D F S G U A R A N T E E D I N V E S T M E N T F U N D S1

DFS Guaranteed Investment Funds

HELIOS2® CONTRACT

C H O O S E T H E I N V E S T M E N T O P T I O N T H AT ’ S R I G H T F O R YO U

DESJARDINS INSURANCE refers to Desjardins Financial Security Life Assurance Company. 200, rue des Commandeurs Lévis (Québec) G6V 6R2 / 1-866-647-5013 18029E (2020-11)

Looking for a sophisticated investment option that lets you choose what’s best for you?

D F S G U A R A N T E E D I N V E S T M E N T F U N D S2

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We have what you’re looking forThe Helios2 Contract gives you access to a range of investment options that will grow your savings and help you reach your financial goals.

Make your choiceInvestment options based on your investor profile

• Investment Solutions

• Responsible Investment Portfolios

• Wise ETF Portfolios

Personalized investment options

• Individual Funds

Graphics representing Investment Solutions :

DFS GIF – Conservative:Fixed income: 80.0%Equity: 20.0%DFS GIF – Moderate:Fixed income: 65.0%Equity: 35.0%DFS GIF – Balanced:Fixed income: 50.0%Equity: 50.0%DFS GIF – Growth:Fixed income: 35.0%Equity: 65.0%DFS GIF – Maximum Growth:Fixed income: 20.0%Equity: 80.0%

Investment Solutions*

* This investment option is available for all three Guarantees: Helios2 – 75/75, Helios2 – 75/100 i and Helios2 – 100/100 i.

We’ve designed five Investment Solutions to meet all your financial needs. Choose a solution that matches your investor profile and you’ll have access to a mix of Funds that:

• Are distributed across all asset classes

• Have been selected for their complementary management styles

• Are automatically rebalanced every semester

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FIXED INCOME 80.0% 65.0% 50.0% 35.0% 20.0%

EQUITY 20.0% 35.0% 50.0% 65.0% 80.0%

Fixed income Equity

DFS GIF – Conservative

DFS GIF – Moderate

DFS GIF – Balanced

DFS GIF – Growth

DFS GIF – Maximum

Growth

Graphics representing Responsible Investment Portfolios:DFS GIF – Conservative – Desjardins SocieTerra:Fixed income: 75.0%Equity: 25.0%DFS GIF – Moderate – Desjardins SocieTerra:Fixed income: 65.0%Equity: 35.0%DFS GIF – Balanced – Desjardins SocieTerra:Fixed income: 50.0%Equity: 50.0 %DFS GIF – Growth – Desjardins SocieTerra:Fixed income: 40.0%Equity: 60.0%

DFS GIF – Maximum Growth – Desjardins SocieTerra:Fixed income: 20.0%Equity: 80.0%

DFS GIF – 100% Equity – Desjardins SocieTerra:Fixed income: 0.0%Equity: 100.0%

Responsible Investment Portfolios*

* This investment option is available for all three Guarantees: Helios2 – 75/75, Helios2 – 75/100 i and Helios2 – 100/100 i.

Do you care about the environment? Does it matter to you how companies treat their employees? Is corporate responsibility important? If these questions factor into your investment decisions, choose Desjardins—a leader in responsible investing for more than 30 years. We have six distinctive portfolios to choose from.

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FIXED INCOME 75.0% 65.0% 50.0% 40.0% 20.0% 0.0%

EQUITY 25.0% 35.0% 50.0% 60.0% 80.0% 100.0%

Fixed income Equity

DFS GIF – Conservative –

Desjardins SocieTerra

DFS GIF – Moderate – Desjardins SocieTerra

DFS GIF – Balanced – Desjardins SocieTerra

DFS GIF – Growth –

Desjardins SocieTerra

DFS GIF – Maximum Growth –

Desjardins SocieTerra

DFS GIF – 100%

Equity – Desjardins SocieTerra

Graphics representing Wise ETF Portfolios:DFS GIF – Fixed Income – Desjardins Wise ETF:Fixed income: 100.0%Equity : 0.0%DFS GIF – Conservative – Desjardins Wise ETF:Fixed income : 80.0%Equity : 20.0%DFS GIF – Balanced – Desjardins Wise ETF:Fixed income : 60.0%Equity : 40.0%DFS GIF – Growth – Desjardins Wise ETF:Fixed income : 40.0%Equity : 60.0%DFS GIF – Maximum Growth – Desjardins Wise ETF:Fixed income : 20.0%Equity : 80.0%DFS GIF – 100% Equity – Desjardins Wise ETF:Fixed income : 0.0%Equity : 100.0%

Wise ETF Portfolios*

* This investment option is available for all three Guarantees: Helios2 – 75/75, Helios2 – 75/100 i and Helios2 – 100/100 i.

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With Wise ETF Portfolios, you have access to exchange-traded funds that are part of an innovative investment solution. It’s an easy way to get a distinctive product at an affordable price. Based on your investor profile and risk tolerance, choose the portfolio that’s right for you from the six available.

FIXED INCOME 100.0% 80.0% 60.0% 40.0% 20.0% 0.0%

EQUITY 0.0% 20.0% 40.0% 60.0% 80.0% 100.0%

Fixed income Equity

DFS GIF – Fixed Income –

Desjardins Wise ETF

DFS GIF – Conservative –

Desjardins Wise ETF

DFS GIF – Maximum Growth – Desjardins Wise ETF

DFS GIF – 100%

Equity – Desjardins Wise ETF

DFS GIF – Growth – Desjardins Wise ETF

DFS GIF – Balanced – Desjardins Wise ETF

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Individual FundsDo you want to control your asset allocation and portfolio composition? Choose from our individual Funds to personalize your selection.

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Fund name Helios2 – 75-75 Helios2 – 75-100 i Helios2 – 100-100 i

Individual Funds Individual Funds Individual Funds Individual Funds

Income Income Income Income

DFS GIF – Money Market Applicable Applicable Applicable

DFS GIF – Canadian Bond Applicable Applicable Applicable

DFS GIF – Global Tactical Bond – Desjardins Applicable Applicable Applicable

Balanced and Asset Allocation Balanced and Asset Allocation Balanced and Asset Allocation Balanced and Asset Allocation

DFS GIF – Diversified Income – Franklin Quotential* Applicable Applicable Not Applicable

DFS GIF – Balanced Income – Franklin Quotential* Applicable Applicable Not Applicable

DFS GIF – Canadian Balanced – Fidelity Applicable Applicable Not Applicable

DFS GIF – U.S. Monthly Income – Fidelity Applicable Applicable Applicable

DFS GIF – Global Balanced – Jarislowsky Fraser Applicable Applicable Applicable

DFS GIF – Canadian Balanced – Fiera Capital Applicable Applicable Applicable

DFS GIF – Balanced Growth – Franklin Quotential* Applicable Applicable Not Applicable

DFS GIF – Canadian Balanced – CI Signature Applicable Applicable Applicable

DFS GIF – Income and Growth – CI Signature Applicable Applicable Applicable

DFS GIF – Growth and Income – NEI Applicable Applicable Applicable

DFS GIF – Growth – NEI Select Applicable Applicable Applicable

DFS GIF – Asset Allocation – Cambridge Applicable Applicable Applicable

DFS GIF – Growth – Franklin Quotential* Applicable Applicable Not Applicable

* Funds closed to additional Deposits and switches

* Funds closed to additional Deposits and switches

* Funds closed to additional Deposits and switches

* Funds closed to additional Deposits and switches

N/A

N/A

N/A

N/A

N/A

Helios2 – 75/100 iHelios2 – 75/75 Helios2 – 100/100 i

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Individual Funds (continued)

Do you want to control your asset allocation and portfolio composition? Choose from our individual Funds to personalize your selection.

Fund name Helios2 – 75-75 Helios2 – 75-100 i Helios2 – 100-100 i

Individual Funds Individual Funds Individual Funds Individual Funds

Canadian Equity Canadian Equity Canadian Equity Canadian Equity

DFS GIF – Dividend Income – Desjardins Applicable Applicable Applicable

DFS GIF – Canadian Dividend – NEI Applicable Applicable Applicable

DFS GIF – Canadian Equity – Desjardins Applicable Applicable Applicable

DFS GIF – Canadian Equity – Jarislowsky Fraser Applicable Applicable Applicable

DFS GIF – Canadian Equity – Fidelity True North®Applicable Applicable Applicable

DFS GIF – Canadian Equity – Franklin Bissett* Applicable Applicable Applicable

DFS GIF – Canadian Small Cap Equity – NEI Applicable Applicable Not Applicable

DFS GIF – Small Cap – Franklin Bissett* Applicable Applicable Not Applicable

Foreign Equity Foreign Equity Foreign Equity Foreign Equity

DFS GIF – American Equity – MFS Applicable Applicable Applicable

DFS GIF – American Equity Value – Desjardins Applicable Applicable Applicable

DFS GIF – Global Dividend – Desjardins Applicable Applicable Applicable

DFS GIF – Global Equity – Desjardins Applicable Applicable Applicable

DFS GIF – Global Equity – MFS Applicable Applicable Applicable

DFS GIF – International Equity – MFS Applicable Applicable Applicable

DFS GIF – International Equity Growth – Desjardins Applicable Applicable Applicable

* Funds closed to additional Deposits and switches

* Funds closed to additional Deposits and switches* Funds closed to additional Deposits and switches

N/A

N/A

Helios2 – 75/100 iHelios2 – 75/75 Helios2 – 100/100 i

You can count on us!The DFS Investment Solution Monitoring Committee is made up of investment specialists, actuaries and members of senior management from Desjardins Insurance. The Committee continuously reviews our range of Funds to ensure you have the best investment options available to reach your retirement savings goals.

Selecting our Funds and fund managersDesjardins Insurance is committed to providing you with investment options that meet your needs. With that in mind, we identify the objectives and constraints that our fund managers will need to work with. We look at a combination of factors: Does the manager have an innovative philosophy that has been proven under different market conditions? Do they respect the portfolio’s investment strategy and long-term performance? That way, we can make sure we have a diverse range of Funds and a team of managers with complementary management styles.

Want to know more?Visit desjardinslifeinsurance.com/helios2 and go to Our investment options > Unit prices and performance to consult the fact sheets for our DFS GIFs.

Each fact sheet contains:

• Objective and strategy

• Asset allocation

• Main features

• Top holdings

• Annual compound returns

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The Contract and Information Folder and the Funds Facts document contain important information on the Desjardins Financial Security Guaranteed Investment Funds Plan – Helios2 and the DFS Guaranteed Investment Funds. The Contract and Information Folder also contains a glossary of defined terms. Please read these documents carefully before investing.

DFS Guaranteed Investment Funds are established by Desjardins Financial Security Life Assurance Company.

Helios2 and DFS Guaranteed Investment Funds are registered trademarks of Desjardins Financial Security Life Assurance Company. DESJARDINS INSURANCE and its logo are trademarks of the Fédération des caisses Desjardins du Québec used under licence.

® Fidelity True North is a registered trademark of FMR Corp.

DESJARDINS INSURANCE refers to Desjardins Financial Security Life Assurance Company. 200 rue des Commandeurs Lévis QC G6V 6R2 / 1-866-647-5013

desjardinslifeinsurance.com/helios2

To find out more about DFS’s Guaranteed Investment Funds, talk to your advisor today!

Desjardins: A name you can count on! Desjardins Group is the leading cooperative financial group in Canada and one of the country’s best capitalized financial institutions. Desjardins Group enjoys credit ratings comparable to those of several major Canadian and international banks and is recognized as one of the most stable financial institutions in the world.