Market conduct principles

Sun Life Financial's commitment to focus on the client is fundamental to our success. In support of this commitment, Sun Life Financial has developed Market Conduct Principles effective worldwide for its operations.

We want to take the opportunity to share some of these Principles with you. As marketing and sales professionals, you play a critical role with the client. Your relationship to the client offers opportunities to create appropriate expectations about our products and services and establish client satisfaction, when these expectations are met.

In the design and marketing of products and services, we will endeavor to:

• Assess both market and client needs to create products and services that have value for the intended audience
• Provide advertising and sales materials that are accurate, fair and clear
• Periodically review the appropriateness of existing products' features and benefits

In the recruitment, selection and training of distributors of products and services, we will endeavor to:

• Engage ethical and competent distributors who are knowledgeable about Sun Life Financial's products and services
• Provide adequate support to our distributors for education and training about our products and services

In the sale of our products and services, we will endeavor to:

• Conduct business with integrity and fairness
• Provide competent and client-focused sales
• Engage in fair competition

In the ongoing servicing and support of clients who have purchased our products and services, we will endeavor to:

• Provide competent, timely and client-focused service
• Provide fair and expeditious handling of client claims, complaints and disputes
• Respect and protect our clients' personal information as outlined in Sun Life Financial's Privacy Policy for Producers
• Comply with all laws, rules and regulations applicable to our business

SLB-2920 0721 Exp. 0723