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FOR ADVISOR USE ONLYDFS stands for Desjardins Financial Security. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. In addition, Desjardins, Desjardins Insurance and related trademarks are trademarks of the Fédération des caisses Desjardins du Québec used under licence by Desjardins Financial Security Life Assurance Company. This document has been prepared solely for the use of Desjardins advisors and is not for further distribution. SafeguardinginvestmentsagainstinflationNovember 2023

An overview featuring Desjardins' 

Glen Wyllie and Philippe-Olivier Dumas

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.2Philippe-Olivier DumasSection Manager, Product Development, Guaranteed Investment Funds and AnnuitiesGlen WyllieRegional Vice-President, Sales, Western Canada, Desjardins Investment Solutions Safeguarding investments against inflation

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.3Source: Investor Economics – Household Balance Sheet report, 2022, RebasedDid you know?$1.228 trillion will be transferred from one generation to the next over the next 10 years.

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.Estate settlementInflationMarket downturnsWill loved ones receive the full value of your clients’ estate?The facts speak for themselves!4

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.US Real GDP Growthq/q annualized % change-202468102021 2022 2023 2024Real GDP Final domestic demandDesjardins forecastsSources: Bureau of Economic Analysis and Desjardins Economic StudiesGlobal economic outlookA mild US recession is likely to begin around the turn of the year5

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.Canada: Interest rates%, end of period00.511.522.533.544.55012345Q4 2004 Q4 2009 Q4 2014 Q4 2019 Q4 2024Overnight rate 2-year GoC bond yield 5-year GoC bond yieldDesjardinsforecastSources: Bank of Canada and Desjardins Economic StudiesCanada interest ratesBank of Canada is likely done hiking and may cut in early 20246

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.%, year-over-year-20246810-101234567892018 2019 2020 2021 2022 2023 2024Total Excluding food and energyCanada: Consumer Price Index InflationDesjardins forecasts%, year-over-yearSources: Statistics Canada and Desjardins Economic StudiesCanada inflationInflation has peaked in Canada and is expected to keep slowing7

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.Lock those gains!This simulation is for information purposes only and is neither an indication nor a guarantee of future results. Portfolio mix: 40% Bond, 60% Equity invest in a 75/75 guarantee.*Desjardins internal research by Desjardins Insurance, September 18, 2023. Data subject to change.$0$25,000$50,000$75,000$100,000$125,000$150,000$175,000$200,0002013-08-31 2014-08-31 2015-08-31 2016-08-31 2017-08-31 2018-08-31 2019-08-31 2020-08-31 2021-08-31 2022-08-31 2023-08-31Balanced Fund Death Benefit (75/75)10

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.11This graph shows a simulation of the annual automatic reset of the Minimum Death Benefit Amount until the Annuitant reaches age 75. Desjardins Insurance has prepared this simulation for information purposes only. It is neither an indication nor a guarantee of future resultsSimulation conducted in January 2022 by Desjardins Insurance. Based on historical inflation rate data in Canada since 1992Helios2 – 75/100iThe Minimum Death Benefit never decrease Helios2 - Advisor Resources (WEBI)

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.All amounts attributed to a DFS GIF are invested at the risk of the Contract Owner and the market value may increase or decrease in value. This table shows a simulation of the annual automatic reset of the Minimum Death Benefit Amount until the annuitant reaches age 75. This simulation is for information purposes only and is neither an indication nor a guarantee of future results. Portfolio mix: 10% FTSE Canada Universe Bond, 20% S&P/TSX, 20% S&P500, 50% MSCI World from April 28, 2000 to April 28, 2006.*The annual automatic reset of the Minimum Death Benefit Amount ends when the annuitant reaches age 75. **Desjardins internal research, August 31, 2021. Data subject to change. Based on historical inflation rate data in Canada since 1992Inflation-adjusted Death BenefitThe only one of its kind in Canada**!Helios2 – 75/100 i Other 75/100 Other 75/100Yearly resets* + inflation adjustment3-year resets + no inflation adjustmentYearly resets + no inflation adjustmentDeath Benefit value MarketvalueDeposit$100,000 $100,000$100,000$100,000Year1$104,400$100,000$100,000$82,462Year2$106,070$100,000$104,805$104,805Year3$108,616$100,000$104,805$95,112Year4$111,245$100,000$111,245$111,245Year5$128,252$100,000$128,252$128,252Year6$128,252$107,507$128,252$107,50712 Helios2 - Advisor Resources (WEBI)

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.$50,000$100,000$150,000$200,000$250,000$300,000$350,0002000200120022003200420052006200720082009201020112012201320142015201620172018201920202021Market Value Inflation Adjusted Value Death Benefit (Helios2 - 75/100 i)Investments may be protected from marketdownturns and inflationThis simulation is for information purposes only and is neither an indication nor a guarantee of future results. Portfolio mix: 10% FTSE TMX Canada Universe Bond,20% S&P/TSX, 20% S&P500, 50% MSCI World. Resets of the Minimum Death Benefit Amount only until the annuitant reaches age 75 based on various resetfrequencies. Please refer to the Contract and Information Folder for more information on Helios2 – 75/100 i.*Desjardins internal research by Desjardins Insurance, August 31, 2021. Data subject to change. Based on historical inflation rate data in Canada since 199219 resets in21 yearsReset of Death BenefitUNIQUEIN CANADA!*
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FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.14Source: Desjardins. All amounts attributed to a DFS GIF are invested at the risk of the Contract Owner and the market value may increase or decrease in value. This graph shows a simulation of the annual automatic reset of the Minimum Death Benefit Amount until the annuitantreaches age 75. This simulation is for information purposes only and is neither an indication nor a guarantee of future results. Portfolio mix: 10% FTSE Canada Universe Bond, 20% S&P/TSX, 20% S&P500, 50% MSCI World from April 28, 2000 to April 28, 2006.*The annual automatic reset of the Minimum Death Benefit Amount ends when the annuitant reaches age 75.Simulation conducted in January 2022 by Desjardins Insurance. Based on historical inflation rate data in Canada since 1992Protected when markets are downEstate protection

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.15All amounts attributed to a DFS GIF are invested at the risk of the Contract Owner and the market value may increase or decreasein value. This graph shows a simulation of the annual automatic reset of the Minimum Death Benefit Amount until the annuitantreaches age 75. This simulation is for information purposes only and is neither an indication nor a guarantee of future results.*The annual automatic reset of the Minimum Death Benefit Amount ends when the annuitant reaches age 75. Simulation conducted in January 2022 by Desjardins Insurance. Based on historical inflation rate data in Canada since 1992Growth at all timesUpside participation with downside protection

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.Estateby-passPrivacy protectionWhy offer Guaranteed Investment Funds?BeneficiarydesignationQuick processingtime*16* When the Beneficiary is named in the Contract and upon receipt of necessary documentation, such as the death certificate.

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.Investment with an insurance company*When the Beneficiary is named in the Contract and upon receipt of necessary documentation, such as the death certificate.When a Beneficiaryis named in the Contract,the assets are not part of the estate.Time to pay the guaranteed value of the investmentsfor owners of a segregated funds Contract:5 days*Insurance companyBeneficiaryEstatePayments:Creditor, taxes18

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.It costs money to settle an estate and those costs reduce the amount clients leave their loved ones.Tax Reference Guide 2018-2019. Fees vary from province to province. Check the information for a specific province for an accurate figure.Example of a $100,000 estate in OntarioFees (%)ExampleValue ($)Marketvalue $100,000Probatefees(up to 1.5% depending on the province)1% - $1,000Accountingfees(between 2% and 5%)2%- $2,000Executor fees(between 2% and 5%)3% - $3,000Legalfees(between 2% and 5%)2.5% - $2,500Redemptionfees(up to 5%)2% - $2,000Whatis left for the heirs $89,50019

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.The Beneficiary gets the full market value of investmentsTax Reference Guide 2018-2019. Fees vary from province to province. Check the information for a specific province for an accurate figure.Example of a $100,000 Contract from an insurance companyFees (%)ExampleValue ($)Marketvalue $100,000Probatefees(up to 1.5% depending on the province)N/A$0Accountingfees(between 2% and 5%)N/A$0Executor fees(between 2% and 5%)N/A$0Legalfees(between 2% and 5%)N/A$0Redemptionfees(up to 5%)N/A$0Whatis left for the heirs $100,00020

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.Dying intestate… the law may decide for your clientThe information in this presentation is provided for illustrative purposes only and does not constitute a legal opinion. Rules vary between provinces. Interested parties should consult a legal expert (lawyer or notary) for an assessment of their specific situation.SITUATIONSpouse ChildrenSpouse,no children100%Spousewithone child50% 50%Spousewithmore than one child1/3 2/3No spouse,no childrenParents or brothers/sisters if no parentsNo spouse,withchildren100%21

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.Privacy protectionPublic Private22

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.23Privacy protectionControl $ after death(annuity settlement option)

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.What guarantees are offered through the Helios2 Contract?28 Helios2 - Advisor Resources (WEBI)

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.Performance that stands out1As at August 31, 2023. Performance is for Series 6 and is annualized for time periods exceeding one year. © 2023 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.★ ★ ★ ★ ★Guaranteed Invesment Funds – Helios2MorningstarRatingPerformance13 years 5 yearsSince InceptionDFS GIF – International Equity – MFS★ ★ ★ ★ ★6.06 5.13 5.62DFS GIF – Maximum Growth★ ★ ★ ★ ★4.21 5.22 5.74DFS GIF – Canadian Balanced – Fiera Capital★ ★ ★ ★4.74 5.08 5.09DFS GIF – Canadian Equity – Fidelity True North ®★ ★ ★ ★9.06 7.12 6.03DFS GIF – Global Equity – MFS★ ★ ★ ★5.11 6.38 7.8030

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.High net worthPricingHelios2DesjardinsMinimum investment $250,000 ProcessAutomaticSeparatecontract NoFeereduction 0.30% before taxesBalancedportfolio 2.00%31

FOR ADVISOR USE ONLYDesjardins Insurance refers to Desjardins Financial Security Life Assurance Company.We’ll bein touch32 Helios2 - Advisor Resources (WEBI) Helios2 GIFs - Advisor Guide (PDF) Desjardins - Find your Regional Sales Director Desjardins Insurance –  Helios2 GIFs