Market-linked term investments – Guarantee Advantage
1. MARKET-LINKED TERM INVESTMENTSCAMPAIGN OF FEBRUARY 2014 Deadline for Deposits January 31, 2014 at 4 p.m. (Eastern Time)Securities HealthcareConsumer StaplesFinancialsGlobal Diversified• Bristol-Myers Squibb Co. • Eli Lilly • GlaxoSmithKline PLC • Johnson & Johnson • Merck & Co. Inc. • Novartis AG • Pfizer Inc. • Roche Holding AG • Sanofi-Aventis SA • Takeda Pharmaceutical• Coca-Cola Co. • ConAgra Foods Inc. • Danone SA • General Mills • Kellogg Company • Kimberley-Clark Corp. • Nestlé SA • Procter & Gamble Co. • Tesco PLC • Unilever NV• Bank of Montreal • CIBC • Great-West Lifeco Inc. • Intact Financial Corporation • Manulife Financial Corp. • Royal Bank of Canada • Scotiabank • TD Bank GroupCo. Ltd• 3M • AstraZeneca PLC • Bank of Montreal • BASF SE • Commonwealth Bank • Exxon Mobil • General Mills • IBM • Johnson & Johnson • Microsoft Corp • National Grid • Procter & Gamble• RogersCommunications • Royal Bankof Canada • Siemens • TakedaPharmaceuticals • TD Bank Group • Thomson Reuters • TransCanada Corp. • Unilever PLCTerms 3 years and 2 days5 years and 2 days HealthcareInitial Date Maturity DateFebruary 12, 2014 February 14, 2017Initial Date Maturity DateConsumer Staples, Financials and Global Diversified February 14, 2014 February 14, 2014 February 16, 2017 February 16, 2019February 12, 2014 February 14, 2019Return options 3 years and 2 days1.5%Guaranteed minimum return(annual return: 0.50%)Potential maximum return(annual return: 2.28%)7%0%10%(annual return: 3.23%)5 years and 2 days5%(annual return: 0.98 %)18%(annual return: 3.37%)0%28%(annual return: 5.06 %)If the return at maturity is between the minimum and maximum percentage of the chosen option, the actual return will be used.Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.
2. MARKET-LINKED TERM INVESTMENTSFeatures Minimum Deposit 1$500 Deposits are accepted up to age 95.Eligibility for registered plans 2,3 RRSPs, RRIFs, LIRAs, LIFs, TFSA and non-registered Surrender optionThe Initial Deposit may be surrendered or transferred in full or in part at any time. Surrender Value = Current Value – [(compound interest rate on Deposit with similar remaining term + 1.5%) X number of years to maturity remaining X Current Value] The Surrender Value cannot be greater than the Initial Deposit.Death Benefit guaranteeThe Death Benefit amount is equal to 100% of the Initial Deposit.Interest on Deposits made before an Initial DateInterest rate of the special Daily Interest Fund: 1%Management feesNo feesParticipation rate100%Assuris protectionYesCreditor protection 4When a “preferred” Beneficiary or an irrevocable Beneficiary is named.Specific Business Days Specific Business Days are used to calculate the Investment rate of Return.3 years et 2 days5 years et 2 daysHealthcareDecember 12, 2016 January 12, 2017 February 13, 2017December 12, 2018 January 15, 2019 February 12, 2019Consumer Staples Financials Global DiversifiedDecember 14, 2016 January 17, 2017 February 14, 2017December 14, 2018 January 15, 2019 February 14, 2019To write on the Contract Application “GA” followed by the name of the basket of securities and the return option chosen by the client. For example: GA Healthcare 0-10 GA Financials 5-18 All Deposits are initially invested in a special Daily Interest Fund pending their investment on the next issue date. The sum accumulated (minimum $500) on this date, called the Initial Date, constitute the Initial Deposit and will be invested in Guarantee Advantage®. The maturity date of a PAC depends on the Initial Date and term. 2 Eligible for LIFs only under the Quebec legislation. 3 No periodic payments for a RRIF or a LIF. 4 This is for your information only and does not constitute a legal opinion. The exemption from seizure rules can differ by province and can be very complex. Contracts are subject to seizure if it can be proven that the plan was set up to avoid paying off a debt or if the insured goes bankrupt within one year of designating a Beneficiary. We recommend that you contact a lawyer or notary to review your specific situation. The information contained in this material is subject to change without notice. Desjardins Insurance reserves the right to suspend Guarantee Advantage® Deposits for the February 2014 campaign or to postpone the Initial Date.09014E (13-11)1Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. 100%®Registered trademark owned by Desjardins Financial Security