A COMPLETE OFFERING TO DIVERSIFY YOUR PORTFOLIO

• Stocks: common shares, preferred shares and flow-through shares.
• Fixed-income securities: strips, bonds and debentures.
• Money market products: savings bonds, Treasury bills, bankers’ acceptances.
• Managed products: mutual funds, exchange traded funds (ETFs) and discretionary management.
• Options¹.
• Life insurance².
• Other products: private placements, structured products, etc.
• Regular accounts, margin accounts, option accounts, margin-short accounts, registered accounts (RRSP, LIRA, RIFF, LIF, RESP, TFSA, SSP II).

THE DARWIN PROGRAM: EXPERTISE AND FREEDOM
Darwin, Desjardins Securities’ discretionary management program, offers you an investment approach tailored to your needs.  It enables you to delegate the daily management of your assets to renowned experts like Jarislowsky Fraser, McLean Budden³ and many others.

To learn more about the Darwin program, see the section Our Services – Discretionary Management.

DESJARDINS SECURITIES ELITE ACCOUNTS: TRANSPARENT AND COMPREHENSIVE
Desjardins Securities Elite accounts are fee-based accounts where the commissions generally paid to your investment advisor are replaced by fees based on the value of your assets. This enables you:

• Better manage the costs of your investment advisor’s services.
• Combine your assets with those of your spouse or family members in order to pay even lower fees⁴.
• Pay no administration fees on registered accounts.

For more information on Desjardins Securities Elite accounts, see the section Our Services – Fee-based Accounts.

¹: Investors should read the document describing the risks inherent in trading options. ²: Life insurance is a product offered through Desjardins Securities Financial Services Inc. ³: Jarislowsky Fraser Ltd. and McLean Budden are related to Desjardins Securities solely through the Darwin discretionary management program. ⁴: Certain conditions apply.