1. GOLDEN EDGE Pride and i ndependence …i t’s never too late.

2. Do you know anyone who...  Is age 55 or over?  Consider themselves uninsurable?  Require only a small amount of life insurance?  Would like to leave a legacy to their grandchildren?

3. Desjardins Financial Security can help! Introducing...

4. Golden Edge Classic Golden Edge Enhanced Easy, affordable, peace of mind.

5. Why Golden Edge?  Some people require less coverage than most plans allow.  Others may have a medical history that they believe excludes them from purchasing life insurance.  Still others think they are too old to purchase life insurance.

6. Why Sell It?  It is a product for the mature market - people you are probably working with.  Simple sale.  Easy application process.  COMPCORP protected.

7. What Is Golden Edge? A life insurance program designed for the mature market to provide needed coverage with a simplified process.

8. Plan Highlights  2 plans - Classic & Enhanced.  Different rates for each plan.  Smoker / non-smoker rates.  2 year claim clause.  1 application.

9. PLAN DETAILS - CLASSIC Premiums and Face Amount  Minimum $2,500 face amount and annual premium of $300.  Maximum $25,000 per insured.  Low annual policy fee of $25.  Guaranteed level premium.  Payable to age 100.

10. PLAN DETAILS – CLASSIC Claims  No claim clause - 2 years.  Claims made within first 2 years refund of premiums paid to date of death. no interest  Clause cannot be waived.

11. PLAN DETAILS – CLASSIC Equity  Guaranteed  Begins at end of 3rd year

12. PLAN DETAILS – CLASSIC Underwriting  Just 7 questions  Must answer “NO” to all  MIB check

13. GOLDEN EDGE ENHANCED  Answer “NO” to three (3) additional questions and receive a lower rate than Classic. WHAT DOES THIS MEAN FOR YOUR CLIENT?

14. PLAN DETAILS - ENHANCED Same as Classic  Issue Ages  Minimum/maximum face amounts  Equity features  Premium to age 100

15.  Automatic coverage for ages 55-69 on underwriting approval.  No 2 year claim clause. PLAN DETAILS - ENHANCED

16. Removal of 2 Year Clause  For ages 70-85.  Physician’s Declaration. (back of second copy of app)  $25 fee within 60 days of signing app PLAN DETAILS - ENHANCED

17. Underwriting  7 Classic questions PLUS...  3 Enhanced questions  “No” to all to qualify  MIB check PLAN DETAILS - ENHANCED

18. Golden Edge Classic Golden Edge Enhanced Pride and i ndependence