Market-Linked Guaranteed Investment Bulletin

On sale from November 9, 2009 to January 9, 2010

All of our market-linked guaranteed investments are available for the January 2010 issue.

After the success of the Desjardins Enhanced Return Guaranteed Investment focused on the Canadian financial sector and foreign sector consumer staples, get the benefits of a Desjardins Enhanced Guaranteed Investment with returns tied to large companies in the international health care sector, including Pfizer, Merck & Co., GlaxoSmithKline and Johnson & Johnson.

A few of the benefits:

• Capital 100% guaranteed at maturity.
• Minimum annual guaranteed return¹: 0.71% for the 3.5-year term, 1.08% for the 5-year term, 1.29% for the 6-year term.
• Return potential is based on the performance of a basket of securities in the health care sector.

1. Minimum annual guaranteed return is valid for the November 9, 2009, to January 9, 2010, sale period.