SAVINGS PROTECTION. Helios2 75/75. Grow your money with confidence

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1 SAVINGS PROTECTION Helios2 75/75 Grow your money with confidence Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

2 Your personal savings are an important part of your financial security. The logical solution is to choose a reasonably-priced investment that will protect you from unexpected events without compromising growth. What is a guaranteed investment fund (GIF)? A GIF (or a segregated fund) is an investment fund created and issued exclusively by a life insurance company. GIFs are offered through contracts that provide maturity and death benefit guarantees.

3 Why choose Helios2 75/75? To obtain the unique protection offered by a guaranteed investment fund: 75% of your Deposits are guaranteed at maturity and in the event of death. You can protect your savings from creditors. 1 Your Contract includes a guaranteed Death Benefit that will be paid out in just a few business days to a person or organization of your choosing. 2 To take advantage of the financial markets growth potential: You can choose from among 32 individual Funds offering broad diversification. You also have access to five Investment Solutions that have been developed based on your risk tolerance level and that are automatically rebalanced. In this document, the Contract Owner and the Annuitant are the same person. If in your case these are not the same person, please see the Contract and Information Folder. 1 In order for the Contract to be exempt from seizure, your relationship with your Beneficiary must meet certain criteria. Refer to the table included in this document for more information. In addition, exemption from seizure rules can be complex and may vary from one province to another. Please speak to a legal advisor (lawyer or notary) for an assessment of your specific situation. 2 Conditions apply, including receipt of the appropriate documentation, such as a death certificate.

4 Protect what matters to you PROTECTING YOUR SAVINGS: THE ADDED VALUE OF GIF CONTRACTS Your Helios2 Contract allows you to designate a Beneficiary, so you can protect your savings and loved ones in the event of death, bankruptcy or legal action. 3 Beneficiary: the person or organization that will receive the value of your Contract upon your death. PROTECT THOSE YOU LOVE IN THE EVENT OF DEATH The Beneficiary you name will receive the value of your Contract without having to go through probate. This payment is made confidentially and usually takes place within a few business days at no charge. 3 Conditions apply, such as the type of relationship between you and the person you choose as your Beneficiary. In addition, exemption from seizure rules can be complex and may vary from one province to another. Please speak to a legal advisor (lawyer or notary) for an assessment of your specific situation.

5 PROTECT YOUR SAVINGS IN THE EVENT OF BANKRUPTCY OR LEGAL ACTION Not all savings instruments are exempt from seizure. The law reserves this type of protection for products such as Helios2, that are offered by life and health insurers, provided an appropriate Beneficiary has been designated. This advantage is especially well-suited to entrepreneurs, self-employed workers and certain professionals. Designations that offer creditor protection 3,4 Revocable Beneficiary Married spouse Parents Grandparents (in Quebec only) Children Grandchildren Irrevocable Beneficiary Any person 5 3 Conditions apply, such as the type of relationship between you and the person you choose as your Beneficiary. In addition, exemption from seizure rules can be complex and may vary from one province to another. Please speak to a legal advisor (lawyer or notary) for an assessment of your specific situation. 4 In all provinces except Quebec, the relationship must be between the Annuitant under the Contract and the persons listed in this table. In Quebec, the relationship must be between the Contract Owner and the persons listed in this table. 5 The consent of the irrevocable Beneficiary is required to make changes to the Contract or perform transactions involving the Contract.

6 Protections for Helios2 75/75 Maturity Benefit Death Benefit The right choice if: 75% at age % You want to protect your investment at a reasonable price. EXTRA PROTECTION: ASSURIS Assuris protects your Deposits from loss in the event your insurance company declares bankruptcy. Visit assuris.ca for more information.

7 Access the markets full potential DFS Guaranteed Investment Funds are offered in association with highly regarded investment managers. For more information about the Funds offered through Helios2, ask your representative for the DFS Guaranteed Investment Funds leaflet. DSF Guaranteed Investment Funds Protect what s important to you Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

8 Choosing Desjardins... is choosing Desjardins Group, the largest cooperative financial group in Canada whose financial stability is recognized by the following credit ratings which are comparable, if not superior to those of the five largest Canadian banks and insurance companies: The Contract and Information Folder contains important information on the Desjardins Financial Security Guaranteed Investment Funds Plan Helios2 and the DFS Guaranteed Investment Funds. Please note that our defined terms can be found in the Contract and Information Folder. Please read it carefully before investing. Helios2 is a registered trademark owned by Desjardins Financial Security Life Assurance Company. DFS Guaranteed Investment Funds is a registered trademark owned by Desjardins Financial Security Life Assurance Company. DFS Guaranteed Investment Funds are established by Desjardins Financial Security Life Assurance Company. DFS stands for Desjardins Financial Security. Standard and Poor s A+ Moody s Aa2 Dominion Bond Rating Service AA Fitch AAdesjardinslifeinsurance.com/helios2 Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. Registered trademark owned by Desjardins Financial Security Life Assurance Company 100% This document is printed on Rolland Enviro paper E (15-11)