Working together

2019 Annual Review

Dear Members, We are proud to present this review of our Caisse’s main achievements for the 2019 fiscal year.

Desjardins was in the news a lot last year, particularly due to the privacy breach announced on June 20, 2019. However, our Caisse did some great things in the community, and we would like to highlight them here.

Skilled directors who represent our community In 2019, we had our first call for director nominations since we rolled out our enhanced group profile. The goal of this profile is to assemble a board of directors that has all the skills needed to perform its functions while reflecting the diversity of our members.

Fighting and adapting to climate change Climate change is one of the most pressing challenges facing our world and is a growing concern for our members. Desjardins is committed to taking on a larger role in the transition to a low-carbon economy. We are now carbon-neutral and are launching initiatives to help our personal and business members make the move to clean energy. We are also gradually incorporating new environmental, social and governance criteria in our decision-making processes as part of our shift to environmentally and community-friendly finance.

Committed to young people and our community Through scholarships, donations, sponsorships and youth-focused programs, Desjardins shows its generosity and commitment to young

people between the ages of 6 and 30, across Ontario and Quebec. In 2019, Desjardins announced it would commit $50 million a year to supporting young people in the areas of education, health and healthy living, employment and entrepreneurship, and community involvement. Thanks to members like you, our Caisse is able to enrich the lives of young people and the larger community by supporting important initiatives that bring people together around a common goal and have long-term benefits for the community. We distributed $48,700 through our Community Development Fund last year and provided a total of $58,400 in the form of donations and sponsorships.

Acknowledgements Special thanks to all our employees, managers and directors who work tirelessly to serve our members and the community. You are the heart and soul of our Caisse. I would also like to thank our General Manager, Lise Drolet, who keeps us focused on what is best for our members and clients, and our Desjardins Group partners, who help us meet our members’ financial needs. Finally, I would like to thank you, our members, for placing your trust in us. Thanks to you, we are able to help our members and the community achieve their goals!

Denis Bernier Caisse Chair

Message from the Caisse Chair

Notre-Dame-de-Grâce Soccer Association

Examples of our Commitment and Involvement in the Community

Comité Justice et Solidarité

PACTE | The Depot Community Food Centre

Loyola Association for the Development for Youth | Camp Les Jeunes Correspondants

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Dear Members, In 2019, our results show not only how committed members are to our financial services cooperative, but also how soundly the affairs of the Caisse have been managed. These results encourage us to continue our efforts to offer services and solutions that meet and exceed your expectations. With business under management totalling $930,079,000 up 8% from 2018, we are well positioned in our market. To continue to guarantee you the best experience as members, we rely on innovative products and on the quality of our service delivery. We rely as well on the expertise of all our employees and that of all specialists from Desjardins Group. By being a Caisse member and regularly using our products and services, you help our Caisse maintain its financial health. Thanks to you, the Caisse can reach its full potential and deliver products and services that benefit all members and the community.

Desjardins members and clients are fully protected The digital age offers a number of exciting new advancements, but also comes with its share of risks. Because we care about the interests of our members and our clients, we want to make sure your information is safe. That is why we created Desjardins Identity Protection, a free, first-of-its-kind program for all Desjardins members and clients. Desjardins Identity Protection has four components: full protection against unauthorized transactions for all accounts and assets at Desjardins, personalized support in the event of identity theft, reimbursement of up to $50,000 for certain expenses incurred during the identity restoration process, and 5-year Equifax credit monitoring. To benefit from Equifax credit monitoring, the member registers free of charge using the code provided by Desjardins.

There when and where you need us Many of our products and services are available 24/7 online and in the AccèsD app. In 2019, Desjardins continued to modernize by making even more products and services available online. We launched 100% online mortgage renewal in 2018, and now with My First Home app, first-time homebuyers can determine how much home they can afford, put together a homebuying plan and compare their favourite properties. With the app, homebuyers can move at their own pace and also get help online or over the phone at any point in the homebuying process. We continue to issue the new Desjardins Access Cards with Flash. With this feature, you can pay for purchases up to $100 quickly and securely just by tapping. No more inserting your card or entering your PIN. You will get a new card with this feature when your current card expires. We also recently obtained new ATMs, which feature touchscreens and accept envelope-free deposits for a simpler, more user-friendly experience.

More changes to member dividends We have updated member dividends again. We now recognize personal members who have insurance with us and base individual dividends on information that is readily available to members. This year, we are proposing a total member dividend of $624,737. Individual member dividends are now based on the member’s business volume (credit and savings account balances and insurance premiums). And to enrich our community through support for major initiatives, we recommend a contribution of $97,605 to the Community Development Fund (CDF).

Committed to our members Our Caisse’s strength lies not only in our financial performance, but also in our employees. These skilled, dedicated individuals ensure that our services are in line with your needs. I would also like to thank our Caisse directors for the important work they do. Their commitment to our social and economic mission helps us maintain close business relationships with members and increase our visibility in the community. As you can see, we are all committed to enriching the lives of our members and our community!

Lise Drolet General Manager

Message from the General Manager

Community Development Fund (CDF)

In 2019, we donated $48,700 to the following organizations to support them in their projects, including, among others: Bienvenue à Notre-Dame-de-Grâce, Comité Aide aux devoirs, Club de judo Shidokan, École Saint-Luc, Depot Community Food Centre, Personal Finance: I'm in Charge Program®, and Montreal Wado Ryu Karate Association.

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We are all committed to people and communities

TO WATCH OUR MANY VIDEOS, GO TO THE CHANNEL OF Caisse Desjardins de Notre-Dame-de-Grâce

We support the socio-economic vitality of our community through donations, sponsorships and the Community Development Fund (CDF). Members like you contribute to the CDF by voting to earmark part of your dividends for the fund during the Caisse Annual General Meeting.

Education Assistance for the community’s most in need and to fight poverty

Food security Integration assistance for newcomers and cultural communities

Physical and mental health and healthy lifestyles

Solidarity-Based Financial Products

PACTE Program

11%

16%

9%

6%

52%

4%

2%

Bienvenue à Notre-Dame-de-Grâce

Comité Aide aux devoirs PACTE | 132e groupe scout Sainte-Catherine de Sienne

École secondaire Saint-Luc

Montreal Wado Ryu Karate Association

PACTE | 12e Groupe scout NDG PACTE | Centre de bénévolat NDG

Donations and sponsorships The Caisse distributed $58,400 to organizations in its territory to support a number of projects, including, among others: Notre-Dame-de-Grâce Soccer Association, Cinéma NDG, Comité Justice et Solidarité (summer camp), The Sir Mortimer B. Davis Jewish General Hospital Foundation, Fondation musique de l'école secondaire Saint-Luc, MR 63: F-MR Project, Société Elizabeth Fry du Québec, and Tennis Notre-Dame-de-Grâce.

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Education Health and Lifestyle Culture Economic Development Humanitarian and Community Services

21%

21%

8%

30%

20%

Association de Bocce Saint-Raymond

Comité Justice et Solidarité Eva R. Gsum Foundation

Notre-Dame-de-Grâce Soccer Association

Fondation musique de l’école secondaire Saint-Luc

Société Elizabeth Fry du Québec

Cinéma NDG Tennis Notre-Dame-de-Grâce

In partnership with Desjardins Montreal Branches, Microcrédit Montréal (formerly the Association Communautaire d’Emprunt de Montréal – ACEM) offers microcredit to individuals and communities less well served by financial institutions and other traditional lenders. To encourage start-ups and business development, Microcrédit Montréal offers loans for pre-start-up, start-up, expansion or business consolidation, loans for the recognition of prior learning, as well as personalized coaching and training in writing a business plan.

In partnership with other caisses in the region, the Association coopérative d’économie familiale (ACEF) du Sud-Ouest de Montréal helps people in financial difficulty by offering them budget management advisory services and, occasionally, by granting temporary microcredit support.

Desjardins Group wants to encourage young entrepreneurs to realize their business goals. To this end, the Group works in cooperation with numerous entrepreneurship partners in order to provide young entrepreneurs with guidance during the launch phase of their business, as well as financing tools adpated to their needs and resources. Through CRÉAVENIR, Desjardins caisses act in partnership to promote local entrepreneurship and contribute to the growth of communities.

Desjardins Solidarity-Based Financial Products IN COLLABORATION WITH:

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Working together

MICROCRÉDIT MONTRÉAL

PRÊTS D’ENTRAIDE DU SUD-OUEST (P.E.S.O.)

CRÉAVENIR

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514-482-9366 www.desjardins.com/caissenotredamedegrace

Financial services available 24/7

www.desjardins.com

514 CAISSES (224-7737)

m.desjardins.com (iPhone and Android apps)

ATMs and debit purchases with cash back

Mobile cheque deposit

Together, we have helped you give life to your projects and ambitions. That is why we will continue to invest in projects that contribute concretely and positively to the wellbeing of all. The Community Development Fund (CDF), as well as Donations and Sponsorships, are important tools used to support the socio-economical life of our community.

DREAMS COME TRUE WHEN… the Caisse Desjardins de Notre-Dame-de-Grâce

CONTRIBUTES TO YOUR PROJECTS!

HEAD OFFICE DECARIE 3830 Decarie Boulevard Montreal, Quebec H4A 3J7 Business Hours

ADVISORY SERVICES Monday . . . . . . 9∶00 a.m. - 5∶00 p.m. Tuesday . . . . . 9∶00 a.m. - 5∶00 p.m. Wednesday . . 10∶00 a.m. - 8∶00 p.m. Thursday . . . . 9∶00 a.m. - 8∶00 p.m. Friday . . . . . . . 9∶00 a.m. - 5∶00 p.m. TELLER SERVICES Monday . . . . . . 9∶00 a.m. - 4∶00 p.m. Tuesday . . . . . 9∶00 a.m. - 4∶00 p.m. Wednesday . . 10∶00 a.m. - 4∶00 p.m. Thursday . . . . 9∶00 a.m. - 7:30 p.m. Friday . . . . . . . 9∶00 a.m. - 4∶00 p.m.

MONKLAND SERVICE CENTRE 5801 Monkland Ave. Montreal, Quebec H4A 1G4 Business Hours

ADVISORY SERVICES Monday . . . . . . 9∶00 a.m. - 5∶00 p.m. Tuesday . . . . . 9∶00 a.m. - 5∶00 p.m. Wednesday . . 10∶00 a.m. - 8∶00 p.m. Thursday . . . . 9∶00 a.m. - 8∶00 p.m. Friday . . . . . . . 9∶00 a.m. - 5∶00 p.m. Saturday. . . . . 9∶00 a.m. - 3∶00 p.m. TELLER SERVICES Monday . . . . . . 9∶00 a.m. - 5∶00 p.m. Tuesday . . . . . 9∶00 a.m. - 5∶00 p.m. Wednesday . . 10∶00 a.m. - 5∶00 p.m. Thursday . . . . 9∶00 a.m. - 8∶00 p.m. Friday . . . . . . . 9∶00 a.m. - 5∶00 p.m. Saturday. . . . . 9∶00 a.m. - 3∶00 p.m.