Market-Linked Guaranteed Investment Bulletin

September 8 to November 8, 2008 sales

Good news for the current sales period:

• Enhanced rate increased to 10% and 20% for Duo Desjardins Guaranteed Investment products and for Desjardins Profile Guaranteed Investment Portfolio – Secure and Stock Market Secure.

• The pre-issue rate goes from 2.10% to 2.25%.

Available again for a 2^nd issue: Duo Desjardins Guaranteed Investment 3.5-year term

The investment's allocation and advantages are identical to those of the 5-year term:

• 50% in Redeemable Term Savings with a guaranteed higher rate for the duration of the term.
• 50% in a Perspective Plus Guaranteed Investment with unlimited return potential.

Advantages

• Capital 100% guaranteed at maturity.
• High return guaranteed on term savings portion.
• Unlimited returns on market-linked guaranteed investments portion.
• Access to a wide range of diversified assets.
• Dynamic management by financial market experts.
• Entitles you to member dividends from your caisse.
• Enhanced return for investments of $25,000 or more.

Available again for a 4^th issue: Desjardins Enhanced Return Guaranteed Investment

A fixed-income investment tied to the performance of a combination of 8 stocks from the largest businesses in the Canadian sectors: 5 financial institutions and 3 insurance companies. Offered in 3-year or 5-year terms, it guarantees a minimum compound annual rate of return of 2.4%¹. This is a key investment for your portfolio.

1. Rates are subject to change without notice.