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Alternative Guaranteed Investment

The Desjardins Alternative Guaranteed Investment ensures holders that their capital is completely protected, regardless of market performance. The return potential linked to this product is based on an investment strategy which relies partially on hedge funds. Strong market upheavals in the last quarter of 2008 led to a strong drop in prices. Standard protocol had to be applied, which provides for the complete withdrawal of the amounts invested in hedge funds.

This divestiture means that, at maturity, the investments will generate no return for holders. Your principal remains entirely guaranteed at maturity, even if the index level fluctuates. Products with an initial term greater than 5 years will be redeemable upon request as of 5 years from the date of purchase, as outlined in your deposit agreement. Please contact your advisor or financial planner for more information.

Monthly update
Last update: November 5, 2009

Alternative Guaranteed Investment - October 31, 2009

Issue date (agreement)	Term	Initial index level	Index level	Cumulative appreciation (note 2)	Maximum appreciation at maturity (note 4)
September 12, 2008	5 years	100.00	80.19	0.0%	Unlimited
September 14, 2008	7 years	100.00	69.43	0.0%	Unlimited
June 13, 2008	5 years	100.00	83.41	0.0%	Unlimited
June 16, 2008	7 years	100.00	73.89	0.0%	Unlimited
March 14, 2008	5 years	100.00	83.58	0.0%	Unlimited
March 16, 2008	7 years	100.00	74.80	0.0%	Unlimited
January 18, 2008	5 years	100.00	83.77	0.0%	Unlimited
January 20, 2008	7 years	100.00	75.63	0.0%	Unlimited
November 16, 2007	5 years	100.00	84.42	0.0%	Unlimited
November 18, 2007	7 years	100.00	76.68	0.0%	Unlimited
September 14, 2007	5 years	100.00	83.93	0.0%	Unlimited
September 16, 2007	7 years	100.00	75.97	0.0%	Unlimited
June 15, 2007	5 years	100.00	88.91	0.0%	Unlimited
June 17, 2007	7 years	100.00	82.53	0.0%	Unlimited
March 16, 2007	5 years	100.00	90.84	0.0%	Unlimited
March 18, 2007	7 years	100.00	84.83	0.0%	Unlimited
January 19, 2007	5 years	100.00	90.58	0.0%	Unlimited
January 21, 2007	7 years	100.00	84.37	0.0%	Unlimited
November 10, 2006	5.5 years	100.00	88.64	0.0%	Unlimited
November 13, 2006	7 years	100.00	83.62	0.0%	Unlimited
September 8, 2006	5.5 years	100.00	89.08	0.0%	Unlimited
September 10, 2006	7 years	100.00	83.95	0.0%	Unlimited
June 16, 2006	5.5 years	100.00	90.09	0.0%	Unlimited
June 18, 2006	7 years	100.00	85.54	0.0%	Unlimited
March 23, 2006	5.5 years	100.00	90.82	0.0%	Unlimited
March 23, 2006	7 years	100.00	86.23	0.0%	Unlimited
January 20, 2006	5.5 years	100.00	90.99	0.0%	Unlimited
January 21, 2006	7 years	100.00	86.14	0.0%	Unlimited
November 18, 2005	5.5 years	100.00	92.51	0.0%	Unlimited
November 19, 2005	7 years	100.00	88.23	0.0%	Unlimited
September 9, 2005	5.5 years	100.00	92.67	0.0%	Unlimited
September 11, 2005	7 years	100.00	88.34	0.0%	Unlimited
June 17, 2005	5.5 years	100.00	92.54	0.0%	Unlimited
June 15, 2005	7 years	100.00	87.59	0.0%	Unlimited
March 26, 2005	5.5 years	100.00	93.91	0.0%	Unlimited
March 25, 2005	7 years	100.00	89.12	0.0%	Unlimited
January 14, 2005	5.5 years	100.00	91.25	0.0%	Unlimited
January 13, 2005	7 years	100.00	85.60	0.0%	Unlimited
November 12, 2004	5.5 years	100.00	90.64	0.0%	Unlimited
November 11, 2004	7 years	100.00	84.90	0.0%	Unlimited
September 3, 2004	5.5 years	100.00	90.90	0.0%	Unlimited
September 2, 2004	7 years	100.00	84.81	0.0%	Unlimited
June 11, 2004	5.5 years	100.00	92.35	0.0%	Unlimited
June 12, 2004	7 years	100.00	86.83	0.0%	Unlimited
March 18, 2004	7 years	100.00	87.92	0.0%	Unlimited
January 18, 2004	7 years	100.00	85.89	0.0%	Unlimited
November 16, 2003	7 years	100.00	85.92	0.0%	Unlimited
September 13, 2003	7 years	100.00	85.82	0.0%	Unlimited
June 14, 2003	7 years	100.00	86.61	0.0%	Unlimited
March 16, 2003	7 years	100.00	87.40	0.0%	Unlimited

See current issue

2. The indicated percentage represents the appreciation of the index in relation to its initial level. This appreciation takes into account the characteristics of each indexed term savings product: it was raised for issues with a participation rate over 100%, and also considers participation rates that are lower than the index growth, if applicable. The appreciation also takes into account, if applicable, the annual higher and lower limits stipulated in the deposit agreement. Your capital is guaranteed but the return may be nil. The return indicated (not expressed as an annual compound return) illustrates the trends of the various issues.

4. Maximum appreciation at maturity: certain issues have ceilings that determine the maximum amount you may receive at maturity.

5. This term savings has matured. The indicated return (not expressed as an annual compund return) is guaranteed and the interest has been paid to you.