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Capital régional et coopératif Desjardins

The pre-subscription period is over.

2017 Share issue

The pre-subscription period has ended and demand for the 2017 issue has exceeded the set limit of $135 million.

Read the press release for more information

Next steps

On October 2, 2017, investors were selected at random from the requests received.

  • If you were selected, your advisor will contact you to set up an appointment before November 24, 2017.
  • If you were not selected, note that not all investors who were selected in the first round complete their purchases. Accordingly, it’s possible we may contact you at a later date.

Available only in Quebec

  • Shares offered exclusively by Desjardins caisses
  • Maximum annual investment of $3,000
  • Tax credit and potential for long-term returns

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

Eligible investors

  • Individual members and non-members of a Desjardins caisse residing in Quebec as at December 31 of the taxation year for which the tax credit is being claimed are eligible.
  • Be aged 18 or over.

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 credit1 of 40% (maximum $1,200 per year) with no carry-over from one year to the next.

Returns

  • Development capital, return not guaranteed.
  • No interest or dividend payments.

Share price

Share price established semi-annually, on June 30 and December 31, and announced within 90 days following these dates.

See current share price

Redemption terms

  • Not transferable to another person, by sale or otherwise.
  • Possibility of capital gains at buyback.

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 period2.

Other

Transaction notices, semi-annual statements sent to shareholders.

Learn more about features in the short form prospectus.

Learn more about the Capital régional et coopératif Desjardins

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

1. 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.

2. 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.

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