Terms of use - Statements

The cardholder agrees to promptly verify all entries in his/her pass-book or account statement and to notify the caisse of any errors, omissions, mistakes or other irregularities within thirty (30) days or updating his/her passbook or receiving his/her account statement. Online statements are deemed to have been received the day after the end of a statement period.

Terms and conditions for credit card online account statements

Definitions

Online account statement: an account statement the cardholder can view through a website or application authorized by Desjardins.

Cardholder: person whose name appears on the statement of account and who is registered for online account statements.

By registering for online account statements, the cardholder agrees to be bound by the following terms and conditions:

• Registration for online account statements automatically puts an end to the mailing of paper account statements. If the date of registration for online account statements is too close to the date the cardholder’s account statement is processed, the statement may be sent by mail to the cardholder and will not necessarily be available in electronic format. Subsequent account statements will be available in electronic format only.
• The cardholder acknowledges that an online account statement has the same value as the paper version of the account statement and that it constitutes sufficient written proof in any legal proceedings. The cardholder acknowledges that they are responsible for accessing their online account statements, consulting them and saving them for later viewing, if applicable.
• The cardholder acknowledges that Desjardins shall not be liable for damages resulting from the inability to view online account statements caused by actions beyond the control of Desjardins, including equipment breakdown and problems related to the internet provider. If the cardholder cannot view their online account statement, they must contact Desjardins immediately.

Desjardins may, at any time, suspend access to online account statements and send the statements by mail.

To: DESJARDINS INVESTMENTS INC. in its capacity as manager of the Desjardins Funds (hereinafter the "Manager")

1. I understand and accept that the documents pertaining to the Desjardins Funds (hereinafter the "Funds") that the Manager may electronically deliver to me or cause to be electronically delivered to me, provided such delivery complies with or does not infringe securities legislation applicable to the Funds, are the following:

    

   • Trade confirmations relating to my purchases, switches and redemptions of units of the Funds;
   • My periodic account statements;
   • The simplified prospectus of the Funds or any other document which may replace it such as, eventually, the fund fact document, and that securities legislation requires to be delivered, along with any applicable amendment as the case may be;
   • Annual and interim management report of the performance of each one of the Funds;
   • Annual and interim financial statements of each one of the Funds;
   • Proxy-related materials in case of unitholders meetings (notice of meeting, sollicitation of proxies circular, proxy form, etc.);
   • The tax information slips required for filing my income tax returns;
   • Any notice or document required to be delivered under the terms of the constitutive act of the Funds or any other act or agreement pertaining to the management of the Funds, or to any asset allocation service such as Diapason and Chorus, unless a method of delivery, other than the one provided herein, is mandated;
   • Any other notice or document required to be delivered under the terms of securities legislation applicable to the Funds, unless a method of delivery, other than the one provided herein, is mandated.

   (hereinafter collectively referred to as the "documents" and individually as a "document")

   The Manager shall provide me with a paper copy of any document whose electronic delivery has failed. Furthermore, whenever the Manager deems it appropriate, the Manager may, without having to justify itself, provide me with a paper copy of any document this in place of or in addition to the electronic delivery of such document.

2. The Manager shall effectuate the electronic delivery of a document by placing it as a downloadable electronic file on my secure Accès D space (hereinafter "my AccèsD Space"). I acknowledge and accept that I shall be solely responsible for monitoring my AccèsD Space on a regular basis to download any electronic file the Manager places there from time to time this without having to notify me.
3. By providing this consent on line I confirm that I have the technical ability and resources required to access and download the documents.
4. I acknowledge that I can receive from the Manager, on request, a paper copy of any electronically delivered document by communicating with an advisor at my Caisse Desjardins.
5. Any document shall remain available for downloading from my AccèsD Space for a sufficient period of time given the nature of the document and, in any case, never less than eight (8) weeks.
6. The electronic delivery of any document containing personal information about my account such as account statements and trade confirmations must be secure to protect its confidentiality. Please note that in order to obtain information regarding Desjardins online security, you must click on the Security link located at the bottom of the AccèsD home page.
7. I understand and accept that the electronic delivery of any document that the Manager effectuates in compliance with the provisions of this consent creates a presumption to the effect that I have really received such document.
8. I understand that I am free to give this consent which I can revoke at any time by communicating with an advisor at my Caisse Desjardins or by phoning at 1 800 CAISSES.

Consent for Electronic Transmission of Documents

Securities laws permit Desjardins Securities to deliver some documents to you by electronic means through the eDocuments service if you provide Desjardins Securities with your consent to such form of delivery.

I have read and understand this "Consent for Electronic Delivery of Documents" and consent to the electronic delivery of the documents and/or types of documents listed below that Desjardins Securities elects to deliver to me electronically, all in accordance with my instructions below

In consenting to receive documents by e-mail, you confirm to Desjardins Securities that you agree with the following:

1. You will receive the following documents electronically:
   1. trade confirmations;
   2. portfolio statements;
   3. tax receipts; and
   4. annual trade summaries.
2. 1. Documents will not be sent to you electronically directly. When a new document is available you will receive an e-mail informing you that your electronic document is available online. You will be directed to log in to our web site to access. You will access the PDF versions of electronic documents from our web site. You will log-in to the site, with your log-in ID and password. From our web site you will then access your electronic documents for viewing or printing as you desire;
   2. You agree to verify the trade confirmations and portfolio statements that Desjardins Securities makes available to you on through the eDocuments service of Desjardins Securities (www.vmdconseil.ca) and to immediately advise Desjardins Securities of any error in accordance with the terms of the account. As for other documents to be issued electronically, Desjardins Securities will advise the User by e-mail of the availability of such documents on-site.
3. You will meet software requirements for receipt of the documents electronically, which are as follows:
   • The minimum system requirements to access the Desjardins Securities website (see minimum system requirements)
   • Acrobat Reader 7.1.0 or later. Latest version can be found here.
4. The documents will be available to you for viewing and downloading for a period of 7 years after their date of issue;
5. You may receive from Desjardins Securities a paper copy of any documents delivered electronically at no cost if you contact Desjardins Securities by telephone, regular mail or electronic mail (see contact information under Contact Us). It is recommended however that you print out and retain all order confirmations and account statements for future use, especially tax purposes;
6. You will receive from Desjardins Securities a paper copy of any documents delivered electronically at no cost if the electronic delivery fails;
7. Desjardins Securities reserves the right to, in some circumstances, send to you a paper copy of any documents in addition to or instead of delivering them electronically at no cost to you;
8. H. You will be responsible for:
   1. hecking your e-mail on a regular basis; and
   2. advising Desjardins Securities of any change in you e-mail address;
9. You understand that your consent may be revoked or changed, including any change in the electronic mail address to which documents are delivered (if you have provided an electronic mail address), at any time by notifying Desjardins Securities of such revised or revoked consent by telephone, regular mail or electronic mail (see Contact Us);
10. You understand that you are NOT required to consent to electronic delivery;

Consent for Electronic Transmission of Documents

Securities laws permit Disnat Online Brokerage ("Disnat") to deliver some documents to you by electronic means through the eDocuments service if you provide Disnat with your consent to such form of delivery.

I have read and understand this "Consent for Electronic Delivery of Documents" and consent to the electronic delivery of the documents and/or types of documents listed below that Disnat elects to deliver to me electronically, all in accordance with my instructions below

In consenting to receive documents by e-mail, you confirm to Disnat that you agree with the following:

1. You will receive the following documents electronically:
   1. trade confirmations;
   2. portfolio statements;
   3. tax receipts; and
   4. annual trade summaries.
2. 1. Documents will not be sent to you electronically directly. When a new document is available you will receive an e-mail informing you that your electronic document is available online. You will be directed to log in to our web site to access. You will access the PDF versions of electronic documents from our web site. You will log-in to the site, with your log-in ID and password. From our web site you will then access your electronic documents for viewing or printing as you desire;
   2. You agree to verify the trade confirmations and portfolio statements that Disnat makes available to you on through the eDocuments service of Disnat Online Brokerage (www.Disnat.com) and to immediately advise Disnat of any error in accordance with the terms of the account. As for other documents to be issued electronically, Disnat will advise the User by e-mail of the availability of such documents on-site.
3. You will meet software requirements for receipt of the documents electronically, which are as follows:
   • The minimum system requirements to access the Disnat Classic website (see minimum system requirements)
   • Acrobat Reader 7.1.0 or later. Latest version can be found here.
4. The documents will be available to you for viewing and downloading for a period of 7 years after their date of issue;
5. You may receive from Disnat a paper copy of any documents delivered electronically at no cost if you contact Disnat by telephone, regular mail or electronic mail (see contact information under Contact Us). It is recommended however that you print out and retain all order confirmations and account statements for future use, especially tax purposes;
6. You will receive from Disnat a paper copy of any documents delivered electronically at no cost if the electronic delivery fails;
7. Disnat reserves the right to, in some circumstances, send to you a paper copy of any documents in addition to or instead of delivering them electronically at no cost to you;
8. You will be responsible for:
   1. checking your e-mail on a regular basis; and
   2. advising Disnat of any change in you e-mail address;
9. You understand that your consent may be revoked or changed, including any change in the electronic mail address to which documents are delivered (if you have provided an electronic mail address), at any time by notifying Disnat of such revised or revoked consent by telephone, regular mail or electronic mail (see Contact Us);
10. You understand that you are NOT required to consent to electronic delivery;