MARKET-LINKED TERM INVESTMENTS

CAMPAIGN OF april 2014
Deadline for Deposits March 21, 2014 at 4 p.m. (Eastern Time)

Bask...
MARKET-LINKED TERM INVESTMENTS

Features
Minimum Deposit 1

$500
Deposits are accepted up to age 95.

Eligibility for regi...
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Guarantee Advantage - April 2014 campaign

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Please notice the upgrade in participation percentage for the 50 000$ deposits and up !

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Guarantee Advantage - April 2014 campaign

  1. 1. MARKET-LINKED TERM INVESTMENTS CAMPAIGN OF april 2014 Deadline for Deposits March 21, 2014 at 4 p.m. (Eastern Time) Basket of Securities Healthcare Consumer Staples Financials • Bristol-Myers Squibb Co. • Eli Lilly • GlaxoSmithKline Plc • Johnson & Johnson • Merck & Co. Inc. • Novartis AG • Pfizer Inc. • Roche Holding AG • Sanofi-Aventis SA • Takeda Pharmaceutical • Coca-Cola Co. • ConAgra Foods Inc. • Danone SA • General Mills • Kellogg Company • Kimberley-Clark Corp. • Nestlé SA • Procter & Gamble Co. • Reckitt Benckiser • Bank of Montreal • CIBC • Great-West Lifeco Inc. • Intact Financial Corporation • Manulife Financial Corp. • Royal Bank of Canada • Scotiabank • TD Bank Group Co. Ltd Global Diversified Group PLC • Unilever NV • 3M • AstraZeneca PLC • Bank of Montreal • BASF SE • Commonwealth Bank • Exxon Mobil • General Mills • IBM • Johnson & Johnson • Microsoft Corp • National Grid • Procter & Gamble • Rogers Communications • Royal Bank of Canada • Siemens • Takeda Pharmaceuticals • TD Bank Group • Thomson Reuters • TransCanada Corp. • Unilever PLC Terms 3 years and 2 days 5 years and 2 days Healthcare Initial Date Maturity Date April 9, 2014 April 11, 2017 Initial Date Maturity Date Consumer Staples, Financials and Global Diversified April 11, 2014 April 11, 2014 April 13, 2017 April 13, 2019 April 9, 2014 April 11, 2019 Return options 3 years and 2 days Guaranteed minimum return 1.5% (annual return: 0.50%) 0% 5 years and 2 days 5% (annual return: 0.98%) 0% 28% (annual return: 5.06%) Potential maximum return 7% (annual return: 2.28%) 10% (annual return: 3.23%) 18% (annual return: 3.37%) Deposits of $50,000 or more in Global Diversified: 33.6%* (annual return: 5.96%) * This potential maximum return is calculated with a 120% participation rate. If the return at maturity is between the minimum and maximum percentage of the chosen option, the actual return, multiplied by the participation rate, will be used. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
  2. 2. MARKET-LINKED TERM INVESTMENTS Features Minimum Deposit 1 $500 Deposits are accepted up to age 95. Eligibility for registered plans 2,3 RRSPs, RRIFs, LIRAs, LIFs, TFSA and non-registered Surrender option The Initial Deposit may be surrendered or transferred in full or in part at any time. Surrender Value = Current Value – [(compound interest rate on Deposit with similar remaining term + 1.5%) X number of years to maturity remaining X Current Value] The Surrender Value cannot be greater than the Initial Deposit. Death Benefit guarantee The Death Benefit amount is equal to 100% of the Initial Deposit. Interest on Deposits made before an Initial Date Interest rate of the special Daily Interest Fund: 1% Management fees No fees Participation rate 100% or 120% for a deposit of $50,000 or more in Global Diversified basket Assuris protection Yes Creditor protection  4 When a “preferred” Beneficiary or an irrevocable Beneficiary is named. Specific Business Days Specific Business Days are used to calculate the Investment rate of Return. 3 years et 2 days 5 years et 2 days Healthcare February 9, 2017 March 9, 2017 April 10, 2017 February 12, 2019 March 12, 2019 April 9, 2019 Consumer Staples Financials Global Diversified February 13, 2017 March 14, 2017 April 11 , 2017 February 12, 2019 March 12, 2019 April 11, 2019 To write on the Contract Application “GA” followed by the name of the basket of securities and the return option chosen by the client. For example: GA Healthcare 0-10 GA Global Diversified 0-28 GA Financials 5-18 GA Global Diversified 0-33.6 (Deposits of $50,000 or more) All Deposits are initially invested in a special Daily Interest Fund pending their investment on the next issue date. The sum accumulated on this date, called the Initial Date, constitutes the Initial Deposit and will be invested in Guarantee Advantage® if the Minimum Deposit is respected. The maturity date of a PAC depends on the Initial Date and term. 2 Eligible for LIFs only under the Quebec legislation. 3 No periodic payments for a RRIF or a LIF. 4 This is for your information only and does not constitute a legal opinion. The exemption from seizure rules can differ by province and can be very complex. Contracts are subject to seizure if it can be proven that the plan was set up to avoid paying off a debt or if the insured goes bankrupt within one year of designating a Beneficiary. We recommend that you contact a lawyer or notary to review your specific situation. The information contained in this material is subject to change without notice. Desjardins Insurance reserves the right to suspend Guarantee Advantage® Deposits for the April 2014 campaign or to postpone the Initial Date. 09014E (14-01) 1 Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. 100% ® Registered trademark owned by Desjardins Financial Security

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