EMPIRE LIFE MULTI-STRATEGY GLOBAL BALANCED PORTFOLIO GIF

Class L Guaranteed Investment Funds as of October 31, 2024

INVESTMENT MANAGEMENT Dave Paterson, CFA Empire Life Investment Team	WHY INVEST IN THIS FUND You are seeking a balance between long-term capital growth and earning income by investing primarily in global equity securities and fixed income securities
FUND FACTS Asset Class Portfolio Funds Size (Mill) $47.13 MER 2.93 % Inception October 23, 2019 Total Holdings 4330	RISK TOLERANCE low low to medium medium medium to high high
ASSET MIX (as at September 30, 2024) U.S. Equities 33.7 % Canadian Equities 15.5 % Canadian Bonds 13.8 % International Equities 12.8 % U.S. Bonds 12.2 % Cash and Cash Equivalents 7.2 % International Bonds 4.8 % Mutual Fund 0.0 % Other Net Assets (Liabilities) 0.0 % SECTOR MIX (as at September 30, 2024) Information technology 21.3 % Financials 16.8 % Health care 12.8 % Industrials 12.6 % Consumer discretionary 10.0 % Consumer staples 8.1 % Communication services 7.5 % Materials 3.7 % Energy 3.2 % Utilities 2.5 % Real Estate 1.4 % Other 0.0 %	GROWTH OF $10,000 For Illustration Purposes Only
	COMPOUND ANNUAL RETURNS 1 mo 3 mo YTD 1 yr 3 yr 5 yr 10 yr Inception -0.18 1.44 8.97 16.04 1.73 2.41   2.55 CALENDAR YEAR RETURNS 2016 2017 2018 2019 2020 2021 2022 2023         3.65 3.88 -11.83 7.83

Empire Life will endeavour to ensure the information presented is accurate and updated, but will not be held liable for inaccuracies. A description of the key features of the individual variable insurance contract is contained in the Information Folder for the product being considered. Any amount that is allocated to a Guaranteed Investment Fund is invested at the risk of the contract owner and may increase or decrease in value. ** Annual Compound Returns: 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. Past performance is no guarantee of future performance. ^® Registered Trademark of The Empire Life Insurance Company. Policies are issued by The Empire Life Insurance Company.