

It helps protect your finances when you're faced with health challenges, and helps safeguard your family's quality of life after you're gone. "ASSET REUNIFICATION" is a registered trademark of Georgeson Shareholder Communications Canada Inc.Insurance is the foundation of your plan for a secure financial future. Complete the Asset Reunification Form that was sent to you and mail it back to us, using the business reply envelope provided.Visit the program website provided on the Important Notice you received from Georgeson, and log on using the passcode provided.To claim your entitlements, you may choose one of the following options: How do I claim my share and/or cash entitlements? This may be as a result of not having your current address on the shareholder register. You may be the owner, or a representative of the owner, due an unclaimed and outstanding cash payment from Sun Life Financial Inc. If you were a shareholder of Clarica after December 31, 2002, you should have exchanged your Clarica certificates in exchange of your share and/or cash entitlements from Sun Life Financial Inc. as well as any accrued or unclaimed dividends or distributions paid, for every common share of Clarica they held.

Following this transaction, holders of Clarica common shares were due 1.5135 common shares of Sun Life Financial Inc. On December 31, 2002, Clarica Life Insurance Company (“Clarica”) amalgamated with Sun Life Assurance Company of Canada.

Unexchanged Shares of Clarica Life Insurance Company If you were a policyholder of Sun Life on January 27, 1998, you should have claimed your demutualization benefits consisting of cash or common shares of Sun Life Financial Inc. Through this process, people holding eligible policies on Janubecame entitled to demutualization benefits consisting of cash or common shares of Sun Life Financial Inc. On March 22, 2000, Sun Life became a publicly traded company through a process known as demutualization.
