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Capital régional et coopératif Desjardins

Available only in Quebec.

Who should get this investment?

Investors who:

• are prepared to accept a certain amount of risk in their investments;
• have contributed the maximum to their RRSP and are seeking an additional tax deduction;
• are pre-retired or already retired, can no longer contribute to an RRSP and have a high income;
• are looking for an additional tax deduction;
• contribute a significant amount to their pension fund, which limits their contribution to an RRSP.

Features

The features listed below are described in detail in the short form prospectus.

Minimum amount	For the first purchase of each year of issue: $500. For subsequent purchases for the same year of issue: multiples of $100.
Eligibility for plans	These shares are not eligible for RRSPs, RRIFs or any other deferred tax plan (LIRA, LIF).
Tax credit	Non-refundable Quebec tax credit2 of 50% (maximum $2,500 per year) with no carry-over from one year to the next.
Returns	Development capital, return not guaranteed. No interest or dividend payments.
Share value	Share value established semi-annually, on June 30 and December 31, and announced within 90 days following these dates. See current share value
Redemption terms	Not transferable to another person, by sale or otherwise. Possibility of capital gains at buy-back.
Fees	Charge of $50, tax included, required upon opening and upon closing the shareholder's account.
Mandatory holding period	At least 7 years. After having held shares for the mandatory holding period, a shareholder can submit a request to the Company for buyback. In some cases, Capital régional et coopératif Desjardins shares may be redeemed before the end of the mandatory holding period3.
Other	Transaction notices, semi-annual statements sent to shareholders.

	At the caisse	Make an appointment with a caisse advisor: online by phone

1. Though Desjardins Group promotes Capital régional et coopératif Desjardins, it does not hold any shares.

2. You will not be reimbursed for any portion of the tax credit that cannot be deducted for the calendar year during which you purchased shares and you cannot carry forward this amount to future tax years.

3. The redemption of shares before the end of the 7-year holding period will have tax consequences for the investor, unless the redemption takes place within the prescribed 30-day period following the purchase.