"5-in-1" Enhanced Rate Guaranteed Investment

Current issue in effect until June 30, 2012

Who should get this investment?

Investors who want to benefit from future rising interest rates. The "5-in-1" Enhanced Rate Guaranteed Investment is ideal if you want to keep your capital safe from risk. This investment is the perfect tool to save up for a major project (taking a sabbatical, buying real estate for the first time, etc.) or to invest in an RRSP.

Features

Security	Protected by deposit insurance. Capital and bonus3 garanteed for 5 years. Capital 100% guaranteed.
Returns	Guaranteed and variable, as based on term savings interest rates and adjusted annually. Increased by an annual fixed bonus3. Enhanced bonus3 for investments of $25,000 or more. Example of how the bonus interest is calculated (PDF, 68 KB) Higher return potential due to possible interest rate increases3. Return calculated weekly on balance including accrued interest. Interest paid at maturity2. See returns Example of how the return is calculated (PDF, 22 KB)
Eligible for these plans	Registered plans: TFSA, RRSP, FTA, LIRA, locked-in RRSP, RRIF, LIF and RDSP. Non-registered plans.
Income taxations	At maturity if non-registered investment4.
Other	No commission or administration fees. Eligible for potential member dividends. Find out more about member dividends.

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	At a Desjardins Business Centre	Make an appointment with an account manager at a Desjardins Business Centre.
	At the caisse	Make an appointment with a caisse advisor: online by phone

Deposit insurance

Desjardins caisses in Quebec are registered with the Autorité des marchés financiers, in conformity with the terms of the Deposit Insurance Act. In Ontario, deposits in registered savings plans are insured for their total amount by the Deposit Insurance Corporation of Ontario. Other deposits in Canadian dollars are insured up to $100,000. To find out more, visit the websites of the l'Autorité des marchés financiers and the Deposit Insurance Corporation of Ontario (DICO).

1. In case of redemption: no bonus will be paid. In case of conversion: 50% of the bonus will be paid for each year invested.
2. Returns may vary from year to year, as the interest rate for Term Savings may increase or decrease. The total return on investment cannot be known until maturity.
3. The entire bonus will only be paid at maturity if the investment is held for 5 years.
4. Except interest paid before the issue date and the annual guaranteed return, which is taxed annually.