ACCESS YOUR CAISSE’S SERVICES 24/7

desjardins.com 1 800 CAISSES m.desjardins.com

ATMs and direct withdrawals at merchants

HEAD OFFICE230, rue Principale Ouest, Magog J1X 2A5

MAGOG SERVICE CENTRE1860, rue Sherbrooke, Magog J1X 2T3

EASTMAN SERVICE CENTRE12, rue Lapointe, C.P. 240, Eastman J0E 1P0

STANSTEAD SERVICE CENTRE12, chemin de Fairfax, Stanstead J0B 3E0

MANSONVILLE AUTOMATED SERVICE CENTRE342, rue Principale, C.P. 9,Mansonville J0E 1X0

DESJARDINS BUISNESS-ESTRIE1815, rue King Ouest, bureau 300, Sherbrooke J1J 2E3 Telephone: 819 821-2201Toll Free: 1 866 821-2201

EXTENDED HOURS | OPEN ON SATURDAY

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MAGOG SERVICE CENTRE1860, RUE SHERBROOKE, MAGOG

EASTMAN SERVICE CENTRE12, RUE LAPOINTE, EASTMAN

STANSTEAD SERVICE CENTRE12, CHEMIN DE FAIRFAX, STANSTEAD

MANSONVILLE AUTOMATED SERVICE CENTRE342, RUE PRINCIPALE, MANSONVILLE

$US

HEAD OFFICE230, RUE PRINCIPALE OUEST, MAGOG

SERVICES ACCESSIBLE THROUGHOUT THE TERRITORY Telephone: 819 843-3328Toll Free: 1 866 400-3328

SPEAK TO AN ADVISOR (INCLUDING HOLIDAYS)Monday to Friday, 6 a.m. to 10 p.m.Saturday and Sunday, 8:30 a.m. to 4 p.m.

desjardins.com/caissedulacmemphremagog

facebook/caisselacmemphremagog

Your caisse won a Claude Trophy at the Gala Mérite coopératif 2015PRIZE OF « BEST OVERALL PERFORMANCE »

A COOPERATIVE AT THE HEART OF ITS COMMUNITY ! Follow us: facebook.com/caisselacmemphremagog

THE COOPERATIVEDIFFERENCE

at Caisse Desjardinsdu Lac-Memphrémagog

2 3The cooperative difference Caisse Desjardins du Lac-Memphrémagog

DEMOCRACY

SOLIDARITY

EQUALITY

EQUITY

RESPONSIBILITY

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MISSION

The mission of the Caisse Desjardins du Lac-Memphrémagog is to be a cooperative, innovative and successful partner, present at each stage of life of its members and actively involved in the well-being of its community.

Cooperative values are at the core of your Caisse’s existence and of its management practices:

Community DevelopmentCommittee

Board of supervision

Young internOfficer

33,350 Owners-members*

Boardof directors

General Manager

ORGANIZATION CHART

*RIGHT TO VOTE AT 18 YEARS OF AGE

Market Development Management, Performance Support Management and Member Services Management

SERVICES FOR INDIVIDUALS AND BUSINESSES

• Investments• Financial planning• Portfolio diversification• Retirement analysis• Market securities brokerage• Insurance• Private management• Desjardins Business Centre

YOU CAN BECOME AN OFFICER

To become an elected officer, you must meet eligibility requirements, submit your candidacy and be elected by members at the Annual General Meeting.

Are you between 18 and 30 years of age? If so, you may also take part in the Young Intern Officer Program offered at the Caisse and complete an internship as an officer.

Your caisse Desjardins at a glance:

• 33,350 members• 95 employees to serve you• 19 elected managers• 1 young intern officer• 11 ATMs and 1 ATM in $US• 5 Service Centres

(1 of which is automated) • Desjardins Business Centre - Estrie• The community’s premier

financial institution • A committed co-op• $5,645 given to the community everyday

4 5The cooperative difference Caisse Desjardins du Lac-Memphrémagog

Desjardins Group overview:

COMMUNITY DEVELOPMENT FUND

• Arts and culture • Cooperation• Economic development

INITIATIVES SUPPORTED IN VARIOUS SEGMENTS:

IN 2015, $339,110 WERE GIVEN TO MORE THAN 35 ORGANIZATIONS.

DESJARDINS SCHOOL RETENTION FUNDCreated in 2007, this fund allows the Caisse to support educational success of young people.

COOPERATING IN THE MEMBERS’ FINANCIAL SELF-SUFFICIENCY

The Caisse offers convenience services in 8 senior citizen homes located in Magog in order to allow elderly to manage their personal finances.

In 2015, 35 Caisse members were granted a second chance after asking the Board of directors to keep their account open despite bounced cheques and overdrawn accounts.

• Education • Humanitarian work and community services • Health

ADVANTAGES FOR YOU AND YOUR COMMUNITY

Since it is a co-op, the Caisse can distribute part of the surplus accumulated during the fiscal year among its members in form of member dividends.

Individual member dividends are paid in cash.

Collective member dividends are paid into the Community Development Fund (CDF) to support local initiatives.

Desjardins Magog Perseverance Team (Grand défi Pierre Lavoie)

Fondation Christian Vachon Phelps Helps

Top cooperative financial group in Canada and the 6th in the World

Ranked first among North America’s Strongest Banks and second in the World

47,650 employees, the largest private employer in Quebec. 

$81M in community support (donations and sponsorships)

One of the most diversified service offeringsin the country

Since five years, the Caisse has paid: • $8,39 million in individual member dividends; • $1,75 million to the Community Development Fund; • $293,600 in donations and sponsorships.

The Community Development Fund (CDF) is a collective dividend, the amount of which is decided each year at the annual general meeting of the Caisse by its members.

6 7The cooperative difference Caisse Desjardins du Lac-Memphrémagog

FUNDS FOR MAJOR EVENTS

OTHER FIELDS OF ACTIVITY

Correspondances d’EastmanEastman en blues Fête des Neiges de MagogFête des Vendanges Magog-Orford Traversée internationale du lac Memphrémagog TriMemphréXMan Race (Mount Orford)

Accueil Notre-DameAction Memphré-OuestBanque alimentaire MemphrémagogCarrefour de solidarité internationale Centre d’arts OrfordCirque des étoiles MemphrémagogClub de natation MemphrémagogCoop Santé d’EastmanCoopérative de solidarité de services à domicileCPE L’Enfant-Do

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Desjardins Foundation – Scholarships Desjardins Youth Work ExperienceFondation du Cégep de Sherbrooke Fondation de l’Hôpital de Memphrémagog Fonds d’entraide DesjardinsMagog Youth Services co-op Maison Aube-LumièreMaison Soleil de MansonvilleMassawippi Valley Health CentreMount Orford economic revival fundMunicipalité de Sainte-Catherine-de-Hatley

JE COOP MON PROJET ! CONTEST

In order to recognize and promote the new achievements and projects of organizations and groups in our area, the Caisse held the Je Coop mon projet ! contest in 2015. The 3 finalists were presented at the Caisse’s Annual General Meeting 2015. The members, who were at the Caisse’s Annual General Meeting, voted on the order of the winners.

PROCESSING OF REQUESTS

Major requests for support from the CDF as well as major applications for donations and sponsorships are submitted to a committee comprised of five Caisse managers and one Caisse employee. Over the course of 2015, the members of the committee held 6 meetings during which they processed 35 requests in compliance with the Financial Support Policy of the Caisse.

The first prize of $10,000 was awarded to École secondaire La Ruche for its work station “à vélo on récupère” Banque alimentaire Memphrémagog received the second prize of $5,000 for its group purchasing service and Les Courses Tempus Fugit won the third prize of $2,500 for the creation of the Nageeneaulibre.com Circuit.

For more information about the CDF and its eligibility criteria, please check our Financial Support Policy at desjardins.com/caissedulacmemphremagog or contact your Cooperation and Communications Advisor:

Émilie Cottineau819 843-3328 ext.: 7208287emilie.cottineau@desjardins.com

Pat Burns ArenaRessourcerie des FrontièresScholarships Stanstead Welcome PolicySunnyside Elementary school Val-de-Grâce Elementary school in EastmanYouth member dividends

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Photo : Quebec Stockimages

Photo : TC Média Charles-Antoine Rondeau

Photo : Jocelyn Riendeau

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8 9The cooperative difference Caisse Desjardins du Lac-Memphrémagog

DONATIONS AND SPONSORSHIPS HUMAN INVOLVEMENT AT THE HEART OF OUR ACTIONS In 2015, thanks to its donation and sponsorship program, your caisse gave $37,000 and supported more than 50 organiza-tions that are active in many areas.

$37,000 50 organizations

Borderfest, Stanstead

Arts and culture

Défi Memphré Marathon de Magog Souper du Partage

Education Health Help and solidarity

To be a major player in the development of our community, the Caisse does not limit itself to financial contributions. It is humanly involved in the region, thanks to the commitment of its employees and administrators.

THE ESCOUADE D

In 2015, 60 administrators and employees took part in one of the 20 activities of the Escouade D. A total of 450 hours of volunteer work were devoted to supporting the organizations and activities in our region.

CHALLENGES FOR WORTHY CAUSES

Many Caisse employees and officers often participate to sporting challenges that aim to raise money for a good cause in our community. In 2015, they participated in the following sporting activities: Défi adapte ta course (Fondation du Centre de réadaptation de l’Estrie), Défi Memphré, Marathon de Magog, Relais du lac Memphrémagog (Fondation Christian Vachon) and Relais pour la vie de Magog.

DESJARDINS MUTUAL ASSISTANCE CAMPAIGN

In order to support Centraide Estrie which helps 6 organisms in our RCM, employees and officers mobilized for this cause and showed their support by wearing jeans and collected over $500! The Caisse generously tripled this amount by adding a sum of $1,500.

In 2015, the Caisse offered some exclusive advantages for Desjardins members. Whether in the context of a contest or at events sponsored by the Caisse, these distinctive advantages have enabled the winners to live a unique experience, to receive a gift or an exclusive privilege.

Discover all the advantages of being a member of a financial services cooperative: desjardins.com/advantages.

At the Caisse, some employees are also involved in different commitees and community organizations.

10 11The cooperative difference Caisse Desjardins du Lac-Memphrémagog

MEMBER ADVANTAGES, TAILORED FOR YOUTH

general scholarships were given to students from secondary, college, professional and university levels and 2 distinction scholarships (youth involvement and academic perseverance).

Ten elementary schools participated in the School Caisse service this year. Over the year close to 450 young members made seven or more deposits, for which they each received a $10 youth member dividend.

A MAJOR SUPPORT FOR ACADEMIC PERSEVERANCEThe Caisse is proud to support our youth in their efforts and academic success. In 2007, a Desjardins school retention fund was created in order to concretely support local projects of school retention. In total, an amount of $377,500 was injected.

The general manager of the Caisse, Mr. Jean-Luc Dasté, was recognized as a superhero of school retention during the « Hooked on School Days ». It’s thanks to his Desjardins Magog Perseverance Team and Grand Tour des petites écoles project, created in collaboration with École secondaire la Ruche since 2012.

PRIZE OF « BEST OVERALL PERFORMANCE »In 2015, the Caisse Desjardins du Lac-Memphrémagog won a Claude Trophy at the Gala Mérite coopératif 2015 under the category of « best overall performance ».

The Caisse stood out in our region, thanks to its overall performance, its financial strengthand also by its involvement. It was able to promote inter-cooperation values in its community in all of its activities, ensured to take into account its members interests in its decisions while making sure to manage soundly, prudently and rigorously its assets. The Caisse’s staff was able to offer a distinctive service to its members, by accompagnying them in their present and future projects.

This overall performance allows the Caisse to be present for its community and to support some major projects for our region. An average of $5,645 is given back daily to the Community. A nice way to make a difference.

DESJARDINS-JEUNES AU TRAVAIL

Thanks to a partnership with Carrefour jeunesse-emploi Memphrémagog, the Caisse helped 15 young people achieve their first work experience in 2015.

MAGOG YOUTH SERVICES CO-OP (JOBINADO)

This allowed 9 young people to learn about co-op work and gain initial work experience.

$19,800 $2,000

DESJARDINS FOUNDATION5 scholarships went to our Caisse.

$7,780

STUDENT CAISSE

8 students managed their own financial cooperative services at École secondaire de la Ruche.

IN SCOLARSHIPS

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ACCESS YOUR CAISSE’S SERVICES 24/7

desjardins.com 1 800 CAISSES m.desjardins.com

ATMs and direct withdrawals at merchants

HEAD OFFICE230, rue Principale Ouest, Magog J1X 2A5

MAGOG SERVICE CENTRE1860, rue Sherbrooke, Magog J1X 2T3

EASTMAN SERVICE CENTRE12, rue Lapointe, C.P. 240, Eastman J0E 1P0

STANSTEAD SERVICE CENTRE12, chemin de Fairfax, Stanstead J0B 3E0

MANSONVILLE AUTOMATED SERVICE CENTRE342, rue Principale, C.P. 9,Mansonville J0E 1X0

DESJARDINS BUISNESS-ESTRIE1815, rue King Ouest, bureau 300, Sherbrooke J1J 2E3 Telephone: 819 821-2201Toll Free: 1 866 821-2201

EXTENDED HOURS | OPEN ON SATURDAY

245

247

141

55

10

MAGOG SERVICE CENTRE1860, RUE SHERBROOKE, MAGOG

EASTMAN SERVICE CENTRE12, RUE LAPOINTE, EASTMAN

STANSTEAD SERVICE CENTRE12, CHEMIN DE FAIRFAX, STANSTEAD

MANSONVILLE AUTOMATED SERVICE CENTRE342, RUE PRINCIPALE, MANSONVILLE

$US

HEAD OFFICE230, RUE PRINCIPALE OUEST, MAGOG

SERVICES ACCESSIBLE THROUGHOUT THE TERRITORY Telephone: 819 843-3328Toll Free: 1 866 400-3328

SPEAK TO AN ADVISOR (INCLUDING HOLIDAYS)Monday to Friday, 6 a.m. to 10 p.m.Saturday and Sunday, 8:30 a.m. to 4 p.m.

desjardins.com/caissedulacmemphremagog

facebook/caisselacmemphremagog

Your caisse won a Claude Trophy at the Gala Mérite coopératif 2015PRIZE OF « BEST OVERALL PERFORMANCE »

A COOPERATIVE AT THE HEART OF ITS COMMUNITY ! Follow us: facebook.com/caisselacmemphremagog

THE COOPERATIVEDIFFERENCE

at Caisse Desjardinsdu Lac-Memphrémagog