

illustration that details

the income you can expect

from your personal savings.

Update beneficiary information – Contact the

benefits administrator at y

our workplace and at

Great-West to

ensure your company pension

plan and personal savings plans have updated

beneficiaries.

Apply for government benefits – Verify your

eligibility for Canada Pension Plan (CPP) and old

age security (OAS) benefits. Call Service C

anada at

1-800-27

7-9914 or visit w

ww.serviceca

nada.gc.ca.

For the Quebec Pension Plan (QPP), call

1-800-46

3-5185 or visit w

ww.rrq.gouv.qc.ca.

Apply for company pensions – Contact the benefits

administrator at y

our workplace to let h

im/her

know when you’d like to start rece

iving pension

payments.

Use this checklist to prepare for your retirement

Sources of income for Canadians age 65 +

CPP/QPP and OAS

42%

Pensions and RRSPs

34%

Personal investments

11%

Other sources

13%

Source: 2007, HRSDC calcu

lations based on Statistics C

anada

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InvestmentsOne of the benefits of partnering with Great-West is your access to the most extensive investment line-up in the group retirement industry in Canada. It gives you choices and greater flexibility to create an investment menu to meet the needs of plan members at every stage of their lives.

Asset allocation funds – a single fund solution

Through Great-West Life you have access to two types of asset allocation fund solutions: target risk and target date asset allocation funds. Both offer plan members simple investment solutions built on sophisticated and proven investment management principles.

Simple yet sophisticatedAsset allocation funds

Cadence Series Funds Continuum Target Date Funds BlackRock Canadian LifePath® Index Funds

Fidelity ClearPath™ Retirement Portfolios

Launched 2006 2008 2007 2004

Number of funds Nine funds, ranging from 2010 to 2050 Nine funds, ranging from 2010 to 2050 Eight funds, ranging from 2010 to 2045 Eight funds, ranging from 2010 to 2045

Key characteristic Option to tailor the funds to members’ risk tolerance

Use mostly institutional investment managers

Index-based First institutional target date fund in Canada

Investment approach

• Multi-manager• Multi-style

• Multi-manager• Multi-style

• Passive• Single-manager (BlackRock)

• Active• Single-manager (Pyramis Asset

Allocation Team, a division of Fidelity)

Portfolio construction

• Diversified investments• Managed by Great-West Life

Portfolio Solutions Group • Underlying funds consist of primarily

internal managers

• Modelled after Continuum Funds• Managed by Great-West Life

Portfolio Solutions Group• Underlying funds consist of primarily

external managers

• BlackRock index funds • Constructed by BlackRock• Designed to emulate the performance

of certain equity and fixed income indexes

• Fidelity institutional pooled funds• Constructed by Pyramis Asset Allocation

Team

Asset class • Canadian equity• Canadian bond• U.S. equity• International equity

• Canadian equity• Canadian bond• U.S. equity• International equity

• Canadian equity • Global equity• Canadian bond• Canadian inflation-linked bond

• Canadian equity • U.S. equity• International equity• Fixed income • Money market funds

Alternative investments

• Real estate• Mortgages • Global bonds

• Real estate• Mortgages• Global bonds

• Global infrastructure• Real estate• Emerging markets

• High yield bonds• Global real estate

Equity allocation at maturity

Thirty six per cent equity and 64 per cent fixed income at target date and thereafter

Thirty six per cent equity and 64 per cent fixed income at target date and thereafter

Forty per cent equity and 60 per cent fixed income at target date and thereafter

Retirement phase - Shifts from 40 per cent equity and 60 per cent fixed income into the post-retirement phase.Post-retirement phase - 10 years after retirement. Set at 30 per cent equity and 70 per cent fixed income.

Asset mix rebalancing

Actively managed and regularly rebalanced to maintain a pre-determined threshold

Actively managed and regularly rebalanced to maintain a pre-determined threshold

Reviewed and rebalanced quarterly Regularly rebalanced using cash flows to maintain a daily target asset mix

Due diligence These funds and their associated investment managers are monitored by Great-West Life Portfolio Solutions Group and are subject to our investment manager review* process.

These funds and their associated investment managers are monitored by Great-West Life Portfolio Solutions Group and are subject to our investment manager review process.

These funds are monitored by BlackRock and are subject to our investment manager review process.

These funds are monitored by Pyramis Asset Allocation Team and are subject to our investment manager review process.

Consideration for risk tolerance Cadence Plus (counterweight funds) N/A N/A N/A

* The investment manager review, a quantitative and qualitative review process, is applied on a semi-annual basis to every investment manager and each investment fund accessible in our core investment lineup. The process is performed by the Investment Manager Review Committee.

A compArison of target date fund solutionsGreat-West Life offers the most extensive target date fund lineup in the group retirement industry. The chart below compares our four target date fund solutions.

We offer the most extensive asset allocation fund solution in the industry: three target risk and four target date asset allocation funds. Our suite of asset allocation funds offer plan members a simple yet sophisticated investment solution to help reach their retirement goals.

Two types of asset allocation fund programsTarget risk asset allocation funds – based on risk profiles determined by our Investment personality questionnaire. The spectrum of target risk funds includes conservative, moderate, balanced, advanced and aggressive profiles.

Target date asset allocation funds – based on a selected retirement date, also referred to as the member’s investment time horizon. Custom target date funds are available for plans with $20 million or more in assets.

Fund reportsHighlight the information members need to know to make sound investment decisions and help them keep track of their investment performance.

Automatic investment rebalancing serviceThis optional service automatically re-adjusts member’s investments to ensure the investment options remain in line with that member’s risk tolerance.

Member investment selection serviceThis optional service helps members choose their investment options. Members get help by calling Great-West Life plan investment consultants. Our non-commissioned, qualified investment professionals provide unbiased investment advice and help members select investments that best suit their retirement and savings goals. As an additional benefit, automatic investment rebalancing is included in this service.

Investment manager reviewsAs a value-added service, the investment manager reviews ensure the quality and consistency of our investment options, allow you to spend less time monitoring investments offered in your plan and help to meet your plan governance responsibilities. The results of the reviews are easily accessible on GRS Access.

National investments services teamOur national investments services team are experts on all of our investment managers and their funds and are here to help you with additional investment expertise and support.

12

Good working relationships aren’t created – they’re earned. We’re eager to earn your trust and respect.

When you work with us, you work with a dedicated team who knows you and knows your plan. Your very own customer service specialist will be with you every step of the way.

National service programCreated annually and specific to each client, our national service program sets high standards for quality service and continuous improvement through a structured, disciplined service delivery.

Sponsor services

GRS Access (www.grsaccess.com)Your online hub for the information and tools you need to manage your plan. You can generate your most recent client statement, create reports and transfer files. Access to information by your plan administrators can be restricted at your discretion. Take a tour of the sponsor view using this guest access ID:

Access ID: ADMIN Password: ONLINE4U

Client reporting Stay up-to-date on your group retirement plans when you need it with GRS Access, where you can create reports on demand. We’ll also work with you to create custom reports that give you information in the format you want it.

The Link™ online newsletterTo save you time, we deliver timely and relevant information directly to your inbox six times a year. Our sponsor newsletter lets you know about important services, products and legislation that could make a difference to you and your members.

13

Client satisfaction is an important part of our corporate culture.

We post quarterly client satisfaction posters in our offices to keep us focused on the goal of exceptional customer service.

That ability to continually build and improve the client and member experience is one of our key qualities. We follow a cycle of innovation.

If it’s worth doing, it’s worth measuring.

Our group productsn Registered retirement savings plans

(RRSP)

n Registered pension plans (RPP) (defined contribution)

n Deferred profit sharing plans (DPSP)

Gathering feedback from clients and

members

Analyzing theirneeds during

quarterly reviews

Innovating and creating

solutions

Implementingthrough the right people

at the right time

Providing platformsfor feedback including

surveys in the call centre, member meetings, client meetings

Measurement

n Simplified pension plans (in Quebec and Manitoba)

n Non-registered savings plans (NRSP)

n Tax free savings accounts (TFSA)

n Investment-only plans

14

Implementation First impressions count. So during the implementation process, we take it very seriously. We offer:

n A project management approach that makes for a simple implementation for you and your members

n People who are dedicated to the success of your plan and willing to hear and understand your perspective

n A foundation in experience that allows us to be flexible enough to meet your unique needs

n A dedicated customer service specialist who’s there for you as your first point of contact for your day-to-day plan needs

Working with youto understand your unique needs

We’ve got you covered.

Our commitment to youYour trust and confidence is vital to us. So we won’t compromise when it comes to safeguards and compliance. Our business processes are matched with careful plan design and ongoing education to help you meet your obligations.

Privacyguidelines

Independentaudits

CAPguidelinestools andsupport

Businesscontinuityplans

Investmentmanagerreviews

Legislativeupdates

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Our experience – your advantageGet the advantage of a leading provider of capital accumulation plans in CanadaGroup retirement services

n More than 17,000 plans administered

n Over 1.2 million plan member accounts

n Over $30.2 billion in assets under administration

n $4.2 billion in annual deposits for 2011

n 13 offices across Canada

n More than 130 retirement specialists ready to help you and your members

Great-West Life, London Life and Canada Lifen Provide service to one in three group capital accumulation plans in Canada

n Over $34.4 billion in pension and group savings assets

n Over $201 billion in assets under administration

n Serve the financial security needs of more than 12 million people across Canada

n Members of the Power Financial Corporation group of companies

In the U.S. – Great-West Life & Annuityn USD$151 billion in pension and savings plan assets

n Fourth largest retirement plan record keeper

As at Dec. 31, 2011

If each of our members took only one second to

introduce themselves to you, it would take them almost

two weeks, 24 hours a day, to do so.

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Begin your partnership with Great-West Life by contacting your local Group Retirement Services representative.

4The Great-West Life Assurance Company, the key design and “Retirement solutions that never stop working” are trademarks of The Great-West Life Assurance Company (Great-West), used under licence by London Life Insurance Company (London Life) and The Canada Life Assurance Company (Canada Life) for the promotion and marketing of insurance products. London Life and Canada Life are subsidiaries of Great-West. As described in this brochure, the group retirement and savings products are issued by London Life and the payout annuity products are issued by Canada Life. The Link is a registered trademark of London Life Insurance Company. 46-3094B-5/12

Find your local contact by visiting:

www.grsaccess.com > About Group Retirement Services > Our team