This year, the DesjardinsGroup celebrates its 110 th

anniversary. The f i rstcaisse Desjardins wascreated in Lévis in 1900,

when Alphonse Desjardins convinced his fellow citizensto band together to meet their financial needs.

Today, his financial model based on cooperative valuesis recognized worldwide and provides services to over5.8 million members and clients. As we begin 2011,I would like to thank you for your trust in Desjardins.We are 49,000 employees and managers who believestrongly in developing our neighbourhoods and in ourdistinctive services. Employees, managers and membersof this financial services cooperative all work togetherto build a better future.

In 2010, the Group received a number of awards tohighlight its excellence. I would like to mention twoof them:

— Winner in the Social Record category of the QuebecCorporate Citizenship awards organized by Korn/Ferry,National and the magazine L’actualité

— Canadian winner of the Bank of the Year 2010 title,awarded by the British magazine The Banker.

Your Caisse Mont-Rose–Saint-Michel is proud to bea part of the Desjardins Group family.

In closing, I would like to invite you to join us onApril 26, 2011, for our next Annual General Meetingtaking place at the Le Baron (6020 Jean-Talon East inSt Léonard), starting at 6 p.m. Mark your agenda –this is an important event at which you may exerciseyour vote and express your views. We look forward tomeeting you all and sharing the Caisse’s 2010 financialresults and social commitment with you.

Best regards,

4565 Jean-Talon E.Montréal (Québec) H1S 3H6

Telephone Support Centre514 725-5050

Automated Service Centres5000 Jean-Talon E., Montréal4390 Beaubien E., Montréal3800 Villeray, Montréal

For more news from your Caisse,don’t miss our next newsletter!

VOLUME 4, NO 1FEBRUARY 2011

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A Word from the General Manager

Contribute to your RESP and TSFA through ACCES D

We’d like to remind those of youwho use AccèsD Internet that youmay subscribe online to both aregistered retirement savings plan(RESP) and the TSFA plan.

You may also open a Tax-FreeSavings Account (TSFA) directly with AccèsD at any time.Rules for contributing to the TSFA are posted when youconduct the transaction online.

However, if you would like particular advice or makean appointment before you invest, call our experts at514 725-5050. They will be pleasedto help.

Last year, six caisses in the easternpart of Montreal got together tocreate a fund to help young entre-preneurs develop or acquire theirfirst business in the Rosemont–La Petite-Patrie neighbourhood.The fund is named Créavenir.

If you are between 18 and 35 yearsold, have business acumen and agood idea and need a first interest-

free loan or subsidy between $2,000 to $10,000…Créavenir may be for you!

A total of $50,000 will be added to the fund every year until2013 to support the development of promising projects.

For guidance in the start-up phase of your first business,contact the CDEC Rosemont–La Petite-Patrie, one of thepartners in the creation of the Rosemont–La Petite-Patrieborough’s Créavenir fund.

514 723-0030 • www.cdec-rpp.ca

The CréavenirProgram

Alain FredetteChairman ofthe Board

You can…

Danielle HénaultGeneral Manager

It only takes a minute throughAccèsD!

Don’t have a

TSFA?

In the last issue of L’Entre-Nous, we asked whether youwould like to receive the newsletter by e mail, and manywrote to us to provide their address so we couldcommunicate with them in this fashion in the future.Their names have therefore been removed from our“snail-mail” list.

If you too would like to have your name removedfrom our regular mailing list and receive informationelectronically, please contact:

roxane.p.prince@desjardins.com • 514 723-7790

In your note, don’t forget to indicate your contactinformation and e-mail address!

In addition, during 2011, all members who, during anappointment or telephone call, provide their e mailaddress to add to their file will receive L’Entre-Nousnewsletter by e-mail. If you do not wish to receive thisquarterly document, you only need to click “no longerwish to receive” at the bottom of the e-mail.

Thank you for participating in our proactive effortsto reduce paper consumption. We hope you enjoyreading our news!

Congratulations to Alexandre Zappa andAlexandre Léger for having each won a$1,250 scholarship towards their universityeducation.

The two young adults were among the 1,347 to submitan application to Fondation Desjardins’s selectionpanel.

This is yet another example of the Caisse’s involvementin the community, this time on the educational front.The Fondation Desjardins, with the financial support ofthe caisses, awarded close to 200 scholarships worth atotal of $500,000 this year for various programs toencourage our youth to go to university and obtaintheir degree.

Receive news from yourCaisse by e-mail

Two scholarshipwinners atthe Caisse Mont-Rose–Saint-Michel

Last year’s on track for your future contest,designed to encourage our youth to pursue their studies,was a great success! Just over 65 young members and/orresidents of the Rosemont or St Michel neighbourhoodsparticipated. For that reason and because support for the education of our youth is oneof Desjardins’s priorities, management has decided to hold the contest again this year.

Eligibility criteria:• Be between 18 and 30 years of age;

• Be a resident of the St-Michel or Rosemontneighbourhoods (proof of residence required)and/or be a member of the Caisse Mont-Rose–Saint-Michel;

• Be registered for Cegep or university in 2011(proof of registration required);

• Be present for the draw that will take place at our General Assembly(Le Baron reception hall, 6020 Jean-Talon East in St Léonard), starting at 6 p.m.;

• Fill out and return the entry form, available at the Caisse or on our website atwww.desjardins.com/caissemontrosesaintmichel, to Roxanne Prince atroxane.p.prince@desjardins.com by 3 p.m. on April 1, 2011.

Good luck to you all! We look forward to meeting you atthe General Assembly on April 26, 2011!

One of three academic

scholarships worth

You could win…

$1,500 each.

Over the past 40 years, FondationDesjardins has supported 9,300young adults and awarded over$12 million in scholarships.

Fondation Desjardins’s missionof supporting educationhas produced a structuringeffect on our community.

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