Hello,

I am a financial advisor with SFL which is a subsidiary of Desjardins Financial Security. Desjardins has introduced a product called Helios that offers a guaranteed bonus of 7%(in years that you do not make withdrawals), income for life and guarantees your capital. No matter how the market performs, this product guarantees both a return and an income for life.

Here are some of the features:

1. Predictable income guaranteed not to decrease no matter how investments perform. This is an enormous benefit since when you are withdrawing money, a market downturn could really affect the performance of your funds.

2. You could access your savings at any time. Your money is not locked in.

3. Automatic resets every year. Every year if the market value is higher than your initial deposit value, then that will be your new guaranteed low.

4. If you do not need any income for the next few years, then you'll actually get a bonus of 7% each year at December 31. Even if you invest in this product half way through the year, you'll still get a 7% bonus in December.

5. Death Benefit Guarantee: Your beneficiary is guaranteed to get at least what you invested in this product + inflation protection minus your withdrawals.

6. You have access to many fund companies such as Fidelity, Franklin Templeton, McLean Budden and Jarislowsky Fraser.

Remember that even if the market continues to perform poorly, you will still get a 7% bonus per year on your original investment.

Feel free to contact me if you have any questions on the benefits of this plan.

All the best.

Brad Wise
Financial Security Advisor & Group Savings Plan Rep.
SFL- Partner of Desjardins Financial Security
215 Redfern Avenue Suite 210
Westmount, Qc H3Z 3L5
Phone: (514) 483-2070 x321
Fax: (514) 483-1420
mailto:bradley.wise@sfl.qc.ca
www.wisefinancialadvice.com

• it's NOT ok to contact this poster with services or other commercial interests