Features

The Capital régional et coopératif Desjardins's main features listed below are described in detail in the short form prospectus.

• Shares sold only to individuals.
• Maximum annual amount: $5,000.
• Non-refundable Quebec tax credit¹ of 50% (maximum $2,500 per year) with no carry-over from one year to the next.
• Minimum amount of first purchase is $500 for each year of issue.
• Minimum amount for subsequent purchases for the same year of issue: multiples of $100.
• Not eligible for a deferred tax plan (RRSP, RRIF, LIRA or LIF).
• Mandatory seven-year holding period.
• Development capital, return not guaranteed.
• Share value established semi-annually, on June 30 and December 31, and announced within 90 days following these dates. See current share value.
• No interest or dividend payments.
• Possibility of capital gains at buy-back.
• Not transferable to another person, by sale or otherwise.
• Transaction notices, semi-annual statements sent to shareholders.
• Charge of $50, tax included, required upon opening and upon closing the shareholder's account.

	Online	Go to the Capital régional et coopératif Desjardins Web site.
	At the caisse	Contact an advisor at a caisse.

1. The redemption of shares before the end of the seven-year holding period will have tax consequences for the investor, unless the redemption takes place within the prescribed 30-day period following the purchase.