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*The MER is estimated as the fund is less than 12 months old.

All Concordia Funds, the Premier Equity Fund and Equity Growth Fund #3 are closed funds. Only clients whose existing policies permit investment in these Funds can make deposits to these Funds.

*Fund Performance:* Returns under 1 year are simple rates of return. All others are annual compound rates of return. All returns are calculated after taking expenses, management and administration fees into account.
Different classes have different returns due to the expenses charged to each category. Past performance is no guarantee of future performance. Empire Life will endeavour to ensure the information presented is accurate and up-to-date, but will not be held liable for any misstatements.

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Policies are issued by The Empire Life Insurance Company