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www.desjardinsfinancialsecurity.com

TM Trademark owned by Desjardins Financial Security Life Assurance Company

Desjardins Financial SecurityOVER 100 YEARS OF EXPERIENCE

Desjardins Financial Security offers a full range of lifeand health insurance products, as well as savingsproducts, tailored to the protection and retirementneeds of both individuals and groups. DesjardinsFinancial Security meets the financial security needs ofover five million Canadians with the help of employeesand partners committed to ensuring their satisfaction.

As a client of Desjardins Financial Security, youbenefit from a comprehensive and integrated offer ofservice that will help you and your family achievepersonal objectives with the right combination ofprotection and capital growth. We offer you accessto an innovative array of products suited to yourunique needs, with attentive and professional servicefrom our financial advisors.

Enjoy life with confidence knowing that DesjardinsFinancial Security is at your side protecting you andyour family, and helping you achieve your most important dreams!

PROTECTyour life, your health and your assets

AND MAXIMIZEyour returns…

SAVE,INVEST

»

Your dreams can come truewith the PACETM

Financial Planning Platform!

You have a promising career and a busy personal life…Your success reflects your ambitions…

but you have other dreams!

To make all your dreams come true…It’s important to saveand maximize your returns, and to protect your assets at the

same time.

To help you reach your financial goals, we present PACETM…The Financial Planning Platform that protects your finances

and provide security for your loved ones. PACE allowsyou to invest within a tax-sheltered environment to

maximize your returns.

From the very beginning, Desjardins Financial Security hasbeen committed to protecting your estate, helping you

accumulate your savings and achieving your biggest dreams.

With the PACETM Financial Planning Platform you can achieveall these objectives within one flexible contract.

Your hard work and discipline over the years havereally paid off. You now have the financial stabilityand independence to look into the future withconfidence and realize some of your biggest dreams.To maximize your returns, you want an innovativefinancial solution with tax-saving capabilities. Asidefrom RRSPs, there are very few ways to invest ina tax-sheltered plan that includes a comprehensiverange of life and health insurance coverages.

The PACETM Financial Planning Platform offersthe tax-saving benefits of universal life insurancecombined with the protection benefits of traditionalinsurance products.

With a judicious combination of options selectedbased on your unique needs, your immediate plansand future goals, PACETM allows you to:

> Protect your life, your health and yourassets

> Save and invest in a tax-sheltered plan

> Maximize your returns

THE BASIC PACE PRINCIPLE ISFLEXIBILITY… AND ITS BENEFITS ARESIGNIFICANT!

> Purchase any of the available life andhealth insurance coverages

> Combine several insurance coverages intoone policy

> Watch your tax-sheltered funds grow witheach periodic payment you make

> Use a portion of your fund to pay for yourinsurance coverages

> Invest any excess amounts you accumulatein investment options of your choice

> Add unique health coverages orsupplementary benefits to the policy foradded security

> Increase your life insurance coverage, andexpand your investment “window” if you wish

> Use the principal and interest you haveaccumulated whenever you need it

PACE™ gives you realfinancial leverage that’s

both flexible and efficient.

ACCESSIBILITYIn the event of deathAccumulation Fund is completely tax exempt.

In the event of illnessCash Value of Accumulation Fund is completely tax exempt.

Cost of life insurance and optional benefits

All expenses related to the life, health and other insurance benefits are withdrawn monthly from the Accumulation Fund.

DEPOSITSDEPOSITS

-- TAXES-- TAXES

ACCUMULATIONFUND

Tax-exempt returns

RETURN ON SAVINGS

LIFE, HEALTH AND DISABILITY COVERAGES

LIFE, HEALTH AND DISABILITY COVERAGES

Financial benefits during the insured's lifetime and at death

1.Major tax break –Reach your financial objectives faster

2.Emergency fund that can be used anytime

3.All financial needs managed under one comprehensive policy

4.BENEFITS

TAX SHELTERTAX SHELTER

$

ACCESSIBILITYFor personal reasonsAccumulation Fund is tax exemptsubject to advantageous taxconditions*.

* The portion of the withdrawal that exceeds the contract’s adjusted cost basis is taxable.

»»In addition to protecting the lifestyle of loved onesin the event of an insured’s death, the PACETM LIFEoptions allow you to:

• Access a performing financial vehicle fortax-sheltered accumulation;

• Pay your premiums with your tax-freeinvestment income;

• Enjoy the benefits of your insurance policywithout worrying about your tax obligationupon death;

• Make periodic withdrawals from youraccumulated fund* as needed.

In the event of illness, disability or loss of independence,PACETM HEALTH options can help you meet a varietyof financial needs, including:

• Immediate income replacement;

• Access to quality healthcare during recovery;

• Repayment of short or long-term debts.

“When you’re in good health, it’s hardto imagine that you might one day beforced to stop working temporarily oreven permanently due to illness… If thatever happens, I wouldn’t want to use upmy hard earned savings and start fromscratch."

“Protecting the lifestyle of my lovedones is the most important thing to me…if I can use my life insurance policy toinvest tax sheltered at the same time,I'll reach my financial goals that muchfaster!”

*The portion of the withdrawal that exceeds the contract’sadjusted cost basis is taxable.

Protecting your life, yourhealth and your assets:The basis of soundfinancial planning

»Investing in a tax-sheltered plan: An added benefitRegardless of your investor profile, several investmentobjectives remain the same:

1. To accumulate funds as quickly as possible;

2. To minimize taxes;

3. To maximize your investment returns.

The PACETM Financial Planning Platform enables you toachieve all three of these investment objectives.

When apply for in any of the PACETM LIFE insurancecoverages, you also gain the benefit of accumulatingyour SAVINGS in a tax-sheltered plan. The PACETM

INVESTMENT options offer a variety of opportunitiesand unparalleled advantages:

• Access to national and foreign markets;

• Tax-sheltered accumulation of your capital and interest;

• Ability to expand your available “tax room” by increasingthe value of your life insurance coverages;

• Ability to withdraw from your accumulated funds*at anytime.

The comprehensive selection of PACETM

COVERAGES AND SUPPLEMENTARYBENEFITS add to your financial security:

• Protection against financial risks associatedwith accidents or illness;

• Guarantees that make it easy to increase your insurance protection.

Sound financial planning is at the heart of thePACETM Financial Planning Platform.

“ When I think about investing, I want solutions that provide mewith good returns and tax breaks.I want solutions that let meinvest when and where I want.”

“In business, I have thereputation of looking aftereverything right down to thesmallest detail. I’m the sameway when it comes toinsurance: I want the best sothat I’m ready for whatevercomes my way!

*The portion of the withdrawal that exceeds the contract’sadjusted cost basis is taxable.

»

PACETM

INVESTMENT OPTIONSThe PACETM INVESTMENT OPTIONS offer real added value to anyone who wants tosave within a tax-sheltered plan. Your financial security advisor can help you allocateyour fund based on your specific investor profile.

TYPE OFINVESTMENT OBJECTIVE DESCRIPTION

TM Trademark owned by Desjardins Financial Security Life Assurance Company(07-

02)

Daily Interest Account

Guaranteed Interest Account

Secure Index Account

Alternative StrategyIndex Account

Bond Index Account

Moderate Index Account

Balance Index Account

Québec Index Account

Growth Index Account

Canadian Index Account

American Index Account

European Index Account

Small CompanyIndex Account

Japanese Index Account

Technology Index Account

Daily Interest Account

Guaranteed Interest Accounts (1, 3, 5, 10 and 15 years)

This account is based on Franklin Templeton/Quotential DiversifiedIncome Portfolio. The investment strategy of the Fund is toemphasize investments in fixed income underlying funds in order toprovide income and capital presevation. The Fund also invests, to alesser extent, in equity underlying funds in order to increase thepotential for capital appreciation over a longer investments horizon.

This indexed fund offers returns based on the performance of theDGAM Alternative Strategy Fund managed by Desjardins GlobalAsset Management.

This account offers returns based on the performance of the ScotiaCapital Universe Bond Index.

This account is based on Franklin Templeton/Quotential BalancedIncome Portfolio. This investement strategy is to invest in fixedincome underlying funds in order to provide income and capitalpreservation. Also, it invests in equity underlying funds in order toincrease the potential for capital appreciation over a longerinvestment horizon.

This account is based on Franklin Templeton/Quotential BalancedGrowth Portfolio. This investement strategy is to emphasizeinvestments in equity underlying funds in order to increase thepotential for capital appreciation over a longer investment horizon.Also, it invests, to a lesser extent, in fixed income underlying fundsin order to provide stability.

This account is based on the performance of Desjardins Trust'sDesjardins Quebec Balanced Fund, the only Fund to invest strictlyin Quebec stocks and bonds. It provides the investor with anopportunity to share in the growth of Quebec companies.

This account is based on Franklin Templeton/Quotential GrowthPortfolio. This investment strategy is to emphasize investmetns in adiversified mix of equity underlying funds in order to increase thepotential for capital appreciation over a longer investment horizon.Also, it invests, to a lesser extent, in fixed income underlying fundsin order to provide income and capital preservation.

This account offers returns based on the performance of theS&P/TSX 60 Index, including dividend income. The S&P/TSX 60consists of the most capitalized companies listed on the TorontoStock Exchange.

This account offers returns based on the performance of the S&P500 Index, including dividend income. This Index is made up of 500companies that represent the American market.

This account offers returns based on the performance of the MSCIEurope Index, including dividend income. The MSCI Europe Index ismade up of European securities from 16 countries, mainly theUnited Kingdom, France, Germany and Switzerland.

This account is based on Northwest Specialty Equity Fund. Thefundamental investment objective of this Fund is to achieve capitalappreciation over the longer term by primarily investing in the equityof smaller, faster growing Canadian companies with marketcapitalization under $1billion.

This account offers returns based on the performance of the MSCIJapan Index, including dividend income. The MSCI Japan Indexseeks to measure the performance of the Japanese equity market.

This account offers returns based on the performance of the U.S.Nasdaq 100 Index.

Secure

Secure

Secure

Moderate

Moderate

Moderate

Balance

Balance

Growth

Growth

Growth

Growth

Speculative

Speculative

Speculative

Fixed income and security of capital

Capital growth andinterest income

Stability of capital andreturns

Reasonable fixed incomeand security of capital

Good long term returnsand moderate risk level

Reasonable income,long term capital growth

Higher long-termreturns, moderate tohigh level of risk

Higher long-termcapitalization,moderate to high levelof risk

Higher long-termcapitalization, high levelof risk

When and how to makeyour PACETM FinancialPlanning Platform work for you.

ANYTIME… TO MEET YOUR FINANCIAL NEEDS…

• You can access the funds accumulated in within yourPACETM Financial Planning Platform at anytime. Dependingon the amount accumulated, you can make a withdrawalto meet your immediate cash needs.

• The accumulation fund in your PACETM FinancialPlanning Platform can also be used as collateral fora tax-free loan from a financial institution.

TO PROTECT YOUR LIFESTYLE IN THE EVENTOF ILLNESS OR DISABILITY…

• When a serious illness, disability or loss of independencethreatens your financial security, the DAP* programlets you access your accumulated funds foremergency needs.

PROVIDE FOR YOUR LOVED ONESIN THE EVENT OF DEATH…

• In the event of death, the accumulated capital in yourPACETM Financial Planning Platform would be addedto your life insurance benefit and paid to yourbeneficiaries tax-free. Your beneficiaries can use thefunds as they wish, including to cover any estatecosts, meet other ongoing obligations, and maintaintheir current lifestyle.

*DAP = Disability Annuity Payout

PACETM

• Allows you manage all aspects of your financialsituation according to your short, medium andlong-term needs and aspirations;

• Offers a unique range of life insurance coveragesto protect your estate and healthcare needs. PACETM

protects your health and provides you with financialbenefits throughout your lifetime;

• Allows you to use your accumulated funds to pay thecost of your coverages and benefits;

• Allows you to invest in a tax-sheltered plan withindiversified investment portfolios;

• Offers you many benefits within one contract; asingle contract that can be adjusted at anytime, fortotal flexibility throughout your lifetime.

The PACETM Financial Planning Platform

can make your dreams come true!

»PACETM is available across Canada through a nationaldistribution network of financial planning professionals.To learn how PACETM can make your dreams cometrue, call on the professional services of an affiliatedfinancial advisor. Your financial advisor will present theadvantages of the PACETM Financial Planning Platformand assist you in selecting the options that suit you best.

PROTECTyour life, your health and your assets

AND MAXIMIZEyour returns…

SAVE,INVEST

0226

4E (

03-0

3)

www.desjardinsfinancialsecurity.com

TM Trademark owned by Desjardins Financial Security Life Assurance Company

Desjardins Financial SecurityOVER 100 YEARS OF EXPERIENCE

Desjardins Financial Security offers a full range of lifeand health insurance products, as well as savingsproducts, tailored to the protection and retirementneeds of both individuals and groups. DesjardinsFinancial Security meets the financial security needs ofover five million Canadians with the help of employeesand partners committed to ensuring their satisfaction.

As a client of Desjardins Financial Security, youbenefit from a comprehensive and integrated offer ofservice that will help you and your family achievepersonal objectives with the right combination ofprotection and capital growth. We offer you accessto an innovative array of products suited to yourunique needs, with attentive and professional servicefrom our financial advisors.

Enjoy life with confidence knowing that DesjardinsFinancial Security is at your side protecting you andyour family, and helping you achieve your most important dreams!