CI's T-Class creates a stream of predictable tax-deferred cash flows without sacrificing a choice of investments. T-Class can provide more after-tax cash flow than conventional systematic withdrawal plans.

By using T-Class, investors can:

• Customize their payments.
  
  
• Create a predictable, tax-effective stream of monthly cash flow to meet their needs without sacrificing the potential for growth.
  
  
• Allow their investments to continue growing at rates that can potentially match, or outstrip the rate of withdrawal.
  
  
• Choose from over 50 funds, including income, balanced, equity or managed solutions.

T-Class is offered at the targeted annual distribution levels of 5% and 8%. Payments can then be further customized, either by selecting a lower percentage or a fixed dollar amount per month. Investors can request a payment amount equivalent to anywhere between 0.25% and 8% (increments of 0.25%) of the value of the fund as of the previous year end.

There is no additional cost for the T-Class option. (Please note that T-Class shares also may pay a taxable annual dividend.)