While Equitable has made every effort to ensure the accuracy of the information presented here, the policy contract governs in all cases.

1. If premiums are not paid, the account value will be used to cover the monthly charges of the coverage. Therefore, the account value must always be enough to cover the monthly charges. If it is not, the policy owner will need to continue or resume premium payments to keep the coverage in effect.

2. A pro rata surrender charge will apply to withdrawals made within the first 9 years. Market value adjustments may apply to funds invested in guaranteed deposit accounts. Accessing the cash value in your policy may be subject to taxation and a tax reporting slip may be issued.

3. Snap Advance and Compassionate Advance are non-contractual benefits and may be altered or terminated by Equitable at any time without notice.

*All KIND program benefits are subject to the provisions of the Income Tax Act (Canada). Please speak with a tax professional before claiming a KIND benefit. Check your policy contract for terms and conditions.

**This is a non-contractual benefit. Equitable can change or withdraw this benefit at any time. Your policy must be in effect for the 24 months prior to the date of diagnosis with no reinstatement during that time.

***Payable amount is adjusted for any policy loans and cash withdrawals, living benefit payments already made, and any compassionate advance.