Common use of Cancellation Terms Clause in Contracts

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - that the information shown on the agreement is not in accordance with his/her request, or - that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred or redeemed, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the provisions stipulated in section 22. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index (the "reference index") in the following manner: Interest = Principal X Cumulative return X 100% Cumulative return = CL² - CL¹ CL¹ Maximum cumulative return = 27.000% equivalent to a maximum annual compound rate of return = 4.897% OTHER CONDITIONS ON FOLLOWING PAGES Principal = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ 100% = The average closing level of the S&P/TSX 60 Index on February 12, 2019, March 12, 2019 and April 11, 2019 (or the following business day if no reading takes place on the index on these dates). = The closing level of the S&P/TSX 60 Index on April 11, 2014 (or the following business day if no reading takes place on the index on this date). = The rate of participation in the index growth. INTEREST LIMIT

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - that the information shown on the agreement is not in accordance with his/her request, or - that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit deposit, minus the paid regular income, will be returned to the member, without fees, with pre-issue interest as stipulated in section 1113. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP RRIF or any other plan LIF issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT AND THE PAYMENT OF REGULAR INCOME 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 13 of this agreement. 5- The Caisse shall be responsible for debiting from the account, on a monthly basis, the amount of regular income indicated above until the date of maturity. Amounts will be debited from the fixed return portion of the portfolio. 6- The regular income amount cannot be modified during the term. 7- On the date of issue (the "Date of Issue"), the member expressly consents that the amount balance of the Initial Deposit and the pre-issue interest deposit as of this date shall be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- 8- The principal of this investment investment, minus the paid regular income, is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred or redeemed, and no amount in principal and interest shall be redeemable or payable redeemed before the Date of Maturity, except for where the provisions stipulated in section 2227 apply. No secondary market exists for this Guaranteed Investment nor will one be established. 7- 9- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- 10- This Guaranteed Investment is in Canadian dollars. The redemption of the principal principal, minus the paid regular income, and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- 11- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- 12- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- 13- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annumannum converted at an equivalent monthly interest rate. 12- OTHER CONDITIONS ON FOLLOWING PAGES 14- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index (the "reference index") Zenitude - Secure Guaranteed Portfolio with Income Option 8% in the following manner: Interest = Principal X Cumulative return X 100% Cumulative return = CL² - CL¹ CL¹ Maximum cumulative return = 27.000% equivalent to a maximum annual compound rate of return = 4.897% OTHER CONDITIONS ON FOLLOWING PAGES Principal = The amount of the Initial Deposit Deposit, less any regular income payment made before the Date of Issue, plus the cumulative pre-issue interest accrued between the date of the Initial Deposit and the Date of Issue. CL² CL¹ Cumulative = Total cumulative return of components C1 and C2 as per their respective ratios. Component C2 is subject to a minimum and return maximum return as described in sections 15 to 17. 100% = The average closing level of the S&P/TSX 60 Index on February 12, 2019, March 12, 2019 and April 11, 2019 (or the following business day if no reading takes place on the index on these dates). = The closing level of the S&P/TSX 60 Index on April 11, 2014 (or the following business day if no reading takes place on the index on this date). = The rate of participation in the index growth. INTEREST LIMITgrowth of the Zenitude - Secure Guaranteed Portfolio with Income Option 8%.

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailedmailed or after the date of receipt in AccèsD, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - (i) that the information shown on the agreement is not in accordance with his/her request, or - (ii) that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five three (53) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred or redeemed, and no redeemed before the Date of Maturity. No amount in principal and or interest shall be redeemable or payable before the Date of Maturity, except for the provisions stipulated in section 22. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.0000.800% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index price of the eight (8) securities described hereunder (the "reference indexsecurities") ), in the following manner: Interest = Principal X x Cumulative return X x 100% Cumulative return = CL² - CL¹ CL¹ [( CP² for S 1 + CP² for S 2 + . . . + CP² for S 8 ) x 1/8 ]-1 CP¹ CP¹ CP¹ Minimum guaranteed cumulative return = 1.000% equivalent to a minimum guaranteed annual compound rate of return = 0.333% Maximum cumulative return = 27.0004.500% equivalent to a maximum annual compound rate of return = 4.8971.479% OTHER CONDITIONS ON FOLLOWING PAGES Principal CP² CP¹ S1 to S8 100% = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ 100% = The average closing level price of the S&P/TSX 60 Index each security on February April 10, 2018, May 11, 2018 and June 12, 2019, March 12, 2019 and April 11, 2019 2018 (or the following business day if no reading takes place on the index this security on any of these dates). = The price of each security at closing level of the S&P/TSX 60 Index on April 11June 10, 2014 2015 (or the following business day if no reading takes place on the index this security on this date). = Each one of the eight (8) securities listed below. = The rate of participation in the index growthgrowth of the basket of securities. INTEREST LIMITHere are the eight (8) securities (common shares) as well as their respective stock markets and currencies. Each security has the same weighting in the portfolio. (The Caisse does not issue any opinion on the future evolution of the price of the securities.)

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - that the information shown on the agreement is not in accordance with his/her request, or - that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred negotiated or redeemedtransferred. It can be redeemed or converted under the provisions of section 17 of this agreement, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the where these provisions stipulated in section 22apply. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index reference index described hereunder. The reference index is an indicator of the yield of the Guaranteed Investment. The makeup of this index is based 100% on the interest rate in force at the Caisse for a conventional term savings deposit with a one (1) year term to which an annual, fixed bonus rate equal to 0.750% is added for the five (5) year term (the "reference indexReference Rate"). On each anniversary date during the Term, the rate applicable to conventional term savings deposits with a one (1) year term is revised, based on the interest rate then in the following manner: Interest = Principal X Cumulative return X 100% Cumulative return = CL² - CL¹ CL¹ Maximum cumulative return = 27.000% equivalent to a maximum annual compound rate of return = 4.897% force. OTHER CONDITIONS ON FOLLOWING PAGES Dates on which the Reference Rate is determined ("RR") Periods during which the Reference Rate applies Corresponds to the higher of: One (1) year rate as at September 29, 2014 or as at December 4, 2014 + annual bonus rate 2014 Reference Rate («RR 2014») applicable from December 4, 2014 to December 4, 2015 One (1) year rate as at December 4, 2015 + annual bonus rate 2015 Reference Rate («RR 2015») applicable from December 4, 2015 to December 4, 2016 One (1) year rate as at December 4, 2016 + annual bonus rate 2016 Reference Rate («RR 2016») applicable from December 4, 2016 to December 4, 2017 One (1) year rate as at December 4, 2017 + annual bonus rate 2017 Reference Rate («RR 2017») applicable from December 4, 2017 to December 4, 2018 One (1) year rate as at December 4, 2018 + annual bonus rate 2018 Reference Rate («RR 2018») applicable from December 4, 2018 to December 4, 2019 The interest is calculated as follows: Principal = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ EL SL 100% = The average closing end level of the S&P/TSX 60 Index reference index on February 12, 2019, March 12December 4, 2019 and April 11, 2019 is established as follows: SL x (or the following business day if no reading takes place on the index on these dates). 1+RR2014) x (1+RR2015) x (1+RR2016) x (1+RR2017) x (1+RR2018) = The closing start level of the S&P/TSX 60 Index reference index on April 11December 4, 2014 (or to which 100 is assigned as the following business day if no reading takes place on the index on this date)initial value. = The rate of participation in the index growth. INTEREST LIMITRISK AND SUITABILITY

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - (i) that the information shown on the agreement is not in accordance with his/her request, or - (ii) that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five three (53) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred or redeemed, and no redeemed before the Date of Maturity. No amount in principal and or interest shall be redeemable or payable before the Date of Maturity, except for the provisions stipulated in section 22. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index price of the ten (10) securities described hereunder (the "reference indexsecurities") ), in the following manner: Interest = Principal X x Cumulative return X x 100% Cumulative return = CL² - CL¹ CL¹ [( CP² for S 1 + CP² for S 2 + . . . + CP² for S10)x 1/10 ] -1 CP¹ CP¹ CP¹ Minimum guaranteed cumulative return = 1.500% equivalent to a minimum guaranteed annual compound rate of return = 0.498% Maximum cumulative return = 27.0007.000% equivalent to a maximum annual compound rate of return = 4.8972.281% OTHER CONDITIONS ON FOLLOWING PAGES Principal CP² CP¹ S1 to S10 100% = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ 100% = The average closing level price of the S&P/TSX 60 Index each security on February 129, 20192017, March 129, 2019 2017 and April 1110, 2019 2017 (or the following business day if no reading takes place on the index this security on any of these dates). = The price of each security at closing level of the S&P/TSX 60 Index on April 119, 2014 (or the following business day if no reading takes place on the index this security on this date). = Each one of the ten (10) securities listed below. = The rate of participation in the index growthgrowth of the basket of securities. INTEREST LIMITHere are the ten (10) securities (common shares) as well as their respective stock markets and currencies. Each security has the same weighting in the portfolio. (The Caisse does not issue any opinion on the future evolution of the price of the securities.)

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - that the information shown on the agreement is not in accordance with his/her request, or - that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred or redeemed, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the provisions stipulated in section 22. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, will be made in Canadian dollars. 9- This Guaranteed Investment is a covered by deposit within the meaning of the Deposit Insurance Actinsurance, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xxxxx.xxxxxxxxx-xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 S&P 500 Index (the "reference index") in the following manner: Interest = Principal X Cumulative return X 100% Cumulative return = CL² - CL¹ CL¹ Maximum cumulative return = 27.00020.000% equivalent to a maximum annual compound rate of return = 4.897% OTHER CONDITIONS ON FOLLOWING PAGES Principal = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ 100% = The average closing level of the S&P/TSX 60 Index on February 12, 2019, March 12, 2019 and April 11, 2019 (or the following business day if no reading takes place on the index on these dates). = The closing level of the S&P/TSX 60 Index on April 11, 2014 (or the following business day if no reading takes place on the index on this date). = The rate of participation in the index growth. INTEREST LIMIT3.714%

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - (i) that the information shown on the agreement is not in accordance with his/her request, or - (ii) that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five three (53) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred or redeemed, and no redeemed before the Date of Maturity. No amount in principal and or interest shall be redeemable or payable before the Date of Maturity, except for the provisions stipulated in section 22. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index price of the eight (8) securities described hereunder (the "reference indexsecurities") ), in the following manner: Interest = Principal X x Cumulative return X x 100% Cumulative return = CL² - CL¹ CL¹ [( CP² for S 1 + CP² for S 2 + . . . + CP² for S 8 ) x 1/8 ]-1 CP¹ CP¹ CP¹ Minimum guaranteed cumulative return = 1.500% equivalent to a minimum guaranteed annual compound rate of return = 0.498% Maximum cumulative return = 27.0007.000% equivalent to a maximum annual compound rate of return = 4.8972.281% OTHER CONDITIONS ON FOLLOWING PAGES Principal CP² CP¹ S1 to S8 100% = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ 100% = The average closing level price of the S&P/TSX 60 Index each security on February 129, 20192017, March 129, 2019 2017 and April 1110, 2019 2017 (or the following business day if no reading takes place on the index this security on any of these dates). = The price of each security at closing level of the S&P/TSX 60 Index on April 119, 2014 (or the following business day if no reading takes place on the index this security on this date). = Each one of the eight (8) securities listed below. = The rate of participation in the index growthgrowth of the basket of securities. INTEREST LIMITHere are the eight (8) securities (common shares) as well as their respective stock markets and currencies. Each security has the same weighting in the portfolio. (The Caisse does not issue any opinion on the future evolution of the price of the securities.)

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailedmailed or after the date of receipt in AccèsD, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - (i) that the information shown on the agreement is not in accordance with his/her request, or - (ii) that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred negotiated or redeemed, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the provisions stipulated in section 22. No secondary market exists for this Guaranteed Investment nor will one be established. The Guaranteed Investment may not be transferred, except for the estate or the legatees in the event of the death of the member and as long as the transfer is made in an account at the Caisse. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.0000.500% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index price of the fifteen (15) securities described hereunder (the "reference indexsecurities") ), in the following manner: Interest = Principal X x Cumulative return X x 100% Cumulative return = CL² - CL¹ CL¹ [(_CP_²_ for S 1 + _CP_²_ for S 2 + . . . + _CP_²_ for S 15)x 1/15 ] -1 CP¹ CP¹ CP¹ Maximum cumulative return = 27.00019.000% equivalent to a maximum annual compound rate of return = 4.8973.541% If the cumulative return is negative, the value zero will be used in the calculation. OTHER CONDITIONS ON FOLLOWING PAGES Principal CP² CP¹ S1 to S15 100% = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ 100% = The average closing level price of the S&P/TSX 60 Index each security on February 128, 20192021, March 129, 2019 2021 and April 116, 2019 2021 (or the following business day if no reading takes place on the index this security on any of these dates). = The price of each security at closing level of the S&P/TSX 60 Index on April 116, 2014 2016 (or the following business day if no reading takes place on the index this security on this date). = Each one of the fifteen (15) securities listed below. = The rate of participation in the index growthgrowth of the basket of securities. INTEREST LIMITHere are the fifteen (15) securities (common shares) as well as their respective stock markets and currencies. Each security has the same weighting in the portfolio. (The Caisse does not issue any opinion on the future evolution of the price of the securities.)

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - that the information shown on the agreement is not in accordance with his/her request, or - that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five three (53) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred negotiated or redeemedtransferred. It can be redeemed or converted under the provisions of section 17 of this agreement, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the where these provisions stipulated in section 22apply. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index reference index described hereunder. The reference index is an indicator of the yield of the Guaranteed Investment. The makeup of this index is based 100% on the interest rate in force at the Caisse for a conventional term savings deposit with a one (1) year term to which an annual, fixed bonus rate equal to 0.30% is added for the three (3) year term (the "reference indexReference Rate"). On each anniversary date during the Term, the rate applicable to conventional term savings deposits with a one (1) year term is revised, based on the interest rate then in the following manner: Interest = Principal X Cumulative return X 100% Cumulative return = CL² - CL¹ CL¹ Maximum cumulative return = 27.000% equivalent to a maximum annual compound rate of return = 4.897% force. OTHER CONDITIONS ON FOLLOWING PAGES Dates on which the Reference Rate is determined ("RR") Periods during which the Reference Rate applies Corresponds to the higher of: One (1) year rate as at March 31, 2014 or as at June 13, 2014 + annual bonus rate 2014 Reference Rate («RR2014 ») applicable from June 13, 2014 to June 13, 2015 One (1) year rate as at June 13, 2015 + annual bonus rate 2015 Reference Rate («RR2015 ») applicable from June 13, 2015 to June 13, 2016 One (1) year rate as at June 13, 2016 + annual bonus rate 2016 Reference Rate («RR2016 ») applicable from June 13, 2016 to June 13, 2017 The interest is calculated as follows: Principal = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ EL SL 100% = The average closing end level of the S&P/TSX 60 Index on February 12, 2019, March 12, 2019 and April 11, 2019 (or the following business day if no reading takes place on the reference index on these dates). June 13, 2017 is established as follows: SL x (1+RR 2014) x (1+RR 2015) x (1+RR 2016) = The closing start level of the S&P/TSX 60 Index reference index on April 11June 13, 2014 (or to which 100 is assigned as the following business day if no reading takes place on the index on this date)initial value. = The rate of participation in the index growth. INTEREST LIMITRISK AND SUITABILITY

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - that the information shown on the agreement is not in accordance with his/her request, or - that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred negotiated or redeemedtransferred. It can be redeemed or converted under the provisions of section 17 of this agreement, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the where these provisions stipulated in section 22apply. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index reference index described hereunder. The reference index is an indicator of the yield of the Guaranteed Investment. The makeup of this index is based 100% on the interest rate in force at the Caisse for a conventional term savings deposit with a one (1) year term to which an annual, fixed bonus rate equal to 0.40% is added for the five (5) year term (the "reference indexReference Rate"). On each anniversary date during the Term, the rate applicable to conventional term savings deposits with a one (1) year term is revised, based on the interest rate then in the following manner: Interest = Principal X Cumulative return X 100% Cumulative return = CL² - CL¹ CL¹ Maximum cumulative return = 27.000% equivalent to a maximum annual compound rate of return = 4.897% force. OTHER CONDITIONS ON FOLLOWING PAGES Dates on which the Reference Rate is determined ("RR") Periods during which the Reference Rate applies Corresponds to the higher of: One (1) year rate as at February 3, 2014 or as at April 11, 2014 + annual bonus rate 2014 Reference Rate («RR 2014») applicable from April 11, 2014 to April 11, 2015 One (1) year rate as at April 11, 2015 + annual bonus rate 2015 Reference Rate («RR 2015») applicable from April 11, 2015 to April 11, 2016 One (1) year rate as at April 11, 2016 + annual bonus rate 2016 Reference Rate («RR 2016») applicable from April 11, 2016 to April 11, 2017 One (1) year rate as at April 11, 2017 + annual bonus rate 2017 Reference Rate («RR 2017») applicable from April 11, 2017 to April 11, 2018 One (1) year rate as at April 11, 2018 + annual bonus rate 2018 Reference Rate («RR 2018») applicable from April 11, 2018 to April 11, 2019 The interest is calculated as follows: Principal = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ EL SL 100% = The average closing end level of the S&P/TSX 60 Index reference index on February 12, 2019, March 12, 2019 and April 11, 2019 is established as follows: SL x (or the following business day if no reading takes place on the index on these dates). 1+RR2014) x (1+RR2015) x (1+RR2016) x (1+RR2017) x (1+RR2018) = The closing start level of the S&P/TSX 60 Index reference index on April 11, 2014 (or to which 100 is assigned as the following business day if no reading takes place on the index on this date)initial value. = The rate of participation in the index growth. INTEREST LIMITRISK AND SUITABILITY

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - that the information shown on the agreement is not in accordance with his/her request, or - that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Xxxxxxxxxx Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five three (53) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred negotiated or redeemedtransferred. It can be redeemed or converted under the provisions of section 17 of this agreement, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the where these provisions stipulated in section 22apply. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index reference index described hereunder. The reference index is an indicator of the yield of the Guaranteed Investment. The makeup of this index is based 100% on the interest rate in force at the Caisse for a conventional term savings deposit with a one (1) year term to which an annual, fixed bonus rate equal to 0.150% is added for the three (3) year term (the "reference indexReference Rate"). On each anniversary date during the Term, the rate applicable to conventional term savings deposits with a one (1) year term is revised, based on the interest rate then in the following manner: Interest = Principal X Cumulative return X 100% Cumulative return = CL² - CL¹ CL¹ Maximum cumulative return = 27.000% equivalent to a maximum annual compound rate of return = 4.897% force. OTHER CONDITIONS ON FOLLOWING PAGES Dates on which the Reference Rate is determined ("RR") Periods during which the Reference Rate applies Corresponds to the higher of: One (1) year rate as at November 24, 2014 or as at February 13, 2015 + annual bonus rate 2015 Reference Rate («RR 2015») applicable from February 13, 2015 to February 13, 2016 One (1) year rate as at February 13, 2016 + annual bonus rate 2016 Reference Rate («RR 2016») applicable from February 13, 2016 to February 13, 2017 One (1) year rate as at February 13, 2017 + annual bonus rate 2017 Reference Rate («RR 2017») applicable from February 13, 2017 to February 13, 2018 The interest is calculated as follows: Principal = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ EL SL 100% = The average closing end level of the S&P/TSX 60 Index reference index on February 1213, 2019, March 12, 2019 and April 11, 2019 2018 is established as follows: SL x (or the following business day if no reading takes place on the index on these dates). 1+RR 2015) x (1+RR 2016) x (1+RR 2017) = The closing start level of the S&P/TSX 60 Index on April 11, 2014 (or the following business day if no reading takes place on the reference index on this date)February 13, 2015 to which 100 is assigned as the initial value. = The rate of participation in the index growth. INTEREST LIMITRISK AND SUITABILITY

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailedmailed or after the date of receipt in AccèsD, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - that the information shown on the agreement is not in accordance with his/her request, or - that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit deposit, minus the paid regular income, will be returned to the member, without fees, with pre-issue interest as stipulated in section 1113. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP RRIF or any other plan LIF issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT AND THE PAYMENT OF REGULAR INCOME 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 13 of this agreement. 5- The Caisse shall be responsible for debiting from the account, on a monthly basis, the amount of regular income indicated above until the date of maturity. Amounts will be debited from the fixed return portion of the portfolio. 6- The regular income amount cannot be modified during the term. 7- On the date of issue (the "Date of Issue"), the member expressly consents that the amount balance of the Initial Deposit and the pre-issue interest deposit as of this date shall be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- 8- The principal of this investment investment, minus the paid regular income, is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred or redeemed, and no amount in principal and interest shall be redeemable or payable redeemed before the Date of Maturity, except for where the provisions stipulated in section 2227 apply. No secondary market exists for this Guaranteed Investment nor will one be established. 7- 9- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- 10- This Guaranteed Investment is in Canadian dollars. The redemption of the principal principal, minus the paid regular income, and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- 11- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- 12- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- 13- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.0000.800% per annumannum converted at an equivalent monthly interest rate. 12- OTHER CONDITIONS ON FOLLOWING PAGES 14- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index (the "reference index") Zenitude - Secure Guaranteed Portfolio with Income Option 6% in the following manner: Interest = Principal X Cumulative return X 100% Cumulative return = CL² - CL¹ CL¹ Maximum cumulative return = 27.000% equivalent to a maximum annual compound rate of return = 4.897% OTHER CONDITIONS ON FOLLOWING PAGES Principal = The amount of the Initial Deposit Deposit, less any regular income payment made before the Date of Issue, plus the cumulative pre-issue interest accrued between the date of the Initial Deposit and the Date of Issue. CL² CL¹ Cumulative = Total cumulative return of components C1 and C2 as per their respective ratios. Component C2 is subject to a minimum and return maximum return as described in sections 15 to 17. 100% = The average closing level of the S&P/TSX 60 Index on February 12, 2019, March 12, 2019 and April 11, 2019 (or the following business day if no reading takes place on the index on these dates). = The closing level of the S&P/TSX 60 Index on April 11, 2014 (or the following business day if no reading takes place on the index on this date). = The rate of participation in the index growth. INTEREST LIMITgrowth of the Zenitude - Secure Guaranteed Portfolio with Income Option 6%.

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailedmailed or after the date of receipt in AccèsD, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - (i) that the information shown on the agreement is not in accordance with his/her request, or - (ii) that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred negotiated or redeemed, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the provisions stipulated in section 22. No secondary market exists for this Guaranteed Investment nor will one be established. The Guaranteed Investment may not be transferred, except for the estate or the legatees in the event of the death of the member and as long as the transfer is made in an account at the Caisse. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.0000.500% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index price of the fifteen (15) securities described hereunder (the "reference indexsecurities") ), in the following manner: Interest = Principal X x Cumulative return X x 100% Cumulative return = CL² - CL¹ CL¹ [(_CP_²_ for S 1 + _CP_²_ for S 2 + . . . + _CP_²_ for S 15)x 1/15 ] -1 CP¹ CP¹ CP¹ Maximum cumulative return = 27.00016.500% equivalent to a maximum annual compound rate of return = 4.8973.102% If the cumulative return is negative, the value zero will be used in the calculation. OTHER CONDITIONS ON FOLLOWING PAGES Principal CP² CP¹ S1 to S15 100% = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ 100% = The average closing level price of the S&P/TSX 60 Index each security on February 12October 2, 20192020, March 12November 2, 2019 2020 and April 11December 2, 2019 2020 (or the following business day if no reading takes place on the index this security on any of these dates). = The price of each security at closing level of the S&P/TSX 60 Index on April 11December 2, 2014 2015 (or the following business day if no reading takes place on the index this security on this date). = Each one of the fifteen (15) securities listed below. = The rate of participation in the index growthgrowth of the basket of securities. INTEREST LIMITHere are the fifteen (15) securities (common shares) as well as their respective stock markets and currencies. Each security has the same weighting in the portfolio. (The Caisse does not issue any opinion on the future evolution of the price of the securities.)

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - that the information shown on the agreement is not in accordance with his/her request, or - that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Xxxxxxxxxx Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred negotiated or redeemedtransferred. It can be redeemed or converted under the provisions of section 17 of this agreement, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the where these provisions stipulated in section 22apply. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index reference index described hereunder. The reference index is an indicator of the yield of the Guaranteed Investment. The makeup of this index is based 100% on the interest rate in force at the Caisse for a conventional term savings deposit with a one (1) year term to which an annual, fixed bonus rate equal to 0.800% is added for the five (5) year term (the "reference indexReference Rate"). On each anniversary date during the Term, the rate applicable to conventional term savings deposits with a one (1) year term is revised, based on the interest rate then in the following manner: Interest = Principal X Cumulative return X 100% Cumulative return = CL² - CL¹ CL¹ Maximum cumulative return = 27.000% equivalent to a maximum annual compound rate of return = 4.897% force. OTHER CONDITIONS ON FOLLOWING PAGES Dates on which the Reference Rate is determined ("RR") Periods during which the Reference Rate applies Corresponds to the higher of: One (1) year rate as at November 24, 2014 or as at February 13, 2015 + annual bonus rate 2015 Reference Rate («RR 2015») applicable from February 13, 2015 to February 13, 2016 One (1) year rate as at February 13, 2016 + annual bonus rate 2016 Reference Rate («RR 2016») applicable from February 13, 2016 to February 13, 2017 One (1) year rate as at February 13, 2017 + annual bonus rate 2017 Reference Rate («RR 2017») applicable from February 13, 2017 to February 13, 2018 One (1) year rate as at February 13, 2018 + annual bonus rate 2018 Reference Rate («RR 2018») applicable from February 13, 2018 to February 13, 2019 One (1) year rate as at February 13, 2019 + annual bonus rate 2019 Reference Rate («RR 2019») applicable from February 13, 2019 to February 13, 2020 The interest is calculated as follows: Principal = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ EL SL 100% = The average closing end level of the S&P/TSX 60 Index reference index on February 1213, 2019, March 12, 2019 and April 11, 2019 2020 is established as follows: SL x (or the following business day if no reading takes place on the index on these dates). 1+RR2015) x (1+RR2016) x (1+RR2017) x (1+RR2018) x (1+RR2019) = The closing start level of the S&P/TSX 60 Index on April 11, 2014 (or the following business day if no reading takes place on the reference index on this date)February 13, 2015 to which 100 is assigned as the initial value. = The rate of participation in the index growth. INTEREST LIMITRISK AND SUITABILITY

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - (i) that the information shown on the agreement is not in accordance with his/her request, or - (ii) that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Xxxxxxxxxx Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred or redeemed, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the provisions stipulated in section 22. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, will be made in Canadian dollars. 9- This Guaranteed Investment is a covered by deposit within the meaning of the Deposit Insurance Actinsurance, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xxxxx.xxxxxxxxx-xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index price of the twenty (20) securities described hereunder (the "reference indexsecurities") ), in the following manner: Interest = Principal X x Cumulative return X 100% Cumulative return = CL² [(CP² - CL¹ CL¹ CP¹) X PR for S1 + (CP² - CP¹) X PR for S2 + . . . + (CP² - CP¹) X PR for S 20]x 1/20 CP¹ CP¹ CP¹ For each S1 to S20 security, the result of CP² - CP¹ is subject to a maximum of 55.000%. CP¹ Maximum cumulative return = 27.00055.000% equivalent to a maximum annual compound rate of return = 4.8979.161% If the cumulative return is negative, a value of zero will be retained in the calculation. OTHER CONDITIONS ON FOLLOWING PAGES Principal CP² CP¹ S1 to S20 PR = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ 100% = The average closing level price of the S&P/TSX 60 Index each security on February 12October 8, 2019, March 12November 6, 2019 and April 11December 5, 2019 (or the following business day if no reading takes place on the index this security on any of these dates). = The price of each security at closing level of the S&P/TSX 60 Index on April 11December 5, 2014 (or the following business day if no reading takes place on the index this security on this date). = The Each one of the twenty (20) securities listed below. = Variable participation rate, whereby: PR = 100% if security S i yields a positive performance result. PR = 50% if security S i yields a negative performance result. Si performance = CP² - CP¹ for each of the twenty (20) securities. result CP¹ If the performance result of security Si is higher than 55.000%, the performance used is 55.000%. Among the twenty (20) securities in the basket, securities with a positive performance at maturity will be assigned a participation rate of 100%. The participation rate used for securities with a negative performance at maturity is 50%. The performance of each security is subject to a maximum rate of 55.000%. The maximum cumulative return of 55.000% on the investment will only be achieved if each of the 20 securities performs equally, or higher, at this level. Here are the twenty (20) securities (common shares) as well as their respective stock markets and currencies. Each security has the same weighting in the index growthportfolio. (The Caisse does not issue any opinion on the future evolution of the price of the securities.) List of stock market securities. The weight applying to each security is 5%. Security Stock Market Currency Security Stock Market Currency S1 : Agrium Inc. (AGU CT) S2 : Automatic Data Processing, Inc. (ADP UW) S3 : Canadian Imperial Bank of Commerce (CM CT) S4 : National Bank of Canada (NA CT) S5 : BCE Inc. (BCE CT) S6 : Canadian National Railway Co. (CNR CT) S7 : Commonwealth Bank of Australia (CBA AT) S8 : Duke Energy Corporation (DUK UN) S9 : GlaxoSmithKline Plc (GSK LN) S10 : Xxxxxxxx-Xxxxx Corp. (KMB UN) Toronto Nasdaq GS Toronto Toronto Toronto Toronto Australia SE New York SE London SE New York SE Canadian dollars U.S. dollars Canadian dollars Canadian dollars Canadian dollars Canadian dollars Australian dollars U.S. dollars Pound Sterling U.S. dollars S 11 : Kraft Foods Group, Inc. (KRFT UW) S 12 : Mitsubishi Corporation (8058 JT) S 13 : Pfizer, Inc. (PFE UN) S 14 : Power Corporation of Canada (POW CT) S 15 : Xxxx Elsevier NV (REN NA) S 16 : Roche Holding AG (ROG VX) S 17 : Royal Dutch Shell Plc (RDSA NA) S 18 : Telefonica S.A. (TEF SQ) S 19 : Texas Instruments Incorporated (TXN UW) S 20 : Total S.A. (FP FP) Nasdaq GS Tokyo SE New York SE Toronto EN Amsterdam SIX Swiss EN Amsterdam Continuous (Spain) Nasdaq GS Paris U.S. dollars Japanese Yen U.S. dollars Canadian dollars Euros Swiss Francs Euros Euros U.S. dollars Euros INTEREST LIMITLIMIT 13- The interest paid at maturity, if applicable, is subject a maximum as described in section 12. If the yield of the securities is higher than the maximum cumulative return at maturity, then the interest paid will match this maximum.

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - that the information shown on the agreement is not in accordance with his/her request, or - that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred negotiated or redeemedtransferred. It can be redeemed or converted under the provisions of section 17 of this agreement, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the where these provisions stipulated in section 22apply. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index reference index described hereunder. The reference index is an indicator of the yield of the Guaranteed Investment. The makeup of this index is based 100% on the interest rate in force at the Caisse for a conventional term savings deposit with a one (1) year term to which an annual, fixed bonus rate equal to 0.550% is added for the five (5) year term (the "reference indexReference Rate"). On each anniversary date during the Term, the rate applicable to conventional term savings deposits with a one (1) year term is revised, based on the interest rate then in the following manner: Interest = Principal X Cumulative return X 100% Cumulative return = CL² - CL¹ CL¹ Maximum cumulative return = 27.000% equivalent to a maximum annual compound rate of return = 4.897% force. OTHER CONDITIONS ON FOLLOWING PAGES Dates on which the Reference Rate is determined ("RR") Periods during which the Reference Rate applies Corresponds to the higher of: One (1) year rate as at September 29, 2014 or as at December 4, 2014 + annual bonus rate 2014 Reference Rate («RR 2014») applicable from December 4, 2014 to December 4, 2015 One (1) year rate as at December 4, 2015 + annual bonus rate 2015 Reference Rate («RR 2015») applicable from December 4, 2015 to December 4, 2016 One (1) year rate as at December 4, 2016 + annual bonus rate 2016 Reference Rate («RR 2016») applicable from December 4, 2016 to December 4, 2017 One (1) year rate as at December 4, 2017 + annual bonus rate 2017 Reference Rate («RR 2017») applicable from December 4, 2017 to December 4, 2018 One (1) year rate as at December 4, 2018 + annual bonus rate 2018 Reference Rate («RR 2018») applicable from December 4, 2018 to December 4, 2019 The interest is calculated as follows: Principal = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ EL SL 100% = The average closing end level of the S&P/TSX 60 Index reference index on February 12, 2019, March 12December 4, 2019 and April 11, 2019 is established as follows: SL x (or the following business day if no reading takes place on the index on these dates). 1+RR2014) x (1+RR2015) x (1+RR2016) x (1+RR2017) x (1+RR2018) = The closing start level of the S&P/TSX 60 Index reference index on April 11December 4, 2014 (or to which 100 is assigned as the following business day if no reading takes place on the index on this date)initial value. = The rate of participation in the index growth. INTEREST LIMITRISK AND SUITABILITY

Cancellation Terms. The contract is concluded between the member and the Caisse two (2) business days following the member's receipt of this agreement (the "Effective Date"). The member is deemed to have received this agreement five (5) business days after it has been mailed, as applicable. Unless the member notifies the Caisse in writing within three (3) business days of the contract's Effective Date (the "Cancellation Deadline"): - that the information shown on the agreement is not in accordance with his/her request, or - that he/she does not accept all of the terms and conditions applicable to this agreement the member shall be deemed to have provided the instructions indicated in this agreement and to have accepted all conditions described herein. If the member cancels the agreement before the Cancellation Deadline, the initial deposit invested by the member will be returned to him/her in full and without fees or interest. 2- Before the date of issue, the Caisse has the right not to proceed, in whole or in part, with the issuance of the Market-linked Guaranteed Investment (the "Guaranteed Investment"). Any refused initial deposit will be returned to the member, without fees, with pre-issue interest as stipulated in section 11. 3- Where applicable, this agreement is subject to the provisions of the Application Form for an RRSP or any other plan issued and administered by Desjardins Xxxxxxxxxx Trust Inc. that the member has already signed with the Caisse. TERMS AND CONDITIONS GOVERNING THE GUARANTEED INVESTMENT 4- The member agrees to make, on the date of initial deposit, a first deposit (the "Initial Deposit") on which pre-issue interest is calculated according to section 11 of this agreement. 5- On the date of issue (the "Date of Issue"), the member expressly consents that the amount of the Initial Deposit and the pre-issue interest be reinvested in the form of a Market-linked Guaranteed Investment maturing on the maturity date (the "Date of Maturity"). The term of the Guaranteed Investment is five (5) years (the "Term"). 6- The principal of this investment is guaranteed by the Caisse at maturity. The Guaranteed Investment may not be negotiated, transferred negotiated or redeemedtransferred. It can be redeemed or converted under the provisions of section 17 of this agreement, and no amount in principal and interest shall be redeemable or payable before the Date of Maturity, except for the where these provisions stipulated in section 22apply. No secondary market exists for this Guaranteed Investment nor will one be established. 7- This Guaranteed Investment may be hypothecated or given as security only in favour of the issuing Caisse to the extent permitted under current legislation. 8- This Guaranteed Investment is in Canadian dollars. The redemption of the principal and the payment of interest, if applicable, interest will be made in Canadian dollars. 9- This Guaranteed Investment is a deposit within the meaning of the Deposit Insurance Act, up to the maximum eligible amount. More information is available online (xxx.xxxxxxxxx.xx.xx). FEES 10- This Guaranteed Investment is not subject to any management fees. Therefore, at maturity, the interest corresponding to the yield will not be affected by any management fees. TERMS AND CONDITIONS GOVERNING THE METHOD OF CALCULATION OF INTEREST 11- For the period between the date of Initial Deposit and the Date of Issue, the interest on the Initial Deposit shall be calculated on the daily balance at the pre-issue interest rate of 1.000% per annum. 12- For the period between the Date of Issue and the Date of Maturity, the interest generated by the Guaranteed Investment shall be determined at maturity according to the variation in the S&P/TSX 60 Index reference index described hereunder. The reference index is an indicator of the yield of the Guaranteed Investment. The makeup of this index is based 100% on the interest rate in force at the Caisse for a conventional term savings deposit with a one (1) year term to which an annual, fixed bonus rate equal to 0.60% is added for the five (5) year term (the "reference indexReference Rate"). On each anniversary date during the Term, the rate applicable to conventional term savings deposits with a one (1) year term is revised, based on the interest rate then in the following manner: Interest = Principal X Cumulative return X 100% Cumulative return = CL² - CL¹ CL¹ Maximum cumulative return = 27.000% equivalent to a maximum annual compound rate of return = 4.897% force. OTHER CONDITIONS ON FOLLOWING PAGES Dates on which the Reference Rate is determined ("RR") Periods during which the Reference Rate applies Corresponds to the higher of: One (1) year rate as at February 3, 2014 or as at April 11, 2014 + annual bonus rate 2014 Reference Rate («RR 2014») applicable from April 11, 2014 to April 11, 2015 One (1) year rate as at April 11, 2015 + annual bonus rate 2015 Reference Rate («RR 2015») applicable from April 11, 2015 to April 11, 2016 One (1) year rate as at April 11, 2016 + annual bonus rate 2016 Reference Rate («RR 2016») applicable from April 11, 2016 to April 11, 2017 One (1) year rate as at April 11, 2017 + annual bonus rate 2017 Reference Rate («RR 2017») applicable from April 11, 2017 to April 11, 2018 One (1) year rate as at April 11, 2018 + annual bonus rate 2018 Reference Rate («RR 2018») applicable from April 11, 2018 to April 11, 2019 The interest is calculated as follows: Principal = The amount of the Initial Deposit plus the cumulative pre-issue interest accrued between the date of Initial Deposit and the Date of Issue. CL² CL¹ EL SL 100% = The average closing end level of the S&P/TSX 60 Index reference index on February 12, 2019, March 12, 2019 and April 11, 2019 is established as follows: SL x (or the following business day if no reading takes place on the index on these dates). 1+RR2014) x (1+RR2015) x (1+RR2016) x (1+RR2017) x (1+RR2018) = The closing start level of the S&P/TSX 60 Index reference index on April 11, 2014 (or to which 100 is assigned as the following business day if no reading takes place on the index on this date)initial value. = The rate of participation in the index growth. INTEREST LIMITRISK AND SUITABILITY