1. MARKET-LINKED TERM INVESTMENTS
CAMPAIGN OF FEBRUARY 2014
Deadline for Deposits January 31, 2014 at 4 p.m. (Eastern Time)
Securities
Healthcare
Consumer Staples
Financials
Global Diversified
• 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.
• Tesco PLC
• Unilever NV
• Bank of Montreal
• CIBC
• Great-West Lifeco Inc.
• Intact Financial Corporation
• Manulife Financial Corp.
• Royal Bank of Canada
• Scotiabank
• TD Bank Group
Co. Ltd
• 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
February 12, 2014
February 14, 2017
Initial Date
Maturity Date
Consumer Staples, Financials and Global Diversified
February 14, 2014
February 14, 2014
February 16, 2017
February 16, 2019
February 12, 2014
February 14, 2019
Return options
3 years and 2 days
1.5%
Guaranteed
minimum return
(annual return: 0.50%)
Potential
maximum return
(annual return: 2.28%)
7%
0%
10%
(annual return: 3.23%)
5 years and 2 days
5%
(annual return: 0.98 %)
18%
(annual return: 3.37%)
0%
28%
(annual return: 5.06 %)
If the return at maturity is between the minimum and maximum percentage of the chosen option, the actual return will be used.
Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
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%
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
December 12, 2016
January 12, 2017
February 13, 2017
December 12, 2018
January 15, 2019
February 12, 2019
Consumer Staples
Financials
Global Diversified
December 14, 2016
January 17, 2017
February 14, 2017
December 14, 2018
January 15, 2019
February 14, 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 Financials 5-18
All Deposits are initially invested in a special Daily Interest Fund pending their investment on
the next issue date. The sum accumulated (minimum $500) on this date, called the Initial Date,
constitute the Initial Deposit and will be invested in Guarantee Advantage®. 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 February 2014 campaign or to postpone the Initial Date.
09014E (13-11)
1
Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
100%
®
Registered trademark owned by Desjardins Financial Security