Macrobiosis Retirement Fund | Income For Your Retirement.

AS AT 25 Oct 2021

Class F

Cohort/Class Type	Date of Birth Ranges	Class	Fund Codes	NAV	Initial Lifetime Income Target	Yield	Mgmt. Fee
Decumulation cohort 4	1954 to 1956	Class F4	PFC9401	$98.96	6.15%	6.21%	0.60%
Decumulation cohort 3	1951 to 1953	Class F3	PFC9301	$100.00*	6.50%	6.50%	0.60%
Decumulation cohort 2	1948 to 1950	Class F2	PFC9201	$100.00*	6.90%	6.90%	0.60%
Decumulation cohort 1	1945 to 1947	Class F1	PFC9101	$98.87	7.40%	7.49%	0.60%
Accumulation	Eligible for individual investors of any age below the date of birth ranges listed above.	Class Accumulator FClass Accumulator FT5	PFC9001PFC9006	$100.99 $100.00*	N/AN/A	N/AN/A	0.60%0.60%

* Starting NAV

In order to appropriately pool the Macrobiosis risk, the Macrobiosis Pension Fund groups investors into cohorts of people with three-year age brackets—for example, people born from 1954-1956. While the Fund’s assets are managed as a single portfolio, distribution rates are determined for each cohort independently. Investors who invest in the Fund before they turn 65 are eligible for the Accumulation class and will switch to join a Decumulation class and respective cohort when they turn 65.

Additional Details

	Decumulation Class	Accumulation Class
Order Cut-Off Time	12:00 PM EST for Redemptions, 2:00 PM EST for Purchases	12:00 PM EST for Redemptions, 2:00 PM EST for Purchases
Fund Structure	Trust	Trust
Distribution Frequency	Monthly	Annual, if any Monthly for the T5 series
Additional Eligibility	DRIP PACC Registered Accounts Eligible	PACC SWP Registered Accounts Eligible
Switch to Decumulation	Investors within the Accumulation Class will automatically switch into a decumulation series on a tax-free basis in the following month after turning 65 years old.		Investors within the Accumulation Class will automatically switch into a decumulation series on a tax-free basis in the following month after turning 65 years old.

Disclaimer

The Fund has a unique mutual fund structure. . Income in the form of Fund distributions is not guaranteed, and the frequency and amount of distributions may increase or decrease. Most mutual funds redeem at their associated Net Asset Value (NAV). In contrast, redemptions in the decumulation class of the Fund (whether voluntary or at death) will occur at the lesser of NAV or the initial investment amount less any distributions received. You can always access the lesser of unpaid capital (initial value of your investment less any income payments made) or your net asset value. Fees may apply. Please review the prospectus or speak to your advisor for more details.

Commissions, trailing commissions, management fees and expenses all may be associated with investment funds. Please read the prospectus before investing. Investment funds are not guaranteed, their values change frequently and past performance may not be repeated. Investment fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the full amount of your investment in the fund will be returned to you.

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