Award received at the SRP Americas 2024 Awards ceremony, held by UK-based firm Structured Retail Products (SRP).

Source: Desjardins internal analysis, October 2024.

A secondary market is maintained under certain conditions. Early trading charges may apply to A-Class notes.

Structured Retail Products (SRP), a division of Euromoney Global Limited, is a research firm founded in 2001 in England, providing news, data, research, event and training services related to structured products. SRP provides manufacturer and distributors awards. On the manufacturer side, the manufacturers with both more than 10 striking products and more than 10 maturing products, during the April 1, 2023 to March 31, 2024 period present in the SRP database were in contention to win one of the manufacturer awards, the contenders with the top ratings winning the awards. For the Best House awards, ratings are calculated by taking each contender’s results with the following weightings: annual sales as in SRP’s database in the year to the end of March 2024 with a 75% weighting; and survey score with a 25% weighting, the survey score being based on the average rating across various criteria given to each contender by the survey respondents. Desjardins received the Best House, Canada award, the Best House, Capital Protection award and the Voice of customer award. For the distributor awards, all distributors with both more than 10 striking products and more than 10 maturing products, during the April 1, 2023 to March 31, 2024 period present in the SRP database were in contention to win, the contenders with the top ratings winning the awards. For the Best Distributor awards, ratings are calculated by taking each contender’s results with the following weightings: annual sales as in SRP’s database in the year to the end of March 2024 with a 50% weighting; and sales-weighted average performance as in SRP’s database for products maturing or expiring in the year ending March 31, 2024 with a 50% weighting. Desjardins received the Best Capital Protected Distributor, Americas award, the Best Distributor, Canada award and the Best Performance award. All rights reserved.

An investment in principal protected notes (PPNs) may not be suitable for all investors. Important information about principal protected notes is contained in the Information Statement and the Oral Disclosure Document of each note. Investors are strongly encouraged to carefully read this documentation related to a note issuance before investing and to discuss the suitability of an investment in the notes with their investment advisor or dealer representative before making a decision. The documentation related to a notes issuance in particular is available on the summary page of that issuance. In the event of any inconsistencies or conflicts between this document and the Information Statement, the Information Statement governs. The offering and sale of notes may be prohibited or restricted by laws in certain jurisdictions in Canada and notes are not offered for sale outside Canada. Notes may only be purchased in the jurisdictions where they may be lawfully offered for sale and only through individuals duly registered and authorized to sell them. Past performance is not indicative of future performance. The return on principal protected notes is dependent on the change (which may be positive or negative) in value of the underlying assets during the term of the note and it is possible that there may be no interest payable to the investor. The return on a note cannot be established before maturity. Some notes may be subject to caps, participation rates and other limits which feed through to performance. The full principal amount of a principal protected note will be repaid at maturity only. An investment in notes is subject to certain risk factors. Please read the Information Statement and Oral Disclosure Document for complete details, including the precise formula for determining the return on a note.

An investment in Non-principal protected notes (NPPNs) may not be suitable for all investors. The Notes differ from conventional debt and fixed income investments; repayment of the entire principal amount is not guaranteed (other than a minimum of 1% of the Principal Amount) and will be at risk. As a result, you could lose substantially all your investment in the Notes. The Notes entail downside risk and are not designed to be alternatives to conventional debt or fixed income investments or money market instruments. Important information about Non-principal protected notes is contained in the Base Shelf Prospectus, the Prospectus Supplement and the Pricing Supplement (collectively, the “Prospectus”) of the notes. Investors are strongly encouraged to carefully read this documentation related to a note issuance before investing and to discuss the suitability of an investment in the notes with their investment advisor or dealer representative before making a decision. The documentation related to a notes issuance in particular is available on the summary page of that issuance. In the event of any inconsistencies or conflicts between this document and the Prospectus, the Prospectus govern. The offering and sale of notes may be prohibited or restricted by laws in certain jurisdictions in Canada and notes are not offered for sale outside Canada. Notes may only be purchased in the jurisdictions where they may be lawfully offered for sale and only through individuals duly registered and authorized to sell them. Past performance is not indicative of future performance. The return on Non-principal protected notes is dependent on the change (which may be positive or negative) in value of the underlying assets during the term of the note and it is possible that there may be no interest payable to the investor. The return on a note cannot be established before maturity. Some notes may be subject to caps, thresholds, participation rates and other characteristics which may be reflected in the performance. Since the Notes are not protected and the Principal Amount will be at risk, it is possible that you could lose some or substantially all of your original investment in the Notes. An investment in notes is subject to certain risk factors. Please read the Prospectus for complete details, including the precise formula for determining return on a note.

The PPNs and NPPNs (collectively, the Notes) will not constitute deposits that are insured under the Deposit Institutions and Deposit Protection Act (Québec), the Canada Deposit Insurance Corporation Act or under any other deposit insurance regime.

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