Your TM TM Trademarks owned by Desjardins Financial Security Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

Table of content  Target Markets  Universal Life  Protection Component ­ Life ­ Health  Savings Component  Concepts  Additional Features  Supplementary Information

Target Markets Clients who want to…  Preserve their estate  Make it easier to pay taxes on death  Finance share buy-back between shareholders  Invest in a tax-sheltered environment  Accumulate a savings fund for retirement  Cover additional expenses related to health problems

Target Markets (cont'd) Clients who want to…  Grow tax-sheltered savings quickly  Accumulate an estate for their heirs  Establish an emergency fund in case of critical illness, disability or loss of independence  Be able to access their savings (collateral financing)

Universal Life  An insurance policy where the owner makes deposits into the fund, which accumulate free of tax. The premium and policy fees are then drawn from this fund.  Based on the investor profile, the fund is placed in investments of the owner's choosing.  Upon the death of the insured the sum insured and the fund is paid to the beneficiary tax-free.

Universal Life  Possibility to increase your client's life insurance coverage, and expand the investment "window".  Your client can use the fund's accumulated principal and growth whenever it is needed.

Universal Life  Protection component The protection component offers a choice of term life insurance of various durations, whole life insurance or hybrid insurance.  Savings component The savings component offers various investment options, including guaranteed deposits and index funds. UL Protection component Savings component Tax sheltered Accumulation fund

Life protection component

Cost of Insurance Options (COI)  YRT COI: ­ Flex 1 and Flex 1 paid-up at age 85/20 years  YRT/Level COI: ­ Premier and Accumulator  Level COI: ­ Foundation, Precision, Precision 10, Precision 20 and Precision at 65  Term COI: ­ Flex 10, Flex 20, Flex 30 and Family Advantage/Guaranteed Income Whether YRT or Level, all COI rates are fully guaranteed

Flex 1  Guaranteed Cost of Insurance: ­ YRT to age 100 ­ Cost of insurance ceases to be payable thereafter ­ Option to level the COI as of the 4 th year  Competitive rates  Great cash accumulation

Flex 1 paid-up at age 85/20 years  Guaranteed Cost of Insurance: ­ Yearly renewable term (YRT) to age 85 or 20 years if insured is older than 65 years of age at time of issue ­ Cost of insurance ceases to be payable thereafter ­ Option to level the COI as of the 4 th year  Competitive rates  Great cash accumulation

Premier  Guaranteed Combination of YRT / Level : ­ Fixed for first 3 years ­ YRT to age 65 or for 7 years if insured is 55 years of age or older at time of issue ­ As of age 75, the cost decreases 5% per year for 10 years ­ Fixed to age 100 thereafter. The rates are applicable to the amount of insurance for the current year  Great cash accumulation

Accumulator  Guaranteed Combination of YRT / Level: ­ Fixed for first 3 years ­ YRT to age 65 or for 7 years if insured is 55 years of age or older at time of issue ­ As of age 75, the cost decreases 5% per year for 10 years ­ Fixed to age 100 thereafter ­ Rates applicable to the amount of insurance for the current year  Sum Insured: ­ Fixed to age 74 (at least 10 years) ­ Decreases 5% per year for 10 years ­ Fixed thereafter  Great cash accumulation

Foundation  Guaranteed Cost of Insurance: ­ Level to age 100  Fixed Amount of Insurance up to $7,500,000  Option to add the Critical Illness Advance or Long-term Care Advance  Excellent for Estate Planning

Precision  Guaranteed Cost of Insurance: ­ Level to age 100  Cash surrender values and Paid-up insurance available.  Amount of Insurance: ­ Minimum of $10,000 (ages 45 to 80)  Option to add the Critical Illness Advance  Eligible for Multi-Coverage Discount (MCD)

Precision 10  Guaranteed Cost of Insurance: ­ Level and payable in 10 years  Minimum Amount of Insurance of $10,000  Cash surrender values and Paid-up insurance available  Eligible for Multi-Coverage Discount (MCD)

Precision 20  Guaranteed Cost of Insurance: ­ Level and payable in 20 years  Minimum Amount of Insurance of $10,000  Cash surrender values and Paid-up insurance available  Eligible for Multi-Coverage Discount (MCD)

Precision at 65  Guaranteed Cost of Insurance: ­ Level and payable until age 65 or 15 years if insured is older than 50 years of age at time of issue  Minimum Amount of Insurance of $10,000  Cash surrender values and Paid-up insurance available  Option to add the Critical Illness Advance at 65  Eligible for Multi-Coverage Discount (MCD)

Family Advantage/Guaranteed Income  Level Cost of Insurance, options to age 50, 55, 60 or 65  Non-renewable and non-convertible  Sum Insured is the amount of the fixed monthly benefit

Flex 10, 20 and 30  Guaranteed Cost of Insurance: ­ 10, 20 and 30 year renewable term insurance ­ Level Cost of Insurance from age 80 to 100  Low initial Cost of Insurance  Short term needs  Flexible Options ­ Renewal, Conversion, Insurability, Association and Exchange Options  Eligible for Multi-Coverage Discount (MCD)

Health protection component

Health coverages  Hybrid Life & Critical Illness ­ Life with Critical Illness Advance, available on: Foundation Precision Precision at 65  Hybrid Life & Long-term Care ­ Life with Long-term Care Advance, available on: Foundation  Critical Illness ­ Harmony (T10 & T20)

Life with Critical Illness Advance  Permanent Life and Critical Illness coverage ­ Allows the client to choose an advance in case of critical illness between: $10,000 and $2,000,000 of the life amount of insurance ­ Tax-free benefit upon the diagnosis of a covered critical illness or condition ­ Life amount of insurance reduced by the critical illness benefit  Guaranteed Cost of Insurance ­ 2 choices of Cost of Insurance: Level to age 100 Level to age 65 or for 15 years when insured is older than age 50

Life with Critical Illness Advance (cont'd)  25 covered critical illnesses including: ­ Long-term Care protection ­ 4 Recovery Cash Advance Diagnosis and Treatment ­ Serious complications of 4 infectious diseases  No waiting period  Expert Medical Opinion Program from Advance Medical

Life with Long-term Care Advance  Permanent Life and Long-term care coverage ­ Allows the insured to receive a monthly benefit advance in case of Long-term Care ­ Life amount of insurance reduced by the monthly benefits ­ A minimum of 25% of the life insurance amount is paid upon death  Guaranteed Cost of Insurance (COI) ­ Level to age 100 ­ When the monthly benefit is paid: The Long-term Care Advance COI is waived The Life insurance COI is waived for the first $250,000

Life with Long-term Care Advance (cont'd)  Monthly benefit payment of 1% of the life insurance amount, up to $2,500: ­ When the insured is 65 and older with a loss of independence state ­ For a maximum period of 100 months  Insured must be unable to perform 2 of the 6 activities of daily living or suffer from a cognitive impairment  90-day waiting period  Assistance Services

Harmony (T10 and T20)  Critical Illness insurance ­ Fixed and Guaranteed Amount of Insurance  Guaranteed Cost of Insurance: ­ 10 and 20 year renewable term insurance ­ Level Cost of Insurance from age 75 to 100 ­ Renewal, Conversion and Exchange Options  25 covered critical illnesses including: ­ Long-term Care protection ­ 4 Recovery Cash Advance Diagnosis and Treatment ­ Serious complications of 4 infectious diseases

Harmony (T10 and T20) (cont'd)  Option to refund the costs of insurance upon death with a minimum of 25 % of the amount of insurance  Prompt Recovery Assistance Service  Must be joined with a Life insurance coverage of equal or higher value, on the same insured

Covered Critical Illnesses (25)  Alzheimer's Disease  Aplastic Anemia  Stroke  Severe Burns  Cancer  Blindness  Aortic Surgery  Coma  Heart Attack  Major Organ Transplant  Major Organ Failure on Waiting List  Kidney Failure  Motor Neuron Disease  Bacterial Meningitis  Parkinson's Disease  Paralysis  Loss of Limbs  Loss of Speech  Loss of Independence Existence  CoronaryAartery Bypass Surgery  Heart Valve Replacement  Multiple sclerosis  Deafness  Benign Brain Tumour  Occupational HIV Infection

Savings Component

Savings Component Principle  The owner makes deposits into the fund, which accumulate free of tax. The premium and policy fees are then drawn from this fund  The fund is then placed in investments of the owner's choosing based on his or her investor profile  When the owner dies, this fund is paid to the insurance policy's beneficiary free of tax

Cost of protections TAX SHELTER - TAXES $ RETURN ON SAVINGS ACCUMULATION FOND ACCUMULATION FOND TAX-EXEMPT RETURNS LIFE, HEALTH AND DISABILITY PROTECTIONS BENEFITS death / illness / disability + ACCUMULATION FOND Deposits

PACE INVESTMENT OPTIONS Secure, Moderate and Balance type of investment

PACE INVESTMENT OPTIONS Growth and Speculative type of investment

Concepts Component

Concepts Platform  Individual ­ WEP – Wealth Escalator Plan ­ BSP – Benefit Sharing Plan ­ Collateral Financing ­ MCD – Multi-Coverage Discount ­ Life 20 pay ­ Long Term Care and Retirement ­ Consumer's Critical Illness ­ Harmony New Generation * Please consult Webi for more information on these concepts.

Concepts Platform (cont'd)  Corporate ­ WEP – Wealth Escalator Plan ­ BSP – Benefit Sharing Plan Key employee Shareholder Holding compagny ­ EHSP – Executive Health Savings Plan * Please consult Webi for more information on these concepts.

Additional Features

 Multi-Coverage Discount (MCD)  Saving Maximizer  Disability Annuity Payout (DAP)

Multi-Coverage Discount  The Multi-Coverage Discount (MCD) is specially designed so that your clients may enjoy reduced premium rates when they purchase, at the same time, at least two eligible life insurance coverages for the same insured.  For each insured, it is the total insurance amount of coverages that is used to determine the reference rate bands for each of the coverages. The jump is limited to one higher band rate.

Multi-Coverage Discount (cont'd)  Eligible products ­ Flex 10 ­ Flex 20 ­ Flex 30 ­ Precision ­ Precision 10 ­ Precision 20 ­ Precision at 65

Saving Maximizer  Allows you to maximize the savings accumulated in the tax-exempt fund by minimizing the sum insured every year.  The insurance amount decreases gradually to reach $25,000.  Result => Fund maximized

Disability Annuity Payout (DAP)  The DAP program lets the owner access the cash value tax-free in case of serious illness, disability or loss of independence to an insured.  No cost for this benefit.

Additional Information

Policy fees  3 options: ­ Monthly: $4.40 ­ Annually: $52.80 ­ One-time payment: $390.60

Investment Bonus  Base bonus: 1.25% of the accumulation fund value  Yield bonus: 0.50% ­ Payable if the Net Yield of the accumulation fund is at least 8% over the contract year. Payable on the average accumulation fund value at the end of the contact year! This benefit can provide extra growth potential for the fund. There are two components to the Investment Bonus:

Investment Bonus (cont'd) Payment conditions : The base bonus and the yield bonus are payable if: For the first 14 years of the contract :  The sum insured is at least $100,000 and  The average fund is $15,000 or greater Or from the 15th year of the contract :  The sum insured is at least $100,000 and  The average fund is ≥ $0.

Investment Bonus (cont'd) Or for 10 consecutive years  The sum insured has been maintained at or above $250,000 Or else for 10 consecutive years  When issued prior to this coverage, the amount of insurance of any other coverage giving access to a bonus has been maintained at or above $250,000.

Investment Bonus (cont'd)  The total cumulative premium amount paid is $100,000 or greater and  The sum insured has been maintained at or above $100,000 for the first 5 years of the contract Or else  The total cumulative premium amount paid is $75,000 or greater and  The sum insured has been maintained at or above $500,000 for the first 5 years of the contract Furthermore, the Yield Bonus is payable on Indexed Investment Options, regardless of the Net Yield, if at the 5th contract anniversary: *** Thereafter, the base bonus and yield bonus are vested for all the contract duration ***

Thank you!