Contract and Information Folder

GUARANTEED INVESTMENT FUNDS OCTOBER 2015 Contract and Information Folder Financial information as of December 31, 2014 This document contains the Contract, a description of the investments, terms applicable under the Contract, as well as other information on the Desjardins Financial Security Guaranteed Investment Funds Plan Helios2. DFS Guaranteed Investment Funds are established by Desjardins Financial Security Life Assurance Company. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

What This Document Contains This document contains information about the Helios2 Contract and the Desjardins Financial Security Guaranteed Investment Funds Plan Helios2. Please read it carefully before you decide to purchase this Contract. Subject to any applicable guarantees, any part of the Deposit or other amount that is allocated to a segregated fund is invested at the risk of the Owner and may increase or decrease in value.

Key Facts Please note that our defined terms are found in the Glossary. This summary provides a brief description of the basic things you should know before you apply for this individual variable insurance contract. This summary is not your Contract. A full description of all the features and how they work is contained in this document. You should review this and ask your representative any questions you have. WHAT AM I PURCHASING? The Helios2 Contract is an insurance contract. It is between you and Desjardins Financial Security Life Assurance Company. It is called the Desjardins Financial Security Guaranteed Investment Funds Plan Helios2. You have choices to make when you buy it. You must choose: A Guarantee (Helios2 75/75 OR Helios2 75/100 i OR Helios2 75/100 GLWB) Funds A registered or a non-registered Contract (RRSP, RRIF, TFSA, etc.) Who will own this Contract A Series and a Fee Option You may also tell us: Who you want to receive the Death Benefit These choices can have an impact on the taxes that you may have to pay. Please read this document carefully and ask your representative any questions that you have. The value of this Contract can go up or down subject to the guarantees. WHAT GUARANTEES ARE AVAILABLE? You get maturity and death benefit guarantees. These guarantees help protect your Deposits. You have to pick the guarantee that you want. You have 3 Guarantees to pick from: Helios2 75/75 Helios2 75/100 i Helios2 75/100 GLWB You must pay different fees for each Guarantee. Any withdrawals you make will reduce the guarantees. For full details, please see the Surrenders and Withdrawals section of this document. key facts Maturity Benefit Guarantees Your Maturity Benefit protects the value of your Deposits at maturity, on the Annuitant s (life assured s) 105th birthday. Any withdrawals you make will reduce your Maturity Benefit. See the Guarantees section for more information. The Guarantee you pick is very important. Ask your representative for help. Helios2 75/75 Helios2 75/100 i Helios2 75/100 GLWB Maturity Benefit The greater of: the market value of the Units attributed to this Contract, OR; 75% of the Deposits less adjustments for withdrawals. Death Benefit Guarantees The Death Benefit protects the value of your Deposits if the Annuitant (life assured) dies. We pay the Death Benefit to the person you name. Any withdrawals you make will reduce your Death Benefit. Helios2 75/75 Helios2 75/100 i Helios2 75/100 GLWB Death Benefit The greater of: the market value of the Units attributed to this Contract, OR; 75% of the Deposits less adjustments for withdrawals. The greater of: the market value of the Units attributed to this Contract, OR; 100% of the Deposits (adjusted with inflation up to age 75) less adjustments for withdrawals. The greater of: the market value of the Units attributed to this Contract, OR; 100% of the Deposits less adjustments for withdrawals. Helios2 75/100 i has automatic resets of the Death Benefit every year until the Annuitant s (life assured s) 75th birthday. The Death Benefit may be increased each year by the Inflation Rate. If you select Helios2 75/100 i, you will pay additional fees. Until the Annuitant s (life assured s) 80th birthday, Helios2 75/100 GLWB has automatic resets of the Death Benefit every 3 years. If you select Helios2 75/100 GLWB, you will pay additional fees. Contract and Information Folder October 2015 1

Lifetime Withdrawal Guarantee If you select Helios2 75/100 GLWB as your Guarantee, there is a lifetime withdrawal component. These withdrawals will last the entire life of the Annuitant (life assured). You will pay more in fees for this Guarantee. Only a selection of our Funds is offered with this Guarantee. Any withdrawals will reduce the Guaranteed Amounts under this Contract. Furthermore, any withdrawals you make in excess of the GLWB Maximum Amount will impact the future withdrawals that you may be entitled to make. The amount of your Deposits and the age of the Annuitant(s) (life assured) will affect the withdrawals you may be entitled to get. You may be able to increase your withdrawals through bonuses and resets. If you withdraw more than permitted, this may decrease your future withdrawals. This Guarantee may not be suitable for everyone. For full details on how the Guarantees work, please see the Guarantees and Surrenders and Withdrawals sections of this document. WHAT FUNDS ARE AVAILABLE? You can find information about each Fund in the Fund Facts section of this document. Read the Fund Facts pages of each of the Funds. If you select Helios2 75/100 GLWB, only a selection of our Funds is offered with this Guarantee. The performance of the Funds is not guaranteed. Think carefully about how you feel about risk when choosing Funds. Ask your representative for help in choosing Funds to suit your needs. HOW MUCH WILL THIS COST? Your choice of Guarantee, Funds, Series and Fee Option affect your costs. You will pay fees based on the Guarantee, Series and Funds you choose. For all Guarantees, fees are deducted from the Funds. They are shown as Management Expense Ratios (MERs) on each of the Fund Facts pages of this document. These fees include applicable sales taxes. If you select the Series 6B or Series 6C Fee Options, depending on the amount of time since you made a Deposit(s) to this Contract, you may have to pay a surrender charge when you take money out of the Contract. See the Charges and Fees section for more information. If you select either Helios2 75/100 GLWB or Helios2 75/100 i as your Guarantee, you will pay additional fees. WHAT CAN I DO AFTER I PURCHASE THIS CONTRACT? Deposits You can add more money to this Contract. See the Limitations on Deposits and the specific limitations applicable for each of the Guarantees sections for more information. Switches You can move money from one Fund to another Fund provided that the Funds you select are offered with the Guarantee you have chosen. Only a selection of our Funds is offered with Helios2 75/100 GLWB. See the Fund Switch Privilege section for more information. Surrenders You can ask to take money out of this Contract. Surrenders will reduce your guarantees. You may have to pay fees or taxes. See the Surrenders and Withdrawals and Charges and Fees sections for more information. Annuity At a certain time, unless you choose another option, we will start making life annuity payments to you or the person you designate. See the Annuity Provisions section for more information. You have the rights we describe in this document. Certain restrictions and other conditions may apply. Read this document carefully and ask your representative any questions you may have. WHAT INFORMATION WILL I RECEIVE ABOUT MY CONTRACT? For each Fund that you have invested in, at least once a calendar year, we will tell you in writing: Any new Deposits you made that calendar year The value of your Deposits How many Units have been attributed to you in each Fund, and Other transactions you made that calendar year. You can ask for the financial statements of our Funds. We update these documents twice a calendar year. You can also find them on our website. CAN I CHANGE MY MIND? Yes, you can. If you change your mind, you have the right to: Cancel this Contract Cancel any Deposits you made, or Reverse certain investment decisions. If you want to do any of these, you have to tell us in writing within 2 business days of the earlier of: Receiving a confirmation from us; or 5 business days after the confirmation has been sent. 2 Contract and Information Folder October 2015

The amount returned will be the lesser of your Deposit or its value, if it has gone down. If you cancel, the amount returned will include a refund of all fees you paid. If you change your mind about a specific purchase, the right to cancel only applies to that purchase. key facts WHERE CAN I GET MORE INFORMATION OR HELP? Our mailing address is: Desjardins Financial Security Guaranteed Investment Funds Administration 1 Complexe Desjardins P.O. Box 9000 Montreal, Quebec H5B 1H5 Our telephone number is 1-888-729-3422. Our fax number is 1-888-926-2987. Or you can send us an email at gifclientservice@dfs.ca. Go to our website at desjardinslifeinsurance.com for even more information. If there are problems that we can not solve together and you need help, contact the OmbudService for Life & Health Insurance. Their phone number is 1-888-295-8112. Or you can also go to their website at olhi.ca for help. For information on the additional protection you have as a holder of a life insurance contract, contact Assuris. Go to assuris.ca. Assuris is a company established by Canadian member insurance companies. We are a member company. The insurance regulator in your province can also help. Visit the Canadian Council of Insurance Regulators website at ccir-ccrra.org to find them. In the province of Quebec, the insurance regulator is the Autorité des marchés financiers (AMF). For information about handling issues you are unable to resolve with your insurer, contact the Information Centre of the AMF at 1-877-525-0337 or at information@lautorite.qc.ca. Contract and Information Folder October 2015 3

Desjardins Financial Security Life Assurance Company Desjardins Financial Security Life Assurance Company specializes in providing financial security through a sound combination of insurance and investment products. Over five million Canadians from coast to coast rely on Desjardins Financial Security to protect and grow their capital. A subsidiary of Desjardins Group, the largest integrated cooperative financial group in Canada, with $212 billion in assets as of December 31, 2014, Desjardins Financial Security has offices in Vancouver, Calgary, Winnipeg, Toronto, Ottawa, Montreal, Quebec, Lévis, Halifax and St. John s. The head office of the Company is located at 200, rue des Commandeurs, Lévis, Quebec, G6V 6R2, and we have a place of business at 1 Complexe Desjardins, P.O. Box 9000, Montreal, Quebec, H5B 1H5. The Desjardins Financial Security Guaranteed Investment Funds Plan Helios2 We certify that this document includes the policy contract and provides brief and plain disclosure of all material facts relating to the variable life annuity policy evidenced by the Contract called the Desjardins Financial Security Guaranteed Investment Funds Plan Helios2, which is issued by Desjardins Financial Security Life Assurance Company. The Company intends to engage in the continuous sale of individual variable annuity contracts under the Desjardins Financial Security Guaranteed Investment Funds Plan. Denis Berthiaume President and Chief Operating Officer, Life and Health Insurance The contracts issued under the Desjardins Financial Security Guaranteed Investment Funds Plan are sold through licensed life insurance representatives in Canada. Alain Bédard Senior Vice-President, Individual Insurance and Savings Helios2 and Desjardins Financial Security Guaranteed Investment Funds Plan Helios2 are trademarks owned by Desjardins Financial Security Life Assurance Company. Desjardins Financial Security Guaranteed Investment Funds and DFS Guaranteed Investment Funds are registered trademarks owned by Desjardins Financial Security Life Assurance Company. 4 Contract and Information Folder October 2015

Table of Contents CONTRACT...7 Description of this Contract....7 Glossary....7 Notice and Instructions...8 List of Funds...9 Fundamental Changes...9 Our Agreement with You...9 Additional Information for residents of Alberta and British Columbia...10 Changing your Mind...10 Fund Facts...10 Deposits...10 How to make a Deposit....10 Choices for Allocation of Deposits....10 Deposits and Attribution of Units...11 Limitations on Deposits....11 Pre-Authorized Debit (PAD) Agreement...11 Units of a Fund....11 Value of this Contract...12 Fund Switch Privilege...12 Surrenders and Withdrawals...13 General Information...13 Limitations on Surrenders....14 Systematic Withdrawal Program (including RRIFs)...14 Short-term Trading Fees...14 Compensation Paid...14 Charges and Fees...15 (A) Charges to the Owner....15 At the Time of Surrender...15 Waiver of Surrender Charges Applicable to Units under the Series 6B or Series 6C Fee Options...15 Monthly Fees for a Selected Guarantee...15 (B) Charges to the Funds....16 Management Fees...16 MER (Management Expense Ratio)...16 Guarantees...19 Helios2 75/75...19 Limitations on Deposits for Helios2 75/75... 19 Maturity Benefit....19 Death Benefit....19 Example of the calculation of the Minimum Maturity Benefit Amount and Minimum Death Benefit Amount and the impact of Deposits and Surrenders...20 Helios2 75/100 i...20 Limitations on Deposits for Helios2 75/100 i... 20 Maturity Benefit....21 Example of the Effect of Deposits and Surrenders on the Minimum Maturity Benefit Amount....21 Death Benefit....21 Description of the Inflation Adjusted Value...21 Example of the Effect of Deposits on the inflation adjusted value and Minimum Death Benefit Amount.... 22 Example of the Effect of Proportional Withdrawals on the Minimum Death Benefit Amount and inflation adjusted value. 22 Helios2 75/100 GLWB....22 Limitations on Deposits for Helios2 75/100 GLWB... 23 Maturity Benefit.... 23 Death Benefit.... 23 Example of the effect of Deposits and Surrenders on the Minimum Maturity Benefit Amount and the Minimum Death Benefit Amount....24 Guaranteed Lifetime Withdrawal Benefit definitions...24 GLWB Maximum Amount...25 Adjustments to the GLWB Maximum Amount....25 GLWB Protected Value....25 Example of Adjustments to the GLWB Protected Value...25 GLWB Bonus Base...26 Example of Adjustments to the GLWB Bonus Base...26 GLWB Bonus...26 Example of the GLWB Bonus applied to the GLWB Protected Value...27 GLWB Bonus Rate...27 GLWB Withdrawal Percentage...27 Adjustments to the GLWB Withdrawal Percentage...27 Example of Adjustments to the GLWB Withdrawal Percentage...28 GLWB Excess Withdrawals...28 Example of GLWB Excess Withdrawals on the Minimum Maturity Benefit Amount, Minimum Death Benefit Amount, GLWB Protected Value and GLWB Bonus Base...29 GLWB Eligible Withdrawals...29 Guaranteed Payment Phase...29 Options after the day the Annuitant attains age 65...29 Annuity Provisions... 30 Annuity Prior to the day the Annuitant attains age 105. 30 Annuity on the day the Annuitant attains age 105.... 30 Loan and Non-Forfeiture Options... 30 Creditor Protection.... 30 Non-registered Contracts... 30 Joint Owners...30 A) Joint Ownership with Right of Survivorship (except Quebec)....30 B) Subrogated Owner (Quebec only)... 30 Joint Annuitants...31 Contingent Owner (Subrogated Owner in Quebec)...31 Registered Contracts...31 RRSPs and Other Registered Plans...31 RSP Endorsement...31 RIF Endorsement...32 TFSA Endorsement...33 table of contents Contract and Information Folder October 2015 5

Locked-in Pension Benefits...34 RSP....34 RIF...34 Value of the Funds and the Units...34 Income Allocations for Tax Purposes...35 Tax Status of the Funds...35 Tax Status of Owners....35 Contract held in a Nominee or Intermediary Account...36 Assignment of Obligations by the Company...36 Limitations on Assignment....36 Closing of Funds, Series, or Fee Options...36 OTHER INFORMATION...37 Management of the Funds...37 Material Contracts...37 Interest of Management and Others in Material Transactions...37 Financial Statements...37 Other Material Facts...37 ANNEX A GLWB Bonus Rate and GLWB Withdrawal Percentage...39 GLWB Bonus Rate...39 GLWB Withdrawal Percentage....39 GLWB Withdrawal Percentage Table....39 ANNEX B Helios2 75/100 GLWB Case Studies....41 Helios2 75/100 GLWB at retirement...41 Helios2 75/100 GLWB prior to retirement...43 INVESTMENT INFORMATION...45 Investment Policies for the Funds....45 Investment Policies for All Funds...47 Principal Risk Factors...48 Market Risk...48 Special Equities Risk...48 Interest Rate Risk...48 Credit Risk...48 Foreign Currency Risk....48 Sovereign Risk...49 Derivatives Risk....49 Investment Solutions...51 Individual Funds...55 Income Funds....56 Balanced and Asset Allocation Funds...57 Canadian Equity Funds....64 Foreign Equity Funds...68 FUND FACTS DESJARDINS FINANCIAL SECURITY GUARANTEED INVESTMENT FUNDS...71 DFS GIF Conservative... 72 DFS GIF Moderate.... 75 DFS GIF Balanced...78 DFS GIF Growth...81 DFS GIF Maximum Growth... 84 DFS GIF Money Market...87 DFS GIF Income Fiera Capital... 90 DFS GIF Canadian Bond...93 DFS GIF Diversified Income Franklin Quotential... 96 DFS GIF Balanced Income Franklin Quotential... 99 DFS GIF Canadian Balanced Fidelity... 102 DFS GIF U.S. Monthly Income Fidelity... 105 DFS GIF Balanced Desjardins SocieTerra............. 108 DFS GIF Global Balanced Jarislowsky Fraser... 111 DFS GIF Canadian Balanced Fiera Capital.... 114 DFS GIF Canadian Balanced Franklin Bissett... 117 DFS GIF Balanced Growth Franklin Quotential... 120 DFS GIF Canadian Balanced CI Signature...123 DFS GIF Income and Growth CI Signature...126 DFS GIF Growth and Income NEI Northwest...129 DFS GIF Global Growth NEI Select...132 DFS GIF Canadian Asset Allocation CI Cambridge..... 135 DFS GIF Growth Franklin Quotential... 138 DFS GIF Dividend Income Franklin Bissett.... 141 DFS GIF Canadian Dividend NEI Northwest...144 DFS GIF Canadian Equity Jarislowsky Fraser... 147 DFS GIF Canadian Equity Fidelity True North...150 DFS GIF Canadian Equity Franklin Bissett... 153 DFS GIF Canadian Equity Fiera Capital...156 DFS GIF Specialty Equity NEI Northwest...159 DFS GIF Small Cap Franklin Bissett...162 DFS GIF American Equity MFS...165 DFS GIF American Equity Value Desjardins...168 DFS GIF Global Dividend Desjardins...171 DFS GIF Global Equity MFS...174 DFS GIF International Equity MFS...177 DFS GIF International Equity Growth Desjardins.... 180 6 Contract and Information Folder October 2015

Contract Description of this Contract The Helios2 Contract is an individual variable annuity contract under which the benefits depend upon the performance of the Desjardins Financial Security Guaranteed Investment Funds (DFS GIF). It is offered by Desjardins Financial Security Life Assurance Company. Desjardins Financial Security, DFS or the Company means Desjardins Financial Security Life Assurance Company. It is designed to provide you with an opportunity to attain your financial goals by making Deposits, which the Company will invest in the Funds you select. Glossary The meanings of certain terms used in this document are as follows: Administrative Rules means the internal rules that govern our operations, including policies, guidelines, rules and practices of the Company, which can be changed at the sole discretion of the Company; Annuitant means the person or persons in the event of whose death(s) the Death Benefit is payable whereupon this Contract and any applicable guarantees attached to it will end. It is the person or persons (in the case there is more than one Annuitant) whose name(s) appear(s) as Owner on an application accepted by the Company unless otherwise specified in such application. For the purposes of calculating the Death Benefit and all other Guarantees, the measuring life will be deemed to be the younger Annuitant. In the case where there is more than one Annuitant, the Death Benefit is payable on the death of the last survivor and any other guarantees will end on the death of the last survivor. For all registered plans, the Annuitant will always be the Owner of this Contract; Beneficiary means the person you designate to receive the Death Benefit under this Contract; CIFSC means the Canadian Investment Funds Standards Committee, which provides standardized fund classification categories that are subject to change without Notification; Contract means the contract application, the present individual variable insurance Contract, items 1 (Company, Contract and Fund names), 2 (Quick Facts), 5 (How risky is it?), 8 (How much does it cost?) and 9 (What if I change my mind?) of the attached Fund Facts pages; Contract Anniversary Date means the anniversary of the Valuation Date of your first Deposit; Cut-Off Time means a time on each Market Day when trading on the Toronto Stock Exchange ends, generally 4 pm (EST); Death Benefit means the greater of the value of the Units attributed to this Contract or the Minimum Death Benefit Amount, applicable for the Guarantee selected, upon the death of the Annuitant, as described in the section Guarantees ; Deposit or Deposits means the gross premium, which is the sum of money, paid to the Company for the purpose of attributing Units to this Contract; or other amount paid or payable to this Contract. For a more detailed description, please refer to the sections Deposits, Limitations on Deposits, Limitations on Deposits for Helios2 75/75, Limitations on Deposits for Helios2 75/100 i, Limitations on Deposits for Helios2 75/100 GLWB, and Guarantees ; Desjardins Financial Security Guaranteed Investment Funds Plan or Plan means the Desjardins Financial Security Guaranteed Investment Funds Plan and includes the present Helios2 Contract; Fee Option means the option chosen by you within Series 6 or 7 being a choice of no load (Series 6A or Series 7A), low load sales charge (Series 6B) or deferred sales charge (Series 6C) as described in the section titled Charges and Fees ; Fund or Funds means any Fund established by the Company under the Helios2 Contract and which is available for a specific Guarantee or benefit consisting of a specified group of assets; Guarantee or Guarantees means the Guarantee which you have chosen, being a choice of Helios2 75/75, Helios2 75/100 i or Helios2 75/100 GLWB as described in the section titled Guarantees ; Guaranteed Amount or Guaranteed Amounts means the Minimum Death Benefit Amount and the Minimum Maturity Benefit Amount of a Contract which the Company guarantees to pay to the Owner or the Beneficiary regardless of fluctuations in the market value of the Funds; Holder means for a TFSA plan, the individual who entered into the TFSA arrangement with Desjardins Financial Security and whose name appears as Holder on a TFSA application accepted by the Company. The Holder of the TFSA is also the Annuitant as described in this Contract for the purposes of calculating the Death Benefit and any applicable guarantees attached to this Contract in the event of death; Income Tax Act means the Income Tax Act (Canada) and also, where the context requires, the corresponding provincial income tax legislation; contract Contract and Information Folder October 2015 7

Inflation Rate means for the purpose of calculating the Minimum Death Benefit Amount for Helios2 75/100 i, the amount by which we annually adjust the amount of your Deposit for inflation on a compound basis. The Inflation Rate is equal to the change in percentage of the Canadian Consumer Price Index (CPI) as reported by Statistics Canada for the prior one-year period ending November 30th. The Inflation Rate is subject to a maximum of 5% and a minimum of 0%. See the Guarantees section for more information; Management Fee means the fees charged to a Fund and which includes the Management Fees charged by the Company and any underlying fund(s) as described in the section Charges and Fees. There is no duplication of Management Fees charged by the Company; Market Day means a day when the Toronto Stock Exchange is open for business; Maturity Benefit means the greater of the value of the Units attributed to this Contract on the day the Annuitant attains age 105 or the Minimum Maturity Benefit Amount applicable for the Guarantee selected as described in the section Guarantees ; Minimum Death Benefit Amount means the amount we calculate for purposes of determining the death benefits under Helios2 75/75, Helios2 75/100 i or Helios2 75/100 GLWB as described in the section titled Guarantees ; Minimum Maturity Benefit Amount means the amount we calculate for purposes of determining the maturity benefits under Helios2 75/75, Helios2 75/100 i or Helios2 75/100 GLWB as described in the section titled Guarantees ; Notice or Notification means any written communication by us to you; Owner means a person or legal entity whose name appears as Owner or Co-Owner in the Owner section of the contract application, which has been accepted by the Company and is a party to the Desjardins Financial Security Guaranteed Investment Funds Plan Helios2 Contract. The Owner will receive the benefits of the annuity unless a third party is designated by the Owner to receive such benefits. Also the Holder, you and your refer to the Owner of this Contract under the Desjardins Financial Security Guaranteed Investment Funds Plan; Spouse or Common-Law Partner means any person who is recognized as a spouse or common-law partner under the Income Tax Act; Survivor means the spouse on common-law partner immediately before the Holder s death; Unit or Units mean the notional Units of any Fund established by the Company under the Desjardins Financial Security Guaranteed Investment Funds Plan. Series 6 and 7 are the only Series of Funds offered under this Contract; and Valuation Date unless otherwise provided herein, the Valuation Date of a transaction is the day the transaction arises if this occurs at or before the Cut-Off Time on a Market Day. If the transaction arises on a non-market Day or after the Cut-Off Time on a Market Day, the Valuation Date for the transaction will be the next following Market Day. Notice and Instructions You must send us clear and unambiguous written instructions for any transaction or change you wish to make and you must sign them. All instructions will become effective upon receipt and once the Company has accepted your instructions. You may contact us at Desjardins Financial Security Guaranteed Investment Funds Administration, 1 Complexe Desjardins, P.O. Box 9000, Montreal, Quebec, H5B 1H5. If you have any questions, please call 1-888-729-3422. When required by this Contract or by law, the Company will send you a Notice at the most recent address we have on file. Please advise us of any change in your address. In some cases, where your Contract is held externally in a nominee or an intermediary account, correspondence may be directed to a third party based on the authorization you have given to the third party and where that authorization is acceptable to us. Please note that for certain transactions, we may require proof of age of the Annuitant and/or medical evidence of health. Registered Plan means a RRIF (including a LIF approved under applicable pension legislation), a RRSP (including a locked-in retirement account approved under applicable pension legislation), a TFSA, or any other plan, account or fund accepted for registration under and governed by sections 146, 146.2 or 146.3 of the Income Tax Act and offered by the Company; Series means either our base fee structure (Series 6) or the fee structure tailored for Owners with a higher level of capital to invest (Series 7) and that can only be selected once when the Contract comes into force; 8 Contract and Information Folder October 2015

List of Funds Investment Solutions: DFS GIF Conservative* DFS GIF Moderate* DFS GIF Balanced* DFS GIF Growth* DFS GIF Maximum Growth Individual Funds: Income DFS GIF Money Market* DFS GIF Income Fiera Capital* DFS GIF Canadian Bond* Balanced and Asset Allocation DFS GIF Diversified Income Franklin Quotential* DFS GIF Balanced Income Franklin Quotential* DFS GIF Canadian Balanced Fidelity DFS GIF U.S. Monthly Income Fidelity DFS GIF Balanced Desjardins SocieTerra* DFS GIF Global Balanced Jarislowsky Fraser* DFS GIF Canadian Balanced Fiera Capital* DFS GIF Canadian Balanced Franklin Bissett* DFS GIF Balanced Growth Franklin Quotential* DFS GIF Canadian Balanced CI Signature* DFS GIF Income and Growth CI Signature* DFS GIF Growth and Income NEI Northwest* DFS GIF Global Growth NEI Select* DFS GIF Canadian Asset Allocation CI Cambridge DFS GIF Growth Franklin Quotential Canadian Equity DFS GIF Dividend Income Franklin Bissett DFS GIF Canadian Dividend NEI Northwest DFS GIF Canadian Equity Jarislowsky Fraser DFS GIF Canadian Equity Fidelity True North DFS GIF Canadian Equity Franklin Bissett DFS GIF Canadian Equity Fiera Capital DFS GIF Specialty Equity NEI Northwest DFS GIF Small Cap Franklin Bissett Foreign Equity DFS GIF American Equity MFS DFS GIF American Equity Value Desjardins DFS GIF Global Dividend Desjardins DFS GIF Global Equity MFS DFS GIF International Equity MFS DFS GIF International Equity Growth Desjardins Fidelity True North is a registered trademark of FMR Corp. * Only these Funds are available with Helios2 75/100 GLWB. The Company reserves the right to add new Funds or close Funds at any time. Please refer to the section Closing of Funds, Series, Fee Options or Plans which explains your rights should we do so. You will find additional information on the Funds in the section titled Investment Policies for the Funds. Fundamental Changes As stated in both the Canadian Life and Health Insurance Guideline for Individual Variable Insurance Contracts Relating to Segregated Funds and, in Quebec, the Autorité des marchés financiers Guideline for Individual Variable Insurance Contracts Relating to Segregated Funds, the Company will give you 60 days advance Notice if we must make any of the following fundamental changes: Change in the fundamental investment objectives of the Desjardins Financial Security Guaranteed Investment Funds (DFS GIF); An increase in the total of your current guarantee fee(s) of more than the greater of 0.5% per calendar year and 50% of your total current guarantee fees; A decrease in the frequency with which a Unit of a Fund is valued; or An increase in the Management Fee (please refer to the section Charges and Fees ). Once you receive our Notification of any of these changes, you will have the right to switch (the value of your Units) to another Fund or Funds with a similar investment objective, category, same or lower Management Fees and maximum guarantee fees that has not been affected by the change. If you receive our Notification of any of these changes, you will not incur any fees resulting from these changes. In the event of a switch of the value of the Units attributed to this Contract from one Fund to another Fund, the Owner may also realize a capital gain or a capital loss upon disposition of that interest. The Guaranteed Amounts under this Contract will not change. If such a Fund or Funds is/are not available under the Guarantee you have selected, you will have the right to surrender the market value of your Units as of the effective date of the change without incurring any fees. We must receive and accept your clear written instructions to our Notification at least five days before the effective date of the change. The above rights are stated in the Canadian Life and Health Insurance Guideline for Individual Variable Insurance Contracts Relating to Segregated Funds and, in Quebec, the Autorité des marchés financiers Guideline on Individual Variable Insurance Contracts Relating to Segregated Funds. Any future change to these Guidelines will affect these rights accordingly. Once any Notice has been given, we reserve the right to refuse any and all new Deposits or switches into the Fund(s) affected. Our Agreement with You The terms of this Contract allow for various transactions to occur. These transactions may be initiated by you, the Company or to comply with law. All of the terms of the agreement between the Company and the Owner are in this Contract, including both Annexes and the application and any amendments or riders attached to these documents. contract Contract and Information Folder October 2015 9

Should the Company be required to make future modifications to this Contract, we reserve the right to do so by sending you a Notice at the most recent address we have on file. Please advise us of any change in your address. In some cases, where your Contract is held externally in a nominee or an intermediary account, correspondence may be directed to a third party based on the authorization you have given to the third party and where that authorization is acceptable to us. Only the Company s Chief Executive Officer, President and Chief Operating Officer, General Manager Life and Health Insurance, Senior Vice-President Individual Insurance and Savings, Corporate Secretary or Assistant Corporate Secretary or any person of equivalent title may make modifications to this Contract on behalf of the Company. While the Company may from time to time choose to not enforce all of its rights under this Contract, this does not mean that by doing so, that we are waiving any of these rights. We will always retain the right to enforce the terms of this Contract. Section headings and reference citations appearing in this Contract are for convenience only and are not to be considered as an aid to interpretation. When changes are made in applicable legislation or regulation, this agreement shall be deemed to be amended to comply with such change in the applicable legislation. Additional Information for residents of Alberta and British Columbia Every action or proceeding against an insurer for the recovery of insurance money payable under this Contract is absolutely barred unless commenced within the time set out in the Insurance Act (Alberta Insurance Act s.643(2)(g); British Columbia Insurance Act s.33(2)(g)). Changing your Mind If you change your mind about purchasing this Contract, you must notify us in writing within two business days of the earlier of receiving confirmation of your purchase or five business days after the confirmation has been mailed. By doing so, you will be refunded the lesser of the amount of your Deposit or its value, if it has gone down. The amount returned will include a refund of any fees you paid. You can also change your mind about specific subsequent purchases that you make. You must notify us in writing within two business days of the earlier of receiving confirmation of your purchase or five business days after the confirmation has been mailed. In this case, the right to rescind will only apply to that specific purchase. The amount returned will be the lesser of the amount of that Deposit or the market value on the Valuation Date no later than the business day following the business day we receive your rescission request, plus a refund of any fees you paid for this specific purchase. Fund Facts Certain parts of the Fund Facts section are considered part of this Contract. These sections are: Item 1 (Company Name, Contract Name, Fund Name) Item 2 (Quick Facts) Item 5 (How risky is it?) Item 8 (How much does it cost?) Item 9 (What if I change my mind?) The Fund Facts section complies with Guideline G2: Individual Variable Insurance Contracts Relating to Segregated Funds and, in Quebec, the Autorité des marchés financiers Guideline on Individual Variable Insurance Contracts Relating to Segregated Funds and is accurate at the time of printing. Any errors within the Fund Facts section will be remedied by the insurer with measures to correct the error but will not entitle the Owner to specific performance by the Funds under this Contract. The value of the Units in a Fund attributed to this Contract will fluctuate with the market value of the assets in the Fund and, therefore, cannot be guaranteed, other than as described in the Guarantees section. Deposits How to make a Deposit The Company allows you to make your Deposits as follows: In a lump sum amount at any time; or In accordance with a pre-authorized debit (PAD) agreement. If this Contract is registered as an RRSP, you will also receive a tax receipt each calendar year you make a new Deposit to this Contract that meets the requirement of the Income Tax Act. Choices for Allocation of Deposits This Contract offers two Series of Units in the Funds, Series 6 is our base fee structure and Series 7 is the fee structure tailored for Owners with a higher level of capital to invest. Please read this section carefully to determine which Series you qualify for and which best meets your needs. Series 6 for all Contracts Series 7 for Contracts with an initial Deposit of $250,000 or more For Series 6, there are three Fee Options available: no load (Series 6A) whereby no surrender charges will apply if you decide to make a partial or total surrender of any Units of any Fund allocated to your Contract, regardless of the age of the Units and low load sales charge (Series 6B) or deferred sales charge (Series 6C) whereby in the event of a total or partial surrender of this Contract, depending on the amount of time since the Units were first attributed to this Contract, you may have to pay surrender charges. The Fee Option must be selected at the time of Deposit and it cannot be changed by you for the entire life of the Contract. However, it is possible to own Units under the Series 6A Fee Option, the Series 6B Fee 10 Contract and Information Folder October 2015

Option, and the Series 6C Fee Option within the same Contract. In this Contract, when we refer to Series 6A, Series 6B or Series 6C, we mean the no load, low load sales charge or deferred sales charge (respectively) Fee Options within Series 6. For Series 7, there is currently only one Fee Option available: no load (Series 7A). Under the Series 7A Fee Option, no surrender charges will apply if you later decide to make a partial or total surrender of any Units of any Fund allocated to your Contract, regardless of the age of the Units. In this Contract, when we refer to Series 7A, we mean the no load Fee Option within Series 7. Within a Contract, only one Series and one Guarantee may be selected. They must be selected when your Contract comes into force and neither can subsequently be changed by you for the entire life of the Contract. For Series 7, the Company reserves the right in its absolute discretion to change the Series applicable to this Contract if, in the Company s opinion, withdrawals are performed in order to circumvent minimum Deposit limitations. Each Deposit will be allocated to Units in the selected Series and Fee Option of the Fund or Funds you choose in accordance with your written notification at the time of Deposit. When you are making Deposits under a PAD agreement, these Deposits will be allocated to the Units in the Series and Fee Option(s) of the Fund or Funds applicable to this Contract at the time the Deposit is scheduled to be made. Should you wish to change these investment instructions, you must notify us in writing that you wish to change these instructions for new Deposits. Deposits and Attribution of Units A Deposit shall be considered to have been paid on the Valuation Date once the Company has approved and accepted the Deposit. The section titled Charges and Fees describes the applicable charges for the Fund(s), Series and Fee Option(s) you have selected. The section Value of the Funds and the Units describes the valuation of Units and explains the meaning of net asset value per Unit. You will find the meanings of Cut-Off Time, Fund and Market Day in the Glossary. Limitations on Deposits Deposits over $1,000,000 must be approved in advance by the Company. The Company reserves the right in its absolute discretion to refuse any Deposit regardless of the amount with or without prior Notification, or may impose additional requirements on Deposits. Should you wish to make any additional lump sum Deposits, these Deposits must be in the amount of $500 or greater. There are additional limitations on initial Deposits, depending on the Series, Fee Option and Guarantee you select. These limitations are described fully in the section specific to each of the Guarantees. Please see the section about the Guarantee you wish to select. Pre-Authorized Debit (PAD) Agreement You may choose to enter into a pre-authorized debit (PAD) agreement so that you have scheduled deductions made from your personal bank account. Although the PAD agreement offers you an opportunity to make regular investments, there is no obligation to do so and further Deposits are completely voluntary. If you are making Deposits to your Contract through a PAD agreement, these Deposits cannot be less than $100 per month and a minimum of $25 must be scheduled per Fund. For example, if you set up a PAD agreement for $100 per month, this amount must be allocated towards Units of no more than four different Funds. A minimum $25 scheduled Deposit per Fund can be set up in your PAD agreement at all times. More information specific to PAD agreements for each of the Guarantees can be found in the Guarantees section. Units of a Fund Units of a Fund are attributed to individual Contracts for the purpose of determining the value of the benefits under those Contracts. You acquire no direct claim on the Units or assets of a Fund or any underlying fund by purchasing this Contract. However, you do acquire the benefits which are provided under this Contract. The assets of a Fund are kept separate from the other assets of the Company and are owned by the Company. Some of the Funds directly hold debt or equity securities or other assets while other Funds hold units of underlying mutual funds or pooled funds. If the Fund holds units in an underlying mutual or pooled fund, you are not an owner or unit holder of the units of the underlying fund. We attribute Units to and surrender Units from this Contract according to the Contract terms, or as provided or required by law. For any Deposit, the actual number of Units in the Fund and Fee Option to be attributed to this Contract will be calculated as follows: Deposit Net asset value per Unit as at the Cut-Off Time on that applicable Market Day contract The Company reserves the right in its absolute discretion to limit the number of contracts purchased by refusing to accept subsequent contract applications for the same contract plan type. The Company reserves the express right to treat multiple contract applications as additional Deposits to any Contract with the same Contract plan type, Guarantee, Annuitant and Beneficiary designation. Units of a Fund attributed to this Contract are designated as Series 6 or Series 7. Please refer to the section Charges and Fees for a full description of each Series and the different Fee Options available under each of the Guarantees. Contract and Information Folder October 2015 11

The Company reserves the right in its absolute discretion to change any of the underlying funds or investment vehicles at any time. In the event that such a change occurs, the Company will provide you with a Notice of this change. Value of this Contract The value of this Contract is equal, for all Funds to which your Deposits were allocated, to the total of the: Current net asset value per Unit of the Fund x Number of Units in each Fund For greater certainty, regarding the allocation of Deposits and the attribution of Units, the Company calculates the value of the Units attributed to this Contract at the Cut-Off Time on the Market Day we receive your Deposit at our place of business. The Deposit must be received on or before the Cut-Off Time on such Market Day. If the Company receives your Deposit (or other valid written notice) at our place of business on a non-market Day or after the Cut-Off Time on a Market Day, we will calculate the value of the Units attributed to this Contract as at the Cut-Off Time on the next Market Day. A Deposit shall be considered to have been paid on the Valuation Date once the Company has approved and accepted the Deposit. Any other valid written request for the attribution of Units, such as a written request to switch an investment from the Units of one Fund to the Units of another Fund is processed in the same way. The Company will provide to you the following information at least once per calendar year: The number of Units in each Fund which is attributed to this Contract, the value of the Units in the Funds to which your Deposits are allocated and the number of Units surrendered from this Contract; The current Management Fees as a percentage of the net assets of the Funds and other expenses; The MER; The Guarantee chosen by you under this Contract; The amount, if any, allocated under this Contract to a Fund or Funds during the statement period; and The overall rate of return of each Fund in several formats. The current Management Fees, the MER and the overall rate of return for each Fund are included in the financial statements. You can request the audited annual financial statements as well as the unaudited semi-annual financial statements for each Fund from us at 1 Complexe Desjardins, P.O. Box 9000, Montreal, Quebec, H5B 1H5 or by calling 1-888-729-3422. You may also obtain both the annual and semi-annual financial statements from our website at desjardinslifeinsurance.com. Please refer to the provisions under the section titled Value of the Funds and the Units in this document. The value of the Units in a Fund attributed to this Contract will fluctuate with the market value of the assets in the Fund and, therefore, cannot be guaranteed, other than as described in the Guarantees section. Fund Switch Privilege Within the same Fee Option, Series and Guarantee, you have the right to switch the value of all or part of the Units attributed to this Contract from one Fund to another Fund, free of any charge or fee and without affecting your guarantees or your annual waiver on surrender charges applicable to Units under the Series 6B or Series 6C Fee Options. We reserve the right to limit the number of switches made to four (4) per calendar year. The Company reserves the right to restrict one or more Fund(s) under any or all of the Guarantees, with or without prior Notification. Should we decide to restrict one or more Fund(s) for a particular Guarantee, the Company will not allow any switches into the restricted Fund or Funds and you may not allocate further Deposits to the restricted Fund or Funds after the date of the restriction. The value of the switch is determined using the net asset value per Unit as at the next valuation of the Units following written notification to the Company of your switch request. A switch is achieved by withdrawing Units attributed to this Contract in the Fund from which the switch is to be made and using the value calculated by us for the purpose of attributing to this Contract Units of the Fund to which the switch is to be made. Please refer to the sections titled Value of this Contract, and Value of the Funds and the Units which explain in detail the valuation of Units attributed to or surrendered from this Contract when a switch is made. In the case of partial switches, the amount switched must be at least $500 and the exercise of the switch privilege is subject to your keeping at least a $500 value of the Units in each Fee Option of each Fund selected by you, from which amounts are to be surrendered or to which Deposits are to be allocated. If less than the specified minimum balance of Units would otherwise remain in any Fund, then all Units in that Fund must be switched as per our Administrative Rules in effect at that time. If you ask to switch the value of the Units attributed to this Contract from one Fund available under Helios2 75/100 GLWB to another Fund that is not available under Helios2 75/100 GLWB, this switch request will not be accepted by the Company. 12 Contract and Information Folder October 2015

In the event of a switch of the value of the Units attributed to this Contract from one Fund to another Fund, the Owner may also realize a capital gain or a capital loss upon disposition of that interest. Please refer to the section titled Income Allocations for Tax Purposes in this document. In all cases, the Company shall not be held responsible for any unwanted tax consequences by the Owner(s) or the Beneficiary(ies) resulting from a switch of Units. The value of the Units surrendered from a Fund as a result of a switch will fluctuate with the market value of the assets in the Fund and, therefore cannot be guaranteed, other than as described in the Guarantees section. Surrenders and Withdrawals General Information You may make total or partial surrenders of this Contract at any time by surrendering the value of the Units attributed to this Contract. In the case of partial surrenders, you must direct from which Fee Option and Funds the value of the Units attributed to this Contract are to be surrendered. We will first surrender the Units that were first attributed to the Fee Option and Fund of this Contract from which you are requesting the surrender. The value of the Units surrendered from this Contract upon total or partial surrender will be calculated at the next valuation of the Units of a particular Fund following your request for a total or partial surrender, according to the provisions of this Contract. Please refer to the section titled Value of the Funds and the Units. A total or partial surrender will affect the Guaranteed Amounts under this Contract. It will reduce the Guaranteed Amounts in proportion to the market value of the Units surrendered from this Contract. contract For the Maturity Benefit, a total or partial surrender will reduce the guarantee in proportion to the market value of the Units surrendered and the Minimum Maturity Benefit Amount will be recalculated using the following formula: Minimum Maturity Benefit Amount Before the Surrender X ( 1 Surrender Market Value of the Units attributed to this Contract Before the Surrender ) For the Death Benefit, a total or partial surrender will reduce the guarantee in proportion to the market value of the Units surrendered and the Minimum Death Benefit Amount will be recalculated using the following formula: Minimum Death Benefit Amount Before the Surrender X ( 1 Surrender Market Value of the Units attributed to this Contract Before the Surrender ) You may find more information about the manner this will be done and examples in the section titled Guarantees. For Helios2 75/100 GLWB, if you make a total or partial surrender in excess of the GLWB Maximum Amount (as defined in the Guarantees section) called a GLWB Excess Withdrawal (as defined in the Guarantees section), this will reduce your GLWB Protected Value (as defined in the Guarantees section) and your GLWB Bonus Base (as defined in the Guarantees section) in proportion to the market value of the Units attributed to this Contract which are surrendered using the following formula: GLWB Bonus Base or GLWB Protected Value Before the GLWB Excess Withdrawal X ( 1 GLWB Excess Withdrawal ) Market Value of the Units attributed to this Contract before the GLWB Excess Withdrawal You may find more information about the manner this will be done in the section titled Guarantees. Contract and Information Folder October 2015 13

If you make a total or partial surrender of this Contract, you may also realize a capital gain or a capital loss upon the disposition of that interest. More information about this can be found in the section titled Income Allocations for Tax Purposes in this document. A description of the charges applicable at the time of total or partial surrender of this Contract can be found in the section titled Charges and Fees. The value of the Units in a Fund attributed to this Contract to be surrendered in the event of a total or partial surrender of this Contract will fluctuate with the market value of the assets in the Fund and therefore, cannot be guaranteed, other than as described in the Guarantees section. To request a total or partial surrender of this Contract, you must send us written notification and if applicable, this notification must also be signed by your irrevocable Beneficiary. Limitations on Surrenders According to our Administrative Rules, we will only process requests that are properly authorized and which clearly state what should be redeemed. Otherwise the request will be returned to your distributor unprocessed. A partial surrender of the Contract cannot be less than $500. Following a partial surrender of your Contract, the value of the remaining Units attributed to your Contract must be at least $1,000. This value will be determined at the Valuation Date that follows your request for a partial surrender. The Company reserves the right to terminate any Contract that does not meet the above requirement. In the case of Helios2 75/100 GLWB, following a partial surrender of your Contract you must maintain a GLWB Protected Value (as defined in the Guarantees section) of at least $25,000. The Company reserves the right to terminate any Contract that does not meet the above requirement. A total surrender terminates this Contract. We may decide to suspend the surrender rights at our sole discretion for any period when normal trading is suspended on any stock exchange in or outside Canada where securities in the investment portfolio of a Fund are traded. We will not accept any application of the purchase of this Contract, or a Deposit to this Contract during this period. At our sole discretion, we may also suspend these surrender rights when the manager of an underlying fund has suspended redemption rights or placed any restriction on the fund that affect the Company s ability to convert our units in the underlying fund to cash. Any requests received by the Company during the period when surrender rights have been suspended will be returned to your distributor unprocessed and you must make a new request or ask your distributor or representative to resubmit your original request once the Company decides to lift the suspension. Systematic Withdrawal Program (including RRIFs) You may arrange for a regular withdrawal to your account at a financial institution. This withdrawal must equal at least $50 or more derived from the value of the Units surrendered from the Fee Option in each Fund to which your Deposits are allocated. You may select withdrawals either on a monthly or other basis approved by the Company. The Company will surrender a sufficient number of Units to provide you with the withdrawal amount you selected according to our Administrative Rules in effect. The Company will also deduct any applicable surrender charges, if the Units are surrendered from the Series 6B or Series 6C Fee Options and the balance will be electronically transferred to your account with a financial institution. You may suspend or stop withdrawals at any time. If the value of the surrendered Units is more than the income and net capital appreciation applicable to the Units attributed to this Contract, this will over time result in the total depletion of the value of this Contract and Guarantees. The value of the Units surrendered from this Contract under this program is determined in accordance with the provisions under the sections titled Surrenders and Withdrawals and Charges and Fees. The value of the Units surrendered from a Fund as a result of a withdrawal will fluctuate with the market value of the assets in the Fund and, therefore, cannot be guaranteed, other than as described in the Guarantees section. Short-term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. Compensation Paid The Company pays a varying amount of compensation to the distributor with whom your representative has an agreement. The compensation amount is based on the amount of your Deposit(s) to this Contract, the Series and the Fee Option you select as well as the overall value of this Contract throughout the calendar year. It is important that you discuss the compensation your representative will receive before you decide on a Fee Option and a Series. 14 Contract and Information Folder October 2015

Charges and Fees (A) Charges to the Owner The charges which currently apply to this Contract issued under the Plan and which are payable by the Owner are set out in the following section. The Company reserves the right, upon giving the Owner at least 60 days advance Notice, to increase the amount or rate of these charges or to add new charges. If you receive such a Notice, you will have the same rights under this Contract as described in the section Fundamental Changes. At the Time of Surrender In the event of a total or partial surrender of the Contract for any reason, we will first withdraw the Units that were first attributed to the particular Fee Option of the Contract from which you are requesting the surrender. If you surrender Units under the Series 6B Fee Option, you may have to pay surrender charges as listed below, depending on the amount of time since the Units were first attributed to a Contract. Series 6B Charge* During the 1 st calendar year 3.0% During the 2 nd calendar year 2.5% During the 3 rd calendar year 2.0% Thereafter 0.0% * Based upon the net asset value per Unit as at the time of surrender in respect of the Units which are surrendered. If you surrender Units under the Series 6C Fee Option, you may have to pay surrender charges as listed below, depending on the amount of time since the Units were first attributed to this Contract. WAIVER OF SURRENDER CHARGES APPLICABLE TO UNITS UNDER THE SERIES 6B OR SERIES 6C FEE OPTIONS Charges which may be otherwise payable are waived for surrenders of Units under the Series 6B or Series 6C Fee Options made during the calendar year up to a non-cumulative maximum each year of 12% of the value of the Units in each Fund attributed to this Contract which are still exposed to surrender charges (as calculated at the Cut-Off Time on the last Market Day in the immediately preceding calendar year). During the calendar year, this noncumulative maximum will be adjusted to reflect a Deposit made at any point in time, such adjustment to be made in proportion to the number of months between the date of the Deposit and the end of the calendar year. MONTHLY FEES FOR A SELECTED GUARANTEE You must select one of the three Guarantees available under this Contract. Please refer to the section titled Guarantees for more details. If you select Helios2 75/75, no additional guarantee fee will be charged since it is already included in the MER. However, if you select either Helios2 75/100 i or Helios2 75/100 GLWB, Units will be surrendered monthly from this Contract to pay the additional Guarantee fees applicable. The additional monthly guarantee fee for Helios2 75/100 i will be calculated as a percentage of the market value of each Fund attributed to this Contract as of the Cut-Off Time of the last Market Day of each month. The additional monthly guarantee fee for Helios2 75/100 GLWB will be calculated as a percentage of the GLWB Protected Value (as defined in the Guarantees section) assigned to each Fund attributed to this Contract using the following formula: contract Series 6C Charge* During the 1 st calendar year 5.5% During the 2 nd calendar year 5.0% During the 3 rd calendar year 5.0% During the 4 th calendar year 4.0% During the 5 th calendar year 4.0% During the 6 th calendar year 3.0% During the 7 th calendar year 2.0% Thereafter 0.0% * Based upon the net asset value per Unit as at the time of surrender in respect of the Units which are surrendered. The Company reserves the right in its absolute discretion to increase the applicable surrender charges under the Series 6B or Series 6C Fee Options for future Deposits. In this case, the Company will provide Notification. MV Fund x PV x GLWB fee Fund 12 x MV Where, GLWB fee Fund is the additional guarantee fee for a given Fund under Helios2 75/100 GLWB; MV is the total market value of the Units attributed to this Contract as of the Cut-Off Time of the last Market Day of the month; MV Fund is the market value of the Units attributed to this Contract of a given Fund as of the Cut-Off Time of the last Market Day of the month; PV is the GLWB Protected Value of the Contract as of the Cut- Off Time of the last Market Day of the month, and; For example, if your GLWB Protected Value is equal to $100,000 and the market value of your Units is $120,000; $30,000 in Fund A with an additional guarantee fee for Helios2 75/100 GLWB of 1.2% and $90,000 in Fund B with an additional guarantee fee for Helios2 75/100 GLWB of 0.8%, for the current month, the additional guarantee fee will be: Contract and Information Folder October 2015 15

(A) $25 for Fund A [($30,000 x $100,000 x 1.2%) / (12 x $120,000)], and; (B) $50 for Fund B [($90,000 x $100,000 x 0.8%) / (12 x $120,000)]. Any amount surrendered to pay for the additional guarantee fees will not affect the Guaranteed Amounts, nor if you selected Helios2 75/100 GLWB, the GLWB Protected Value (as defined in the Guarantees section) or the GLWB Bonus Base (as defined in the Guarantees section), nor will it be used to reduce the amount of free surrenders available to you within the calendar year. Furthermore, under Helios2 75/100 GLWB, the amount surrendered will not be taken into consideration in the calculation of your GLWB Eligible Withdrawal. Please refer to the Guarantees section for further information. The Guarantee fees can be increased at the Company s discretion. If the Company raises the total cost of the Guarantees fees paid by you and the Fund above the greater of 0.5% per calendar year and 50% of the total current Guarantee fee, you will be given 60 days advance Notice. You will also have the right to surrender the Fund(s) as described in the section Fundamental Changes. For the monthly additional Guarantee fee, Units are surrendered according to the Administrative Rules of the Company, prior to any other transaction being processed, on the last Market Day of the month. (B) Charges to the Funds All the charges described in this section, which are levied against a Fund in each case, shall be calculated and accrued on a daily basis and shall be paid monthly from the net assets of the Fund. The Company hereby reserves the right in its absolute discretion, without giving Notice, to change from time to time the frequency with which such charges are calculated and deducted without adjusting the timing of the net asset value calculation. Amounts recovered in respect of charges are paid to the general funds of the Company. Charges and other expenses deducted from a Fund will reduce the market value of the assets of the Fund and, consequently, will reduce the net asset value per Unit of the Fund. MANAGEMENT FEES The Company charges Management Fees which are based on a percentage of the assets in each Fund. The Management Fee is calculated and accrued on a daily basis and is paid monthly. The calculation of the day s Management Fee is: Management Fees vary from Fund to Fund. The Management Fees include all management fees charged by the Company and by the underlying fund, where applicable. There is no duplication of fees charged by the Company. MER (MANAGEMENT EXPENSE RATIO) In addition to the Management Fees described above, each Fund is responsible for all applicable taxes relating to its operations. A charge is also applied to each Fund for all operating and administrative expenses relating to the Fund. These include, but not limited to: legal, audit and custodial fees; bank service charges; interest charges; operating and administrative costs; costs related to the establishment, administration and maintenance of Contracts; costs of financial and other reports and disclosure documents required to comply with laws regulating the sale of annuity contracts; costs of protecting the assets of the Fund and enforcing all legal rights related thereto; and all other expenses incurred in the ordinary course of business relating to the management and operation of the Fund. The sum of the Management Fees, applicable taxes, the cost of providing your selected Guarantee that is not included in the additional Guarantee fee and the cost of operating and administrative expenses, expressed as an annual percentage is referred to as the MER. The MER does not include any fees and charges paid directly by the Owner. The table on the next page shows the current Management Fee and the current MER for each Fund and the current guarantee fee for all Guarantees. All figures are presented on an annual basis and include any fees and expenses charged by the underlying funds where applicable. Where, from time to time, a Fund holds any part of its assets in exchange traded funds, index participation units or similar securities, as discussed in the heading titled Investment Policies for All Funds, any expenses for such securities, and which are included in the market price of such securities are not included in the Management Expense Ratio (MER) of the principal Fund. net asset value of the Units in each Fund X annual percentages listed in the table on page 17 365 16 Contract and Information Folder October 2015

Fund Name INVESTMENT SOLUTIONS Series 6 MER Series 6 Management Fee Series 7 MER Series 7 Management Fee Current Helios2 75/75 fee (included in the MER) Current Helios2 75/100 i additional guarantee fee Current Helios2 75/100 GLWB additional guarantee fee DFS GIF Conservative 2.49% 1.95% 2.01% 1.50% 0.05% 0.50% 0.80% DFS GIF Moderate 2.51% 2.00% 1.90% 1.55% 0.05% 0.55% 0.90% DFS GIF Balanced 2.57% 2.00% 2.13% 1.55% 0.10% 0.70% 0.90% DFS GIF Growth 2.68% 2.05% 2.18% 1.60% 0.10% 0.70% 1.15% DFS GIF Maximum Growth 2.71% 2.05% 2.24% 1.60% 0.15% 0.70% n/a INDIVIDUAL FUNDS Income DFS GIF Money Market 1.10% 0.80% 0.63% 0.35% 0.00% 0.25% 0.25% DFS GIF Income Fiera Capital 1.79% 1.35% 1.31% 0.90% 0.05% 0.35% 0.45% DFS GIF Canadian Bond 1.75% 1.35% 1.32% 0.90% 0.05% 0.35% 0.45% Balanced and Asset Allocation DFS GIF Diversified Income Franklin Quotential 2.68% 2.20% 2.27% 1.75% 0.05% 0.65% 0.90% DFS GIF Balanced Income Franklin Quotential 2.75% 2.15% 2.30% 1.70% 0.10% 0.65% 0.95% DFS GIF Canadian Balanced Fidelity 2.82% 2.20% 2.34% 1.75% 0.10% 0.70% n/a DFS GIF U.S. Monthly Income Fidelity 2.93% 2.30% 2.42% 1.85% 0.10% 0.70% n/a DFS GIF Balanced Desjardins SocieTerra 2.74% 2.15% 2.30% 1.70% 0.10% 0.65% 1.10% DFS GIF Global Balanced Jarislowsky Fraser 2.59% 2.10% 2.24% 1.65% 0.10% 0.65% 1.10% DFS GIF Canadian Balanced Fiera Capital 2.59% 2.00% 2.12% 1.55% 0.10% 0.65% 1.15% DFS GIF Canadian Balanced Franklin Bissett 2.59% 2.00% 2.10% 1.55% 0.15% 0.60% 1.10% DFS GIF Balanced Growth Franklin Quotential 2.79% 2.15% 2.36% 1.70% 0.15% 0.65% 1.20% DFS GIF Canadian Balanced CI Signature 2.78% 2.15% 2.34% 1.70% 0.15% 0.70% 1.35% DFS GIF Income and Growth CI Signature 2.85% 2.20% 2.32% 1.75% 0.20% 0.70% 1.40% DFS GIF Growth and Income NEI Northwest 2.87% 2.20% 2.41% 1.75% 0.15% 0.70% 1.35% DFS GIF Global Growth NEI Select 2.98% 2.30% 2.59% 1.85% 0.20% 0.75% 1.45% DFS GIF Canadian Asset Allocation CI Cambridge 2.68% 2.05% 2.30% 1.60% 0.20% 0.70% n/a DFS GIF Growth Franklin Quotential 2.92% 2.20% 2.47% 1.75% 0.20% 0.70% n/a Canadian Equity DFS GIF Dividend Income Franklin Bissett 2.70% 2.15% 2.13% 1.70% 0.10% 0.70% n/a DFS GIF Canadian Dividend NEI Northwest 2.85% 2.15% 2.41% 1.70% 0.20% 0.70% n/a DFS GIF Canadian Equity Jarislowsky Fraser 2.87% 2.10% 2.36% 1.65% 0.25% 0.85% n/a DFS GIF Canadian Equity Fidelity True North 3.05% 2.25% 2.58% 1.80% 0.25% 0.85% n/a DFS GIF Canadian Equity Franklin Bissett 2.79% 2.10% 2.41% 1.65% 0.25% 0.80% n/a DFS GIF Canadian Equity Fiera Capital 2.67% 1.95% 2.24% 1.50% 0.25% 0.85% n/a DFS GIF Specialty Equity NEI Northwest 3.21% 2.40% 2.76% 1.95% 0.25% 0.80% n/a DFS GIF Small Cap Franklin Bissett 3.12% 2.40% 2.56% 1.95% 0.25% 0.80% n/a Foreign Equity DFS GIF American Equity MFS 2.88% 2.15% 2.47% 1.70% 0.25% 0.75% n/a DFS GIF American Equity Value Desjardins 2.79% 2.10% 2.25% 1.65% 0.25% 0.80% n/a DFS GIF Global Dividend Desjardins 2.83% 2.20% 2.47% 1.75% 0.20% 0.75% n/a DFS GIF Global Equity MFS 2.95% 2.25% 2.53% 1.80% 0.20% 0.80% n/a DFS GIF International Equity MFS 3.05% 2.25% 2.59% 1.80% 0.25% 0.80% n/a DFS GIF International Equity Growth Desjardins 2.92% 2.20% 2.53% 1.75% 0.25% 0.80% n/a Fidelity True North is a registered trademark of FMR Corp. Contract and Information Folder October 2015 17

Desjardins Financial Security Guaranteed Investment Funds Curve 27 DFS GIF Maximum Growth 19 11 6 5 DFS GIF Growth DFS GIF Balanced DFS GIF Moderate DFS GIF Conservative Return 34 35 36 33 32 DFS GIF International Equity MFS 31 DFS GIF Canadian Equity Fidelity True North 30 DFS GIF Canadian Equity Jarislowsky Fraser 29 DFS GIF Global Equity MFS 28 DFS GIF Global Dividend Desjardins 26 DFS GIF American Equity Desjardins 25 DFS GIF American Equity MFS 24 DFS GIF Canadian Dividend NEI Northwest 23 DFS GIF Growth Franklin Quotential 22 DFS GIF Canadian Asset Allocation CI Cambridge 21 DFS GIF Global Growth NEI Select 20 DFS GIF Dividend Income Franklin Bissett 18 DFS GIF Growth and Income NEI Northwest 17 DFS GIF Income and Growth CI Signature 16 DFS GIF Canadian Balanced CI Signature 15 DFS GIF Balanced Growth Franklin Quotential 14 DFS GIF Canadian Balanced Franklin Bissett 13 DFS GIF Canadian Balanced Fiera Capital 12 DFS GIF Global Balanced Jarislowsky Fraser 10 DFS GIF Balanced Desjardins SocieTerra 9 8 7 4 3 2 1 DFS GIF U.S. Monthly Income Fidelity DFS GIF Canadian Balanced Fidelity DFS GIF Balanced Income Franklin Quotential DFS GIF Diversified Income Franklin Quotential DFS GIF Canadian Bond DFS GIF Income Fiera Capital DFS GIF Money Market DFS GIF International Equity Growth Desjardins DFS GIF Canadian Equity Franklin Bissett Small Cap Franklin Bissett Specialty Equity NEI Northwest DFS GIF Canadian Equity Fiera Capital 37 Only these Funds are available with Helios2 75/100 GLWB Risk Income Balanced and Asset Allocation Canadian Equity Foreign Equity Investment Solutions 18 Contract and Information Folder October 2015

Guarantees The value of this Contract is not guaranteed except as described in this section. The Company reserves the right in its absolute discretion to add a new Guarantee and to make changes to or close an existing Guarantee. The Company will provide Notice of such a change. If the Company has received written notification and applied your selection of an existing Guarantee to this Contract at the time that Notice is mailed, you will not lose any of the guaranteed benefits associated with that Guarantee; however the Company may restrict your right to make subsequent Deposits to this Contract. When your Contract comes into force, you must choose one of the Guarantees available under this Contract; once selected, you may not change the Guarantee. Please refer to the section titled Charges and Fees for further information about the costs associated with each Guarantee. Helios2 75/75 LIMITATIONS ON DEPOSITS FOR HELIOS2 75/75 The limitations on Deposits for Helios2 75/75 are described below: Deposit Requirements Series 6 Series 7 Maximum Annuitant Age 90 for Series 6A 80 for Series 6B 90 80 for Series 6C Minimum Initial Deposit or Minimum Pre- Authorized Debit (PAD) $2,500 $100 $250,000 n/a Agreement per month RRIF and locked-in money $25,000 $250,000 Additional Deposit Minimum Lump Sum or Minimum PAD per month $500 $100 $500 $100 The initial minimum Deposit for Units under the Series 6A, Series 6B or Series 6C Fee Options is $2,500 or if you set up a PAD agreement, the initial minimum Deposit amounts with respect to Units attributed to Series 6 will be waived temporarily on the condition that the initial minimum Deposit amounts are met within a period of no greater than 24 months from the time your Contract comes into force. The Company will monitor all PAD agreements which fail to meet the initial minimum Deposit at the time the Contract comes into force to ensure that these contracts meet the initial minimum Deposit amounts stipulated within the 24 month period. The Company reserves the right to terminate your PAD agreement and your Contract and return all monies previously allocated if this requirement is not met. MATURITY BENEFIT On the day the Annuitant attains age 105, your Maturity Benefit under Helios2 75/75 will be the greater of: (A) the market value of the Units attributed to this Contract as calculated at the next valuation of the Units following the day the Annuitant attains age 105. The calculation will be made in accordance with the provisions under the headings Value of the Funds and the Units and Value of this Contract ; or (B) the Minimum Maturity Benefit Amount. The Minimum Maturity Benefit Amount is equivalent to 75% of every Deposit. However, each time you make a surrender, it will reduce the guarantee in proportion to the market value of the Units surrendered. The Minimum Maturity Benefit Amount will be recalculated using the following formula: Minimum Maturity Benefit Amount Before the Surrender X ( 1 Surrender Market Value of the Units Attributed to this Contract Before the Surrender The value of this Contract is not guaranteed and will fluctuate with the market value of the assets in the Fund or Funds in respect of which Units are attributed to this Contract from time to time. The only guarantees are those described in the Guarantees section. DEATH BENEFIT On the death of the Annuitant, the Company guarantees that the Death Benefit payable in accordance with the designation of Beneficiary will be the greater of: (A) the market value of the Units attributed to this Contract as calculated at the next valuation of the Units following receipt of written notification of the Annuitant s death. The calculation will be made in accordance with the provisions under the headings Value of the Funds and the Units and Value of this Contract ; or (B) the Minimum Death Benefit Amount. ) Contract and Information Folder October 2015 19

The Minimum Death Benefit Amount is equivalent to 75% of every Deposit. However, each time you make a surrender, it will reduce the guarantee in proportion to the market value of the Units surrendered. The Minimum Death Benefit Amount will be recalculated using the following formula: Minimum Death Benefit Amount Before the Surrender X ( 1 Surrender Market Value of the Units attributed to this Contract Before the Surrender ) EXAMPLE OF THE CALCULATION OF THE MINIMUM MATURITY BENEFIT AMOUNT AND MINIMUM DEATH BENEFIT AMOUNT AND THE IMPACT OF DEPOSITS AND SURRENDERS Minimum Maturity Benefit Amount after Transaction Date Transaction Amount Market Value before Transaction Market Value after Transaction 2015-10-01 Contract opening Initial Deposit to Helios2 75/75 $100,000 $0 $100,000 $75,000 $75,000 Minimum Death Benefit Amount after Transaction 2016-10-01 Additional Deposit $20,000 $102,000 $122,000 $90,000 $90,000 2017-10-01 Surrender $13,000 $130,000 $117,000 $81,000* $81,000* *Proportional reduction = $90,000 x (1-$13,000 /$130,000) = $81,000 Payment of the Death Benefit will terminate this Contract. The value of this Contract is not guaranteed and will fluctuate with the market value of the assets in the Fund or Funds in respect of which Units are attributed to this Contract from time to time. The only guarantees are those described in the Guarantees section. Helios2 75/100 i Where i stands for inflation protection. Helios2 75/100 i is available for an additional charge that will be redeemed as Units on the last business day of each month, according to our Administrative Rules. Please refer to the section Charges and Fees for a description of the additional guarantee fee applicable for this Guarantee and the section Income Allocations for Tax Purposes for further details on any potential tax consequences. LIMITATIONS ON DEPOSITS FOR HELIOS2 75/100 I The limitations on Deposits for Helios2 75/100 i are described as follows: Deposit Requirements Series 6 Series 7 Maximum Annuitant Age 80 80 Minimum Initial Deposit or Minimum Pre- Authorized Debit (PAD) $5,000 $100 $250,000 n/a Agreement per month RRIF and locked-in money $25,000 $250,000 Additional Deposit Minimum Lump Sum or Minimum PAD per month $500 $100 $500 $100 The initial minimum Deposit for Units under the Series 6A, Series 6B or Series 6C Fee Options is $5,000 or if you set up a PAD agreement, the initial minimum Deposit amounts with respect to Units attributed to Series 6 will be waived temporarily on the condition that the initial minimum Deposit amounts are met within a period of no greater than 24 months from the time your Contract comes into force. The Company will monitor all PAD agreements which fail to meet the initial minimum Deposit at the time the Contract comes into force to ensure that these contracts meet the initial minimum Deposit amounts stipulated within the 24 month period. The Company reserves the right to terminate your PAD agreement and your Contract and return all monies previously allocated if this requirement is not met. 20 Contract and Information Folder October 2015

MATURITY BENEFIT On the day the Annuitant attains age 105, your Maturity Benefit under Helios2 75/100 i will be the greater of: (A) the market value of the Units attributed to this Contract as calculated at the next valuation of the Units following the day the Annuitant attains age 105. The calculation will be made in accordance with the provisions under the headings Value of the Funds and the Units and Value of this Contract ; or (B) the Minimum Maturity Benefit Amount. The Minimum Maturity Benefit Amount is equivalent to 75% of every Deposit. However, each time you make a surrender, it will reduce the guarantee in proportion to the market value of the Units surrendered. The Minimum Maturity Benefit Amount will be recalculated using the following formula: Minimum Maturity Benefit Amount Before the Surrender X ( 1 Surrender Market Value of the Units attributed to this Contract Before the Surrender ) EXAMPLE OF THE EFFECT OF DEPOSITS AND SURRENDERS ON THE MINIMUM MATURITY BENEFIT AMOUNT Date Transaction Amount Market Value before Transaction Market Value after Transaction Minimum Maturity Benefit Amount after Transaction 2015-10-01 Contract opening Initial Deposit to Helios2 75/100 i $100,000 $0 $100,000 $75,000 2016-10-01 Additional Deposit $20,000 $102,000 $122,000 $90,000 contract 2017-10-01 Surrender $13,000 $130,000 $117,000 $81,000* *Proportional reduction = $90,000 x (1-$13,000 /$130,000) = $81,000 The value of this Contract is not guaranteed and will fluctuate with the market value of the assets in the Fund or Funds in respect of which Units are attributed to this Contract from time to time. The only guarantees are those described in the Guarantees section. DEATH BENEFIT On the death of the Annuitant, the Company guarantees that the Death Benefit payable in accordance with the designation of Beneficiary will be the greater of: (A) the market value of the Units attributed to this Contract as calculated at the next valuation of the Units following receipt of written notification of the Annuitant s death. The calculation will be made in accordance with the provisions under the headings Value of the Funds and the Units and Value of this Contract ; or (B) the Minimum Death Benefit Amount. The Minimum Death Benefit Amount will also be adjusted on each Contract Anniversary Date until the Annuitant attains age 75. In such a case, the Minimum Death Benefit Amount will be set equal to the greater of: (A) the current Minimum Death Benefit Amount; or (B) the market value of the Units attributed to this Contract as calculated at the next valuation of the Units following the Contract Anniversary Date; or (C) the inflation adjusted value described in the next section. The Minimum Death Benefit Amount is equivalent to 100% of every Deposit. However, each time you make a surrender, it will reduce the guarantee, in proportion to the market value of the Units attributed to this Contract surrendered. The Minimum Death Benefit Amount will be recalculated using the following formula: Minimum Death Benefit Amount Before the Surrender X ( 1 Surrender Market Value of the Units attributed to this Contract Before the Surrender DESCRIPTION OF THE INFLATION ADJUSTED VALUE The inflation adjusted value tracks the value of your Deposit adjusted for inflation. The inflation adjusted value is equivalent to 100% of every Deposit. The inflation adjusted value will also be adjusted each Contract Anniversary Date until the Annuitant attains age 75. In such a case, the inflation adjusted value of the Deposits will be multiplied by (1 + Inflation Rate). However, a total or partial surrender will reduce the inflation adjusted value in proportion to the market value of the Units surrendered. The inflation adjusted value will be recalculated using the following formula: Inflation Adjusted Value Before the Surrender X ( 1 Surrender Market Value of the Units attributed to this Contract Before the Surrender ) ) Contract and Information Folder October 2015 21

EXAMPLE OF THE EFFECT OF DEPOSITS ON THE INFLATION ADJUSTED VALUE AND MINIMUM DEATH BENEFIT AMOUNT Date Age of the Annuitant Transaction Amount Market Value before Transaction Market Value after Transaction Inflation Rate Inflation Adjusted Value after Transaction Minimum Death Benefit Amount after Transaction 2015-10-01 72 Initial Deposit to Helios2 75/100 i $100,000 $0 $100,000 n/a $100,000 $100,000 2016-02-01 73 Deposit $10,000 $101,000 $111,000 n/a $110,000 $110,000 2016-10-01 73 Contract Anniversary $0 $105,000 $105,000 3%* $113,300 $113,300 2017-06-01 74 Deposit $30,000 $107,000 $137,000 n/a $143,300 $143,300 2017-10-01 74 Contract Anniversary $0 $145,000 $145,000 1%* $144,733 $145,000 2018-10-01 75 Contract Anniversary $0 $142,000 $142,000 2%* $144,733** $145,000** * Calculated using the Inflation Rate. ** No adjustment to the Minimum Death Benefit Amount and inflation adjusted value since the Annuitant is 75 years of age. EXAMPLE OF THE EFFECT OF PROPORTIONAL WITHDRAWALS ON THE MINIMUM DEATH BENEFIT AMOUNT AND INFLATION ADJUSTED VALUE Date Age of the Annuitant Transaction Amount Market Value before Transaction Market Value after Transaction Inflation Rate Inflation Adjusted Value after Transaction Minimum Death Benefit Amount after Transaction 2015-10-01 72 Initial Deposit to Helios2 75/100 i $100,000 $0 $100,000 n/a $100,000 $100,000 2016-02-01 73 Surrender $11,000 $110,000 $99,000 n/a $90,000** $90,000** 2016-10-01 73 Contract Anniversary $0 $87,000 $87,000 3%* $92,700 $92,700 2017-06-01 74 Surrender $30,000 $90,000 $60,000 n/a $61,800*** $61,800*** * Calculated using the Inflation Rate. ** Proportional reduction = $100,000 x (1-$11,000 /$110,000) = $90,000 *** Proportional reduction = $92,700 x (1-$30,000 /$90,000) = $61,800 Payment of the Death Benefit will terminate this Contract. The value of this Contract is not guaranteed and will fluctuate with the market value of the assets in the Fund or Funds in respect of which Units are attributed to this Contract from time to time. The only guarantees are those described in the Guarantees section. Helios2 75/100 GLWB Only a selection of our Funds is offered with this Guarantee. For more information, please see the list of Funds which follows the Guaranteed Lifetime Withdrawal Benefit Definitions section of this document. This Guarantee offers a Death Benefit and a Maturity Benefit. In addition, this Guarantee protects the Owner against market downturns and permits withdrawals, during the lifetime of the Annuitant, up to a GLWB Maximum Amount per calendar year, regardless of market performance. Where GLWB stands for Guaranteed Lifetime Withdrawal Benefit. Helios2 75/100 GLWB is available for additional guarantee fees that will be redeemed as Units on the last business day of each month, according to our Administrative Rules. Please refer to the section Charges and Fees for a description of the additional guarantee fee applicable for this Guarantee and the section Income Allocations for Tax Purposes for further details on any potential tax consequences. 22 Contract and Information Folder October 2015

The Company reserves the right in its absolute discretion to change the Funds available under this Guarantee at any time without providing Notice. The Company also reserves the right to restrict the Funds available under this Guarantee at any time. The Company further reserves the right in its absolute discretion to impose additional requirements under this Guarantee, including but not limited to, changing the composition of the Funds available under this Guarantee. Once we restrict a Fund previously available under this Guarantee, we will no longer allow any switches into the restricted Fund and you may not allocate Deposits to the restricted Fund after the date of the restriction. (B) the Minimum Maturity Benefit Amount. The Minimum Maturity Benefit Amount is equivalent to 75% of every Deposit. However, each time you make a surrender, it will reduce the guarantee in proportion to the market value of the Units surrendered. The Minimum Maturity Benefit Amount will be recalculated using the following formula: Minimum Maturity Benefit Amount Before the Surrender X ( 1 Surrender Market Value of the Units attributed to this Contract Before the Surrender ) If you have previously allocated Deposits to a now restricted Fund, the value of the Units may be temporarily switched to a Fund that the Company identifies from time to time under its Administrative Rules as eligible under Helios2 75/100 GLWB until we have received your new investment instructions. However if a temporary switch occurs, the Company will provide advance Notice of this change. The value of this Contract is not guaranteed and will fluctuate with the market value of the assets in the Fund or Funds in respect of which Units are attributed to this Contract from time to time. The only guarantees are those described in the Guarantees section. contract This Guarantee may not be appropriate for Owners of LIF Contracts or other similarly locked-in Contracts. Please read the following section carefully before deciding to select this Guarantee. LIMITATIONS ON DEPOSITS FOR HELIOS2 75/100 GLWB The limitations on Deposits for Helios2 75/100 GLWB are described below: Deposit Requirements Series 6 Series 7 Maximum Annuitant Age 80 80 Minimum Initial Deposit or Minimum Pre- Authorized Debit (PAD) $25,000 n/a $250,000 n/a Agreement per month RRIF and locked-in money $25,000 $250,000 Additional Deposit Minimum Lump Sum or Minimum PAD per month $500 $100 $500 $100 MATURITY BENEFIT On the day the Annuitant attains age 105, your Maturity Benefit under Helios2 75/100 GLWB will be the greater of: (A) the market value of the Units attributed to this Contract as calculated at the next valuation of the Units following the day the Annuitant attains age 105. The calculation will be made in accordance with the provisions under the headings Value of the Funds and the Units and Value of this Contract ; or DEATH BENEFIT On the death of the Annuitant, the Company guarantees that the Death Benefit payable in accordance with the designation of Beneficiary will be the greater of: (A) the market value of the Units attributed to this Contract as calculated at the next valuation of the Units following receipt of written notification of the Annuitant s death. The calculation will be made in accordance with the provisions under the headings Value of the Funds and the Units and Value of this Contract ; or (B) the Minimum Death Benefit Amount. The Minimum Death Benefit Amount will be adjusted on every third Contract Anniversary Date until the Annuitant attains age 80. In such a case, the Minimum Death Benefit Amount will be set equal to the greater of: (A) the current Minimum Death Benefit Amount; or (B) the market value of the Units attributed to this Contract as calculated at the next valuation of the Units following the Contract Anniversary Date. The Minimum Death Benefit Amount is equivalent to 100% of every Deposit. However, each time you make a surrender, it will reduce the guarantee in proportion to the market value of the Units surrendered and the Minimum Death Benefit Amount will be recalculated using the following formula: Minimum Death Benefit Amount Before the Surrender X ( 1 Surrender Market Value of the Units attributed to this Contract Before the Surrender ) Contract and Information Folder October 2015 23

EXAMPLE OF THE EFFECT OF DEPOSITS AND SURRENDERS ON THE MINIMUM MATURITY BENEFIT AMOUNT AND THE MINIMUM DEATH BENEFIT AMOUNT Minimum Maturity Benefit Amount after Transaction Date Transaction Amount Market Value before Transaction Market Value after Transaction Contract opening 2015-10-01 Initial Deposit to $100,000 $0 $100,000 $75,000 $100,000 Helios2 75/100 GLWB Minimum Death Benefit Amount after Transaction 2016-10-01 Additional Deposit $20,000 $102,000 $122,000 $90,000 $120,000 2017-10-01 Surrender $13,000 $130,000 $117,000 $81,000* $108,000** * Proportional reduction = $90,000 x (1-$13,000 /$130,000) = $81,000 ** Proportional reduction = $120,000 x (1-$13,000 /$130,000) = $108,000 Payment of the Death Benefit will terminate this Contract. The value of this Contract is not guaranteed and will fluctuate with the market value of the assets in the Fund or Funds in respect of which Units are attributed to this Contract from time to time. The only guarantees are those described in the Guarantees section. GUARANTEED LIFETIME WITHDRAWAL BENEFIT DEFINITIONS The following definitions apply to this section: GLWB Bonus means the bonus amount that will increase your GLWB Protected Value and which is explained further in the GLWB Bonus Rate section; GLWB Bonus Base means the value used to determine the GLWB Bonus; GLWB Bonus Rate means the rate found in Annex A applicable when this Contract comes into force. Every calendar year, the GLWB Bonus Rate is recalculated. See Annex A for more information; GLWB Eligible Withdrawal means a withdrawal made after the Annuitant has attained the age of 55 years; GLWB Excess Withdrawal means (a) the amount of surrenders made from this Contract before the Annuitant has attained the age of 55 years old or (b) the amount by which the aggregate surrenders of this Contract during a calendar year exceeds the GLWB Maximum Amount for the first time or (c) if a GLWB Excess Withdrawal has previously occurred during a calendar year, the amount of any additional surrender of this Contract during such calendar year since the most recent GLWB Excess Withdrawal. A GLWB Excess Withdrawal that results in the total surrender of the Contract by the Owner will terminate this Contract; GLWB Maximum Amount means the maximum amount that the Company guarantees that you will be entitled to receive for your lifetime withdrawals; GLWB Protected Value means the value used in the determination of the GLWB Maximum Amount as calculated in the manner described in this section; and, GLWB Withdrawal Percentage means the percentage from the GLWB Withdrawal Percentage table found in Annex A applicable when this Contract comes into force. Only these Funds are available with Helios2 75/100 GLWB. Investment Solutions: DFS GIF Conservative DFS GIF Moderate DFS GIF Balanced DFS GIF Growth Individual Funds: Income DFS GIF Money Market DFS GIF Income Fiera Capital DFS GIF Canadian Bond Balanced and Asset Allocation DFS GIF Diversified Income Franklin Quotential DFS GIF Balanced Income Franklin Quotential DFS GIF Balanced Desjardins SocieTerra DFS GIF Global Balanced Jarislowsky Fraser DFS GIF Canadian Balanced Fiera Capital DFS GIF Canadian Balanced Franklin Bissett DFS GIF Balanced Growth Franklin Quotential DFS GIF Canadian Balanced CI Signature DFS GIF Income and Growth CI Signature DFS GIF Growth and Income NEI Northwest DFS GIF Global Growth NEI Select 24 Contract and Information Folder October 2015

GLWB Maximum Amount The GLWB Maximum Amount is the maximum amount that the Company guarantees you will be entitled to receive for your lifetime withdrawals. At the time of the first GLWB Eligible Withdrawal, the GLWB Maximum Amount will be equal to the GLWB Withdrawal Percentage multiplied by the GLWB Protected Value. On every January 1st following the first GLWB Eligible Withdrawal, the GLWB Maximum Amount will be recalculated in this same manner. The Company guarantees that your GLWB Maximum Amounts will continue to be available until the earliest of: (A) the day the Annuitant attains age 105*; or (B) the GLWB Protected Value of this Contract falls below $25,000 as a result of a GLWB Excess Withdrawal; or (C) the death of the Annuitant. * You may have the option to extend to an older age the availability of the GLWB Maximum Amounts described in the section Options Prior to the day the Annuitant attains age 105. In such a case, the Contract will apply with all necessary adjustments. Adjustments to the GLWB Maximum Amount If the RIF minimum applies to this Contract during any calendar year after the first GLWB Eligible Withdrawal and exceeds the GLWB Maximum Amount for that calendar year, then, the GLWB Maximum Amount for that calendar year will be increased to the RIF minimum. If the LIF maximum applies to this Contract during any calendar year and is less than the GLWB Maximum Amount for that calendar year, the GLWB Maximum Amount for that calendar year cannot exceed the LIF maximum. If you withdraw less than the GLWB Maximum Amount in any calendar year, you do not have the option to add the remainder to your GLWB Maximum Amount in any subsequent calendar year. Surrenders made prior to the Annuitant s 55th birthday will be considered GLWB Excess Withdrawals and do not qualify as GLWB Eligible Withdrawals. This also means that prior to the Annuitant s 55th birthday; the GLWB Maximum Amount will be equal to 0. GLWB Protected Value The GLWB Protected Value is used for the calculation of the GLWB Maximum Amount. The GLWB Protected Value is equivalent to 100% of every Deposit. The GLWB Protected Value will also be adjusted as follows each time an event described below occurs. (A) If you make a GLWB Excess Withdrawal during any calendar year, the GLWB Protected Value will be reduced proportionately as described below under the section GLWB Excess Withdrawals. (B) On every third Contract Anniversary Date, the GLWB Protected Value will be compared to the market value of the Units attributed to this Contract as of that applicable Valuation Date. If the market value of this Contract at that time is higher than the GLWB Protected Value, we will reset the GLWB Protected Value to the market value of the Units attributed to this Contract at that time. (C) On every December 31st, the GLWB Protected Value will be increased by the GLWB Bonus. contract EXAMPLE OF ADJUSTMENTS TO THE GLWB PROTECTED VALUE Date 2015-10-01 Transaction Contract opening Initial Deposit to Helios2 75/100 GLWB Annuitant s Age Amount Market Value before Transaction Market Value after Transaction GLWB Protected Value after Transaction 54 $100,000 $0 $100,000 $100,000 2015-11-01 Additional Deposit 54 $25,000 $102,000 $127,000 $125,000 2015-12-01 GLWB Excess Withdrawal* 54 $13,000 $130,000 $117,000 $112,500** 2015-12-31 2016-11-01 No GLWB Bonus due to surrender of Units First GLWB Eligible Withdrawal*** 54 $0 $119,000 $119,000 $112,500 55 $3,375 $120,000 $116,625 $112,500 * Annuitant is under 55 which means that any withdrawal will be a GLWB Excess Withdrawal. ** Proportional reduction = $125,000 x (1-$13,000 / $130,000) = $112,500 *** GLWB Withdrawal Percentage of 3%, for illustrative purposes only. Contract and Information Folder October 2015 25

GLWB Bonus Base The GLWB Bonus Base is used for the calculation of the GLWB Bonus. The GLWB Bonus Base is equivalent to 100% of every Deposit. The GLWB Bonus Base will also be adjusted as follows each time an event described below occurs. (A) If you make a GLWB Excess Withdrawal during any calendar year, the GLWB Bonus Base will be reduced proportionately as described below under the section GLWB Excess Withdrawals. (B) On every third Contract Anniversary Date, your GLWB Bonus Base will be compared to the market value of the Units attributed to this Contract as of that applicable Valuation Date. If the market value of this Contract at that time is higher than the GLWB Bonus Base, we will reset the GLWB Bonus Base to the market value of the Units attributed to this Contract at that time. EXAMPLE OF ADJUSTMENTS TO THE GLWB BONUS BASE Date 2015-10-01 Transaction Contract opening Initial Deposit to Helios2 75/100 GLWB Annuitant s Age Amount Market Value before Transaction Market Value after Transaction GLWB Bonus Base after Transaction 54 $75,000 $0 $75,000 $75,000 2015-11-20 Additional Deposit 54 $25,000 $76,500 $101,500 $100,000 2015-12-18 GLWB Excess Withdrawal* 54 $11,500 $115,000 $103,500 $90,000** 2016-11-01 GLWB Eligible Withdrawal 55 $2,700*** $89,000 $86,300 $90,000 2017-11-01 GLWB Eligible Withdrawal 56 $2,700*** $94,000 $91,300 $90,000 2018-10-01 Third Contract Anniversary Date 57 $0 $93,000 $93,000 $93,000 * Annuitant is under 55 which means that any withdrawal will be a GLWB Excess Withdrawal. ** Proportional reduction = $100,000 x (1 - $11,500 / $115,000) = $90,000 *** GLWB Payout Percentage of 3%, for illustrative purposes only. GLWB Bonus The GLWB Bonus is equal to the GLWB Bonus Rate multiplied by the GLWB Bonus Base as of December 31st. The GLWB Bonus for the first calendar year will be equal to zero if the Contract comes into force after December 20. The GLWB Bonus will also be equal to zero for any calendar year that you make a total or partial surrender of this Contract other than a surrender to pay additional Guarantee fees. The GLWB Bonus is added to the GLWB Protected Value and does not affect the market value of the Contract. The GLWB Bonus is not a cash bonus. 26 Contract and Information Folder October 2015

EXAMPLE OF THE GLWB BONUS APPLIED TO THE GLWB PROTECTED VALUE Date Transaction Contract opening 2015-10-01 Initial Deposit to Helios2 75/100 GLWB Annuitant s Age Amount Market Value before Transaction Market Value after Transaction GLWB Bonus Base after Transaction GLWB Bonus GLWB Protected Value after Transaction 65 $100,000 $0 $100,000 $100,000 n/a $100,000 2015-12-31 GLWB Bonus* 66 $0 $101,000 $101,000 $100,000 $3,000 $103,000 2016-12-31 GLWB Bonus* 67 $0 $95,000 $95,000 $100,000 $3,000 $106,000 2017-12-31 GLWB Bonus* 68 $0 $107,000 $107,000 $100,000 $3,000 $109,000 2018-10-01 2018-11-15 2018-12-31 Reset on third Contract Anniversary Date First GLWB Eligible Withdrawal** No GLWB Bonus because a surrender was made 68 $0 $110,000 $110,000 $110,000 n/a $110,000 69 $4,510 $114,510 $110,000 $110,000 n/a $110,000 69 $0 $116,000 $116,000 $110,000 n/a $110,000 contract * GLWB Bonus Rate of 3%, for illustrative purposes only. ** GLWB Withdrawal Percentage of 4.1%, for illustrative purposes only. GLWB Bonus Rate Every year, the GLWB Bonus Rate is recalculated. The GLWB Bonus Rate is equal to the bonus rate found in the Annex applicable to this document when this Contract comes into force. See Annex A for more information. GLWB Withdrawal Percentage The GLWB Withdrawal Percentage is based on the attained age of the Annuitant on the day that the first GLWB Eligible Withdrawal is made and is found in Annex A. Please note that any total or partial surrenders of this Contract made prior to the Annuitant s 55th birthday will be considered GLWB Excess Withdrawals. Such surrender does not set the GLWB Withdrawal Percentage. We reserve the right to restrict the use of the Spouse s age for the minimum RRIF amount. Adjustments to the GLWB Withdrawal Percentage Every third Contract Anniversary Date, the GLWB Protected Value will be compared to the market value of the Units attributed to this Contract as of that applicable Valuation Date. If the market value of the Units attributed to this Contract at that time is higher than the GLWB Protected Value, the GLWB Withdrawal Percentage will be reset, based on the new attained age of the Annuitant according to the GLWB Withdrawal Percentage found in Annex A. Contract and Information Folder October 2015 27

EXAMPLE OF ADJUSTMENTS TO THE GLWB WITHDRAWAL PERCENTAGE Date Transaction Contract opening 2015-12-01 Initial Deposit to Helios2 75/100 GLWB Annuitant s Age Amount Market Value before Transaction Market Value after Transaction GLWB Withdrawal Percentage GLWB Bonus Base after Transaction GLWB Bonus GLWB Protected Value after Transaction 67 $100,000 $0 $100,000 n/a $100,000 n/a $100,000 2015-12-31 GLWB Bonus* 67 $0 $101,000 $101,000 n/a $100,000 $3,000 $103,000 2016-12-31 GLWB Bonus* 68 $0 $105,000 $105,000 n/a $100,000 $3,000 $106,000 2017-12-31 GLWB Bonus* 69 $0 $109,000 $109,000 n/a $100,000 $3,000 $109,000 2018-02-01 2018-12-01 First GLWB Eligible Withdrawal Reset on third Contract Anniversary Date** * GLWB Bonus Rate of 3%, for illustrative purposes only. ** GLWB Withdrawal Percentage is adjusted when the GLWB Protected Value is adjusted. *** These values are for illustrative purposes only. 69 $4,469 $109,469 $105,000 4.1%*** $100,000 n/a $109,000 70 $0 $115,000 $115,000 4.6%*** $115,000 n/a $115,000 GLWB Excess Withdrawals If during any calendar year you receive a GLWB Excess Withdrawal, the GLWB Protected Value, and the GLWB Bonus Base will be reduced as follows: GLWB Protected Value immediately following the GLWB Excess Withdrawal = GLWB Protected Value immediately before the GLWB Excess Withdrawal X ( GLWB Excess Withdrawal 1 ) Market Value of the Units attributed to this Contract immediately before the GLWB Excess Withdrawal GLWB Bonus Base immediately following the GLWB Excess Withdrawal = GLWB Bonus Base immediately before the GLWB Excess Withdrawal X ( GLWB Excess Withdrawal 1 ) Market Value of the Units attributed to this Contract immediately before the GLWB Excess Withdrawal The adjustments described to the GLWB Protected Value will reduce the future years GLWB Maximum Amount. Furthermore, these surrenders will reduce the Maturity and Death Benefit guarantees under Helios2 75/100 GLWB and may also trigger surrender charges to be paid with regard to the Units surrendered. 28 Contract and Information Folder October 2015

EXAMPLE OF GLWB EXCESS WITHDRAWALS ON THE MINIMUM MATURITY BENEFIT AMOUNT, MINIMUM DEATH BENEFIT AMOUNT, GLWB PROTECTED VALUE AND GLWB BONUS BASE Date Transaction Contract opening 2015-10-01 Initial Deposit to Helios2 75/100 GLWB 2015-12-18 GLWB Excess Withdrawal* 2016-11-01 First GLWB Eligible Withdrawal 2016-11-01 GLWB Excess Withdrawal Annuitant s Age Amount * Annuitant is under 55, any withdrawal is a GLWB Excess Withdrawal. ** Proportional reduction = $75,000 x (1 - $11,500/$115,000) = $67,500 *** GLWB Payout Percentage 3%, for illustrative purposes only. **** Proportional reduction = $66,000 x (1 - $8,910/$89,100) = $59,400 Market Value before Transaction Market Value after Transaction GLWB Protected Value after Transaction GLWB Bonus Base after Transaction Minimum Death Benefit Amount after Transaction Minimum Maturity Benefit Amount after transaction 54 $75,000 $0 $75,000 $75,000 $75,000 $75,000 $56,250 54 $11,500 $115,000 $103,500 $67,500** $67,500** $67,500** $50,625 55 $2,025*** $91,125 $89,100 $67,500 $67,500 $66,000 $49,500 55 $8,910 $89,100 $80,190 $60,750 $60,750 $59,400**** $44,550 contract GLWB Eligible Withdrawals A withdrawal can be made under Helios2 75/100 GLWB up to the GLWB Maximum Amount. This is done by withdrawing Units having a market value equal to the amount of the withdrawal requested. Units will be withdrawn as per your most recent written instructions, subject to our Administrative Rules at the time of withdrawal. Such withdrawals do not reduce the GLWB Protected Value and the GLWB Bonus Base. However such withdrawals reduce the Guaranteed Amounts under Helios2 75/100 GLWB and may trigger payment of any surrender charges applicable to the Units withdrawn. The Owner can elect to receive these withdrawals in the Owner s account at a financial institution in any interval during the calendar year currently offered under this Contract. Guaranteed Payment Phase Should there be no longer any Units to be withdrawn while this Contract is still in force; the Contract is deemed to be in the guaranteed payment phase. When you have reached the guaranteed payment phase of the Contract, the following occurs: (A) Helios2 75/100 GLWB will provide payment up to the GLWB Maximum Amount for the life of the Annuitant; (B) No further Deposits can be made to the Contract; (C) No further fees will be applied to the Contract; and (D) The maturity and death benefit guarantees will be set to $0. The above provisions will remain in effect until the earliest of: (A) The day the Annuitant attains age 105; or (B) The death of the Annuitant. Options after the day the Annuitant attains age 65 The Owner may, at any time, after the Annuitant has attained the age of 65 years, elect to use the value of this Contract (calculated in accordance with the provisions under the sections Value of the Funds and the Units and Value of this Contract ) or part thereof to obtain any of the following: (A) A series of periodic withdrawals in accordance with the sub-section titled Systematic Withdrawal Program ; (B) A series of periodic annuity payments as described in the Annuity Provisions section; (C) A lump-sum from a partial or total surrender in accordance with the section titled Surrenders and Withdrawals and Charges and Fees ; or (D) A combination of the above in accordance with applicable legislation including the Income Tax Act. In which case, the Guaranteed Amounts, GLWB Protected Value (as defined in the Guarantees section) and GLWB Bonus Base (as defined in the Guarantees section) may be reduced proportionately in respect of Units withdrawn, in the manner described in the Guarantees section. Contract and Information Folder October 2015 29

The value of this Contract is not guaranteed (except for the guarantees of the Company applicable to the selected Guarantee) and will fluctuate with the market value of the assets in the Fund or Funds in respect of which Units are attributed to this Contract from time to time. Please refer to the sections titled Surrenders and Withdrawals and Charges and Fees which respectively describe the rules governing the total or partial surrender and the charges applicable at the time of surrender. At the Annuitant s 105th birthday, under Helios2 75/100 GLWB, you may opt to extend to an older age the availability of the GLWB Maximum Amount, provided you have notified us in writing 60 days before the Annuitant attains the age of 105. In such a case, the Contract will apply with all necessary adjustments. Annuity Provisions Annuity Prior to the day the Annuitant attains age 105 The Owner may at any time after the Annuitant has reached the age of 65 years, elect by written notification to utilize the value of this Contract (calculated in accordance with the provisions under the sections Value of the Funds and the Units and Value of this Contract ) or part thereof to calculate a life annuity providing annual payments per $1,000 of the value of this Contract at the time of the request using the formula: Male Female 1,000 1,000 {60 (A x 0.5)} [60 {(A 5) x 0.5}] where A is the age of the Annuitant. In both cases, the age will be determined on the date that written notification is received. Annuity on the day the Annuitant attains age 105 Unless written notification to the contrary has been received, on the day the Annuitant attains age 105, the Company will use the Maturity Benefit to provide a life annuity (guaranteed for 10 years) providing monthly payments of $92.50 per $10,000 of such value. On the day the Annuitant attains age 105, the Owner may elect by written notification to use the Maturity Benefit to obtain any type of single premium annuity policy the Company offers to the public at the rate prevailing at the time the annuity is selected, subject to the governing conditions and Administrative Rules of the Company. Except for the obligations related to the annuity payments in the present section, the establishment of an annuity will discharge our obligations under this Contract. The value of this Contract is not guaranteed (except for the guarantees of the Company applicable to the selected Guarantee) and will fluctuate with the market value of the assets in the Fund or Funds in respect of which Units are attributed to this Contract from time to time. Loan and Non-Forfeiture Options There are no loan or non-forfeiture options available under the Desjardins Financial Security Guaranteed Investment Funds Plan Helios2 Contract. Creditor Protection Your Plan is a variable annuity contract. If this Contract is held in your name, this Contract may be protected against the claims of your creditors depending on the Beneficiary named. If this Contract is held externally in a nominee or an intermediary account, it is not clear that the creditor protection will be maintained. There are limitations with respect to this protection and circumstances where the protection will not exist. You should obtain independent legal advice regarding your particular circumstances. Non-registered Contracts A non-registered Contract can be owned jointly or by a single person. Joint Owners Where a sole Annuitant has been named on the contract application, ownership of the Contract following the death of a joint Owner is as follows: A) Joint Ownership with Rights of Survivorship (except Quebec) By designating a Co-Owner, the type of ownership is deemed to qualify as joint ownership with rights of survivorship. Upon the death of the Owner or Co-Owner, provided that he/she is not the sole Annuitant, all his/her rights and obligations pursuant to this Contract will be transferred to the other. Joint Owners must be common-law partners, married spouses or civil union spouses at the time of the application. You are responsible for any income tax reporting and payments that may be required as a result of the change in ownership. If the deceased joint Owner is the Annuitant, the Contract will terminate and the Death Benefit will be paid. For more information, see the Guarantees and Income Allocations for Tax Purposes sections. B) Subrogated Owner (Quebec only) By designating a Co-Owner, the Owner and the Co-Owner are deemed to designate each other as subrogated Owners of this Contract. Upon the death of the Owner or Co-Owner, provided that he/she is not the sole Annuitant, all his/her rights and obligations pursuant to this Contract will be transferred to the other. 30 Contract and Information Folder October 2015

Joint Owners must be common-law partners, married spouses or civil union spouses at the time of the application. In such a case, the rules of representation do not apply and there is only accretion to the surviving subrogated Owner. This means that the surviving Owner becomes the sole Owner of the Contract and that no ownership is transferred to the estate of the deceased Owner. You are responsible for any income tax reporting and payments that may be required as a result of the change in ownership. If the deceased joint Owner is the Annuitant, the Contract will terminate and the Death Benefit will be paid. For more information, see the Guarantees and Income Allocations for Tax Purposes sections. Joint Annuitants Joint Annuitants are the persons upon whose life the Contract is based. The joint Annuitants are deemed to be the joint Owners (Owner and Co-Owner) mentioned on the contract application, unless a single Annuitant is named in the contract application. The Death Benefit will only be paid on the death of the last Annuitant while the Contract is in force. Contingent Owner (Subrogated Owner in Quebec) If you are the sole Owner of the Contract and you are not the Annuitant, you may name a contingent Owner (subrogated Owner in Quebec). The contingent Owner must be your common-law partner, married spouse or civil union spouse at the time of the application. You may name a contingent Owner only once for the whole duration of this Contract but you may revoke the contingent Owner at any time. In the event of your death, the contingent Owner, if living, becomes the new Owner. If you have not named a contingent Owner, or if he/she is not living on your death, then your estate will become the Owner. Registered Contracts A registered Contract must be owned by a sole Owner (an individual) which shall also be the sole Annuitant. You cannot appoint a joint Owner, a contingent Owner, a subrogated Owner or a joint Annuitant. A Contract that is held in an externally registered plan (nominee or intermediary account) is a non-registered Contract at Desjardins Financial Security Life Assurance Company. RRSPs and Other Registered Plans Based on legislation currently in force and subject to the provisions contained in the RSP or RIF or TFSA endorsement to this Contract (as the case may be), the Plan qualifies as an RRSP or a RRIF or a TFSA. The value of the Units in a Fund that are withdrawn from or attributed to this Contract as a result of a transfer between Funds is not guaranteed (except as described in the Guarantees section) and will fluctuate with the market value of the assets in the Fund. Owners who are investing in the Plan through an RRSP or other Registered Plan should enquire about the special tax rules that apply. They must ensure that they understand their particular tax circumstances and should obtain independent advice, if necessary. Investing a tax-registered Plan is one of many different ways to accumulate retirement income. While tax saving is one of the advantages of this Contract, eventually, all benefits will be added to income for tax purposes, except if your Contract is registered as a TFSA. Since registered contracts may be more suitable for long duration investment, we strongly recommend that the prospective Owner fully discuss all aspects of registration with their representative before purchasing any registered Contract. Any payments described in the endorsements below do not include any payments or obligations offered under Helios2 75/100 GLWB and these payments or obligations cannot be transferred to the spouse. RSP Endorsement This endorsement is effective if the Owner has requested that this Contract be registered in accordance with the Income Tax Act as a RRSP and the Owner is the Annuitant, as defined in the Income Tax Act, named in the application for this Contract. The terms of this endorsement will govern if any of its provisions are inconsistent with other sections of this document. Under this endorsement, this Contract is modified as follows: 1. Upon receipt of written notice, the Company shall surrender sufficient Units attributed to this Contract to reduce the amount of tax otherwise payable by the taxpayer under Part X.1 of the Income Tax Act. The payment will not exceed the value of the Units attributed to this Contract in accordance with the provisions under the sections Value of the Funds and the Units and Value of this Contract at the time the surrender is made. It is the Owner s sole responsibility to ensure that the Deposits made to an RRSP Contract do not exceed the Owner s RRSP contribution limits. If RRSP contribution limits are exceeded, the Owner will be subject to a tax penalty until the excess contribution is withdrawn. 2. The Owner must utilize the value of the Units attributed to this Contract (calculated in accordance with the provisions under the sections Value of the Funds and the Units and Value of this Contract ) to elect an annuity option, in a form permitted at the definition of retirement income in subsection 146(1) of the Income Tax Act, or to purchase a RRIF or to convert this Contract into a RIF, by the end of the year in which the Owner reaches age 71 or as specified in the applicable legislation. contract Contract and Information Folder October 2015 31

3. The annuity elected must be paid either through equal annual or more frequent periodic payments, until it is paid in full. If the annuity is partly commuted, the Owner must receive the balance either through equal annual or more frequent periodic payments. The total amount of the annuity payments made periodically within one calendar year following the death of the Owner shall never be greater than that payable prior to death. The annuity will be commuted if, after the Owner s death, it must be paid to a person other than the Owner s Spouse or Common-Law Partner. 4. If this Contract is registered as an RRSP, according to the Income Tax Act, the RRSP must be terminated no later than at the end of the calendar year in which the Owner attains the age of 71 years or as specified by applicable legislation. For the Guarantee to continue to apply, the value of the Units attributed to this Contract must be transferred to a Desjardins Financial Security Guaranteed Investment Funds Plan Helios2 RIF with the same Guarantee. In this case, the withdrawal dates for transferred Deposits remain unchanged. If the Company does not receive the Owner s written notification 60 days before December 31 of the year in which the Owner reaches age 71 or the date set by the applicable legislation, the Company will transfer the value of the Units attributed to this Contract to a Desjardins Financial Security Guaranteed Investment Funds Plan Helios2 RIF with the same Guarantee. It is the Owner s sole responsibility to elect the annuity option. 5. The Contract does not authorize a Deposit after an annuity option is selected. 6. If the Annuitant dies before an annuity option is selected, the Death Benefit, calculated according to the provisions under the applicable Guarantee and sub-heading Death Benefit, will be transferred to the Beneficiary in one lump sum payment. 7. This Contract and any annuity payable under the Contract to the Owner, the Owner s Spouse or Common-Law Partner, may not be assigned in whole or in part. 8. Before an annuity option is selected, no payment may be made under this Contract except as a refund of premiums as defined in subsection 146(1) of the Income Tax Act or a payment to the Owner. The Contract does not provide for any payment to the Owner after an annuity option is selected except in the form of retirement income as defined in subsection 146(1) of the Income Tax Act, of full or partial commutation of annuity payments or in respect of a commutation provided for in the Income Tax Act, if permitted. 9. The Company is authorized as the Owner s attorney in its discretion to amend this RSP endorsement as necessary to comply with the conditions of an RRSP. 10. We will withhold tax on amounts withdrawn by the Owner when required by the Income Tax Act. 11. The Annuitant of this Contract may only be the Owner. The definition of Annuitant in this Contract always corresponds to the definition of Annuitant as given in subsection 146(1) of the Income Tax Act. 12. In this Contract, Spouse or Common-Law Partner means any person who is recognized as a Spouse or Common-Law Partner in the Income Tax Act. RIF Endorsement This endorsement becomes effective if the Canada Revenue Agency has granted the Owner s request that this Contract be registered in accordance with the Income Tax Act as a RRIF. The terms of this endorsement will govern if any of its provisions are inconsistent with other sections of this Contract. Under this endorsement, this Contract is modified as follows: 1. During the Owner s lifetime, the Company will make payments commencing on the commencement date, as stipulated in the RIF application. 2. Total payments in any calendar year shall not be less than: a) in the calendar year in which the Plan is entered into, zero; and b) in each subsequent calendar year, the minimum amount as defined under subsection 146.3(1) of the Income Tax Act as amended from time to time. 3. The Owner may request a change in the frequency of payments to any other frequency acceptable to the Company and permitted by law. To request such a change, written notification must be received by the Company. 4. The Company will make only those payments described in paragraphs (2)d) and (2)e), the definition of retirement income fund in subsection (1), and subsections (14) and (14.1) of section 146.3 of the Income Tax Act. 5. This Contract and any payments under the Contract may not be assigned in whole or in part. 6. When the Owner dies, the Company will pay the applicable Death Benefit to the Beneficiary in one lump sum payment. 7. The Death Benefit, anytime before the day the Annuitant attains age 105, will be calculated according to the provisions under the selected Guarantee as described in the sub-heading Death Benefit in the section titled Guarantees. 8. The Owner may request to transfer all or part of the value of the Units attributed to this Contract to another RRIF by sending written notification and all the required forms to the Company. The value is then calculated as described in the sections Value of the Funds and the Units and Value of this Contract. In the event of a transfer, the minimum amount remaining for that calendar year will be paid to the Annuitant at the time of transfer. 9. Upon receipt of the Owner s written notification and completion of all prescribed forms, the Company will, in prescribed form and manner, transfer all necessary information to any carrier which has agreed to enter into a RRIF Contract with the Owner, together with part or all of the value of the Units attributed to this Contract less an amount equal to the lesser of: 32 Contract and Information Folder October 2015

a) such portion of the value of the Units attributed to this Contract sufficient to ensure that the minimum amount [as defined under subsection 146.3(1) of the Income Tax Act, as amended from time to time] will be paid to the Owner in the calendar year the transfer is made, and b) the value of the Units attributed to this Contract, as described under the section Value of this Contract. 10. The Company will not accept any Deposit under this Contract, except funds transferred from: a) an RRSP under which the Owner is the Annuitant; b) another RRIF under which the Owner is the Annuitant; c) the Owner, to the extent only that the funds are an amount described in subparagraph 60(l)(v) of the Income Tax Act; d) an RRSP or RRIF of the Owner s Spouse, or Common-Law Partner, former spouse, or former common-law partner under a decree, order or judgment of a competent tribunal, or under a written separation agreement, relating to a division of property between the Owner and the Owner s Spouse or Common-Law Partner or former Spouse or Common-Law Partner in settlement of rights arising out of, or on the breakdown of, their marriage or common-law partnership; e) a RPP under which the Owner is a member within the meaning of subsection 147.1(1) of the Income Tax Act; f) a RPP in accordance with subsection 146.3(5) or (7) of the Income Tax Act; g) a specified pension plan in circumstances to which subsection 146(21) of the Income Tax Act applies. h) a Pooled Registered Pension Plan (PRPP) in accordance with subsection 147.5(21) of the Income Tax Act. 11. The Company is authorized as the Owner s attorney in its discretion to amend this RIF Endorsement as necessary to comply with the conditions of a RRIF. 12. The Annuitant of this Contract may only be the Owner. The definition of Annuitant in this Contract always corresponds to the definition of Annuitant as given in subsection 146.3(1) of the Income Tax Act. 13. In this Contract, Spouse or Common-Law Partner means any person who is recognized as a Spouse or Common-Law Partner in the Income Tax Act. TFSA Endorsement This endorsement is effective if the Holder has requested that this Contract be registered in accordance with section 146.2 of the Income Tax Act as a Tax Free Savings Account and the Holder is the Applicant named in the application for this Contract. The terms of this endorsement will govern if any of its provisions are inconsistent with other sections of this document. Desjardins Financial Security and the Holder agree, at the time the arrangement (this Contract) is entered into, that Desjardins Financial Security will file with the Minister an election to register the arrangement as a TFSA in accordance with section 146.2 of the Income Tax Act. Under this endorsement, this Contract is modified as follows: 1. The Contract can only be maintained for the exclusive benefit of the Holder in accordance with paragraph 146.2(2)(a) of the Income Tax Act. 2. No one other than the Holder and Desjardins Financial Security may have rights under the Contract relating to the amount and timing of surrenders (distributions) and the investing of Funds in accordance with paragraph 146.2(2)(b) of the Income Tax Act. 3. No one other than the Holder can contribute to the Contract in accordance with paragraph 146.2(2)c) of the Income Tax Act. 4. Upon receipt of written notification, the Company shall surrender sufficient Units attributed to this Contract to reduce the amount of tax otherwise payable by the Holder under sections 207.02 or 207.03 of the Income Tax Act. The payment will not exceed the value of the Units attributed to this Contract in accordance with the provisions in the sections Value of the Funds and the Units and Value of this Contract at the time the surrender is made. It is the Holder s sole responsibility to ensure that the Deposits made to a TFSA Contract do not exceed the Holder s TFSA contribution limits. If TFSA contribution limits are exceeded, the Holder will be subject to a tax penalty until the excess contribution is withdrawn. 5. Upon receipt of written notification, the Company will transfer all or part of the value of the Units attributed to this Contract (calculated in accordance with the provisions under the sections Value of the Funds and the Units and Value of this Contract ) to another TFSA held by the Holder in accordance with paragraph 146.2(2)(e) of the Income Tax Act. 6. If the Holder dies, the Death Benefit, calculated according to the provisions under the applicable Guarantee and sub-heading Death Benefit, will be paid out to the Beneficiary in one lump sum payment. If the Spouse or Common-Law Partner is the Beneficiary, the Death Benefit may be designated as an exempt contribution in accordance with subsection 207.01 (1) of the Income Tax Act and transferred to another TFSA of the surviving Spouse or Common-Law Partner, regardless of whether the Survivor has available contribution room, and without reducing the Survivor s existing room, if the stipulated conditions under the Income Tax Act are respected and the prescribed form completed. It is the Survivor s sole responsibility to satisfy those requirements. 7. The Company is authorized as the Holder s attorney in its discretion to amend this TFSA endorsement as necessary to comply with the conditions of a Tax Free Savings Account in the Income Tax Act and those provided in the regulation in accordance with paragraph 146.2(2)(g) of the Income Tax Act. 8. The Owner of this Contract may only be the Holder. The definition of Holder in this Contract always corresponds to the definition of Holder as given in subsection 146.2(1) of the Income Tax Act. contract Contract and Information Folder October 2015 33

9. The Contract may be used by the Holder as a security for a loan or other indebtedness if the conditions of subsection 146.2(4) of the Income Tax Act are satisfied. 10. The Company will not annually report on tax slips any income for amounts deposited by the Holder in accordance with subsection 146.2(7) of the Income Tax Act. However, all earnings accrued between the Holder s death and the surrender of the Contract will be taxable for the beneficiaries in accordance with subsection 146.2(10) of the Income Tax Act. 11. The Holder must be at least eighteen years of age at the time the TFSA Contract is entered into in order for the TFSA to be considered a qualifying arrangement as defined in the Income Tax Act. 12. In this Contract, Spouse or Common-Law Partner means any person who is recognized as a Spouse or Common-Law Partner in the Income Tax Act. Locked-in Pension Benefits Any payments described in the endorsements below do not include any payments or obligations offered under Helios2 75/100 GLWB and these payments or obligations cannot be transferred to the spouse. RSP If the Owner has requested that this Contract be registered as a RSP under the Income Tax Act and contributions to this Contract consist of locked-in pension benefits under one of the following acts: (i) Pension Benefits Standards Act (British Columbia); (ii) Employment Pension Plans Act (Alberta); (iii) The Pension Benefits Act, 1992 (Saskatchewan); (iv) The Pension Benefits Act (Manitoba); (v) Pension Benefits Act (Ontario); (vi) Supplemental Pension Plans Act (Quebec); (vii) Pension Benefits Act (New Brunswick); (viii) Pension Benefits Act (Nova Scotia); (ix) Pension Benefits Act, 1997 (Newfoundland); or (x) Pension Benefits Standards Act, 1985 (Canada), then the Locked-in Retirement Account Endorsement shall be in effect for this Contract. The terms of this endorsement will govern if any of its provisions are inconsistent with other sections of this document. RIF If the Owner has requested that this Contract be registered as a RIF under the Act and contributions to this Contract consist of locked-in pension benefits under one of the following acts: (i) Pension Benefits Standards Act (British Columbia); (ii) Employment Pension Plans Act (Alberta); (iii) The Pension Benefits Act, 1992 (Saskatchewan); (iv) The Pension Benefits Act (Manitoba); (v) Pension Benefits Act (Ontario); (vi) Supplemental Pension Plans Act (Quebec); (vii) Pension Benefits Act (New Brunswick); (viii) Pension Benefits Act (Nova Scotia); (ix) Pension Benefits Act, 1997(Newfoundland); or (x) Pension Benefits Standards Act, 1985 (Canada), then the Life Income Fund Endorsement shall be in effect for this Contract. The terms of this endorsement will govern if any of its provisions are inconsistent with other sections of this document. LIF Contracts in certain jurisdictions may have a latest age to own clause of no older than age 80 as of December 31st of that year. If this Contract is allowed to mature, this Contract will end and all payments and/or obligations offered under Helios2 75/100 GLWB will cease. The applicable Death Benefit will always apply upon the death of the Annuitant. The Guaranteed Amounts for a LIF Contract will be reduced by any withdrawals made to effect retirement income payments according to these provisions. Value of the Funds and the Units The Units of a Fund are valued according to the Administrative Rules established by the Company as described here and in accordance with this Contract, and all laws and regulations applicable to the Fund. The Company calculates the net asset value per Unit of a Fund ( NAVPU ) as at the Cut-Off Time on each Market Day for each Fund. Units are valued as at the Cut-Off Time on each Market Day as illustrated in the following equation: NAVPU for Series = Series proportion of (Total market value of the Fund + other assets liabilities not including Management Fee) Series Management Fee liabilities Number of Series Units The NAVPU calculated at that time will remain in effect until the next calculation of the NAVPU. In other words, the NAVPU that is calculated at the Cut-Off Time on a Market Day will remain in effect until the Cut-Off Time on the next Market Day, at which time the new NAVPU of a Fund is calculated. The Company reserves the right at its sole discretion to change the frequency with which a Unit of a Fund is valued subject to the provisions of this Contract as outlined in under the heading Fundamental Changes. For the purposes of the foregoing, in determining the market value of the Fund s investment portfolio, securities in the Fund are generally valued at prices determined by the markets in which they trade or are issued. A security listed or traded on a recognized stock exchange is valued at the latest available quoted selling price of recent date. If there are no recent sales or record 34 Contract and Information Folder October 2015

thereof or if securities are not listed or dealt with on a recognized stock exchange, then such securities will be valued at the latest available quoted asked price or the latest available quoted bid price, or the average of the two, whichever in the opinion of the Company better reflects the value of the securities on the day the net asset value per Unit is being determined. In the case of bonds, debentures, shares or other securities for which price quotations are not available, the value is to be calculated in such manner as the Company determines and the basis of such determination shall be included in the notes to any financial statement of the Fund(s). The market value of the assets of a Fund will be calculated on each Market Day and will include the total market value of the securities in the Fund s investment portfolio as well as all other assets and liabilities of the Fund. Income and capital gains from the investments of each Fund increase the market value of the Fund. Capital losses from the investments of each Fund together with all the charges, expenses and taxes applicable to the Fund reduce the market value of the Fund. Regarding the charges, expenses and taxes applicable to each Fund, reference is made to the section titled Charges and Fees. Notwithstanding the foregoing and subject to all applicable laws and regulations, the Company hereby reserves the right in its absolute discretion to value an asset of a Fund at such amount as it considers fair and reasonable in the circumstances. Nothing contained in this document or this Contract shall be interpreted to give anyone other than the Company any right or incident of ownership in any of the investments of the Funds or the underlying funds. Regarding the rights of any person other than the Company under this Contract, the term Unit shall mean the value of a Unit and not a Unit itself. The value of the Units in a Fund attributed to this Contract is not guaranteed (except for the guarantees of the Company applicable to the selected Guarantee) and will fluctuate with the market value of the assets of the Fund. Income Allocations for Tax Purposes A Fund does not distribute earnings by way of dividends. Instead, net income is retained in the Fund, thus benefiting Owners through changes in the value of their Units. However, tax allocations relating to income and realized capital gains and losses of a particular Fund will be made to you each calendar year as required by law. It is our current practice to allocate income on a unit-byunit basis and update the adjusted cost base of each Contract accordingly. Tax Status of the Funds Each Fund is treated as a separate segregated fund trust under the Income Tax Act. This means that income and realized capital gains and losses, as applicable, are allocated to Owners and their Beneficiaries each year as required by law. In addition, under the current tax legislation, there are no income taxes payable by a Fund (subject to any foreign withholding taxes which may be payable). Tax Status of Owners (A) If this Contract is registered as a RSP, under Section 146 of the Income Tax Act and corresponding provincial legislation, you do not pay income tax year by year on interest, dividends and capital gains attributable to this Contract. However, any benefits payable under this Contract will be subject to tax, there will be restrictions on assignment and this Contract must provide for a retirement income to commence not later than the end of the calendar year in which the Owner reaches age 71 or the date specified by the applicable legislation. You may be able to deduct part or all of your Deposits for income tax purposes if you meet the requirements in the Income Tax Act. (B) If this Contract is registered as a RIF, under subsection 146.3 of the Income Tax Act, you do not pay income tax year by year on interest, dividends and capital gains attributed to this Contract. Amounts withdrawn are taxable in the Owner s hands. Any amounts withdrawn in excess of the minimum amount referred to under the heading RIF Endorsement are subject to withholding tax. (C) If this Contract is registered as a TFSA, under subsection 146.2 of the Income Tax Act, you do not pay income tax year by year on interest, dividends and capital gains attributable to this Contract. (D) Contracts not registered under section 146, 146.2 or 146.3 of the Income Tax Act and corresponding provincial legislation are subject to tax as follows: The portion of the investment income (interest, capital gains and losses and dividends) of the Funds allocated in respect of this Contract is reported to you each calendar year and must be included as taxable income, if any. Even though the amount allocated is not received by you, the adjusted cost base of this Contract is increased for capital gains, interest and dividend income allocated, and the eventual capital gain at disposition decreased. Capital losses allocated will decrease the adjusted cost base of this Contract, and the eventual capital gain at disposition increased. This Contract is treated as an interest in a trust for the purposes of the Income Tax Act and, as such, is capital property. Accordingly, you may realize a capital gain or a capital loss upon the disposition of that interest. Such a disposition would be caused by a partial or total surrender of this Contract, including surrenders to pay for any additional guarantee fees, or by a transfer of the value of the Units attributed to this Contract from one Fund to another Fund. A transfer or withdrawal, which results from your exercising your rights as described in the section Fundamental Changes or our exercising our rights as described in the section Closing of Funds, Series, Fee Options or Plans, will also cause a taxable disposition. contract Contract and Information Folder October 2015 35

If at any time while Units are standing to the credit of this Contract, the Company is required to pay to any governmental authority any part of the proceeds as a tax imposed on this Contract, the Company may transfer out of any Fund or Funds in its discretion to the general funds of the Company the value of the Units in this Contract sufficient for this purpose and such Units will be withdrawn from such Contract as described in the sections titled Surrenders and Withdrawals and Charges and Fees. A transfer of Units to pay for a tax imposed on this Contract is a taxable transaction from the point of view of the Owner. The value of the Units in a Fund attributed to this Contract is not guaranteed (except for the guarantees of the Company applicable to the selected Guarantee) and will fluctuate with the market value of the assets of the Fund. In all cases, the Company shall not be held responsible for any unwanted tax consequences to the Owner(s) or the Beneficiary(ies) resulting from a change in law or in the interpretation of the law by any regulatory body or a court of law. This summary of tax considerations and consequences is not exhaustive and is of a general nature only. It is not intended to constitute advice to any particular purchaser. Moreover, tax legislation in Canada changes from time to time and any specific information contained in this document may be affected by any changes that do occur. Owners are advised to satisfy themselves that they understand their particular tax circumstances and, for this purpose, they may wish to obtain independent advice. Contract held in a Nominee or Intermediary Account A Contract held as an investment of an externally registered account with a nominee or intermediary is a non-registered Contract at Desjardins Financial Security Life Assurance Company. For Deposits, withdrawals, switches, transfers, and other similar transactions, the non-registered Contract provisions will apply regardless of how the plan is registered with the third party. If this Contract is held externally in a nominee or an intermediary account, it is not clear that the creditor protection will be maintained. You should obtain independent legal advice regarding your particular circumstances. Furthermore, if your Contract is held in a nominee or intermediary account, some features may not be available to you, such as but not limited to, the ability to designate a Beneficiary. Carefully discuss with your representative the impacts of choosing to hold your Contract in a nominee or intermediary account. Assignment of Obligations by the Company Subject to receipt of all applicable regulatory approvals, we may transfer and assign all of our obligations under this Contract to another life insurance company which carries on the business of life insurance in Canada and, provided such life insurance company agrees to take all of our obligations under and be bound to the terms and conditions of this Contract, we shall be released and discharged from all obligations under this Contract which we owe to you, to your Beneficiaries, or to any Annuitant. Limitations on Assignment Units are not assignable and ownership in this Contract is not transferable except as collateral for loans and as the Company in its absolute discretion may otherwise permit. Please note that a plan registered as a RSP or a RIF may not be assigned. Closing of Funds, Series, or Fee Options The Company reserves the right in its absolute discretion to close any Fund or Series or Fee Option or to merge any Fund with another Fund (including any new Fund which may be added in the future). In this case, we will provide you with at least 60 days Notification of our intention to do so. In the case of a merging of Funds, the Company will adhere to the Canadian Life and Health Insurance Association Guideline on Individual Variable Insurance Contracts Relating to Segregated Funds, the Autorité des marchés financiers Guideline on Individual Variable Insurance Contracts Relating to Segregated Funds (in Quebec) and applicable law. In the event that a Fund is closed (but not merged), the value of the Units attributed to this Contract will be transferred to another Fund, or if the replacement Fund does not have the same or lower Management Fee and investment objective, the Units may be withdrawn by the Owner without surrender charges. You must provide us with your written instructions at least five days before the change is effective failing which the value of the Units will be transferred to another Fund, as determined by us in our absolute discretion. In the event that all Funds are closed, the value of the remaining Units attributed to this Contract will be transferred to an interest-bearing account with the Company from which you may withdraw the value of the amounts without surrender charges. Upon the closing of a Fund, Series or Fee Option, the value of the Units withdrawn from this Contract and attributed to this Contract in another Fund, Series or Fee Option are calculated at the Cut-Off Time on the Market Day immediately preceding the effective date of the closing of the Fund, Series or Fee Option. In the event of the closing of any Fund, Series or Fee Option, the value of the Units withdrawn in respect of the closed Fund, Series or Fee Option and the value of the Units attributed to this Contract in another Fund, Series or Fee Option are not guaranteed (except for the guarantees of the Company applicable to the selected Guarantee) and will fluctuate with the market value of the assets of the particular Fund. 36 Contract and Information Folder October 2015

Other Information Management of the Funds The responsibility for day-to-day operations is delegated to the Company s officers. The Company, acting by its Board of Directors through its officers, is responsible for the day-to-day operations and management of the Funds. In particular, the Company is responsible for providing or arranging to provide certain accounting, administrative, portfolio management and other services and facilities to the Funds. In return for providing or arranging to provide these services and facilities to the Funds, the Company is paid the management charges and expenses of operation which are described under the section titled Charges and Fees. Our auditor is PricewaterhouseCoopers LLP. Material Contracts There has been no material contract entered into within two years prior to the date hereof by the Company or any subsidiary pertaining to the Desjardins Financial Security Guaranteed Investment Funds Plan or any Fund. For the purpose of the foregoing, material contract means any contract not in the ordinary course of business that can be reasonably regarded as presently material to you with respect to any Fund. Interest of Management and Others in Material Transactions There have been no transactions within the three years prior to the date of filing of this document which has materially affected or will materially affect the Company or any of its subsidiaries with respect to the Funds. other information Financial Statements The Company will provide financial statements to you upon written notification. You may choose to receive the financial statements by mail or electronic transmission by notifying us in writing of your preference. Other Material Facts There are no other material facts relating to the Desjardins Financial Security Guaranteed Investment Funds Plan which are not disclosed pursuant to the foregoing items. Contract and Information Folder October 2015 37

38 Contract and Information Folder October 2015

Annex A GLWB Bonus Rate and GLWB Withdrawal Percentage GLWB Bonus Rate Every calendar year without any surrender from a Contract that has Helios2 75/100 GLWB as the Guarantee selected, a GLWB Bonus will be applied to the GLWB Protected Value. This GLWB Bonus will be equal to the GLWB Bonus Rate multiplied by the GLWB Bonus Base. The GLWB Bonuses are added to the GLWB Protected Value and does not affect the market value of the Contract. The GLWB Bonus is not a cash bonus. The GLWB Bonus Rate is equal to the 10 Year Government of Canada Benchmark Bond Yields (CANSIM Identifier V39055) as at the last business day of November of the current calendar year plus 1.5%. This rate is subject to a minimum of 2.5% and a maximum of 8%. For 2015 exclusively, the GLWB Bonus Rate will be set at a minimum of 5.5%, up to the maximum of 8% stipulated above. The Company reserves the right in its absolute discretion to change the underlying benchmark used to calculate the GLWB Bonus Rate should it become unavailable. GLWB Withdrawal Percentage The GLWB Withdrawal Percentage is based on the attained age of the Annuitant on the day that the first GLWB Eligible Withdrawal is made. Please note that any surrenders of this Contract made prior to the Annuitant s 55th birthday will be considered GLWB Excess Withdrawals. Such surrender will not set the GLWB Withdrawal Percentage. GLWB Withdrawal Percentage Table annex a Age of the Annuitant One Annuitant More than one Annuitant 55 59 3.0% 2.5% 60 64 3.6% 3.1% 65 69 4.1% 3.6% 70 74 4.6% 4.1% 75 or older 5.0% 4.5% Contract and Information Folder October 2015 39

40 Contract and Information Folder October 2015

Annex B HELIOS2 75/100 GLWB CASE STUDIES HELIOS2 75/100 GLWB AT RETIREMENT Graph no. 1 shows withdrawals and markets trending down. Graph no. 2 shows withdrawals and markets trending up. Maria, age 65, wants to retire with confidence. She deposits $100,000 in a Helios2 Contract. Maria selected Helios2 75/100 GLWB. What will the Helios2 Contract do for her? Provide her with guaranteed and predictable withdrawals for life; Reset the GLWB Protected Value every third year to take advantage of market upturns. Downward market fluctuations (as shown in Graph #1) have no impact on her yearly GLWB Maximum Amount. The Guarantee she selected under her Helios2 Contract, Helios2 75/100 GLWB, protects her against such fluctuations. $120,000 GRAPH 1: Payout and markets trending down $100,000 $80,000 GLWB Maximum Amount GLWB Protected Value Market Value annex b $60,000 $40,000 $20,000 GLWB Maximum Amount = GLWB Withdrawal Percentage x GLWB Protected Value $4,100 = 4.1% x $100,000 $0 65 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 In the event of market downturns, Maria s Deposit would be depleted at the end of 17 years, but with Helios2 75/100 GLWB, her GLWB Maximum Amount would be $4,100 for the rest of her life. In the event of market upturns, Maria would benefit from a reset of her GLWB Protected Value every three years, which would provide her a higher GLWB Maximum Amount. Contract and Information Folder October 2015 41

$140,000 GRAPH 2: Payout and markets trending up $120,000 $100,000 $80,000 Reset every three years of the GLWB Protected Value, GLWB Withdrawal Percentage and GLWB Bonus Base. GLWB Protected Value = market value GLWB Bonus Base = market value GLWB Withdrawal Percentage = 4.1% (Age 68) Reset every three years of the GLWB Protected Value, GLWB Withdrawal Percentage and GLWB Bonus Base. GLWB Protected Value = market value GLWB Bonus Base = market value GLWB Withdrawal Percentage = 4.6% (Age 71) $60,000 $40,000 $20,000 GLWB Maximum Amount = GLWB Withdrawal Percentage x GLWB Protected Value $4,100 = 4.1% x $100,000 GLWB Maximum Amount = GLWB Withdrawal Percentage x GLWB Protected Value $4,305 = 4.1% x $105,000 GLWB Maximun Amount GLWB Protected Value Market Value GLWB Maximum Amount = GLWB Withdrawal Percentage x GLWB Protected Value $5,221 = 4.6% x $113,500 GLWB Maximum Amount = GLWB Withdrawal Percentage x GLWB Protected Value $5,382 = 4.6% x $117,000 $0 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 Market upturns would have a positive impact on Maria s GLWB Maximum Amount because of the reset every three years. In this situation, she would benefit from a reset of her GLWB Protected Value and it would increase her GLWB Maximum Amount by $205 at age 68 and by $916 at age 71. Her GLWB Maximum Amount would be $5,221 at age 71 because her GLWB Protected Value would be increased to $113,500 and her GLWB Withdrawal Percentage would be increased to 4.6% from 4.1%. 42 Contract and Information Folder October 2015

HELIOS2 75/100 GLWB PRIOR TO RETIREMENT Graph no. 3 shows accumulation and markets trending down. Graph no. 4 shows accumulation and markets trending up. Jim, age 55, wants to retire in 10 years. He deposits $100,000 in a Helios2 Contract. Jim opted for Helios2 75/100 GLWB. What will the Helios2 Contract do for him? His GLWB Protected Value will increase by the GLWB Bonus. The GLWB Bonus will be equal to the GLWB Bonus Rate multiplied by the GLWB Bonus Base every year he does not make a withdrawal. This GLWB Bonus is added to the GLWB Protected Value, thus increasing the GLWB Maximum Amount. Reset the GLWB Protected Value and GLWB Bonus Base every three years to take advantage of market upturns. $160,000 GRAPH 3: Accumulation and markets trending down $140,000 $120,000 $100,000 $80,000 GLWB Bonus = GLWB Bonus Rate x Current GLWB Bonus Base $8,000 = 8% x $100,000 When the 10 Year Government of Canada benchmark bond yield as at the last business day of November is equal to 7.0%, this triggers the maximum GLWB Bonus Rate of 8%. $103,000 $107,000 $112,000 $114,500 $117,000 $125,000 GLWB Protected Value Market Value $130,500 $134,000 GLWB Bonus = GLWB Bonus Rate x Current GLWB Bonus Base $2,500 = 2.5% x $100,000 When the 10 Year Government of Canada benchmark bond yield as at the last business day of November is equal to 0.5%, the GLWB Bonus Rate will be equal to 2.5%, the minimum rate the Company will use to calculate your GLWB Bonus. $138,500 annex b $60,000 $40,000 GLWB Bonus = GLWB Bonus Rate x Current GLWB Bonus Base $4,000 = 4% x $100,000 The GLWB Bonus Rate is equal to the 10 Year Government of Canada benchmark bond yield as at the last business day of November plus 1.5%. If the 10 Year Government of Canada benchmark bond yield as at November is equal to 2.5%, the GLWB Bonus Rate will be 4%. $20,000 GLWB Bonus = GLWB Bonus Rate x Current GLWB Bonus Base $3,000 = 3% x $100,000 The first year GLWB Bonus is not prorated. $0 55 56 57 58 59 60 61 62 63 64 65 The above graph shows that in the event of market downturns, Jim s Deposit will be protected. Plus, he benefits from an annual GLWB Bonus on his GLWB Protected Value equal to the GLWB Bonus Base multiplied by the GLWB Bonus Rate provided he did not make any withdrawals during the calendar year. Therefore, in 5 years at age 60, Jim would have a GLWB Protected Value of $117,000, and in 10 years, at age 65, Jim would have a GLWB Protected Value of $138,500. Contract and Information Folder October 2015 43

$180,000 GRAPH 4: Accumulation and markets trending up $160,000 $140,000 GLWB Protected Value Market Value GLWB Bonus Base $120,000 $100,000 $80,000 $60,000 Reset every three years of the GLWB Protected Value and GLWB Bonus Base. GLWB Protected Value = market value GLWB Bonus Base = market value $40,000 $20,000 GLWB Bonus = GLWB Bonus Rate x Current GLWB Bonus Base $3,000 = 3% x $100,000 The first year GLWB Bonus is not prorated. $0 55 56 57 58 59 60 61 62 63 64 65 The above graph shows that if the markets are up and Jim does not make any withdrawals, the GLWB Protected Value will increase because of the resets every three years and the GLWB Bonuses. With these two advantages, Jim s GLWB Protected Value would be $126,000 at age 60 and $158,000 at age 65. 44 Contract and Information Folder October 2015

Investment Information Investment Policies for the Funds In order to provide the best possible choice of Funds, Desjardins Financial Security Life Assurance Company has entered into agreements with the following portfolio advisors: Bissett Investment Management to manage the DFS GIF Dividend Income Franklin Bissett, DFS GIF Canadian Balanced Franklin Bissett, DFS GIF Canadian Equity Franklin Bissett, and the DFS GIF Small Cap Franklin Bissett; CI Investments Inc. to manage the DFS GIF Canadian Balanced CI Signature, DFS GIF Income and Growth CI Signature, and the DFS GIF Canadian Asset Allocation CI Cambridge; Desjardins Funds to manage the DFS GIF American Equity Value Desjardins, DFS GIF International Equity Growth Desjardins, DFS GIF Global Dividend Desjardins and the DFS GIF Balanced Desjardins SocieTerra; Desjardins Global Asset Management to manage the DFS GIF Money Market and the DFS GIF Canadian Bond; Fidelity Investments Canada ULC to manage the DFS GIF Canadian Balanced Fidelity, DFS GIF U.S. Monthly Income Fidelity and the DFS GIF Canadian Equity Fidelity True North ; For some of our Funds managed by Northwest & Ethical Investments LP and for Desjardins Funds, the portfolio managers have retained portfolio sub-advisors to provide portfolio management services. The portfolio sub-advisors and Funds are listed below: Fund DFS GIF Growth and Income NEI Northwest DFS GIF Specialty Equity NEI Northwest DFS GIF Canadian Dividend NEI Northwest DFS GIF International Equity Growth Desjardins DFS GIF Global Dividend Desjardins DFS GIF American Equity Value Desjardins Underlying Fund Portfolio Advisor Kingwest & Company Montrusco Bolton Investments Inc. Beutel Goodman & Company Ltd. Bailie Gifford Overseas Limited Epoch Investment Partners, Inc Wellington Management Company, LLP Bissett Investment Management, BlackRock Inc., CI Investments Inc., Desjardins Funds, Fidelity Investments Canada, Fiera Capital Corporation, Franklin Templeton Investments Corp, MFS Investment Management, and Northwest & Ethical Investments LP have all been retained on a non-exclusive basis to provide mutual and pooled funds to satisfy the investment policies of some of the Funds. Fiera Capital Corporation to manage the DFS GIF Income Fiera Capital, DFS GIF Canadian Balanced Fiera Capital, and the DFS GIF Canadian Equity Fiera Capital; Franklin Templeton Investments Corp. to manage the DFS GIF Diversified Income Franklin Quotential, DFS GIF Balanced Income Franklin Quotential, DFS GIF Balanced Growth Franklin Quotential, and the DFS GIF Growth Franklin Quotential; Jarislowsky, Fraser Limited to manage the DFS GIF Global Balanced Jarislowsky Fraser and the DFS GIF Canadian Equity Jarislowsky Fraser; MFS Investment Management to manage the DFS GIF American Equity MFS, DFS GIF International Equity MFS, and the DFS GIF Global Equity MFS; Northwest & Ethical Investments LP to manage the DFS GIF Global Growth NEI Select, DFS GIF Growth and Income NEI Northwest, DFS GIF Specialty Equity NEI Northwest and the DFS GIF Canadian Dividend NEI Northwest; BlackRock Inc., Bissett Investment Management, Desjardins Global Asset Management, Fidelity Investments Canada ULC, to manage the DFS GIF Conservative, DFS GIF Moderate, DFS GIF Balanced, DFS GIF Growth, and DFS GIF Maximum Growth and Desjardins Funds to be included in such Funds. Desjardins Financial Security Life Assurance Company has an ethical code in place which requires that all contracts entered into with related parties be approved by the Board of Directors of the Company and which can only be approved once each agreement has been thoroughly reviewed by the Company s Ethics and Professional Conduct Committee. At any time our association with Bissett Investment Management, BlackRock Inc., CI Investments Inc., Desjardins Funds, Fidelity Investments Canada, Fiera Capital Corporation, Franklin Templeton Investments Corp, MFS Investment Management, and Northwest & Ethical Investments LP can be terminated with appropriate notice. The Company may also from time to time retain the services of other portfolio advisors, as it deems appropriate. Established in Calgary in 1982, Bissett Investment Management has been a member of the Franklin Templeton Investments family since 2000. The firm applies a disciplined team approach to managing equity, income and balanced portfolios. Adhering to a "growth at a reasonable price" (GARP) investment style, Bissett Investment Management relies on a bottom-up research approach to identify reasonably priced securities that demonstrate sustainable, replicable growth. Bissett Investment Management s address is 350 7th Avenue S.W., Suite 3100, Calgary, Alberta, T2P 3N9. investment information Contract and Information Folder October 2015 45

Founded in New York in 1988, BlackRock is a leader in investment management, risk management, and advisory services for institutional, retail and individual clients worldwide. With US $4.7 trillion in assets under management as at December 31, 2014, the firm offers a range of products including separate accounts, mutual funds, exchange traded funds and other pooled investment vehicles. It also offers risk management, advisory and enterprise investment system services to institutions through BlackRock Solutions. BlackRock Inc. address is 40 East 52nd Street, 2nd Floor, New York, NY, USA 10022. Founded in 1965, CI Investments provides a wide variety of investment products to investors by partnering with financial advisors and institutions across Canada. Guided by a strategy of seeking the best available portfolio managers, the firm offers a diverse lineup of investment options, including mutual funds, segregated funds, asset allocation programs, structured products and other alternative investments. Based in Toronto, its assets under management total $102.9 billion as at December 31, 2014. CI Investments Inc. s address is 2 Queen Street East, 20th Floor, Toronto, Ontario, M5C 3G7. Experienced in the design of investment funds, Desjardins offers its members and clients Desjardins Funds, a family of investment products and solutions that allow investors to build a well-diversified portfolio. With in-force business of more than $22 billion as at December 31, 2014, Desjardins is one of the top investment fund producers in Quebec. Divided into six categories, Desjardins Funds provide access to the expertise of national and international partners who, because of their excellent results and their management philosophy, are among the best in their field. Desjardins Funds address is 2 Complexe Desjardins, P.O. Box 9000, Desjardins Station, Montreal, Quebec, H5B 1H5. Desjardins Global Asset Management is a subsidiary of Desjardins Asset Management whose mission is to offer optimal investment solutions that will help its partners and clients reach their goals. The firm manages approximately $62.7 billion in assets as at December 31, 2014, chiefly through management mandates from other Desjardins Group entities. Desjardins Global Asset Management is known for its expertise in fixed-income investment management, adaptive index management for both traditional and alternative sectors, multi-management, and also for its creative and innovative investment product design. Desjardins Global Asset Management s address is 1 Complexe Desjardins, South Tower, 25th Floor, P.O. Box 153, Desjardins Station, Montreal, Quebec, H5B 1B3. Established in Canada in 1987, Fidelity Investments Canada is part of the Fidelity Investments organization of Boston, one of the world s largest providers of financial services. As at December 31, 2014, the firm manages over $97.0 billion in mutual fund and institutional assets, including assets on behalf of public and corporate pension plans, endowments, foundations and other corporate clients across Canada. Fidelity Investments Canada offers investors a full range of domestic, international and income-oriented mutual funds. Its clearly defined investment philosophy focuses on four major principles: individual security selection, extensive fundamental research, manager-driven decision-making and adherence to proven investment disciplines. Fidelity Investments Canada ULC s address is 483 Bay Street, Suite 300, Toronto, Ontario, M5G 2N7. Fiera Capital Corporation is one of only a handful of Canadian independent investment firms. With assets under management of $86.6 billion as at December 31, 2014, the Montreal-based firm boasts a highly diversified clientele comprised of pension funds, foundations, religious and charitable organizations, high net worth individuals, financial institutions, mutual funds and managed asset platforms. Fiera Capital Corporation offers extensive expertise in Canadian and foreign equity, fixed income, asset allocation and nontraditional investment solutions through a broad range of strategies and services. Fiera Capital Corporation s address is 1501 McGill College Avenue, Suite 800, Montreal, Quebec, H3A 3M8. Franklin Templeton Investments Corp. is the Canadian subsidiary of Franklin Resources, a global investment management organization located in California and known as Franklin Templeton Investments. Resulting from Franklin Resources acquisition of Templeton Investment Management in 1992, Franklin Templeton Investments delivers unparalleled world-class management from one global platform, with assets under management of US $880.1 billion as at December 31, 2014. The firm's product diversity stems from its ability to offer five distinct, world-class investment management groups. Franklin Templeton Investments Corp. s address is 5000 Yonge Street, Suite 900, Toronto, Ontario, M2N 0A7. Founded in 1955, Jarislowsky Fraser is a registered investment counselling firm managing assets of $36.3 billion as at December 31, 2014, on behalf of retirement plans and foundations. Based in Montreal, the firm distinguishes itself through its emphasis on fundamental investment research, which concentrates on identifying companies with sustainable earnings growth, strong management and a sound balance sheet. Jarislowsky, Fraser Limited s address is 1010 Sherbrooke St. West, Suite 2005, Montreal, Quebec, H3A 2R7. MFS Investment Management is a global investment firm managing equity and fixed-income assets for institutional and individual investors worldwide. Founded in 1924, Massachusetts Financial Services Company established one of the world s first in-house fundamental research departments in 1932. Based in Boston, MFS and its affiliates manage over $498.8 billion in assets as at 46 Contract and Information Folder October 2015

December 31, 2014. The firm offers a wide range of investment products while specializing in active management of equity mandates. Its investment philosophy has remained consistent: to identify opportunities on behalf of clients based on comprehensive research. MFS Investment Management s address is 111 Huntington Avenue, Boston, Massachusetts, United States, 02199-7618. Established in 2007 further to a partnership between Northwest Mutual Funds and the Ethical Funds Company, Northwest & Ethical Investments offers mutual funds nationally through financial institutions and credit unions. With approximately $6.3 billion in assets under management as at December 31, 2014, the firm integrates a true active management approach and relentless, disciplined focus on risk management into its two fund families, Northwest Funds and Ethical Funds. Ethical Funds are at the forefront of the socially responsible investing industry in Canada. Based in Toronto, Northwest & Ethical Investments is owned 50% by Desjardins Group and 50% by Canada's Provincial Credit Union Centrals. Northwest & Ethical Investments address is 151 Yonge Street, 12th Floor, Toronto, Ontario, M5C 2W7. Investment Policies for All Funds As a general principle, in respect of each of the Funds, we will adhere to the Canadian Life and Health Insurance Association Guideline on Individual Variable Insurance Contracts Relating to Segregated Funds, the Autorité des marchés financiers Guideline on Individual Variable Insurance Contracts Relating to Segregated Funds (in Quebec) and investment and lending policies, standards and procedures that a reasonable and prudent person would apply in respect of a portfolio of investments and loans to avoid undue risk of loss and to obtain a reasonable return. Desjardins Financial Security Life Assurance Company and Northwest & Ethical Investments LP are subsidiaries of Desjardins Group, which maintains a partial ownership position in Fiera Capital Corporation. Policies are in place to ensure that all decisions are made in the best interest of the Funds. The Company may lend securities in the investment portfolio of a Fund with such frequency and on such terms and conditions as the Company in its absolute discretion may determine, subject to the requirements of any applicable insurance legislation in Canada. The sum of a Fund s exposure to any one corporate entity will not exceed 10% of the value of the Fund at the time of investment. Furthermore, the percentage of securities of any one corporate issue that may be acquired is limited to 10% of each class of securities of any one corporate issuer, except for any corporate issue of, or a government security guaranteed by, any government authority in Canada. The Company will not, in respect of any Fund, invest in the securities of an issuer for the purpose of exercising control or management. The Company will not distribute the earnings of a Fund by way of dividends. The net income is retained in the Fund in each case serving to increase the value of the Fund. Reference is made to the section titled Income Allocations for Tax Purposes. The investment policies of the Funds permit the use of derivative instruments with no financial leverage. Therefore, the notional value of derivatives used by any Fund will not exceed 100% of the value of the net assets of the Fund, subject to a short-term 2% variation. This variation is dependent on movements in the foreign exchange value of the currency in which assets of the Fund are invested. A derivative is a financial instrument that derives its value from an underlying security. The derivative instruments employed are subject to the risk factors described in this section. The following derivative instruments may be used in the Funds to reduce transaction costs, increase the liquidity of the portfolio, or for the specific purposes discussed: Forward contracts traded over-the-counter may be used to change the exposure to foreign currencies of developed countries; Futures contracts traded on a public exchange may be used to replicate the return of various securities market indices or to increase or decrease the asset exposure to bonds or Canadian, American, European and Asian equities. Futures contracts may also be used for hedging purposes with the intention of offsetting or reducing the risk associated with stock market fluctuations; Options traded on a public equities exchange may also be used for hedging purposes with the intention of offsetting or reducing the risk associated with stock market fluctuations, or to increase or decrease the asset exposure and generate income. Market exposures are the same as described above for futures contracts; Swap contracts traded over-the-counter may be used for hedging purposes with the intention of offsetting or reducing the risk associated with stock market fluctuations and fluctuations in currency exchange rates of developed countries, or to increase or decrease currency or asset exposures. Market exposures are the same as described above for futures contracts; and Warrants traded on a public exchange. The investment policies of the Funds permit them to invest in certain secondary funds, in accordance with the Canadian Life and Health Insurance Association Guideline on Individual Variable Insurance Contracts Relating to Segregated Funds and, in Quebec, the Autorité des marchés financiers Guideline on Individual Variable Insurance Contracts Relating to Segregated Funds. Specifically, the Funds may invest in pooled funds, mutual funds, exchange-sponsored index funds, and certain publicly traded income trust funds. Without any additional Management Fees or expenses being charged, Fiera Capital Corporation makes the pooled funds available and Bissett Investment Management, BlackRock Inc., CI Investments Inc., Desjardins Funds, Fidelity Investments Canada ULC, Franklin Templeton Investments Corp., Jarislowsky, Fraser Limited, MFS Investment Management, and Northwest & Ethical Investments LP make their mutual funds available to investment information Contract and Information Folder October 2015 47

their institutional customers. Investments in these pooled funds or mutual funds by a Desjardins Financial Security Guaranteed Investment Fund (DFS GIF) will not result in charges or fees to the Fund or Owners other than previously described. From time to time, the Funds may hold exchange-sponsored index funds in their portfolios. Exchange-sponsored index funds may include such instruments as the i60s (Units of the iunits S&P/TSX 60 Index Participation Fund) and SPDRs (Standard & Poor s 500 Depository Receipt) participation in which represents a proportionate interest in shares of companies listed on these exchange indices. Publicly traded income trust funds are unitized trusts, which generally distribute all income, generated by the underlying trust assets. Investment in both these types of funds involves minimal management expenses and/or fees which, to the extent they are material, are discussed further in the financial statements but are not included in the MER of the Funds. Investments in secondary funds will occur only where the investment policy of the secondary fund conforms to the policy of the principal Fund as provided in this Document. If the underlying fund is a mutual fund, it cannot change any fundamental objectives unless the change in the objective of the underlying fund is approved by the mutual fund unitholders. Should such an event occur, Notice will be given to the Owner within three months. The principal Fund will maintain a separate Unit value from the secondary fund reflecting the fees associated with the cost of providing the Helios2 75/75 and administration of the Funds. For the DFS GIF Income Fiera Capital, DFS GIF Canadian Balanced Fiera Capital, and DFS GIF Canadian Equity Fiera Capital, in the event that investment in a secondary fund is material, the top 25 holdings of the secondary fund will be disclosed and financial statements of the secondary fund(s) will be provided upon request. Within the framework of all applicable restrictions, policies and laws, but subject to the foregoing, the Company is empowered to invest the assets of each Fund in any way it judges to be most effective for the attainment of the objectives under the circumstances prevailing at any time. Principal Risk Factors The net asset value per Unit of each Fund will fluctuate with changes in the market value of the investments held in the Fund. These changes in market value may occur as a result of various factors, including general economic conditions, investments, market conditions and changes in interest rates, or the financial performance of the issuers of securities held in the Fund. Certain specific types of risk which may affect the Funds from time to time are: MARKET RISK Market risk refers to the nature of how the price of a security is determined. Stocks are valued by a series of bid and ask prices to reach a consensus price to trade a security between buyer and seller. Stock values depend on a number of conditions such as general economic and political climate including the rate of inflation and interest rate levels. SPECIAL EQUITIES RISK This type of risk relates to stocks of companies that may not be traded on a public exchange or, by their nature, may have restricted marketability. An example would be a small private corporation whose shares are not sold through the typical channel of the stock exchange, but through a private transaction. Since there is no organized market for the stock, the original buyer may eventually have a limited amount of potential buyers to sell to. Likewise, small companies that are listed on a public stock exchange may have limited amounts of shares that are available to be traded on a given day, thus affecting the demand-supply relationship and consequently the price sold or paid. When companies are smaller and younger, management, earnings and the company s outlook may generally be less stable than a larger, more well-established company. INTEREST RATE RISK Interest rate risk generally affects bondholders and certain other fixed-income securities holders. As the interest rate paid on the fixed-income security is fixed throughout its life, its value may fluctuate throughout the term to maturity if market rates change. Generally, when interest rates increase, the value of the Fund decreases, and when interest rates decrease, the value of the Fund increases. CREDIT RISK Credit risk relates to the possibility that an issuer of a bond or other fixed-income security will not be able to meet its obligation to pay the required interest payments or repay the principal amount of the security at its maturity. In effect, buying a bond is like lending money. The financial health of the borrower reflects its capacity to pay the annual interest payments to the lender and, more importantly, to repay the borrowed money. Independent and external agencies exist that evaluate and issue ratings, using a standardized approach, of a government or corporation s financial status. FOREIGN CURRENCY RISK Foreign currency risk relates to the possibility of the value of foreign securities fluctuating due to changes in the currency exchange rates of the investor s local currency relative to the currency of the foreign country in which the security is situated. In effect, when an investor purchases a foreign security, he must first convert his local currency into that of the foreign country at the going rate. If the going currency exchange rate changes throughout time, it will have an impact on the investor s security value once converted back to his local currency. For example, if the value of the Canadian dollar increases against the value of the foreign currency, the converted value of the foreign holdings in a Fund may decrease. SOVEREIGN RISK This type of risk relates to the potential of a country s status changing, by change of form of government or otherwise, which would have a negative effect on that country s economy or its business environment. Foreign securities may also be subject to 48 Contract and Information Folder October 2015

foreign investment and exchange control laws, nationalization, expropriation, confiscatory taxation, currency controls, government regulation and intervention, diplomatic developments, high rates of inflation, or withholding tax. The risk on foreign investments may also be elevated because of reduced availability of information about foreign issuers since they are often not subject to the extensive accounting, auditing and financial reporting standards and practices applicable in North America. DERIVATIVES RISK Derivatives risk relates to the possibility of loss of value induced by the underlying security from which the instrument derives its value. By its nature, the principal risk involved for a derivative contract would relate to the underlying security s nature and own risks. Thus, if the derivative contract specifies that the counterparty to a contract will pay him the price gains related to a specific stock, certain risks such as market risks, currency risks, and sovereign risks involved by directly purchasing that stock would also indirectly affect the derivative contract holder. Losses may also occur if the counterparty to a derivative transaction defaults on its obligations to pay the specified amounts of the derivative contract. In addition, derivative securities are also subject to the risk that the Fund may not be able to readily sell or close out its positions in a derivative security. investment information Contract and Information Folder October 2015 49

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Investment Solutions The following investment solutions use mixes of existing mutual and pooled funds in order to attain their stated objectives. The Company retains the right to change any of the underlying funds at its sole discretion; however, should such a change occur, Notice will be provided after the fact. On the following pages, we show you the current investment objective and strategy for each of our investment solutions, their benchmarks as well as their CIFSC category as of the date of printing. A detailed description of each Fund s investment policy and, where applicable, the investment policy and/or prospectus and financial statements of the underlying fund(s) is available upon request by writing to the Company at its principal office address noted in the front material of this document. If the Company changes the objectives of a Fund, you will be given sixty (60) days advance Notice and have the right to transfer or exit the Fund as described in the section Fundamental Changes. It is important to note, that although you will receive Notice, a change in an underlying mutual fund or pooled fund will not be treated as a fundamental change and you will not have any special exit or transfer rights. The objectives and strategies for each of the investment solutions are as follows: investment information Contract and Information Folder October 2015 51

INVESTMENT SOLUTIONS DFS GIF CONSERVATIVE Objective of the Fund To generate a consistent flow of income with an emphasis on the preservation of capital by investing in a number of different fixed income and equity underlying funds. The principal risk factors of this Fund are interest rate, foreign currency, credit, sovereign, market, special equities and derivatives risk. Strategy of the Fund To invest in a wide array of underlying funds managed by using a multi-manager approach provided by acclaimed fund managers and sub-advisors. DFS GIF BALANCED Objective of the Fund To provide investors with an attractive balance of current income and capital appreciation by investing in a number of different fixed income and equity underlying funds. The principal risk factors of this Fund are interest rate, foreign currency, credit, sovereign, market, special equities and derivatives risk. Strategy of the Fund To invest in a wide array of underlying funds managed by using a multi-manager approach provided by acclaimed fund managers and sub-advisors. Benchmark Percentage FTSE TMX Canada Universe Bond Index 80% S&P/TSX 8% S&P 500 6% MSCI EAFE Net 6% CIFSC CATEGORY: Canadian Fixed Income Balanced Benchmark Percentage FTSE TMX Canada Universe Bond Index 50% S&P/TSX 20% S&P 500 15% MSCI EAFE Net 15% CIFSC CATEGORY: Canadian Neutral Balanced DFS GIF MODERATE Objective of the Fund To generate income while leaving room for some capital appreciation by investing in a number of different fixed income and equity underlying funds. The principal risk factors of this Fund are interest rate, foreign currency, credit, sovereign, market, special equities and derivatives risk. Strategy of the Fund To invest in a wide array of underlying funds managed by using a multi-manager approach provided by acclaimed fund managers and sub-advisors. Benchmark Percentage FTSE TMX Canada Universe Bond Index 65% S&P/TSX 14% S&P 500 10.5% MSCI EAFE Net 10.5% CIFSC CATEGORY: Canadian Fixed Income Balanced DFS GIF GROWTH Objective of the Fund To emphasize appreciation of capital while still generating some income by investing in a number of different fixed income and equity underlying funds. The principal risk factors of this Fund are interest rate, foreign currency, credit, sovereign, market, special equities and derivatives risk. Strategy of the Fund To invest in a wide array of underlying funds managed by using a multi-manager approach provided by acclaimed fund managers and sub-advisors. Benchmark Percentage FTSE TMX Canada Universe Bond Index 35% S&P/TSX 26% S&P 500 19.5% MSCI EAFE Net 19.5% CIFSC CATEGORY: Global Equity Balanced 52 Contract and Information Folder October 2015

DFS GIF MAXIMUM GROWTH Objective of the Fund To maximize the appreciation of capital while still generating some income by investing in a number of different fixed income and equity underlying funds. The principal risk factors of this Fund are interest rate, foreign currency, credit, sovereign, market, special equities and derivatives risk. Strategy of the Fund To invest in a wide array of underlying funds managed by using a multi-manager approach provided by acclaimed fund managers and sub-advisors. Benchmark Percentage S&P/TSX 32% S&P 500 24% MSCI EAFE Net 24% FTSE TMX Canada Universe Bond Index 20% CIFSC CATEGORY: Global Equity Balanced investment information Contract and Information Folder October 2015 53

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Individual Funds A detailed description of each Fund s investment policy and, where applicable, the investment objective, policy and/or prospectus and financial statements of the underlying fund is available upon request by writing to the Company at its principal office address noted on page 4 of this document. On the following pages, we show you the current investment objective and strategy for each of our Funds as well as their benchmarks and CIFSC category. The DFS GIF Diversified Income Franklin Quotential, DFS GIF Balanced Income Franklin Quotential, DFS GIF Balanced Growth Franklin Quotential and DFS GIF Growth Franklin Quotential all use geographic and asset class weightings to determine which of the underlying mutual and pooled funds are most suitable to meet the investment objectives of each fund. These weightings are subject to change at the sole discretion of Franklin Templeton Investments Corp., which also retains the right to change any and all of the underlying funds without advance notice to either the Company or the Owner(s). The DFS GIF Global Growth NEI Select uses geographic and asset class weightings to determine which of the underlying mutual and pooled funds are most suitable to meet the investment objectives of the Fund. These weightings are subject to change at the sole discretion of Northwest & Ethical Investments LP which also retains the right to change any and all of the underlying funds without advance notice to either the Company or the Owner(s). If the Company changes the objectives of a Fund, you will be given 60 days advance Notice and have the right to transfer or exit the Fund as described in the section Fundamental Changes. It is important to note, that although you will receive Notice, a change in an underlying mutual fund or pooled fund will not be treated as a fundamental change and you will not have any special exit or transfer rights. The objectives and strategies for each of the Funds are as follows: investment information Contract and Information Folder October 2015 55

INDIVIDUAL FUNDS Income Funds DFS GIF MONEY MARKET Objective of the Fund To provide a higher level of interest income than can normally be obtained from savings accounts, combined with a high level of liquidity and safety of capital. Strategy of the Fund To invest primarily in Canadian government treasury bills and in bankers acceptances, which have a maximum maturity of 12 months. The Fund s modified duration may not exceed 180 days. The principal risk factors of this Fund are interest rate and market risk. Benchmark FTSE TMX Canada 91-Day Treasury Bills CIFSC CATEGORY: Canadian Money Market DFS GIF INCOME FIERA CAPITAL Objective of the Fund To provide above-average interest income with some potential for capital growth by investing primarily in bonds and other interest-bearing instruments of Canadian federal and provincial governments and investment-grade corporations. Strategy of the Fund To place emphasis primarily on medium and long-term maturities. Such maturities normally provide higher returns and better potential for capital gains but also higher variability of performance during periods of rapidly changing interest rates. The principal risk factors of this Fund are interest rate, market and some credit risk. Benchmark FTSE TMX Canada Universe Bond Index CIFSC CATEGORY: Canadian Fixed Income DFS GIF CANADIAN BOND Objective of the Fund To provide regular income and capital security by investing in a portfolio of fixed-income securities from the Canadian bond market. Strategy of the Fund This Fund, actively managed, aims to provide regular income and capital security by investing in a portfolio of fixed-income securities from the Canadian bond market. The Fund employs a fundamental investment approach targeting a consistent allocation of value added sources. The strategy seeks to add value through management of duration, yield curve and credit risk. The principal risk factors of this Fund are credit risk and interest rate risk. Benchmark FTSE TMX Canada Universe Bond Index CIFSC CATEGORY: Canadian Fixed Income 56 Contract and Information Folder October 2015

INDIVIDUAL FUNDS Balanced and Asset Allocation Funds DFS GIF DIVERSIFIED INCOME FRANKLIN QUOTENTIAL Objective of the Fund To provide a balance of capital growth and interest income by investing primarily in units of an underlying fund in order to gain the desired exposure to the equity and fixed income markets. Strategy of the Fund To emphasize investments in fixed income underlying funds in order to provide income and capital preservation. The Fund also invests, to a lesser extent, in equity underlying funds in order to increase the potential for capital appreciation over a longer investment horizon. The principal risk factors of this Fund are interest rate, foreign currency, credit, sovereign, market, special equities and derivatives risk. Benchmark Percentage FTSE TMX Canada Universe Bond Index 55% Barclays Capital Multiverse (Hedged) 25% S&P/TSX 15% MSCI All Country World Net 5% CIFSC CATEGORY: Global Fixed Income Balanced DFS GIF BALANCED INCOME FRANKLIN QUOTENTIAL Objective of the Fund To provide a balance of capital growth and interest income by investing primarily in units of an individual underlying fund in order to gain the desired exposure to the equity and fixed income markets. Strategy of the Fund To invest in fixed income underlying funds in order to provide income and capital preservation. The Fund also invests in equity underlying funds in order to increase the potential for capital appreciation over a longer investment horizon. The principal risk factors of this Fund are interest rate, foreign currency, credit, sovereign, market, special equities and derivatives risk. Benchmark Percentage FTSE TMX Canada Universe Bond Index 45% S&P/TSX 20% MSCI All-Country World Net 20% Barclays Capital Multiverse (Hedged) 15% CIFSC CATEGORY: Global Neutral Balanced investment information Contract and Information Folder October 2015 57

INDIVIDUAL FUNDS Balanced and Asset Allocation Funds DFS GIF CANADIAN BALANCED FIDELITY Objective of the Fund To achieve high total investment return using a diversified portfolio targeting long-term capital appreciation and a regular income stream through investment in any kind of equity or fixed-income security or money market instrument. The fundamental investment objective of the Fund is to provide investors with a balanced asset mix with the potential for capital growth. Strategy of the Fund Target fixed asset allocation to deliver superior long-term growth potential and reduced levels of risk. The Fund invests primarily in a mix of Canadian equity securities, investment grade bonds, high yield securities and money market instruments. The equity investment decisions are based on a thorough examination of the company, financial conditions and long-term earnings potential. The principal risk factors of this Fund are interest rate risk, special equities risk, derivatives risk, market risk and credit risk. Benchmark Percentage S&P/TSX Capped 50% FTSE TMX Canada Universe Bond Index 40% Merrill Lynch High Yield Master II 10% CIFSC Category: Canadian Neutral Balanced DFS GIF U.S. MONTHLY INCOME FIDELITY Objective of the Fund To achieve a combination of a steady flow of income and the potential for capital gains by investing in a mix of U.S. incomeproducing securities. Strategy of the Fund The Fund invests primarily in a mix of U.S. income-producing securities, either directly or indirectly through investments in underlying funds. The Fund s neutral mix is 50% exposure to equity securities and 50% exposure to fixed-income securities. These securities may be U.S. securities or non-u.s. securities but at least 70% of the Fund s net assets will be invested in U.S. dollardenominated investments. The principal risk factors of this Fund are foreign currency risk, credit risk, market risk and interest rate risk. Benchmark Percentage Russell 3000 Value 40% Barclays Capital US Aggregate Bond 31% Bank of America ML High Yield Master II Constrained 12% FTSE NAREIT Equity REITs Index 7% Bank of America ML all US Convertibles 5% JP Morgan EMBI Global Diversified 5% CIFSC CATEGORY: Global Neutral Balanced 58 Contract and Information Folder October 2015

DFS GIF BALANCED DESJARDINS SOCIETERRA Objective of the Fund To achieve a balance between long-term capital appreciation and income by investing primarily in Canadian, and to a lesser extent, foreign equity and fixed-income securities and/or in units of mutual funds which themselves invest primarily in Canadian or foreign equity and fixed-income securities. The Fund follows a socially responsible approach to investing. Strategy of the Fund To reach the Fund s investment objective, selection of the securities and/or the underlying funds as well as the percentage of the assets that will be invested in each of these securities or underlying funds will be based on the following target weightings: Fixed-income (55%) and Growth (45%). The principal risk factors of this Fund are foreign currency risk, credit risk, market risk and interest rate risk. Benchmark Percentage FTSE TMX Canada Universe Bond Index 55% MSCI World Net 31% S&P/TSX 14% CIFSC CATEGORY: Canadian Neutral Balanced DFS GIF GLOBAL BALANCED JARISLOWSKY FRASER Objective of the Fund To provide investors with an opportunity to achieve a high rate of return by investing in a diversified portfolio consisting of a balance of equity and fixed-income securities of issuers located throughout the world. Strategy of the Fund To provide such an opportunity through a diversified portfolio consisting of a balance of mainly large cap equity and mainly investment grade fixed-income securities of issuers located throughout the world. The principal risk factors of this Fund are interest rate risk, market risk, foreign currency risk and credit risk. Benchmark Percentage FTSE TMX Canada Universe Bond Index 40% S&P/TSX 22% S&P 500 16% MSCI EAFE Net 16% FTSE TMX Canada 91 Day Treasury Bills 6% CIFSC CATEGORY: Global Neutral Balanced investment information Contract and Information Folder October 2015 59

INDIVIDUAL FUNDS Balanced and Asset Allocation Funds DFS GIF CANADIAN BALANCED FIERA CAPITAL Objective of the Fund To provide investors with a balance of capital growth and interest income by investing primarily in Canadian fixed income and equity securities. Strategy of the Fund To provide such a balance by investing a portion of its assets in the common shares of medium and large cap Canadian corporations and the remainder in Canadian government and Canadian investment-grade corporate bonds and other interest-bearing instruments. The principal risk factors of this Fund are interest rate, market, derivative and some minor foreign currency and credit risk. Benchmark Percentage S&P/TSX Capped 40% FTSE TMX Canada Universe Bond Index 30% MSCI World Net 20% FTSE TMX Canada 91-Day Treasury Bills 10% CIFSC CATEGORY: Canadian Neutral Balanced DFS GIF CANADIAN BALANCED FRANKLIN BISSETT Objective of the Fund To provide investors with a balance of current income and longterm capital appreciation primarily through the investment in Canadian fixed-income and equity securities. Strategy of the Fund To provide such an opportunity by investing in a diversified portfolio of Franklin Bissett mutual funds. The underlying funds may invest in foreign securities. The principal risk factors of this Fund are interest rate, market and some minor foreign currency and credit risk. Benchmark Percentage FTSE TMX Canada Universe Bond Index 35.0% S&P/TSX 32.5% S&P 500 10.0% MSCI EAFE Net 10.0% S&P/TSX Small Cap 5.0% Barclays Capital U.S. Aggregate Bond 2.5% J.P. Morgan Global Government Bond 2.5% MSCI Emerging Markets Net 2.5% CIFSC CATEGORY: Canadian Neutral Balanced 60 Contract and Information Folder October 2015

DFS GIF BALANCED GROWTH FRANKLIN QUOTENTIAL Objective of the Fund To provide a balance of capital growth and interest income by investing primarily in units of an individual underlying fund in order to gain the desired exposure to the equity and fixed income markets. DFS GIF CANADIAN BALANCED CI SIGNATURE Objective of the Fund To provide investors with an attractive balance of current income and capital appreciation by investing primarily in a combination of Canadian equity and equity-related securities and fixed income securities. Strategy of the Fund To emphasize investments in equity underlying funds in order to increase the potential for capital appreciation over a longer investment horizon. The Fund also invests, to a lesser extent, in fixed income underlying funds in order to provide stability. The principal risk factors of this Fund are interest rate, foreign currency, credit, sovereign, market, special equities and derivatives risk. Benchmark Percentage FTSE TMX Canada Universe Bond Index 30% S&P/TSX 30% MSCI All-Country World Net 30% Barclays Capital Multiverse (Hedged) 10% CIFSC CATEGORY: Global Equity Balanced Strategy of the Fund For the equity portion, the Fund invests primarily in companies providing a stable income or consistent dividends. For the fixed income portion, the portfolio advisor selects high-quality fixed income securities, including bank loans and floating rate debt instruments but may choose to shift the weighting of the portion of the Fund held in bonds with longer terms to maturity depending on the expected fluctuations in interest rates. The Fund may also invest in foreign securities as well as warrants, and derivatives, the latter to aid in hedging against potential losses resulting from changes in the prices of the securities that the Fund has invested in as well as any exposure from foreign currencies. The principal risk factors of this Fund are credit risk, interest rate risk, special equities risk, market risk, foreign currency risk and derivatives risk. Benchmark Percentage FTSE TMX Canada Universe Bond Index 40% S&P/TSX 30% MSCI All Country World Net 30% CIFSC CATEGORY: Canadian Neutral Balanced investment information Contract and Information Folder October 2015 61

INDIVIDUAL FUNDS Balanced and Asset Allocation Funds DFS GIF INCOME AND GROWTH CI SIGNATURE Objective of the Fund The objective of this Fund is to provide a steady flow of current income while preserving capital by obtaining exposure primarily to equity, equity related and fixed income securities of Canadian issuers. Strategy of the Fund The Fund invests in a combination of equity, fixed income and derivatives. Broadly diversified by sector and style, preferred and common shares make up portions of the Fund s investments in equity securities. The fixed income portion of the Fund s investments is comprised of high-yielding government and corporate bonds, debentures and notes, including some securities that are unrated or have credit ratings below investment grade. The Fund may also invest in real estate investment trusts (REITs), royalty trusts, income trusts and other similar high yielding instruments. The principal risk factors of this Fund are market risk, derivatives risk, currency risk, credit risk, and interest rate risk. Benchmark Percentage S&P/TSX 30% MSCI All Country World Net 30% FTSE TMX Canada Universe Bond Index 15% Merrill Lynch U.S. High Yield Master II 15% S&P/TSX Equity Income 10% CIFSC CATEGORY: Global Neutral Balanced DFS GIF GROWTH AND INCOME NEI NORTHWEST Objective of the Fund To provide a consistent stream of income and capital appreciation by investing primarily in a mix of Canadian equities and fixedincome securities. Strategy of the Fund To invest in a diversified portfolio consisting primarily of a balance of large cap equity and investment grade fixed-income securities issued principally by Canadian issuers. The principal risk factors of this Fund are interest rate, market, some minor foreign currency and credit risk. Benchmark Percentage S&P/TSX 55% FTSE TMX Canada Universe Bond Index 25% MSCI World Net 20% CIFSC CATEGORY: Global Equity Balanced DFS GIF GLOBAL GROWTH NEI SELECT Objective of the Fund To provide a balance of capital growth and interest income by investing primarily in units of individual underlying funds in order to gain the desired exposure to the equity and fixed income markets. Strategy of the Fund To emphasize investments in equity underlying funds in order to increase the potential for capital appreciation over a longer investment horizon. The Fund also invests to a lesser extent, in fixed income underlying funds in order to provide income and capital preservation. The principal risk factors of this Fund are interest rate, credit, foreign currency, sovereign, market and derivatives risk. Benchmark Percentage MSCI World Net 56% FTSE TMX Canada Universe Bond Index 30% S&P/TSX 14% CIFSC CATEGORY: Global Equity Balanced 62 Contract and Information Folder October 2015

DFS GIF CANADIAN ASSET ALLOCATION CI CAMBRIDGE Objective of the Fund The objective of this Fund is to achieve a superior total investment return directly or indirectly, in a combination of primarily equity and fixed income securities of Canadian companies. Indirect investments may include convertible securities, derivatives, equity-related securities and securities of other mutual funds. Strategy of the Fund The Fund is actively managed with a disciplined bottom-up selection process. The strategy uses exposure in equity, fixed income instruments and cash and cash equivalents to achieve the Fund objective. The investments in each asset class will vary dependent on market conditions. The Canadian fixed income securities portion of the portfolio will consist mainly of high quality government and corporate bonds while foreign securities can make up part of the equity portion of the portfolio. The principal risk factors for this Fund are market risk, credit risk, currency risk, derivatives risk and interest rate risk. Benchmark Percentage S&P/TSX 60% FTSE TMX Canada Universe Bond Index 40% DFS GIF GROWTH FRANKLIN QUOTENTIAL Objective of the Fund To provide a balance of capital growth and interest income by investing primarily in units of an individual underlying fund in order to gain the desired exposure to the equity and fixed income markets. Strategy of the Fund To emphasize investments in a diversified mix of equity underlying funds in order to increase the potential for capital appreciation over a longer investment horizon. The Fund also invests, to a lesser extent, in fixed income underlying funds in order to provide income and capital preservation. The principal risk factors of this Fund are interest rate, foreign currency, credit, sovereign, market, special equities and derivatives risk. Benchmark Percentage MSCI All-Country World Net 45% S&P/TSX 35% FTSE TMX Canada Universe Bond Index 15% Barclays Capital Multiverse (Hedged) 5% CIFSC CATEGORY: Global Equity Balanced CIFSC CATEGORY: Tactical Balanced investment information Contract and Information Folder October 2015 63

INDIVIDUAL FUNDS Canadian Equity Funds DFS GIF DIVIDEND INCOME FRANKLIN BISSETT Objective of the Fund To provide the investor with a consistent return through investment in dividend paying common shares and preferred shares. Strategy of the Fund To invest in a diversified portfolio of large cap Canadian issuer preferred shares and common shares as well as common shares of large cap United States issuers with long histories of dividend growth. From time to time the Fund also invests in investment grade interest-bearing securities to a maximum of 25% of the total assets of the Fund. The principal risk factors of this Fund are interest rate, foreign currency, credit and market risk. Benchmark Percentage S&P/TSX 60% S&P 500 20% FTSE TMX Canada Universe Bond Index 15% S&P/TSX Preferred Shares 5% CIFSC CATEGORY: Canadian Equity Balanced DFS GIF CANADIAN DIVIDEND NEI NORTHWEST Objective of the Fund The objective of this Fund is to achieve a balance between high dividend income and capital growth by investing mainly in a diversified portfolio of blue chip Canadian common stocks and, to a lesser extent, in high-yield preferred stocks and interest bearing securities. Strategy of the Fund The Fund invests in primarily blue chip common stocks but may also invest in preferred stocks, bonds, purchase warrants and rights, royalty trusts and income trusts with preference given to capital growth while still providing a high regular level of income. Quality liquid corporations whose management has built shareholder value over time not to mention a proven ability to generate free cash flow, supporting growth and profitability as well as providing management with the ability to make strategic acquisitions, buy back stock and pay increasing dividends are preferred investments for this Fund. While equity securities including preferred stocks providing stable income are favoured, any small, mid and large capitalization Canadian corporations in a variety of industries meeting these criteria will be considered. The principal risk factors of this Fund are foreign currency risk, market risk, and interest rate risk. Benchmark S&P/TSX CIFSC CATEGORY: Canadian Dividend & Income Equity 64 Contract and Information Folder October 2015

DFS GIF CANADIAN EQUITY JARISLOWSKY FRASER Objective of the Fund To achieve long-term capital appreciation while continuing to emphasize the preservation of capital by investing primarily in large cap Canadian equity securities. Strategy of the Fund To invest primarily in Canadian equity securities in areas of the Canadian economy where superior rates of growth are expected. The principal risk factor of this Fund is market risk. Benchmark S&P/TSX CIFSC CATEGORY: Canadian Equity DFS GIF CANADIAN EQUITY FIDELITY TRUE NORTH Objective of the Fund To achieve strong long-term capital growth by investing primarily in equity securities of Canadian companies that have a history of strong capital growth over the long-term. The fundamental investment of this Fund is to achieve long-term capital appreciation while still emphasizing the preservation of capital by investing primarily in Canadian equity securities. Strategy of the Fund To invest primarily in small, medium and large Canadian companies. The Fund may also invest in a limited portion of foreign securities. The Fund may also use, to a lesser degree, derivatives such as options, futures, forward contracts and swaps to protect against losses caused by changes in stock prices or exchange rates. The principal risk factors of this Fund are special equities risk, derivatives risk, market risk, interest rate risk, foreign currency risk and credit risk. Benchmark S&P/TSX Capped CIFSC CATEGORY: Canadian Equity investment information Contract and Information Folder October 2015 65

INDIVIDUAL FUNDS Canadian Equity Funds DFS GIF CANADIAN EQUITY FRANKLIN BISSETT Objective of the Fund The fundamental investment objective of this Fund is to achieve long-term capital appreciation while continuing to emphasize the preservation of capital by investing primarily in Canadian equity securities. Strategy of the Fund To invest primarily in mid to large cap Canadian equity securities of growth-oriented companies. The Fund may also have a foreign equity component. The principal risk factors of this Fund are market and minor foreign currency risk. Benchmark S&P/TSX DFS GIF CANADIAN EQUITY FIERA CAPITAL Objective of the Fund To provide investors with long-term capital growth by investing primarily in Canadian equity securities. Strategy of the Fund To invest primarily in the common shares of medium and large cap Canadian securities of growth-oriented companies. The principal risk factors of this Fund are market and derivatives risk, with some minor foreign currency risk. Benchmark S&P/TSX Capped CIFSC CATEGORY: Canadian Equity CIFSC CATEGORY: Canadian Equity 66 Contract and Information Folder October 2015

DFS GIF SPECIALTY EQUITY NEI NORTHWEST Objective of the Fund To achieve capital appreciation over the longer term by investing primarily in the equity of smaller, fast growing Canadian companies with small market capitalizations under a billion dollars. Strategy of the Fund To invest primarily in common shares and other equity securities issued by companies that are financially strong and have distinct competitive advantages at relative valuations. The principal risk factors of this Fund are special equities and market risk. DFS GIF SMALL CAP FRANKLIN BISSETT Objective of the Fund To provide investors with long-term capital appreciation. The Fund invests mainly in shares of Canadian companies with small to medium market capitalizations which are expected to provide above-average returns. Strategy of the Fund To be fully diversified at all times to compensate for the volatility inherent in investing in small capitalization equities. The principal risk factors of this Fund are market, special equities and foreign currency risk. Benchmark Percentage Benchmark S&P/TSX Small Cap 60% S&P/TSX Completion 40% CIFSC CATEGORY: Canadian Small/Mid Cap Equity S&P/TSX Small Cap CIFSC CATEGORY: Canadian Small/Mid Cap Equity investment information Contract and Information Folder October 2015 67

INDIVIDUAL FUNDS Foreign Equity Funds DFS GIF AMERICAN EQUITY MFS Objective of the Fund To outperform the S&P 500. Strategy of the Fund To invest mainly in large cap equity securities of corporations located in the United States. The principal risk factors of this Fund are special equity, foreign currency and market risk. Benchmark S&P 500 CIFSC Category: U.S. Equity DFS GIF AMERICAN EQUITY VALUE DESJARDINS Objective of the Fund To provide investors with long-term capital growth by investing primarily in U.S. equities. Strategy of the Fund To invest primarily in the common shares of high quality, publicly traded mid to large United States companies across a wide range of market sectors. The principal risk factors of this Fund are foreign currency, derivatives and market risk. DFS GIF GLOBAL DIVIDEND DESJARDINS Objective of the Fund The objective of this Fund is to provide dividend income and long term capital appreciation through the investment in equity and equity related securities of companies around the world, including, when deemed appropriate, emerging markets. Strategy of the Fund In order to achieve its investment objective, the Fund invests in companies with high dividend yields and whose management teams optimize their balance sheets through the redemption of shares or reducing debt or by opting to increase cash flows sufficiently to allow for the opportunity for dividend growth. Companies are selected which show stable or high profit growth, a lower than average debt in comparison to their industry average and whose securities are traded at a reasonable price in relation to other companies with similar characteristics. Equity related securities such as American Depositary Receipts (ADRs) and Global Depositary Receipts (GDRs) may be used to gain exposure to a particular stock or sector. The principal risk factors of this Fund are foreign currency risk, derivatives risk, sovereign risk and market risk. Benchmark MSCI World Net CIFSC CATEGORY: Global Equity Benchmark Russell 1000 Value CIFSC Category: U.S. Equity 68 Contract and Information Folder October 2015

DFS GIF GLOBAL EQUITY MFS Objective of the Fund To achieve long-term capital growth by investing primarily in equity securities. Strategy of the Fund To control the level of volatility of return relative to the overall stock markets by maintaining strong geographic diversification and by investing in attractively-valued securities. The Fund will primarily invest in common stocks of American, European, and Asian corporations. The principal risk factors of this Fund are foreign currency, derivatives, sovereign and market risk. Benchmark MSCI All Country World Net CIFSC Category: Global Equity DFS GIF INTERNATIONAL EQUITY MFS Objective of the Fund The fundamental investment objective of this Fund is to provide investors with long-term capital growth based on an internationally diversified equity portfolio by investing primarily in Europe and the Far East. DFS GIF INTERNATIONAL EQUITY GROWTH DESJARDINS Objective of the Fund The objective of this Fund is to achieve long-term capital growth by investing in equity and equity related securities of companies located or operating outside of North America, while when appropriate, also investing in equity and equity related securities of companies located or operating in emerging markets. Strategy of the Fund Investment decisions are backed by extensive research and analysis with preference given to those companies that can sustain above average growth in earnings and cash flow and whose securities are traded at a reasonable price. The investment approach involves a bottom-up, stock driven approach to country and sector allocation and more specifically, those companies with sustainable competitive advantages and strong management teams operating in a favourable market background and display solid financial characteristics. The principal risk factors of this Fund are market risk, derivatives risk, foreign currency risk, and sovereign risk. Benchmark MSCI EAFE Net CIFSC Category: International Equity Strategy of the Fund To invest its assets primarily in the common shares of large corporations with attractive relative valuations located in many countries. The principal risk factors of this Fund are foreign currency, derivatives, sovereign and market risk. Benchmark MSCI EAFE Net CIFSC Category: International Equity investment information Contract and Information Folder October 2015 69

70 Contract and Information Folder October 2015

Fund Facts Desjardins Financial Security Guaranteed Investment Funds This section of the Contract and Information Folder contains individual Funds Facts for each Fund available through your Helios2 Contract. You can choose to invest in one or more of these Funds. The individual Fund Facts give you an idea of what each Fund invests in, how it has performed and what fees or charges may apply. We show performance data for our Funds, which include tables, charts and graphs. The tables show selected key financial information about each Fund and are intended to help you understand each Fund s financial performance since inception. This information is derived from that particular Fund s audited annual financial statements. The returns shown in these Fund Facts assume no withdrawals are made. It is important to remember that how the Fund has performed in the past does not necessarily indicate how it will perform in the future. Further information about the holdings of the underlying funds is available upon request. The description of each Fund in the individual Fund Facts is not complete without the following description of What if I change my mind and For more information. What if I change my mind? You can cancel your Contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent purchases you make under the Contract within the earlier of two business days of the date you received confirmation or five business days after it is mailed to you. In this case, the right to cancel only applies to the new purchase. You have to tell your insurer in writing, by email, fax or letter, that you want to cancel. The amount returned will be the lesser of your Deposit or its value, if it has gone down. The amount returned only applies to the specific purchase and will include a refund of any sales charges or other fees you paid. For more information This summary may not contain all the information you need. Please read the Contract and Information Folder. You may also contact us at: Desjardins Financial Security Mailing Address: 1 Complexe Desjardins, P.O. Box 9000, Montreal, QC H5B 1H5 Website: desjardinslifeinsurance.com Email address: gifclientservice@dfs.ca Telephone: 1-888-729-3422 Fax Number: 1-888-926-2987 fund facts Contract and Information Folder October 2015 71

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CONSERVATIVE Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: February 24, 2014 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 2,850 Series 7: 20 Net Asset Value per Unit: Series 6: 5.18 Series 7: 5.19 Number of Units Outstanding (000 s): Series 6: 550 Series 7: 4 Management Expense Ratio (MER): Series 6: 2.49% Series 7: 2.01% Portfolio Manager: Multi-managers Portfolio Turnover Rate: 11.83 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in bond (80%) and equity (20%) underlying funds. Top investments* DGIA Canadian Bond Fund 56.0% Desjardins Enhanced Bond Fund 24.0% BlackRock CAN U.S. Equity Index Fund 6.0% Desjardins Overseas Equity Value Fund 3.0% Desjardins Overseas Equity Growth Fund 3.0% Bissett Canadian Equity Fund 2.7% BlackRock Active Canadian Equity DC Fund 2.7% Fidelity True North Fund 2.7% TOTAL 100.1% TOTAL INVESTMENTS: 8 DSF * The FPG underlying Sécuritaire funds were changed on October 19, 2015. DFS GIF Conservative Investment Allocation as at December 31, 2014 4. How has the Fund performed? This section tells you how the Fund has performed for a Contract Owner who chose Helios2 75/75. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,036. This works out to an average of 3.6% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,039. This works out to an average of 3.9% a year. Year-by-year returns This chart shows how the Fund has performed in the past year for a Contract Owner who chose Helios2 75/75. Since February 24, 2014, the Fund went up in value. 79.8% Canadian Bonds 8.0% Canadian Equity 6.2% American Equity 5.9% International Equity 0.1% Cash / Money Market % 5.0 2.5 3.60 3.88 0.0-2.5-5.0 Series 6 Series 7 2014* * Return is for a partial year from date first offered for sale. $ 11 000 (2) 10 474 $ 72 Contract and Information Folder October 2015 10 500 (1) 10 250 $

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking security of capital. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 73

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CONSERVATIVE Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.49% 2.01% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 0.80% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.50% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 74 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF MODERATE Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: February 24, 2014 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 5,035 Series 7: 327 Net Asset Value per Unit: Series 6: 5.21 Series 7: 5.23 Number of Units Outstanding (000 s): Series 6: 967 Series 7: 62 Management Expense Ratio (MER): Series 6: 2.51% Series 7: 1.90% Portfolio Manager: Multi-managers Portfolio Turnover Rate: 5.15 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in bond (65%) and equity (35%) underlying funds. Top investments* DGIA Canadian Bond Fund 45.5% Desjardins Enhanced Bond Fund 19.5% BlackRock CAN U.S. Equity Index Fund 10.5% Desjardins Overseas Equity Value Fund 5.3% Desjardins Overseas Equity Growth Fund 5.3% Bissett Canadian Equity Fund 4.7% BlackRock Active Canadian Equity DC Fund 4.7% Fidelity True North Fund 4.7% TOTAL 100.2% TOTAL INVESTMENTS: 8 DSF * FPG The underlying Modéré funds were changed on October 19, 2015. DFS GIF Moderate Investment Allocation as at December 31, 2014 4. How has the Fund performed? This section tells you how the Fund has performed for a Contract Owner who chose Helios2 75/75. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,042. This works out to an average of 4.2% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,045. This works out to an average of 4.5% a year. Year-by-year returns This chart shows how the Fund has performed in the past year for a Contract Owner who chose Helios2 75/75. Since February 24, 2014, the Fund went up in value. % 10 64.4% Canadian Bonds 13.5% Canadian Equity 10.4% American Equity 10.2% International Equity 1.5% Cash / Money Market 5 4.15 4.52 0-5 2014* fund facts Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 Contract and Information Folder October 2015 75 10 500 (2) 10 474 $ (1) 10 250 $

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF MODERATE Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect a Contract Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking a conservative capital growth and interest income. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5 % 5.0 % 5.0 % 4.0 % 4.0 % 3.0 % 2.0 % 0.0 % There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 76 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.51% 1.90% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 0.90% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.55% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 77

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF BALANCED Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: February 24, 2014 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 8,868 Series 7: 729 Net Asset Value per Unit: Series 6: 5.21 Series 7: 5.24 Number of Units Outstanding (000 s): Series 6: 1,703 Series 7: 139 Management Expense Ratio (MER): Series 6: 2.57% Series 7: 2.13% Portfolio Manager: Multi-managers Portfolio Turnover Rate: 10.00 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in bond (50%) and equity (50%) underlying funds. Top investments* DGIA Canadian Bond Fund 35.0% Desjardins Enhanced Bond Fund 15.0% BlackRock CAN U.S. Equity Index Fund 15.0% Desjardins Overseas Equity Value Fund 7.5% Desjardins Overseas Equity Growth Fund 7.5% Bissett Canadian Equity Fund 6.7% BlackRock Active Canadian Equity DC Fund 6.7% Fidelity True North Fund 6.7% TOTAL 100.1% TOTAL INVESTMENTS: 8 DSF * FPG The underlying Équilibré funds were changed on October 19, 2015. DFS GIF Balanced Investment Allocation as at December 31, 2014 4. How has the Fund performed? This section tells you how the Fund has performed for a Contract Owner who chose Helios2 75/75. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,042. This works out to an average of 4.2% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,047. This works out to an average of 4.7% a year. Year-by-year returns This chart shows how the Fund has performed in the past year for a Contract Owner who chose Helios2 75/75. Since February 24, 2014, the Fund went up in value. % 10 49.2% Canadian Bonds 19.7% Canadian Equity 15.3% American Equity 14.6% International Equity 1.2% Cash / Money Market 5 4.17 4.72 0-5 Series 6 Series 7 2014* * Return is for a partial year from date first offered for sale. $ 11 000 78 Contract and Information Folder October 2015 10 500 (2) 10 474 $ (1) 10 250 $

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect a Contract Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking a balance of current income and capital appreciation. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 79

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF BALANCED Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.57% 2.13% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 0.90% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 80 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GROWTH Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: February 24, 2014 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 4,794 Series 7: 497 Net Asset Value per Unit: Series 6: 5.26 Series 7: 5.28 Number of Units Outstanding (000 s): Series 6: 911 Series 7: 94 Management Expense Ratio (MER): Series 6: 2.68% Series 7: 2.18% Portfolio Manager: Multi-managers Portfolio Turnover Rate: 26.92 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in bond (35%) and equity (65%) underlying funds. Top investments* DGIA Canadian Bond Fund 24.5% BlackRock CAN U.S. Equity Index Fund 19.5% Desjardins Enhanced Bond Fund 10.5% Desjardins Overseas Equity Value Fund 9.8% Desjardins Overseas Equity Growth Fund 9.8% Bissett Canadian Equity Fund 8.7% BlackRock Active Canadian Equity DC Fund 8.7% Fidelity True North Fund 8.7% TOTAL 100.2% TOTAL INVESTMENTS: 8 DSF * FPG The underlying Croissance funds were changed on October 19, 2015. DFS Investment GIF Growth Allocation as at December 31, 2014 4. How has the Fund performed? This section tells you how the Fund has performed for a Contract Owner who chose Helios2 75/75. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,053. This works out to an average of 5.3% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,056. This works out to an average of 5.6% a year. Year-by-year returns This chart shows how the Fund has performed in the past year for a Contract Owner who chose Helios2 75/75. Since February 24, 2014, the Fund went up in value. % 10 34.3% Canadian Bonds 25.1% Canadian Equity 35,0 % Obligations canadiennes 19.7% American Equity 26,0 % Actions canadiennes 18.7% International 19,5 Equity % Actions américaines 2.3% Cash / Money 19,5 Market % Actions internationales 5 5.27 5.60 0-5 Series 6 Series 7 2014* fund facts * Return is for a partial year from date first offered for sale. $ 11 000 Contract and Information Folder October 2015 81 10 500 (2) 10 474 $ (1) 10 250 $

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GROWTH Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long term capital growth and income. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 82 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.68% 2.18% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i, you will have to pay both the MER Helios2 75/100 GLWB and the additional guarantee fee. 1.15% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 83

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF MAXIMUM GROWTH Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: February 24, 2014 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 1,008 Series 7: 20 Net Asset Value per Unit: Series 6: 5.24 Series 7: 5.27 Number of Units Outstanding (000 s): Series 6: 192 Series 7: 4 Management Expense Ratio (MER): Series 6: 2.71% Series 7: 2.24% Portfolio Manager: Multi-managers Portfolio Turnover Rate: 3.75 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in bond (20%) and equity (80%) underlying funds. Top investments* BlackRock CAN U.S. Equity Index Fund 24.0% DGIA Canadian Bond Fund 14.0% Desjardins Overseas Equity Value Fund 12.0% Desjardins Overseas Equity Growth Fund 12.0% Bissett Canadian Equity Fund 10.7% BlackRock Active Canadian Equity DC Fund 10.7% Fidelity True North Fund 10.7% Desjardins Enhanced Bond Fund 6.0% TOTAL 100.1% TOTAL INVESTMENTS: 8 DSF * FPG The underlying Croissance funds Maximale were changed on October 19, 2015. DFS Investment GIF Maximum Allocation Growth as at December 31, 2014 4. How has the Fund performed? This section tells you how the Fund has performed for a Contract Owner who chose Helios2 75/75. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,049. This works out to an average of 4.9% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,054. This works out to an average of 5.4% a year. Year-by-year returns This chart shows how the Fund has performed in the past year for a Contract Owner who chose Helios2 75/75. Since February 24, 2014, the Fund went up in value. % 10 31.5% Canadian Equity 25.0% American Equity 32,0 % Actions canadiennes 23.4% International Equity 24,0 % Actions américaines 19.9% Canadian Bonds 24,0 % Actions internationales 0.2% Cash / Money Market 5 20,0 % Obligations canadiennes 4.88 5.39 0-5 Series 6 Series 7 2014* * Return is for a partial year from date first offered for sale. $ 11 000 84 Contract and Information Folder October 2015 10 500 (2) 10 474 $ (1) 10 250 $

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long term capital growth. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 85

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF MAXIMUM GROWTH Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.71% 2.24% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 86 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF MONEY MARKET Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: November 15, 1995 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 1,628 Series 7: 843 Net Asset Value per Unit: Series 6: 5.01 Series 7: 5.03 Number of Units Outstanding (000 s): Series 6: 325 Series 7: 167 3. What does this Fund invest in? This Fund invests in the DGIA Money Market Fund. The underlying fund invests in Canadian treasury bills and bankers acceptances. Top ten investments of the underlying fund Plenary Health Care Partnerships Humber, 2.633%, May 18, 2015 9.6% Manulife Financial Corporation, 4.079%, August 20, 2015 9.4% Daimler Canada Finance, Floating Rate, July 16, 2015 9.3% Toronto-Dominion Bank, 5.48%, April 2, 2020 9.3% Royal Bank of Canada, 4.35%, June 15, 2020 9.2% Canadian Imperial Bank of Commerce, 3.40%, January 14, 2016 8.9% Hydro-Québec, Stripped, February 15, 2015 7.0% National Bank of Canada, 4.03%, May 26, 2015 5.9% BMW Canada, Floating Rate, February 24, 2017 4.6% Financement-Québec, Stripped, December 1, 2015 4.4% TOTAL 77.6% Money TOTAL Market INVESTMENTS: 25 Marché Investment monétaire Allocation as at December 31, 2014 Management Expense Ratio (MER): Series 6: 1.10% Series 7: 0.63% Portfolio Manager: Desjardins Global Asset Management Portfolio Turnover Rate: N/A Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,021. This works out to an average of 0.3% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,001. This works out to an average of 0.1% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,006. This works out to an average of 0.6% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 5.0 2.5 2.34 83.0% Corporate Bonds 15.8% Provincial Bonds 0.8% Bankers Acceptances 0.4% Cash / Money Market 0.0 0.42-0.26-0.54-0.08 0.01 0.23 0.11 0.64 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. Contract and Information Folder October 2015 (1) 1087 250 $ -2.5-5.0 $ 11 000 10 500 2007* 2008 2009 2010 2011 Series 5 Series 6 Series 7 2012 2013 * Return is for a partial year from date first offered for sale. 2014* (2) 10 474 $ fund facts 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF MONEY MARKET Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking liquidity and security of capital. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 88 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 1.10% 0.63% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 0.25% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.25% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 0.25% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.00% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 0.25% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.00% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.20% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 89

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF INCOME FIERA CAPITAL Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: November 15, 1995 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 2,513 Series 7: 60 Net Asset Value per Unit: Series 6: 5.22 Series 7: 5.24 Number of Units Outstanding (000 s): Series 6: 482 Series 7: 11 3. What does this Fund invest in? This Fund invests mainly in Canadian bonds. Top ten investments Government of Canada, 1.50%, February 1, 2017 14.0% Province of Ontario, 2.85%, June 2, 2023 7.7% Province of Ontario, 3.50%, June 2, 2024 3.5% Canadian Imperial Bank of Commerce, 2.35%, October 18, 2017 3.4% Ontario School Boards Financing Corporation, 7.20%, June 9, 2025 3.1% Province of Ontario, 3.45%, June 2, 2045 3.1% Province of Quebec, 4.50%, December 1, 2019 3.1% Toronto-Dominion Bank, 5.763%, December 18, 2106 2.8% Royal Office Finance, 5.209%, November 12, 2032 2.3% Royal Bank of Canada, 2.99%, December 6, 2024 2.1% TOTAL 45.1% Income TOTAL Fiera INVESTMENTS: 95 Revenu Fiera Investment Allocation as at December 31, 2014 Management Expense Ratio (MER): Series 6: 1.79% Series 7: 1.31% Portfolio Manager: Fiera Capital Corporation Portfolio Turnover Rate: 198.10 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,271. This works out to an average of 4.0% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,044. This works out to an average of 4.4% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,048. This works out to an average of 4.8% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 7 years and down in value 1 year of the 8. % 10 8.45 40.5% Corporate Bonds 32.0% Provincial Bonds 17.4% Federal Bonds 6.5% Municipal Bonds 1.7% Mortgage-Backed Securities 1.3% Cash / Money Market 0.6% Asset-Backed Securities 5 1.94 5.56 4.06 5.61 2.53 4.40 4.84 0 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. $ 11 000-3.33-5 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. 10 500 (2) 10 474 $ 90 Contract and Information Folder October (1) 2015 10 250 $ 10 000

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking interest income with the potential for capital growth. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 91

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF INCOME FIERA CAPITAL Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 1.79% 1.31% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 0.45% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.35% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 0.50% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.15% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 0.50% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.15% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.45% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 92 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN BOND Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: October 19, 2015 Series 6: October 19, 2015 Series 7: October 19, 2015 Total Value (000 s): Series 6: N/A Series 7: N/A Net Asset Value per Unit: Series 6: N/A Series 7: N/A Number of Units Outstanding (000 s): Series 6: N/A Series 7: N/A Management Expense Ratio (MER): Series 6: 1.75% Series 7: 1.32% Portfolio Manager: Desjardins Global Asset Management Portfolio Turnover Rate: N/A Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in the DGIA Canadian Bond Fund. The underlying fund invests primarily in Canadian government and corporate bonds. Top ten investments of the underlying fund Canada Hsg Tr No 1 2%, December 15, 2019 8.6% Canada Hsg Tr No 1 2.35%, December 15, 2018 6.1% Canada Hsg Tr No 1 2.4%, December 15, 2022 3.7% Ontario Prov Cda 2.85%, June 2, 2023 3.3% Canada Hsg Tr No 1 1.75%, June 15, 2018 3.3% Canada Hsg Tr No 1 3.8%, June 15, 2021 3.1% Ontario Prov Cda 4.2%, June 2, 2020 2.6% Finl Que Med Term Nts 5.25%, June 1 st, 2034 2.4% Prov Of Quebec 3.5%, December 1 st, 2045 2.4% Muskrat Falls/Labrador 3.83%, June 1 st, 2037 2.2% TOTAL 37.7% Income TOTAL Fiera INVESTMENTS: 461 Revenu Fiera Investment Allocation as at December 31, 2014 4. How has the Fund performed? This section tells you how the Fund has performed for a Contract Owner who chose Helios2 75/75. Returns are after the MER has been deducted. The performance shown is for the underlying fund. It's important to note that this doesn't tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. Average return This Fund was launched on October 19, 2015. A Contract Owner who deposited $1,000 in the underlying fund since its inception will now have $1,073.84. This works out to an average of 3.63% a year. Year-by-year returns This Fund was launched on October 19, 2015. The underlying fund went up in value 1 year and down in value 1 year of the 2. % 20 10 8.81 97.9% Cash and Cash Equivalents 2.1% Fixed Income 0-1.31-10 2013* 2014 * Return is for a partial year from date first offered for sale. fund facts Contract and Information Folder October 2015 93

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN BOND Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner's Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking interest income with stability of capital. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 94 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don't pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 1.75% 1.32% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 0.45% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.35% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 0.50% of the market value of the Units attributed to this Fee Option each year. Low Load 0.15% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 0.50% of the market value of the Units attributed to this Fee Option each year thereafter. Deferred Sales Charge 0.15% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.45% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but this is not limited to transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 95

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF DIVERSIFIED INCOME FRANKLIN QUOTENTIAL Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: October 30, 2000 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 7,619 Series 7: 120 Net Asset Value per Unit: Series 6: 5.10 Series 7: 5.13 Number of Units Outstanding (000 s): Series 6: 1,494 Series 7: 23 3. What does this Fund invest in? This Fund invests in the Franklin Quotential Diversified Income Portfolio. The underlying fund invests in bond (80%) and equity (20%) funds. Top ten investments of the underlying fund Franklin Bissett Bond Fund 31.1% Templeton Global Bond Fund 13.1% ishares Intermediate Credit Bond ETF 7.8% Franklin Bissett Canadian Short Term Bond Fund 6.3% Franklin Strategic Income Fund 6.1% Franklin Mutual European Fund 5.3% Franklin U.S. Rising Dividends Fund 5.3% Franklin Bissett Canadian Dividend Fund 3.8% Cash and Cash Equivalents 3.6% Templeton Emerging Markets Fund 3.0% TOTAL 85.4% Diversified TOTAL INVESTMENTS: Income Quotential 18 Revenu diversifié Quotentiel Investment Allocation as at December 31, 2014 Management Expense Ratio (MER): Series 6: 2.68% Series 7: 2.27% Portfolio Manager: Franklin Templeton Investments Corp. Portfolio Turnover Rate: 8.36 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,257. This works out to an average of 3.8% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,020. This works out to an average of 2.0% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,026. This works out to an average of 2.6% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 6 years and down in value 2 years of the 8. % 20 14.33 37.4% Canadian Bonds 19.2% Foreign Bonds 12.2% Derivative Financial Instruments 11.5% Foreign Equity 8.1% American Equity 8.0% Canadian Equity 3.6% Cash / Money Market 10 0-0.20 7.94 2.32 5.90 4.82 2.02 2.59 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -10-10.12-20 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 10 500 (2) 10 474 $ 96 Contract and Information Folder October 2015 10 000 (1) 10 250 $

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking security of capital. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 97

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF DIVERSIFIED INCOME FRANKLIN QUOTENTIAL Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.68% 2.27% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 0.90% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.65% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 98 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF BALANCED INCOME FRANKLIN QUOTENTIAL Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: October 30, 2000 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 4,616 Series 7: 1,515 Net Asset Value per Unit: Series 6: 5.17 Series 7: 5.19 Number of Units Outstanding (000 s): Series 6: 893 Series 7: 292 Management Expense Ratio (MER): Series 6: 2.75% Series 7: 2.30% Portfolio Manager: Franklin Templeton Investments Corp. Portfolio Turnover Rate: 4.80 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in the Franklin Quotential Balanced Income Portfolio. The underlying fund invests in bond (60%) and equity (40%) funds. Top ten investments of the underlying fund Franklin Bissett Bond Fund 29.7% Templeton Global Bond Fund 8.9% Franklin Bissett Canadian Equity Fund 4.6% Franklin U.S. Core Equity Fund 4.5% Franklin Mutual European Fund 4.5% Templeton Asian Growth Fund 4.1% Franklin Flex Cap Growth Fund 4.0% ishares Intermediate Credit Bond ETF 3.7% WisdomTree Japan Hedged Equity Fund 3.5% Franklin Bisset All Canadian Focus Fund 3.4% TOTAL 70.9% Balanced TOTAL Income INVESTMENTS: Quotential 29 Équilibré de revenu Quotentiel Investment Allocation as at December 31, 2014 It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,167. This works out to an average of 2.5% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,034. This works out to an average of 3.4% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,037. This works out to an average of 3.7% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 30 29.7% Canadian Bonds 15.9% Derivative Financial Instruments 13.9% American Equity 12.9% Foreign Equity 12.3% Canadian Equity 12.2% Foreign Bonds 3.2% Cash / Money Market 20 10 0-1.03 19.95 7.95-2.07 5.14 9.16 3.36 3.70-10 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -20-18.96-30 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 fund facts 10 500 (2) 10 474 $ Contract and Information Folder October 2015 (1) 10 250 99$ 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF BALANCED INCOME FRANKLIN QUOTENTIAL Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking security and potential long term capital growth. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 100 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.75% 2.30% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 0.95% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.65% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 101

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN BALANCED FIDELITY Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: December 1, 2008 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 7,893 Series 7: 410 Net Asset Value per Unit: Series 6: 5.33 Series 7: 5.34 Number of Units Outstanding (000 s): Series 6: 1,482 Series 7: 77 3. What does this Fund invest in? This Fund invests in the Fidelity Canadian Balanced Fund. The underlying fund invests in Canadian bonds (40%), Canadian equities (50%), as well as high yield bonds (10%). Top ten investments of the underlying fund Valeant Pharmaceuticals International 4.0% Royal Bank of Canada 3.5% Toronto-Dominion Bank 3.1% Canadian Pacific Railway 2.8% Magna International 2.7% Restaurant Brands International Inc. 2.4% Brookfield Asset Management 2.0% Gildan Activewear 1.9% Spirit Airlines Inc. 1.8% Loblaw Companies 1.5% TOTAL 25.7% TOTAL INVESTMENTS: 1,031 Canadian Balanced Fidelity Équilibré Investment Canadien Allocation Fidelity as at December 31, 2014 37.7% Canadian Equity 17.0% Corporate Bonds 13.0% Foreign Equity 9.3% Provincial Bonds 7.4% American Bonds 6.5% Federal Bonds 3.9% Cash / Money Market 3.7% Foreign Bonds 1.1% Municipal Bonds 0.2% Others Management Expense Ratio (MER): Series 6: 2.82% Series 7: 2.34% Portfolio Manager: Fidelity Investments Canada ULC Portfolio Turnover Rate: 7.09 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on December 1, 2008, chose the Guarantee 75/75 and Series 5 now has $1,627. This works out to an average of 10.0% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,065. This works out to an average of 6.5% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,069. This works out to an average of 6.9% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 7 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2008 to 2013) or Helios2 75/75. Since December 1, 2008, the Fund went up in value 6 years and down in value 1 year of the 7. % 25 20 15 10 5 3.58 21.27 12.39 5.14 11.80 6.52 6.88 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2008 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. 0-1.94-5 2008* 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 $ 11 000 * Return is for a partial year from date first offered for sale. 10 500 (2) 10 474 $ 102 Contract and Information Folder October 2015 10 000 (1) 10 250 $

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long-term capital growth and who wants the convenience of a diversified portfolio in a single fund. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 103

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN BALANCED FIDELITY Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.82% 2.34% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 104 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF U.S. MONTHLY INCOME FIDELITY Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: October 19, 2015 Series 6: October 19, 2015 Series 7: October 19, 2015 Total Value (000 s): Series 6: N/A Series 7: N/A Net Asset Value per Unit: Series 6: N/A Series 7: N/A Number of Units Outstanding (000 s): Series 6: N/A Series 7: N/A Management Expense Ratio (MER): Series 6: 2.93% Series 7: 2.42% Portfolio Manager: Fidelity Investments Canada ULC Portfolio Turnover Rate: N/A Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in the Fidelity U.S. Monthly Income Fund. The underlying fund invests primarily in American equity securities (50%) and bonds (50%). Top ten investments of the underlying fund Fidelity American High Yield Fund Series O 10.6% Fidelity Convertible Securities Investment Trust Series O 4.9% Investment Grade CMBS Securities Directly Held 3.7% Investment Grade CMBS Securities Directly Held 3.7% USTN.875% 11/15/17 3.1% U.S. dollar 2.3% Chevron 2.0% J. P. Morgan Chase 2.0% Johnson & Johnson 1.9% General Electric 1.6% TOTAL 35.5% TOTAL INVESTMENTS: 1,431 Canadian Balanced Fidelity Équilibré Investment Canadien Allocation Fidelity as at December 31, 2014 4. How has the Fund performed? This section tells you how the Fund has performed for a Contract Owner who chose Helios2 75/75. Returns are after the MER has been deducted. The performance shown is for the underlying fund. It's important to note that this doesn't tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. Average return This Fund was launched on October 19, 2015. A Contract Owner who deposited $1,000 in the underlying fund since its inception will now have $1,450.83. This works out to an average of 13.21% a year. Year-by-year returns This Fund was launched on October 19, 2015. The underlying fund went up in value 3 years and down in value 0 years of the 3. % 30 20 19.99 19.61 50.7% Foreign Equity 41.8% Foreign Bonds 4.6% Convertibles 2.9% Cash & Other 10 1.09 0-10 2012* 2013 2014 * Return is for a partial year from date first offered for sale. fund facts Contract and Information Folder October 2015 105

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF U.S. MONTHLY INCOME FIDELITY Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner's Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking interest income with stability of capital. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 106 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don't pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.93% 2.42% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option each year thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but this is not limited to transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 107

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF BALANCED DESJARDINS SOCIETERRA Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: October 19, 2015 Series 6: October 19, 2015 Series 7: October 19, 2015 Total Value (000 s): Series 6: N/A Series 7: N/A Net Asset Value per Unit: Series 6: N/A Series 7: N/A Number of Units Outstanding (000 s): Series 6: N/A Series 7: N/A Management Expense Ratio (MER): Series 6: 2.74% Series 7: 2.30% Portfolio Manager: Desjardins Funds Portfolio Turnover Rate: N/A Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in the Desjardins SocieTerra Balanced Portfolio. The underlying fund invests in fixed income (55%) and equities (45%) securities. Top investments of the underlying fund Desjardins SocieTerra Canadian Bond Fund, I-Class 55.0% NEI Ethical Canadian Equity Fund, Series I 11.5% NEI Ethical American Multi-Strategy Fund, Series I 11.0% NEI Ethical International Equity Fund, Series I 11.0% Desjardins SocieTerra Environment Fund, I-Class 9.0% NEI Ethical Special Equity Fund, Series I 2.5% TOTAL 100.0% TOTAL INVESTMENTS: 6 Canadian Balanced Fidelity Équilibré Investment Canadien Allocation Fidelity as at December 31, 2014 4. How has the Fund performed? This section tells you how the Fund has performed for a Contract Owner who chose Helios2 75/75. Returns are after the MER has been deducted. The performance shown is for the underlying fund. It's important to note that this doesn't tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. Average return This Fund was launched on October 19, 2015. A Contract Owner who deposited $1,000 in the underlying fund since its inception will now have $1,728.25. This works out to an average of 9.55% a year. Year-by-year returns This Fund was launched on October 19, 2015. The underlying fund went up in value 6 years and down in value 0 years of the 6. 55.0% Fixed Income 31.0% Global Equity 14.0% Canadian Equity % 30 20 18.50 10 8.53 9.41 10.10 8.37 2.94 0-10 2009* 2010 2011 2012 2013 2014 * Return is for a partial year from date first offered for sale. 108 Contract and Information Folder October 2015

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner's Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking interest income with stability of capital. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 109

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF BALANCED DESJARDINS SOCIETERRA Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don't pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.74% 2.30% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 1.10% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.65% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option each year thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but this is not limited to transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 110 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GLOBAL BALANCED JARISLOWSKY FRASER Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: November 17, 2003 Series 6: October 19, 2015 Series 7: October 19, 2015 Series 5 Total Value (000 s): 144,280 Net Asset Value per Series 5 Unit: 7.87 Series 5 Units Outstanding (000 s): 18,342 Management Expense Ratio (MER): Series 6: 2.59% Series 7: 2.24% Portfolio Manager: Jarislowsky, Fraser Limited Portfolio Turnover Rate: 5.64 Minimum Deposit: $500 3. What does this Fund invest in? This Fund invests in the Jarislowsky Fraser Global Balanced Fund. The underlying fund invests primarily in bonds and (46%) and equities (54%) from around the world. Top ten investments of the underlying fund Jarislowsky Fraser International Pooled Fund 18.0% Toronto-Dominion Bank 1.8% Royal Bank of Canada 1.5% Government of Canada, 3.50%, December 1, 2045 1.4% Scotiabank 1.4% Jarislowsky Fraser Special Equity Fund 1.4% Jarislowsky Fraser Special Bond Fund 1.2% Province of Ontario, 2.85%, June 2, 2023 1.1% Canadian National Railway Company 1.0% Suncor Energy 1.0% TOTAL 29.8% Global TOTAL Balanced INVESTMENTS: Jarislowsky 178 Fraser Global Investment Équilibré Allocation Jarislowsky as at Fraser December 31, 2014 4. How has the Fund performed? This section tells you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. It's important to note that this doesn't tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund and chose the Guarantee 75/75 on October 29, 2007 now has $1,334. This works out to an average of 4.1% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years for a Contract Owner who chose the Guarantee 75/75. Since October 29, 2007, the Fund was up in value 5 years and down in value 3 years of the 8. % 20 15.69 31.8% Canadian Bonds 24.0% American Equity 20.9% Canadian Equity 17.9% International Equity 5.3% Cash/Money Market 10 10.47 3.86 7.80 8.75 0-0.03-0.13-10 -20 2007* -14.15 2008 2009 2010 2011 2012 2013 2014 fund facts * Return is for a partial year from date first offered for sale. $ 11 000 Contract and Information Folder October 2015 111 10 500

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GLOBAL BALANCED JARISLOWSKY FRASER Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner's Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking interest income with stability of capital. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 112 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don't pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.59% 2.24% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 1.10% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.65% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option each year thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but this is not limited to transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 113

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN BALANCED FIERA CAPITAL Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: November 15, 1995 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 1,851 Series 7: 323 Net Asset Value per Unit: Series 6: 5.35 Series 7: 5.37 Number of Units Outstanding (000 s): Series 6: 346 Series 7: 60 3. What does this Fund invest in? This Fund invests primarily in Canadian bonds and treasury bills (40%), Canadian equities (40%), as well as world equities (20%). Top ten investments Fiera Global Equity Fund 24.7% Canada Treasury Bills, February 12, 2015 7.4% Canada Treasury Bills, February 26, 2015 5.6% Toronto-Dominion Bank 3.1% Government of Canada, 1.50%, February 1, 2017 2.9% Royal Bank of Canada 2.8% Scotiabank 2.3% Loblaw Companies 2.2% CGI Group 2.0% Suncor Energy 1.9% TOTAL 54.9% TOTAL INVESTMENTS: 126 Investment Allocation as at December 31, 2014 Canadian Balanced Fiera Canadien Équilibré Fiera 24.7% Investment Funds 14.5% Financials 13.5% Cash / Money Market 8.1% Energy 7.3% Corporate Bonds 6.9% Provincial Bonds 5.7% Federal Bonds 4.3% Materials 4.1% Industrials 3.5% Consumer Discretionary 3.0% Consumer Staples 2.0% Information Technology 1.5% Telecommunication Services 0.6% Health Care 0.2% Mortgage-Backed Securities 0.1% Asset-Backed Securities Management Expense Ratio (MER): Series 6: 2.59% Series 7: 2.12% Portfolio Manager: Fiera Capital Corporation Portfolio Turnover Rate: 92.94 Minimum Deposit: Variable The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,093. This works out to an average of 1.5% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,069. This works out to an average of 6.9% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,074. This works out to an average of 7.4% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 30 20 10 0-10 -20-2.64-18.97 18.27 7.89-6.01 3.27 11.88 6.93 7.42 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. -30 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 $ 11 000 * Return is for a partial year from date first offered for sale. 114 Contract and Information Folder October 2015 10 500 (2) 10 474 $

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking conservative capital growth and interest income. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 115

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN BALANCED FIERA CAPITAL Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.59% 2.12% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 1.15% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.65% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 116 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN BALANCED FRANKLIN BISSETT Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: December 5, 2005 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 17,031 Series 7: 1,284 Net Asset Value per Unit: Series 6: 5.10 Series 7: 5.12 Number of Units Outstanding (000 s): Series 6: 3,336 Series 7: 251 3. What does this Fund invest in? This Fund invests in the Franklin Bissett Canadian Balanced Fund. The underlying fund invests in Canadian bonds (40%) and world equities (60%). Top ten investments of the underlying fund Franklin Bissett Canadian Equity Fund 19.9% Franklin Bissett Bond Fund 12.2% Franklin Bissett Corporate Bond Fund 11.0% Franklin Bissett Canadian Short Term Bond Fund 5.6% Franklin Bissett Microcap Fund 5.6% Franklin Bissett Small Cap Fund 5.3% Franklin Mutual Global Discovery Fund 4.6% Franklin U.S. Rising Dividends Fund 4.6% Franklin Bissett U.S. Focus Fund 4.4% Templeton EAFE Developed Markets Fund 4.3% TOTAL 77.5% Canadian TOTAL Balanced INVESTMENTS: Bissett 18 Canadien Équilibré Bissett Investment Allocation as at December 31, 2014 Management Expense Ratio (MER): Series 6: 2.59% Series 7: 2.10% Portfolio Manager: Bissett Investment Management Portfolio Turnover Rate: 6.14 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,283. This works out to an average of 4.1% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,021. This works out to an average of 2.1% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,024. This works out to an average of 2.4% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 30 41.3% Canadian Equity 28.8% Canadian Bonds 14.1% International Equity 9.0% American Equity 6.4% Others 0.4% Cash / Money Market 20 10 0-1.51 19.16 9.96-1.69 9.32 15.86 2.10 2.37-10 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -20-20.14-30 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 fund facts 10 500 (2) 10 474 $ Contract and Information Folder October 2015 117 10 000 (1) 10 250 $

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN BALANCED FRANKLIN BISSETT Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking conservative capital growth and interest income. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 118 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.59% 2.10% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 1.10% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.60% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 119

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF BALANCED GROWTH FRANKLIN QUOTENTIAL Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: December 11, 2006 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 8,240 Series 7: 449 Net Asset Value per Unit: Series 6: 5.19 Series 7: 5.21 Number of Units Outstanding (000 s): Series 6: 1,588 Series 7: 86 3. What does this Fund invest in? This Fund invests in the Franklin Quotential Balanced Growth Portfolio. The underlying fund invests in bond (40%) and equity (60%) funds. Top ten investments of the underlying fund Franklin Bissett Bond Fund 19.9% Franklin Bissett Canadian Equity Fund 6.1% Templeton Global Bond Fund 6.0% Franklin Mutual European Fund 6.0% Franklin U.S. Core Equity Fund 5.9% Templeton Asian Growth Fund 5.4% Franklin Flex Cap Growth Fund 5.2% WisdomTree Japan Hedged Equity Fund 4.7% Franklin Bisset All Canadian Focus Fund 4.6% Franklin U.S. Rising Dividends Fund 4.4% TOTAL 68.2% Balanced TOTAL Growth INVESTMENTS: Quotential 29 Équilibré Investment de croissance Allocation Quotentiel as at December 31, 2014 Management Expense Ratio (MER): Series 6: 2.79% Series 7: 2.36% Portfolio Manager: Franklin Templeton Investments Corp. Portfolio Turnover Rate: 2.63 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,135. This works out to an average of 2.1% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,038. This works out to an average of 3.8% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,042. This works out to an average of 4.2% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 4 years and down in value 3 years of the 8. % 30 24.59 19.9% Canadian Bonds 18.3% American Equity 17.5% Derivative Financial Instruments 17.1% Foreign Equity 16.3% Canadian Equity 8.2% Foreign Bonds 2.8% Cash / Money Market 20 10 0-10 -2.01 9.12-5.05 5.86 14.08 3.78 4.24 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -20-25.70-30 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 10 500 (2) 10 474 $ 120 Contract and Information Folder October 2015 10 000 (1) 10 250 $

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long term capital growth and security. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 121

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF BALANCED GROWTH FRANKLIN QUOTENTIAL Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.79% 2.36% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 1.20% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.65% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 122 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN BALANCED CI SIGNATURE Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: May 3, 2010 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 8,501 Series 7: 645 Net Asset Value per Unit: Series 6: 5.37 Series 7: 5.39 Number of Units Outstanding (000 s): Series 6: 1,584 Series 7: 120 3. What does this Fund invest in? This Fund invests in the Signature Canadian Balanced Fund. The underlying fund invests in Canadian bonds (40%) and equities (60%). Top ten investments of the underlying fund Toronto-Dominion Bank 4.0% Scotiabank 3.9% Royal Bank of Canada 3.9% JPMorgan Chase & Company, Warrants, October 28, 2018 1.8% Canadian National Railway Company 1.8% Government of Canada, 1.50%, February 1, 2017 1.4% Province of Ontario, 4.20%, June 2, 2020 1.4% UBS AG 1.2% Alimentation Couche-Tard 1.1% Apple 1.0% TOTAL 21.5% Canadien TOTAL Équilibré-CI INVESTMENTS: Signature 297 Canadien Investment Équilibré-CI Allocation Signature as at December 31, 2014 Management Expense Ratio (MER): Series 6: 2.78% Series 7: 2.34% Portfolio Manager: CI Investments Inc. Portfolio Turnover Rate: 14.81 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on May 3, 2010, chose the Guarantee 75/75 and Series 5 now has $1,214. This works out to an average of 5.4% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,074. This works out to an average of 7.4% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,078. This works out to an average of 7.8% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 5 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2010 to 2013) or Helios2 75/75. Since May 3, 2010, the Fund went up in value 4 years and down in value 1 year of the 5. % 20 26.4% Canadian Bonds 24.1% Canadian Equity 17.5% American Equity 15.6% Cash / Money Market 12.4% International Equity 4.0% Foreign Bonds 15 10 5 0 6.69 6.06 11.81 7.37 7.82 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2010 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -5-4.04-10 2010* 2011 2012 2013 2014* Series 5 Series 6 Series 7 $ 11 000 * Return is for a partial year from date first offered for sale. fund facts 10 500 (2) 10 474 $ Contract and Information Folder October 2015 (1) 10123 250 $ 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN BALANCED CI SIGNATURE Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking a balanced of current income and capital appreciation. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 124 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.78% 2.34% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 1.35% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 125

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF INCOME AND GROWTH CI SIGNATURE Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: September 24, 2012 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 6,386 Series 7: 495 Net Asset Value per Unit: Series 6: 5.30 Series 7: 5.31 Number of Units Outstanding (000 s): Series 6: 1,205 Series 7: 93 3. What does this Fund invest in? This Fund invests in the Signature Income and Growth Fund. The underlying fund invests in fixed income (40%) and equity (60%) securities. Top ten investments of the underlying fund Toronto-Dominion Bank 4.1% Scotiabank 4.0% Royal Bank of Canada 4.0% JPMorgan Chase & Company, Warrants, October 28, 2018 1.8% UBS AG 1.3% Government of Canada, 1.50%, February 1, 2017 1.1% Singapore Telecommunications Ltd 1.1% Citigroup 1.0% Canadian National Railway Company 1.0% Alimentation Couche-Tard 1.0% TOTAL 20.4% TOTAL INVESTMENTS: 683 Revenu Croissance Ci Signature Investment Allocation as at December 31, 2014 Management Expense Ratio (MER): Series 6: 2.85% Series 7: 2.32% Portfolio Manager: CI Investments Inc. Portfolio Turnover Rate: 8.86 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on September 24, 2012, chose the Guarantee 75/75 and Series 5 now has $1,151. This works out to an average of 11.7% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,060. This works out to an average of 6.0% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,063. This works out to an average of 6.3% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 3 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2012 to 2013) or Helios2 75/75. Since September 24, 2012, the Fund went up in value 3 years and down in value 0 year of the 3. % 15 13.05 10 24.7% Canadian Equity 19.3% Canadian Bonds 16.6% International Equity 16.1% American Equity 11.7% Foreign Bonds 11.7% Cash / Money Market 5 0 1.78 5.97 6.26-5 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2012 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -10 2012* 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 10 500 (2) 10 474 $ 126 Contract and Information Folder October 2015 10 000 (1) 10 250 $

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking a balance of current income and capital appreciation. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 127

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF INCOME AND GROWTH CI SIGNATURE Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.85% 2.32% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 1.40% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 128 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GROWTH AND INCOME NEI NORTHWEST Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: December 11, 2006 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 5,832 Series 7: 445 Net Asset Value per Unit: Series 6: 5.19 Series 7: 5.21 Number of Units Outstanding (000 s): Series 6: 1,123 Series 7: 85 3. What does this Fund invest in? This Fund invests in the NEI Northwest Growth and Income Fund. The underlying fund invests in bonds (20%) and equities (80%). Top ten investments of the underlying fund NEI Northwest Global Equity Fund 35.6% NEI Canadian Bond Fund 12.5% NEI Income Fund 8.3% Toronto-Dominion Bank 3.8% Québecor Inc. 3.2% TELUS Corporation 3.0% Canadian Imperial Bank of Commerce 2.9% Manulife Financial Corporation 2.5% FirstService Corporation 2.5% Onex Corporation 2.4% TOTAL 76.7% Growth TOTAL and INVESTMENTS: Income Northwest 28 Croissance et revenu NordOuest Investment Allocation as at December 31, 2014 56.5% Investment Funds 22.7% Financials 7.1% Telecommunication Services 6.7% Consumer Discretionary 3.7% Energy 2.1% Industrials 0.6% Health Care 0.6% Cash / Money Market Management Expense Ratio (MER): Series 6: 2.87% Series 7: 2.41% Portfolio Manager: Kingwest & Company Portfolio Turnover Rate: 5.44 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,137. This works out to an average of 2.1% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,039. This works out to an average of 3.9% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,043. This works out to an average of 4.3% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 20 10 0-3.30 15.66 7.69-1.39 7.91 17.51 3.87 4.26-10 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -20-24.53-30 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 fund facts 10 500 (2) 10 474 $ Contract and Information Folder October 2015 (1) 10 129 250 $ 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GROWTH AND INCOME NEI NORTHWEST Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long term capital growth and income. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 130 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.87% 2.41% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 1.35% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 131

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GLOBAL GROWTH NEI SELECT Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: January 14, 2002 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 2,488 Series 7: 144 Net Asset Value per Unit: Series 6: 5.13 Series 7: 5.14 Number of Units Outstanding (000 s): Series 6: 485 Series 7: 28 3. What does this Fund invest in? This Fund invests in the NEI Select Global Growth Portfolio. The underlying fund invests in bond (25%) and equity (75%) funds. Top ten investments of the underlying fund NEI Ethical Global Equity Fund 12.2% NEI Global Total Return Bond Fund 12.1% NEI Northwest Global Equity Fund 11.9% NEI Northwest U.S. Dividend Fund 11.2% NEI Ethical International Equity Fund 10.9% NEI Northwest Macro Canadian Equity Fund 9.0% NEI Northwest Specialty Equity Fund 8.0% NEI Northwest Emerging Markets Fund 6.9% NEI Canadian Bond Fund 5.0% NEI Northwest Canadian Equity Fund 5.0% TOTAL 92.2% TOTAL INVESTMENTS: 13 Global Growth Northwest Select Croissance Investment mondiale Allocation Nordouest as at December select 31, 2014 Management Expense Ratio (MER): Series 6: 2.98% Series 7: 2.59% Portfolio Manager: Multi-managers Portfolio Turnover Rate: 7.15 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,082. This works out to an average of 1.3% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,025. This works out to an average of 2.5% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,027. This works out to an average of 2.7% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 30 27.0% Canadian Equity 24.1% Global Equity 15.1% Foreign Bonds 11.2% American Equity 10.9% International Equity 6.9% Emerging Countries 5.0% Canadian Bonds -0.2% Cash / Money Market 20 10 0-10 -2.21 19.25 6.65-5.18 7.57 16.79 2.54 2.70 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -20-26.99-30 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 10 500 (2) 10 474 $ 132 Contract and Information Folder October (1) 2015 10 250 $ 10 000

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long term capital growth and security. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 133

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GLOBAL GROWTH NEI SELECT Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.98% 2.59% MER (annual rate as a % of the Fund s value) Series 7 Helios2 75/100 i If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will Helios2 75/100 GLWB have to pay both the MER and the additional guarantee fee. 1.45% Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.75% C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 134 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN ASSET ALLOCATION CI CAMBRIDGE Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: September 24, 2012 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 1,287 Series 7: 21 Net Asset Value per Unit: Series 6: 5.32 Series 7: 5.34 Number of Units Outstanding (000 s): Series 6: 242 Series 7: 4 3. What does this Fund invest in? This Fund invests in the Cambridge Canadian Asset Allocation Fund. The underlying fund invests in Canadian equity (60%) and fixed income (40%) securities. Top ten investments of the underlying fund Tourmaline Oil Corporation 4.0% George Weston 3.8% US Bancorp 3.4% Granite Real Estate Investment Trust 2.9% CGI Group 2.9% Adecco SA 2.4% EnCana Corporation 2.3% Precision Castparts Corporation 2.3% Franco-Nevada Corporation 2.3% SunTrust Banks Inc. 2.3% TOTAL 28.6% TOTAL INVESTMENTS: 64 Ci Cambridge Investment Allocation as at December 31, 2014 Management Expense Ratio (MER): Series 6: 2.68% Series 7: 2.30% Portfolio Manager: CI Investments Inc. Portfolio Turnover Rate: 6.47 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on September 24, 2012, chose the Guarantee 75/75 and Series 5 now has $1,198. This works out to an average of 15.3% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,064. This works out to an average of 6.4% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,069. This works out to an average of 6.9% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 3 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2012 to 2013) or Helios2 75/75. Since September 24, 2012, the Fund went up in value 3 years and down in value 0 year of the 3. % 20 17.91 27.3% American Equity 26.0% Canadian Equity 25.6% Cash / Money Market 11.7% International Equity 5.1% Canadian Bonds 4.4% Foreign Bonds 15 10 5 6.39 6.86 1.57 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2012 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. $ 11 000 0-5 2012* 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. fund facts 10 500 (2) 10 474 $ (1) 10 250 $ Contract and Information Folder October 2015 135 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN ASSET ALLOCATION CI CAMBRIDGE Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking a balance of current income and capital appreciation. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 136 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.68% 2.30% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 137

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GROWTH FRANKLIN QUOTENTIAL Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: October 30, 2000 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 577 Series 7: 20 Net Asset Value per Unit: Series 6: 5.20 Series 7: 5.22 Number of Units Outstanding (000 s): Series 6: 111 Series 7: 4 3. What does this Fund invest in? This Fund invests in the Franklin Quotential Growth Portfolio. The underlying fund invests in bond (20%) and equity (80%) funds. Top ten investments of the underlying fund Franklin Bissett Bond Fund 11.1% Templeton Asian Growth Fund 6.9% Franklin U.S. Core Equity Fund 6.8% Franklin Mutual European Fund 6.7% Franklin Flex Cap Growth Fund 6.2% Franklin Bissett Canadian Equity Fund 6.2% WisdomTree Japan Hedged Equity Fund 5.4% Franklin U.S. Rising Dividends Fund 5.2% Franklin Bisset All Canadian Focus Fund 4.5% SPDR Euro Stoxx 50 ETF 4.1% TOTAL 63.1% TOTAL INVESTMENTS: 31 Growth Quotential Croissance Investment Quotentiel Allocation as at December 31, 2014 Management Expense Ratio (MER): Series 6: 2.92% Series 7: 2.47% Portfolio Manager: Franklin Templeton Investments Corp. Portfolio Turnover Rate: 4.74 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,077. This works out to an average of 1.2% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,041. This works out to an average of 4.1% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,044. This works out to an average of 4.4% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 40 30 26.73 25.9% Foreign Equity 21.3% American Equity 18.7% Derivative Financial Instruments 16.2% Canadian Equity 11.1% Canadian Bonds 4.5% Foreign Bonds 2.4% Cash / Money Market 20 10 0-10 -2.85 9.03-8.02 6.91 18.82 4.09 4.41 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -20-30 -31.32-40 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 $ 11 000 * Return is for a partial year from date first offered for sale. 10 500 (2) 10 474 $ 138 Contract and Information Folder October (1) 2015 10 250 $ 10 000

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long term capital growth. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 139

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GROWTH FRANKLIN QUOTENTIAL Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.92% 2.47% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 140 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF DIVIDEND INCOME FRANKLIN BISSETT Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: April 17, 2000 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 4,320 Series 7: 588 Net Asset Value per Unit: Series 6: 5.18 Series 7: 5.20 Number of Units Outstanding (000 s): Series 6: 833 Series 7: 113 3. What does this Fund invest in? This Fund invests in the Franklin Bissett Dividend Income Fund. The underlying fund invests primarily in Canadian & US preferred and common equities. Top ten investments of the underlying fund Canadian Imperial Bank of Commerce 3.7% Power Financial Corporation 3.4% Royal Bank of Canada 3.2% Toronto-Dominion Bank 3.1% Scotiabank 2.9% Thomson Reuters Corporation 2.9% Enbridge Income Fund Holdings Inc. 2.9% Bank of Montreal 2.8% National Bank of Canada 2.6% Enbridge 2.5% TOTAL 30.0% TOTAL INVESTMENTS: 101 Dividend Income Bissett Revenu Investment de dividendes Allocation Bissett as at December 31, 2014 Management Expense Ratio (MER): Series 6: 2.70% Series 7: 2.13% Portfolio Manager: Bissett Investment Management Portfolio Turnover Rate: 12.37 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,326. This works out to an average of 4.7% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,037. This works out to an average of 3.7% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,041. This works out to an average of 4.1% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 6 years and down in value 2 years of the 8. % 30 61.5% Common shares 18.7% American Equity 14.7% Canadian Bonds 1.9% Preferred Shares 1.4% Cash / Money Market 0.9% International Equity 0.8% American Bonds 20 10 0-2.04 18.23 11.19 4.86 7.17 14.68 3.67 4.07-10 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -20-20.10-30 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 fund facts 10 500 (2) 10 474 $ Contract and Information Folder October 2015 (1) 10 141 250 $ 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF DIVIDEND INCOME FRANKLIN BISSETT Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking income from dividends and capital growth. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 142 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.70% 2.13% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 143

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN DIVIDEND NEI NORTHWEST Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: September 24, 2012 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 1,110 Series 7: 21 Net Asset Value per Unit: Series 6: 5.44 Series 7: 5.45 Number of Units Outstanding (000 s): Series 6: 204 Series 7: 4 3. What does this Fund invest in? This Fund invests in the NEI Northwest Canadian Dividend Fund. The underlying fund invests primarily in Canadian common stocks. Top ten investments of the underlying fund Toronto-Dominion Bank 8.4% Royal Bank of Canada 7.6% Scotiabank 7.3% Rogers Communications 5.9% Canadian Imperial Bank of Commerce 5.6% Symantec Corporation 5.3% Baxter International 5.0% Eli Lilly and Company 5.0% Verizon Communications 4.8% Atea 3.8% TOTAL 58.7% TOTAL INVESTMENTS: 29 Canadian Dividend Nord Ouest Dividendes Investment canadien Allocation Nord as Ouest at December 31, 2014 37.9% Financials 12.8% Telecommunication Services 11.0% Health Care 10.5% Information Technology 7.9% Energy 7.2% Consumer Discretionary 5.8% Materials 3.2% Industrials 2.4% Consumer Staples 1.4% Cash / Money Market Management Expense Ratio (MER): Series 6: 2.85% Series 7: 2.41% Portfolio Manager: Beutel, Goodman & Company Limited Portfolio Turnover Rate: 11.75 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on September 24, 2012, chose the Guarantee 75/75 and Series 5 now has $1,307. This works out to an average of 23.5% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,088. This works out to an average of 8.8% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,089. This works out to an average of 8.9% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 3 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2012 to 2013) or Helios2 75/75. Since September 24, 2012, the Fund went up in value 3 years and down in value 0 year of the 3. % 30 20 10 4.23 25.36 8.82 8.91 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2012 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. 0-10 2012* 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 10 500 (2) 10 474 $ (1) 10 250 $ 144 Contract and Information Folder October 2015 10 000

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking a balance of current income and capital appreciation. Since the Fund invests in equities, changes in market conditions can cause its market value to increase or decrease in a short period of time. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 145

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN DIVIDEND NEI NORTHWEST Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.85% 2.41% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.70% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 146 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN EQUITY JARISLOWSKY FRASER Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: December 5, 2005 Series 6: October 19, 2015 Series 7: October 19, 2015 Series 5 Total Value (000's): 182,121 Net Asset Value per Series 5 Unit: 7.22 Series 5 Units Outstanding (000's): 25,226 Management Expense Ratio (MER): Series 6: 2.87% Series 7: 2.36% Portfolio Manager: Jarislowsky, Fraser Limited Portfolio Turnover Rate: 2.51 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in the Jarislowsky Fraser Canadian Equity Fund. The underlying fund invests primarily in equity from large Canadian companies. Top ten investments of the underlying fund Toronto-Dominion Bank 8.2% Royal Bank of Canada 6.9% Scotiabank 6.3% Jarislowsky Fraser Special Equity Fund 6.2% Canadian National Railway Company 4.6% Suncor Energy 4.5% Metro 4.2% Canadian Natural Resources 3.8% Manulife Financial Corporation 3.6% Enbridge 3.4% TOTAL 51.7% Canadian TOTAL Equity INVESTMENTS: Jarislowsky 35 Fraser Actions canadiennes Jarislowsky Fraser Investment Allocation as at December 31, 2014 4. How has the Fund performed? This section tells you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. It s important to note that this doesn t tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund and chose the Guarantee 75/75 on October 29, 2007 now has $1,214. This works out to an average of 2.7% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund was up in value 5 years and down in value 3 years of the 8. 32.5% Financials 23.6% Energy 10.3% Consumer Staples 10.1% Industrials 7.6% Consumer Discretionary 6.1% Materials 5.5% Information Technology 2.6% Cash/Money Market 1.9% Utilities % 30 20 10 21.82 7.72 7.04 19.19 9.65 0-10 -20-30 -2.86 2007* -25.58 2008 2009 2010-8.57 2011 2012 2013 2014 fund facts * Return is for a partial year from date first offered for sale. $ 11 000 Contract and Information Folder October 2015 147 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN EQUITY JARISLOWSKY FRASER Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner's Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking interest income with stability of capital. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 148 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don't pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i or Helios2 75/100 GLWB and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.87% 2.36% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i or Helios2 75/100 GLWB, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.85% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option each year thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but this is not limited to transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 149

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN EQUITY FIDELITY TRUE NORTH Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: December 1, 2008 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 2,577 Series 7: 81 Net Asset Value per Unit: Series 6: 5.45 Series 7: 5.47 Number of Units Outstanding (000 s): Series 6: 473 Series 7: 15 3. What does this Fund invest in? This Fund invests in the Fidelity True North Fund. The underlying fund invests primarily in equity from small, medium and large Canadian companies. Top ten investments of the underlying fund Toronto-Dominion Bank 7.6% Loblaw Companies 4.6% Canadian National Railway Company 3.9% CGI Group 3.8% Manulife Financial Corporation 3.7% Alimentation Couche-Tard 3.6% Suncor Energy 3.1% Enbridge 2.7% Power Corporation of Canada 2.6% Valeant Pharmaceuticals International 2.6% TOTAL 38.2% Canadian TOTAL Equity INVESTMENTS: Fidelity 93 TrueNorth Actions Canadiennes Fidelity Frontière Nord Investment Allocation as at December 31, 2014 4. How has the Fund performed? 21.9% Financials 15.2% Energy 13.0% Industrials 12.0% Consumer Staples 11.2% Information Technology 8.8% Consumer Discretionary 7.8% Cash / Money Market 3.7% Materials 3.1% Health Care 2.9% Telecommunication Services 0.2% Utilities 0.2% Canadian Bonds This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2008 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. Management Expense Ratio (MER): Series 6: 3.05% Series 7: 2.58% Portfolio Manager: Fidelity Investments Canada ULC Portfolio Turnover Rate: 11.08 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on December 1, 2008, chose the Guarantee 75/75 and Series 5 now has $1,825. This works out to an average of 12.6% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,091. This works out to an average of 9.1% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,095. This works out to an average of 9.5% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 7 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2008 to 2013) or Helios2 75/75. Since December 1, 2008, the Fund went up in value 6 years and down in value 1 year of the 7. % 40 30 20 10 0-10 -20 $ 11 000 6.06 2008* 29.76 2009 11.68 2010-8.93 2011 Series 5 Series 6 Series 7 7.44 2012 21.38 2013 9.08 * Return is for a partial year from date first offered for sale. 2014* 9.50 Fidelity True North is a registered trademark of FMR Corp. 10 500 (2) 10 474 $ (1) 10 250 $ 150 Contract and Information Folder October 2015 10 000

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long-term capital growth with moderate risk. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 151

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN EQUITY FIDELITY TRUE NORTH Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 3.05% 2.58% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.85% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 152 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN EQUITY FRANKLIN BISSETT Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: April 17, 2000 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 2,289 Series 7: 20 Net Asset Value per Unit: Series 6: 5.27 Series 7: 5.29 Number of Units Outstanding (000 s): Series 6: 435 Series 7: 4 Management Expense Ratio (MER): Series 6: 2.79% Series 7: 2.41% Portfolio Manager: Bissett Investment Management Portfolio Turnover Rate: 10.50 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in the Franklin Bissett Canadian Equity Fund. The underlying fund invests primarily in equity from medium and large Canadian companies. Top ten investments of the underlying fund Canadian National Railway Company 5.3% Brookfield Asset Management 5.3% Royal Bank of Canada 4.8% Canadian Imperial Bank of Commerce 4.8% Toronto-Dominion Bank 4.7% Scotiabank 4.1% Bank of Montreal 4.1% Enbridge 4.0% Thomson Reuters Corporation 4.0% MacDonald, Dettwiler and Associates Ltd 3.0% TOTAL 44.1% Canadian TOTAL Equity INVESTMENTS: Bissett 50 Actions Canadiennes Bissett Investment Allocation as at December 31, 2014 38.6% Financials 23.9% Energy 14.9% Industrials 6.6% Consumer Staples 6.1% Materials 4.8% Consumer Discretionary 2.8% Cash / Money Market 1.3% Telecommunication Services 1.1% Utilities It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,292. This works out to an average of 4.2% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,054. This works out to an average of 5.4% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,058. This works out to an average of 5.8% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 50 40 30 20 10 0-10 -5.10 38.08 17.42-7.30 13.34 19.71 5.35 5.78 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -20-30 -33.22-40 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 fund facts 10 500 (2) 10 474 $ Contract and Information Folder October 2015 (1) 10 153 250 $ 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN EQUITY FRANKLIN BISSETT Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long-term capital growth. Since the Fund invests in equities, changes in market conditions can cause its market value to increase or decrease in a short period of time. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 154 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.79% 2.41% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.80% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 155

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN EQUITY FIERA CAPITAL Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: November 15, 1995 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 248 Series 7: 47 Net Asset Value per Unit: Series 6: 5.34 Series 7: 5.37 Number of Units Outstanding (000 s): Series 6: 47 Series 7: 9 3. What does this Fund invest in? This Fund invests primarily in equity from medium and large Canadian companies. Top ten investments Toronto-Dominion Bank 7.1% Royal Bank of Canada 6.7% Loblaw Companies 5.4% Scotiabank 5.2% CGI Group 4.8% Suncor Energy 4.5% Canadian National Railway Company 3.8% Canadian Natural Resources 3.7% Element Financial Corporation 3.7% Gildan Activewear 3.7% TOTAL 48.6% TOTAL INVESTMENTS: 39 Canadian Equity Fiera Actions Investment canadiennes Allocation Fiera as at December 31, 2014 4. How has the Fund performed? 34.1% Financials 18.8% Energy 10.3% Materials 9.5% Industrials 8.6% Consumer Discretionary 7.4% Consumer Staples 4.8% Information Technology 3.6% Telecommunication Services 1.5% Cash / Money Market 1.4% Health Care This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. Management Expense Ratio (MER): Series 6: 2.67% Series 7: 2.24% Portfolio Manager: Fiera Capital Corporation Portfolio Turnover Rate: 95.12 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $938. This works out to an average of -1.0% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,068. This works out to an average of 6.8% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,074. This works out to an average of 7.4% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 50 40 30 20 10 0-10 -20-30 -40-50 $ 11 000-6.70 2007* -36.33 2008 40.56 2009 15.33 2010-16.94 2011 Series 5 Series 6 Series 7 2.43 2012 14.50 2013 * Return is for a partial year from date first offered for sale. 6.82 2014* 7.36 10 500 (2) 10 474 $ 156 Contract and Information Folder October (1) 2015 10 250 $ 10 000

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long-term capital growth. Since the Fund invests in equities, changes in market conditions can cause its market value to increase or decrease in a short period of time. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 157

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF CANADIAN EQUITY FIERA CAPITAL Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.67% 2.24% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.85% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 158 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF SPECIALTY EQUITY NEI NORTHWEST Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: December 11, 2006 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 618 Series 7: 19 Net Asset Value per Unit: Series 6: 4.63 Series 7: 4.64 Number of Units Outstanding (000 s): Series 6: 133 Series 7: 4 Management Expense Ratio (MER): Series 6: 3.21% Series 7: 2.76% Portfolio Manager: Montrusco Bolton Investments Inc. Portfolio Turnover Rate: 14.06 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in the NEI Northwest Specialty Equity Fund. The underlying fund invests primarily in equity from small Canadian companies. Top ten investments of the underlying fund Alaris Royalty Corporation 6.1% Home Capital Group Inc. 5.7% Western Forest Products 4.7% Osisko Gold Royalties 4.5% High Liner Foods 3.7% Laurentian Bank of Canada 3.6% Fortuna Silver Mines 3.3% Boyd Group Income Fund 3.1% Descartes Systems Group 3.1% Advantage Oil & Gas 3.0% TOTAL 40.8% Specialty TOTAL Equity INVESTMENTS: Northwest 52 Spécialisé Actions NordOuest Investment Allocation as at December 31, 2014 It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,104. This works out to an average of 1.6% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $927. This works out to an average of -7.3% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $929. This works out to an average of -7.1% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went down in value 4 years and down in value 4 years of the 8. % 80 4. How has the Fund performed? 21.9% Materials 19.2% Energy 19.1% Financials 12.6% Industrials 10.3% Consumer Staples 7.7% Information Technology 7.1% Consumer Discretionary 1.7% Health Care 0.4% Cash / Money Market This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. 60 40 20 0-20 -40-60 $ 11 000 56.75 30.48 16.98 0.82-2.64-7.34-7.11-14.01-45.32 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. fund facts 10 500 (2) 10 474 $ (1) 10 250 $ Contract and Information Folder October 2015 159 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF SPECIALTY EQUITY NEI NORTHWEST Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long-term capital growth but can tolerate high variations in value. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 160 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 3.21% 2.76% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.80% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 161

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF SMALL CAP FRANKLIN BISSETT Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: April 17, 2000 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 1,566 Series 7: 121 Net Asset Value per Unit: Series 6: 4.73 Series 7: 4.74 Number of Units Outstanding (000 s): Series 6: 331 Series 7: 26 3. What does this Fund invest in? This Fund invests in the Franklin Bissett Small Cap Fund. The underlying fund invests primarily in equity from small and medium Canadian companies. Top ten investments of the underlying fund Richelieu Hardware Ltd 6.6% Equitable Group Inc. 6.2% Leon s Furniture Ltd 5.1% Winpak Ltd 4.7% Transcontinental 4.4% Canam Group 4.3% RONA 4.3% Indigo Books & Music Inc. 3.6% Transat A.T. Inc. 3.2% Reitmans (Canada) Ltd 3.1% TOTAL 45.5% TOTAL INVESTMENTS: 48 Small Cap Bissett Société Investment à petite Allocation capitalisation as at Bissett December 31, 2014 Management Expense Ratio (MER): Series 6: 3.12% Series 7: 2.56% Portfolio Manager: Bissett Investment Management Portfolio Turnover Rate: 15.92 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,516. This works out to an average of 7.0% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $945. This works out to an average of -5.5% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $949. This works out to an average of -5.2% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went down in value 4 years and down in value 4 years of the 8. % 80 24.6% Energy 23.4% Consumer Discretionary 15.9% Industrials 12.1% Materials 10.6% Financials 8.1% Cash / Money Market 3.3% Consumer Staples 2.1% Information Technology 60 40 20 0-20 -7.03 58.38 27.42-12.97 20.75 33.18-5.47-5.15 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. -40-42.28-60 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 10 500 (2) 10 474 $ 162 Contract and Information Folder October 2015 10 000 (1) 10 250 $

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long-term capital growth but can tolerate high variations in value. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 163

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF SMALL CAP FRANKLIN BISSETT Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 3.12% 2.56% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.80% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 164 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF AMERICAN EQUITY MFS Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: April 17, 2000 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 1,028 Series 7: 22 Net Asset Value per Unit: Series 6: 5.64 Series 7: 5.65 Number of Units Outstanding (000 s): Series 6: 182 Series 7: 4 Management Expense Ratio (MER): Series 6: 2.88% Series 7: 2.47% Portfolio Manager: MFS McLean Budden Portfolio Turnover Rate: 13.37 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in the MFS MB U.S. Equity Core Fund. The underlying fund invests primarily in equity from large American companies. Top ten investments of the underlying fund JPMorgan Chase & Company 3.0% Danaher Corporation 2.8% Visa Inc. 2.6% EMC Corporation 2.2% Johnson & Johnson 2.1% Procter & Gamble Company 2.1% Wells Fargo & Company 2.1% Walt Disney Company 2.1% United Technologies Corporation 2.0% American Express Company 1.9% TOTAL 22.9% American TOTAL Equity INVESTMENTS: MFS 86 Actions américaines MFS Investment Allocation as at December 31, 2014 It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,227. This works out to an average of 3.4% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,129. This works out to an average of 12.9% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,130. This works out to an average of 13.0% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 50 4. How has the Fund performed? 19.0% Information Technology 17.2% 22,6 Financials % Technologies de l information 17.0% 16,8 Consumer % Finance Discretionary 14.2% 14,5 Health % Care Santé 11.6% 13,0 Industrials % Industrie 7.2% 13,0 Consumer % Consommation Staples discrétionnaire 5.9% Energy 9,4 % Énergie 4.9% Materials 9,0 % Consommation de base 1.8% Utilities 3,9 % Matériaux 1.3% Cash 2,3 %/ Money Services Market publics This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. 40 30 20 10 0-10 -20-30 $ 11 000 37.79 11.88 12.85 13.01 8.34 1.54-0.93-4.39-23.64 2007* 2008 2009 2010 2011 2012 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. fund facts 10 500 (2) 10 474 $ (1) 10 250 $ Contract and Information Folder October 2015 165 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF AMERICAN EQUITY MFS Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long-term capital growth. Since the Fund invests in equities, changes in market conditions can cause its market value to increase or decrease in a short period of time. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 166 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.88% 2.47% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.75% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 167

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF AMERICAN EQUITY VALUE DESJARDINS Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: November 15, 1995 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 1,116 Series 7: 167 Net Asset Value per Unit: Series 6: 5.76 Series 7: 5.78 Number of Units Outstanding (000 s): Series 6: 194 Series 7: 29 3. What does this Fund invest in? This Fund invests in the Desjardins American Equity Value Fund. The underlying fund invests primarily in equity from medium and large American companies. Top ten investments of the underlying fund Wells Fargo & Company 3.6% Merck & Company 3.5% Exxon Mobil Corporation 3.5% JPMorgan Chase & Company 3.1% Chevron Corporation 2.9% CVS Health Corporation 2.4% Bank of America Corporation 2.3% UnitedHealth Group 2.1% Citigroup 2.1% Cisco Systems 1.9% TOTAL 27.4% American TOTAL Equity INVESTMENTS: valeurs 79 Desjardins Actions Investment américaines Allocation Valeurs as at Desjardins December 31, 2014 4. How has the Fund performed? 26.6% Financials 16.4% Health Care 12.1% Industrials 10.7% Energy 9.2% Consumer Staples 8.8% Information Technology 5.6% Consumer Discretionary 4.9% Utilities 2.3% Cash / Money Market 1.8% Materials 1.6% Telecommunication Services This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. Management Expense Ratio (MER): Series 6: 2.79% Series 7: 2.25% Portfolio Manager: Wellington Management Company, LLP Portfolio Turnover Rate: 8.18 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $1,162. This works out to an average of 2.5% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,152. This works out to an average of 15.2% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,156. This works out to an average of 15.6% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 40 30 20 10 0-10 -20-30 -40 $ 11 000-3.14 2007* -26.80 2008 10.47 2009 5.37 2010-2.65 2011 Series 5 Series 6 Series 7 9.22 2012 32.39 2013 15.16 * Return is for a partial year from date first offered for sale. 2014* 15.55 10 500 (2) 10 474 $ (1) 10 250 $ 168 Contract and Information Folder October 2015 10 000

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long-term capital growth. Since the Fund invests in equities, changes in market conditions can cause its market value to increase or decrease in a short period of time. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 169

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF AMERICAN EQUITY VALUE DESJARDINS Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.79% 2.25% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.80% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 170 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GLOBAL DIVIDEND DESJARDINS Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: September 24, 2012 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 1,790 Series 7: 37 Net Asset Value per Unit: Series 6: 5.41 Series 7: 5.43 Number of Units Outstanding (000 s): Series 6: 331 Series 7: 7 Management Expense Ratio (MER): Series 6: 2.83% Series 7: 2.47% Portfolio Manager: Epoch Investment Partners, Inc. Portfolio Turnover Rate: 5.06 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in the Desjardins Global Dividend Fund. The underlying fund invests in equity securities worldwide. Top ten investments of the underlying fund Cash and Cash Equivalents 3.1% Altria Group Inc. 2.1% Imperial Tobacco Group plc 1.9% BCE Inc. 1.9% Lorillard Inc. 1.8% Health Care REIT 1.8% Vodafone Group plc 1.8% National Grid 1.8% SSE 1.8% Duke Energy Corporation 1.7% TOTAL 19.7% TOTAL INVESTMENTS: 96 Mondial de dividendes Desjardins Global Investment Dividend Allocation - Desjardins as at December 31, 2014 17.9% Utilities 15.0% Telecommunication Services 14.7% Consumer Staples 12.4% Financials 8.4% Energy 6.6% Health Care 6.2% Consumer Discretionary 5.8% Industrials 5.8% Materials 4.1% Information Technology 3.1% Cash / Money Market It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on September 24, 2012, chose the Guarantee 75/75 and Series 5 now has $1,295. This works out to an average of 22.6% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,082. This works out to an average of 8.2% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,086. This works out to an average of 8.6% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 3 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2012 to 2013) or Helios2 75/75. Since September 24, 2012, the Fund went up in value 3 years and down in value 0 year of the 3. % 40 30 20 10 29.31 8.16 8.61 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2012 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. 0.17 0-10 2012* 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 fund facts 10 500 (2) 10 474 $ Contract and Information Folder October 2015 (1) 10 171 250 $ 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GLOBAL DIVIDEND DESJARDINS Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking a balance of current income and capital appreciation. Since the Fund invests in equities, changes in market conditions can cause its market value to increase or decrease in a short period of time. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 172 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.83% 2.47% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.75% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 173

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GLOBAL EQUITY MFS Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: October 29, 2007 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 121 Series 7: 21 Net Asset Value per Unit: Series 6: 5.28 Series 7: 5.30 Number of Units Outstanding (000 s): Series 6: 23 Series 7: 4 3. What does this Fund invest in? This Fund invests in the MFS MB Global Research Fund. The underlying fund invests primarily in equity from American, European and Asian companies. Top ten investments of the underlying fund Danaher Corporation 1.6% Exxon Mobil Corporation 1.5% Novartis AG 1.4% Royal Dutch Shell 1.4% Visa Inc. 1.3% Roche Holding AG 1.2% EMC Corporation 1.2% Wells Fargo & Company 1.2% Twenty-First Century Fox Inc. 1.2% CMS Energy Corporation 1.2% TOTAL 13.2% TOTAL INVESTMENTS: 162 Global Equity MFS Actions Investment mondiales Allocation MFS as at December 31, 2014 4. How has the Fund performed? 20.8% Financials 15.7% Information Technology 13.5% Consumer Discretionary 11.5% Health Care 10.7% Industrials 7.8% Consumer Staples 7.7% Energy 5.3% Materials 3.2% Utilities 3.0% Telecommunication Services 0.8% Cash / Money Market This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. Management Expense Ratio (MER): Series 6: 2.95% Series 7: 2.53% Portfolio Manager: MFS McLean Budden Portfolio Turnover Rate: 4.28 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $727. This works out to an average of -5.0% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $1,056. This works out to an average of 5.6% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $1,060. This works out to an average of 6.0% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went up in value 5 years and down in value 3 years of the 8. % 40 30 20 10 0-10 -20-30 -40-50 $ 11 000-6.68 2007* -38.33 2008 8.96 2009 0.13 2010-14.44 2011 Series 5 Series 6 Series 7 4.12 2012 29.99 2013 5.61 * Return is for a partial year from date first offered for sale. 2014* 6.00 10 500 (2) 10 474 $ 174 Contract and Information Folder October 2015 10 000 (1) 10 250 $

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long-term capital growth. Since the Fund invests in equities, changes in market conditions can cause its market value to increase or decrease in a short period of time. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 175

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF GLOBAL EQUITY MFS Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.95% 2.53% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.80% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 176 Contract and Information Folder October 2015

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF INTERNATIONAL EQUITY MFS Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: November 15, 1995 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 14 Series 7: 74 Net Asset Value per Unit: Series 6: 4.80 Series 7: 4.82 Number of Units Outstanding (000 s): Series 6: 3 Series 7: 15 Management Expense Ratio (MER): Series 6: 3.05% Series 7: 2.59% Portfolio Manager: MFS McLean Budden Portfolio Turnover Rate: 9.95 Minimum Deposit: Variable 3. What does this Fund invest in? This Fund invests in the MFS International Equity Fund. The underlying fund invests primarily in equity from large European and Far Eastern companies. Top ten investments of the underlying fund Bayer AG 4.8% Nestlé SA 4.0% Compass Group plc 3.4% WPP Group plc 3.0% HSBC Holdings plc 2.7% Taiwan Semiconductor Manufacturing Company 2.4% Schneider Electric 2.3% Air Liquide 2.3% Groupe Danone 2.2% UBS AG 2.2% TOTAL 29.3% International TOTAL INVESTMENTS: Equity MFS 72 Actions Investment internationales Allocation MFS as at December 31, 2014 4. How has the Fund performed? 20.9% Consumer Discretionary 18.2% Financials 15.9% Consumer Staples 11.5% Information Technology 9.9% Health Care 9.7% Industrials 8.4% Materials 2.9% Energy 1.4% Utilities 0.8% Cash / Money Market 0.5% Telecommunication Services This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2007 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on October 29, 2007, chose the Guarantee 75/75 and Series 5 now has $768. This works out to an average of -4.2% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $960. This works out to an average of -4.0% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $964. This works out to an average of -3.6% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 8 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2007 to 2013) or Helios2 75/75. Since October 29, 2007, the Fund went down in value 3 years and down in value 5 years of the 8. % 30 20 10 0-10 -20-30 -40-50 $ 11 000-4.34 2007* -36.71 2008 11.67 2009-3.06 2010-14.95 2011 Series 5 Series 6 Series 7 12.16 2012 22.89 2013-4.03 * Return is for a partial year from date first offered for sale. 2014* -3.64 fund facts 10 500 (2) 10 474 $ (1) 10 250 $ Contract and Information Folder October 2015 177 10 000

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF INTERNATIONAL EQUITY MFS Financial Information as at December 31, 2014 5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking long-term capital growth. Since the Fund invests in equities, changes in market conditions can cause its market value to increase or decrease in a short period of time. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. 178 Contract and Information Folder October 2015

B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 3.05% 2.59% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.80% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. fund facts Contract and Information Folder October 2015 179

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF INTERNATIONAL EQUITY GROWTH DESJARDINS Financial Information as at December 31, 2014 2. Quick Facts Inception Date: Fund: September 24, 2012 Series 6: February 24, 2014 Series 7: February 24, 2014 Total Value (000 s): Series 6: 569 Series 7: 20 Net Asset Value per Unit: Series 6: 4.85 Series 7: 4.87 Number of Units Outstanding (000 s): Series 6: 117 Series 7: 4 3. What does this Fund invest in? This Fund invests in the Desjardins Overseas Equity Growth Fund. The underlying fund invests primarily in large cap corporations outside of North America. Top ten investments of the underlying fund Baidu, ADR 5.3% Softbank Corporation 4.0% Tencent Holdings 3.9% Fiat 3.9% Inditex 3.6% AIA Group 3.3% Atlas Copco 3.0% Banco Popular Espanol 2.9% Rakuten 2.8% Prudential Financial 2.8% TOTAL 35.5% International TOTAL INVESTMENTS: Equity Croissance 74 Desjardins Actions Investment internationales Allocation Croissance as at December Desjardins 31, 2014 24.7% Financials 19.6% Consumer Discretionary 19.5% Information Technology 12.9% Industrials 6.3% Health Care 5.8% Materials 4.7% Consumer Staples 4.0% Telecommunication Services 2.5% Cash / Money Market Management Expense Ratio (MER): Series 6: 2.92% Series 7: 2.53% Portfolio Manager: Baillie Gifford Overseas Portfolio Turnover Rate: 13.94 Minimum Deposit: Variable It s important to note that this does not tell you how the Fund will perform in the future. Also, your actual return will depend on the Guarantee you choose and on your personal tax situation. Average return A Contract Owner who deposited $1,000 in the Fund on September 24, 2012, chose the Guarantee 75/75 and Series 5 now has $1,421. This works out to an average of 31.9% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 6 now has $971. This works out to an average of -2.9% a year. A Contract Owner who deposited $1,000 in the Fund and chose Helios2 75/75 on February 24, 2014 and Series 7 now has $973. This works out to an average of -2.7% a year. Year-by-year returns This chart shows how the Fund has performed in each of the past 3 years the past year for a Contract Owner who chose the Guarantee 75/75 (from 2012 to 2013) or Helios2-75/75. Since September 24, 2012, the Fund went down in value 2 years and down in value 1 year of the 3. % 40 30 20 10 5.15 35.13 4. How has the Fund performed? This section will tell you how the Fund has performed for a Contract Owner who chose Helios2 75/75. The performance shown below for the years 2012 to 2013 is for the Series 5. That Series is not available under this Contract and Information Folder. Returns are after the MER has been deducted. The returns for the Fund for Series 6 and Series 7 will vary due to differences in the MER. 0-2.94-2.68-10 2012* 2013 2014* Series 5 Series 6 Series 7 * Return is for a partial year from date first offered for sale. $ 11 000 10 500 (2) 10 474 $ 180 Contract and Information Folder October (1) 2015 10 250 $ 10 000

5. How risky is it? The value of your Deposit can go down. Very Low Low Low to moderate Moderate Moderate to high High 6. Are there any guarantees? This Fund is being offered under an insurance contract. It comes with guarantees that may protect an Owner s Deposit if markets go down. (The MER includes the insurance cost for Helios2 75/75.) For details, please refer to the Contract and Information Folder. 7. Who is this Fund for? This Fund may be right for a person seeking a balance of current income and capital appreciation. Since the Fund invests in equities, changes in market conditions can cause its market value to increase or decrease in a short period of time. 8. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell Units of the Fund. The ongoing fees and expenses are different for each Series and each Guarantee. A. Sales Charges Fee Option What you pay How it works No Load Series 6A or Series 7A Low Load Sales Charge Series 6B Deferred Sales Charge Series 6C You don t have to pay anything. If you sell within: 1 year of buying 2 years of buying 3 years of buying After 3 years If you sell within: 1 year of buying 2 years of buying 3 years of buying 4 years of buying 5 years of buying 6 years of buying 7 years of buying After 7 years 3.0% 2.5% 2.0% 0.0% 5.5% 5.0% 5.0% 4.0% 4.0% 3.0% 2.0% 0.0% There are no sales charges and your representative receives no commission. When you make a Deposit, Desjardins Financial Security pays a gross commission of 2.5%. Any low load sales charge you pay goes to Desjardins Financial Security. When you make a Deposit, Desjardins Financial Security pays a gross commission of 5.0%. Any deferred sales charge you pay goes to Desjardins Financial Security. The low load sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a low load sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a low load sales charge. The deferred sales charge is a set rate. It is deducted from the amount you sell. You can sell up to 12% of your Units each year without paying a deferred sales charge. You can switch to Units of other Funds under the insurance contract at any time, provided both Funds are offered under the Guarantee you have chosen without paying a deferred sales charge. fund facts Contract and Information Folder October 2015 181

1. DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY HELIOS2 CONTRACT DFS GIF INTERNATIONAL EQUITY GROWTH DESJARDINS Financial Information as at December 31, 2014 B. Ongoing Fund Fees The MER includes the Management Fee, operating expenses and taxes of the Fund as well as the insurance cost for Helios2 75/75. You don t pay these expenses directly. The additional guarantee fees apply if you have chosen Helios2 75/100 i and are paid out of the Contract each month. They affect you because they reduce the return you get on your Deposit. For more details about how the Guarantees work, see the Guarantees section in this Contract and Information Folder. Guarantee MER (annual rate as a % of the Fund s value) Series 6 Helios2 75/75 2.92% 2.53% Helios2 75/100 i Helios2 75/100 GLWB MER (annual rate as a % of the Fund s value) Series 7 If you choose Helios2 75/100 i, you will have to pay both the MER and the additional guarantee fee. Additional guarantee fee Series 6 or Series 7 None if you choose only Helios2 75/75 0.80% N/A C. Trailing Commission Desjardins Financial Security pays your representative a trailing commission for as long as you own Units of the Fund. It is for the services and advice your representative provides to you. The trailing commission is paid out of the Management Fee. The rate depends on the Series and the Fee Option you choose: Series 6 No Load 1.00% of the market value of the Units attributed to this Fee Option each year. Low Load Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year for the first 3 calendar years and 1.00% of the market value of the Units attributed to this Fee Option thereafter. Deferred Sales Charge 0.50% of the market value of the Units attributed to this Fee Option each year. Series 7 No Load 0.90% of the market value of the Units attributed to this Fee Option each year. D. Short Term Trading Fees Short-term or frequent trading represents an expense for all Owners. Consequently, for short-term or frequent trading, we may charge a fee of 2% of the transaction amount, in addition to any applicable charges. The Company also reserves the right to refuse to process this request. Whether trading is short-term or frequent will be determined at our sole discretion according to our Administrative Rules in effect, including but not limited to switches, transfers or partial surrenders of Units. 9. What if I change my mind? You can change your mind and cancel the Contract, the initial Deposit or any additional Deposit you apply to the Contract by telling us in writing within two business days of the earlier of the date you received confirmation or five business days after we have mailed it to you. Please see page 71 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page 71. 182 Contract and Information Folder October 2015

Notes Contract and Information Folder October 2015 183

Notes 184 Contract and Information Folder October 2015

GUARANTEED INVESTMENT FUNDS 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: Standard and Poor s A+ Moody s Aa2 Dominion Bond Rating Service AA Fitch AA- 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 read it it carefully before investing. Helios2 is a 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. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. TM TM TM Trademark owned by Desjardins Financial Security Life Assurance Company 100% This document is is is printed on Rolland Enviro paper. 13188E (15-09)