MARKET-LINKED TERM INVESTMENTS

CAMPAIGN OF FEBRUARY 2014

Deadline for Deposits January 31, 2014 at 4 p.m. (Eastern Time)

SecuritiesHealthcare Consumer Staples Financials Global 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

Co. Ltd

• 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 Group

• 3M• AstraZeneca PLC• Bank of Montreal• BASF SE • Commonwealth Bank • Exxon Mobil• General Mills• IBM• Johnson & Johnson• Microsoft Corp• National Grid• Procter & Gamble

• Rogers Communications

• Royal Bank of Canada

• Siemens• Takeda

Pharmaceuticals• TD Bank Group• Thomson Reuters• TransCanada Corp.• Unilever PLC

Terms 3 years and 2 days 5 years and 2 days

HealthcareInitial Date February 12, 2014 February 12, 2014Maturity Date February 14, 2017 February 14, 2019

Consumer Staples, Financials and Global DiversifiedInitial Date February 14, 2014 February 14, 2014Maturity Date February 16, 2017 February 16, 2019

Return options 3 years and 2 days 5 years and 2 days

Guaranteed minimum return

1.5%(annual return: 0.50%) 0% 5%

(annual return: 0.98 %) 0%

Potential maximum return

7%(annual return: 2.28%)

10%(annual return: 3.23%)

18%(annual return: 3.37%)

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.

FeaturesMinimum 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 option The 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 guarantee The Death Benefit amount is equal to 100% of the Initial Deposit.

Interest on Deposits made before an Initial Date

Interest rate of the special Daily Interest Fund: 1%

Management fees No fees

Participation rate 100%

Assuris protection Yes

Creditor protection 4 When a “preferred” Beneficiary or an irrevocable Beneficiary is named.

Specific Business DaysSpecific Business Days are used to calculate the Investment rate of Return.

3 years et 2 days 5 years et 2 days

HealthcareDecember 12, 2016 December 12, 2018January 12, 2017 January 15, 2019February 13, 2017 February 12, 2019

Consumer StaplesFinancialsGlobal Diversified

December 14, 2016 December 14, 2018January 17, 2017 January 15, 2019

February 14, 2017 February 14, 2019

To 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

MARKET-LINKED TERM INVESTMENTS

1 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.

0901

4E (1

3-11

)

100%

Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.® Registered trademark owned by Desjardins Financial Security