AN INVESTMENT SOLUTION IN TUNE WITH YOUR NEEDS

AN INVESTMENT SOLUTION IN TUNE WITH YOUR NEEDS

THE FREEDOM TO FOCUS ON WHAT MATTERS Our world moves fast. You have bills to pay, and money seems to just slip through your fingers. Debts and everyday expenses bite into your budget. What s left to invest? Do you even have time to think about your long-term plans? Your children s education, your retirement or your dream vacation? Maybe your retirement is coming up soon, or maybe you re already retired. Are you looking for a hassle-free investment solution that puts your money to work for you? Whether you re a young professional, a parent with zero free time, or someone who s already enjoying retired life, our Melodia portfolios are a practical and affordable all-in-one solution that lets you concentrate on what really matters. YOU ONLY HAVE TO MAKE ONE TRANSACTION With just one transaction, you ll have a comprehensive portfolio that is: Spread out over different asset classes and markets Always reflects your investor profile YOU LL BE INVESTING IN ONE OF CANADA S MOST POPULAR PORTFOLIOS With $11 billion in assets under management, 1 our Melodia portfolios are trusted by hundreds of thousands of investors. Managed by world-renowned portfolio managers 1 Desjardins, June 30, 2016

A PRACTICAL, ALL-IN-ONE INVESTMENT With just one investment, you can get everything you need from your portfolio. Choosing a Melodia portfolio means you re choosing to focus on what matters to you. AFFORDABLE INVESTMENTS AND EASY WITHDRAWALS Save at your own pace: you can start with an initial investment of $500 and make regular instalments as low as $25, as long as you invest at least $1,000 the first year. CUSTOMIZED INCOME This made-to-measure option lets you plan your withdrawals based on your own needs; you just have to choose an amount and a frequency (weekly, bi-weekly, monthly, etc.). FIXED MONTHLY DISTRIBUTIONS This option is right for you if your investments are in a non-registered account and you would like to draw a regular income and pay taxes later. MELODIA PORTFOLIOS 03

A TRULY DIVERSIFIED PORTFOLIO Diversification is important. Don t put all of your eggs in one basket is sound advice, especially when it comes to investment strategies. That means making sure your portfolio includes investments that let you profit from different industries, management styles, countries and asset classes. Fortunately, you don t need to do these mental gymnastics. We ll do it for you! Our Melodia portfolios are well-diversified and specifically designed to minimize risk while maximizing return. ALWAYS REFLECTS YOUR INVESTOR PROFILE The balance of stocks and bonds in your portfolio may change over time, as our expert portfolio managers keep an eye on the markets. Regular rebalancing will make sure that your portfolio always reflects your investor profile. These adjustments will also minimize portfolio fluctuations by tempering any big dips or spikes. WORLD-RENOWNED PORTFOLIO MANAGERS Melodia portfolios give you special access to a level of expertise usually reserved for private or institutional investors. You can rest easy knowing that your money is being handled by some of the world s leading experts. They ll work to find the best market opportunities for you. 04 MELODIA PORTFOLIOS

A PORTFOLIO FOR EVERY INVESTOR PROFILE There are 10 different Melodia portfolios. Your representative will help you choose the one that s right for you. MELODIA INCOME PORTFOLIOS The right choice if: You re looking for a regular income You prefer the idea of steady expected returns to higher variable expected returns You want to minimize fluctuations in the value of your investments from sharp ups and downs MELODIA GROWTH PORTFOLIOS The right choice if: You want to grow your investment over the long term You prefer the idea of higher variable expected returns to steady expected returns You can accept seeing the value of your investments vary from significant ups and downs VERY CONSERVATIVE INCOME Fixed income 80% Growth 20% MODERATE GROWTH Fixed income 65% Growth 35% CONSERVATIVE INCOME Fixed income 71% Growth 29% DIVERSIFIED GROWTH Fixed income 55% Growth 45% MODERATE INCOME Fixed income 60% Growth 40% BALANCED GROWTH Fixed income 45% Growth 55% DIVERSIFIED INCOME Fixed income 40% Growth 60% AGGRESSIVE GROWTH Fixed income 30% Growth 70% MAXIMUM GROWTH Fixed income 20% Growth 80% 100% EQUITY GROWTH Fixed income 0% Growth 100% MELODIA PORTFOLIOS 05

MELODIA PORTFOLIOS AT A GLANCE FEATURES Simple WHAT YOU GET A practical, all-in-one investment Affordable An initial investment of just $500 1 Easy withdrawals Customize your income or receive fixed monthly distributions Four Melodia Income portfolios Six Melodia Growth portfolios Diversification More stability and a regular income Grow your money over the long term Reduce risks and maximize your potential returns Regular rebalancing You re never exposed to a level of risk that you re not comfortable with World-renowned portfolio managers Competitive pricing $11 billion in assets under management 2 Your money is in good hands Competitive rates mean you ll get a better return and more money in your pockets You re investing in portfolios trusted by thousands of Canadian investors What are you waiting for? Start making your dreams a reality and free up your time to focus on what really matters. Contact your representative to learn more about our Melodia portfolios. 1 Total of at least $1,000 the first year 2 Desjardins, June 30, 2016 06 MELODIA PORTFOLIOS

GIVE YOURSELF THE MEANS TO CARRY OUT YOUR PLANS WITH MELODIA PORTFOLIOS Anne-Marie Jean Yannick Martin Man Tat Cheng Jocelyne Gosselin 32 years old New mom 41 years old Super Dad 57 years old Grandpa on the go 71 years old Happily retired Anyone can do it! Rent, insurance, everyday spending... I never thought I d be able to invest. But I did it. Everyone can afford a Melodia Portfolio. Take away the hassle Everything moves faster when you have kids... We didn t have the time to manage our investments. That s why we went with a Melodia portfolio. Turn plans into reality The regular automatic withdrawal plan is genius. In less than five years, I ll be ready to retire! Get the best of both worlds My Melodia portfolio is designed to generate regular income while earning a profit on the stock market. That s exactly what I need. Free up your time... Take your dream vacation, buy your very first home, focus on a passion project or spend some quality time with your grandchildren. MELODIA PORTFOLIOS 07

Desjardins Desjardins Group is the leading cooperative financial group in Canada and the fifth largest in the world. We offer expertise in wealth management, life and health insurance, property and casualty insurance, and financial services for individuals and businesses. As a Canadian pioneer in responsible investment, Desjardins continues to be a leading supporter and promoter of the movement. $255 billion in total assets 1 7 million members and clients 5th safest financial institution in the world (and #1 in North America) 2 Desjardins Funds As one of Canada s largest mutual fund manufacturers and the manager of Desjardins Funds, Desjardins Investments Inc. offers investment products that meet the varied and evolving needs of Canadian investors. With its innovative portfolios and industryrecognized funds, Desjardins Investments knows how to set the bar high. $25.8 billion in assets under management 1 Over 75 investment funds and 3 families of portfolios More than 55 years of experience and trusted by some 500,000 investors 1 As of June 30, 2016 2 Bloomberg s 2015 ranking of the World s Strongest Banks desjardins.com/desjardinsfunds desjardinsfunds.com Desjardins Funds are not guaranteed, their value fluctuates frequently and their past performance is not indicative of their future returns. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Desjardins Funds are offered by such registered dealers as Desjardins Financial Services Firm Inc., a mutual fund dealer belonging to Desjardins Group that distributes the Funds in caisses throughout Quebec and Ontario, as well as through Desjardins Financial Centre. This document is printed on Rolland Enviro paper. FKF64105 (08-16) 100%