WITHDRAWALLIMITS

With the goal of reducing the amountsthat could be fraudulently withdrawnfrom your account, Desjardins has putinto place the following solutions:

• The total amount of allowedwithdrawals from other bankinginstitutions is set at $300 per day*. Forany addition withdrawals, you must goto a Desjardins teller to confirm youridentity;

• The purchasing limit by directpayment (including withdrawals) atbusinesses is set at $1 000 per day*.

• At the time of certain transactions atthe Desjardins automatic tellingmachine - withdrawal, deposit, transfer,you must confirm your identity byentering the day and the month of yourbirth date.

* These limits can be modifiedaccording to your needs by a simplecall to your caisse at 986-2319, ortoll-free 1-888-986-2319.

In the annual “My parents and I - what

a team!” contest for children in

elementary school participating in

the Desjardins School Caisse, luck

was with Jean-Nicolas Thorne, a pupil

at Saint-Pierre de La Vernière school.

He won a family vacation package

worth $600.

In the “Desjardins NaturLogic” contest for elementary school teachers, Marielle

Bourgeois, a teacher at the 5th and 6th-year levels, was chosen by the jury for

her project under the theme of “L'air réinventé” (air reinvented). Following a

visit to the class by Charles Cormier of the Sedna IV, the students produced a

DVD with information and awareness capsules about climate change, pollution

and greenhouse gases. A prize of $300 was paid by Desjardins toward a class

trip at the end of the

year. An additional

prize of $100 was

awarded to Mme

Bourgeois for her

involvement in helping

the students carry out

this project.

Congratulations!

SCHOOL CONTEST

1278, chemin de La VernièreL'Étang-du-Nord, QCG4T 3E6(418) 986-2319

Service Centres

Cap-aux-Meules248, chemin PrincipalCap-aux-Meules, QCG4T 1C9(418) 986-4236

Grande-Entrée214, Route 199Grande-Entrée, QCG4T 7A4(418) 985-2981

Île du Havre-Aubert142, Route 199Havre-Aubert, QCG4T 9B6(418) 937-2361

www.desjardins.com/caissedesramees

4

© G

EM

INI

Volume 2, no 2, August 2007

Your Caisseinforming you...

More than just an ordinary news bulletin...

A WORD FROM THE DIRECTOR

Dear Members,

Over the last few weeks, your Caisse populaire has created anew document entitled, RECUEIL D'INFORMATIONS POURÉTUDIANTS ET JEUNES TRAVAILLEURS (information forstudents and young workers).

This little booklet was born in response to a focus-group heldlast December with our youth clientele, together with themeeting organized by the Caisse's youth committee forstudents at the Cégep-campus des Îles. Inside this littlecollection, you'll find a summary of information about variousproducts and services offered by the Caisses populaires. Thisdocument is now available at all Caisses in the Islands.

Soon a number of youth will be leaving the Islands to continuetheir studies at places beyond. The managers and staff of theCaisse join me in wishing you success in your plans for furthereducation, an important step forward inanyone's life. Your Caisse populaire willalways be ready to listen to your needs,and you'll find it easy to reach your Caisseadvisor through our Internet site,www.desjardins.com/caissedesramees.

For young customers, the goal of Caissepopulaire Desjardins des Ramées is to be yourPARTNER OF CHOICE.

Good reading, and have a great summer.

Michel Nadeau, Director General

Published by the Caisse Desjardins des Ramées and delivered free to all homes located on the territory of the Caisse.

The following transactions are free of charge at all times• Deposits and direct deposits

• Account balances (inclucing VISA Desjardins) atDesjardins ATMs, via AccèsD telephone andInternet, or accompanying a transaction with ateller*

• Passbook updates

• Paper account statement(monthly without cheques returned)

• Virtual account statement and recorded statementof recent transactions

• Transaction summaries at Desjardins ATMs, and viaAccèsD (telephone and Internet)

• Line-of-credit payments

• Automatic transfer of funds between accounts in asingle folio

* Charges apply by telephone or with a teller if no transaction ismade.

How can I reduce my service charges?

Visit our website at www.desjardins.com/simulatorsand try the "How to Reduce Your Service Charges"simulator to find out how to save on service chargesand to choose the plan that suits you best.

LINE OF CREDIT INSURANCE LENDS YOU A HAND Dany Cormier of Cap-aux-Meules got a wonderful surprise at Caisse populaire Desjardins des Ramées, where he had signed up for Line of Credit Insurance, acomplete protection customized for borrowers. Dany Cormier won a prize of$1000 under the promotion "L'Assurance marge de crédit vous donne un coup depouce", organized in 2006 by Desjardins Financial Security Life AssuranceCompany in collaboration with participating Caisses of the Fédération descaisses Desjardins du Québec.

In the photo, DanyCormier is receiving hischeck from the hands ofCaisse Director GeneralMichel Nadeau andMember Services AdvisorMme France Petitpas.

Changes to user fees(For individual members)

32

WHY IS IT NECESSARY TO BLOCK FUNDS ?

The application of a service charge policy for servicesallows your caisse to offer you a full range of qualityservices. These service charges represent a contributionfrom members that is both reasonable and equitable toensure the profitability of the cooperative in relation tothe number and variety of services used by eachmember. This document contains all of the informationyou will need concerning the changes to be applied tothe fees for caisse services charged to individualmembers, and will become effective on July 1, 2007.

Please note that no changes will be made to thevarious fixed-rate monthly plans.

Automated transactions

A charge of $0.60* per unit (previously $0.55 per unit)will be applied to each of the following automatedtransactions: withdrawal, payment of a bill registered inthe bill file, transfer of funds (at an ATM or via AccèsDTelephone and Internet), direct payment, directwithdrawal (preauthorized payment) and automatictransfer between the accounts of different folios at thesame or different caisses.

* These charges are applied to the following accounts: Personal Chequing

Accounts, Build-Up Savings Accounts and Regular Savings Accounts.

Members who pay a fixed monthly service charge for a specific plan will

pay these increased charges only for the services used that exceed the

basic number included in the plan.

Payment of bills at the counter and through theDesjardins Automated Teller Machines

Service charges of $2.25 (previously $1.50) will beapplied to the payment of bills at the counter of a caisseand for the payment of bills (not registered in a bill file)by envelope at an ATM for Personal Chequing, Build-UpSavings and Regular Savings Accounts. A fee of $2.50(previously $1.75) will be charged for these sameoperations in a High Yield Account.

Stop payment order

A fee of $12.00 (previously $10.00) will apply for a stoppayment order filed against a cheque or preauthorizedpayment.

Cheque retained for future cashing

A charge of $5.00 (previously $3.00) will be made for acheque that is retained at the caisse for future cashingat the member's request.

Non-personalized cheques for «emergency» use

A fee of $0.50 per item (previously $0.25) will becharged for each non-personalized cheque issued at themember's request.

NSF cheque or item

A charge of $37.50 (previously $25.00 uponpresentation of the item plus $10.00 if returned topayee) will be applied if the member's account doesnot contain sufficient funds to cover a cheque orpreauthorized payment.

Safety deposit box

A minimum fee of $100.00 will be charged in the casewhere the member loses both keys to his safety depositbox or if the caisse is obligated, for legal reasons, toopen the safety deposit box. The basis of the calculationremains as before, i.e. $45.00 plus out-of-pocketexpenses, but the total amount charged must in no casebe less than $100.00. These charges are subject to theGST and PST.

For more information, you are invited to consult theReference Guide - Fees and frequently used services forindividual members, available at your caisse, or visitwww.desjardins.com.

Are you looking to reduce the servicecharges you are paying to maketransactions? Try one of our fixedratemonthly plans. We created them tosimplify your life and save you money. Tolearn more about these plans, simplycontact the personnel at your caisse.Together, you will be able to evaluateyour situation and identify the plan thatbest fits your budget and situation.

This is a normal precaution taken by all financial institutions in order toprotect themselves against cheques that may be returned. Blockingfunds is also a measure to prevent frauds.

At Desjardins, funds are blocked for five to seven business days if youcash and/or deposit a cheque at the counter or ATM.

For cheques from other provinces or countries the hold period is longer.

The procedure applies to any cheque, personal or otherwise, as well ascash envelopes deposited at ATMs.

WHAT IS AN AUTHORIZED TRANSIT?

The authorized transit is an amount determined by the caisse to enablespecific individual or business members to cash cheques withoutblocking the funds. This amount is set when the account is opened, toprevent you from being penalized by the five-to-seven-business-daydelay when you cash and/or deposit your cheques.

An authorized transit is neither a line of credit nor an overdraftprotection.

If your financial situation has changed since you opened your account,you should advise your caisse immediately to review the amount of yourauthorized transit.

AVAILABLE AMOUNT

While some of your funds are blocked, you can still withdraw money fromyour account, up to the amount of your authorized transit, in addition toyour existing available balance prior to the transaction.

When making a deposit at an ATM, if funds are to be blocked, you will bespecifically advised of this via a message on the screen.

DIRECT DEPOSIT

In order to ensure immediate access to your money, have your salary, taxcredits and other government or private income (tax refund, familyallowance, Old Age Security pension, annuity payments, etc.) directlydeposited to your account.

WHOM SHOULD I CONTACT?

Feel free to contact your caisse staff for more information.

Léonie Arseneault, a shareholder inCaisse populaire Desjardins desRamées, was one of the winners in the2007 Semaine de la relèvecoopérative contest organized by the Conseil québécois de la coopérationet de la mutualité.

Mme Arseneault won a savingscertificate worth $250 following herparticipation in a virtual rally thatoffered young people an opportunityto learn more about cooperatives and cooperation. 1700 students from thesecondary, collegiate and university levels took part in this rally, duringwhich they discovered what the coops and mutuals in their region really do.A total of $10 000 was awarded in prizes.

The staff and directors of the Caisse congratulate Mme Arseneault for thisprize.

CONTRIBUTING TO THE COMMUNITY In the first half of 2007 the Caisse populaire Desjardins des Ramées continued togive back to the community, through donations, sponsorships and its CommunityDevelopment Fund.

All told, during this period the Caisse populaire Desjardins des Ramées con-tributed over a hundred thousand dollars ($100 000) to the economic and socialdevelopment of our community.

Local Initiatives - Mise à l'eau des cages 2007 - Ordre du Mérite coopératif Québécois- Club des 50 ans et plus de La Vernière- Club des 50 ans et plus de Cap-aux-Meules- Centre nautique L'Istorlet- Symposium de peinture de l'Étang-du-Nord- Fabrique Saint-Pierre de La Vernière- Grosse Ile Leisure Committee- Cap-aux-Meules en Fête- Carnaval Saint-Pierre- Festival du homard de Grande-Entrée- etc.

Regional Initiatives - Coupe Desjardins 2007- Club de Volley Ball Les Éloizes- R.I.C.E.I.M.- Amarres et Voilures- Musée de la mer- Centre Alfred Gallant inc.- Ligue Navale des Îles- Aérogare des Îles-de-la-Madeleine (25e)- Admare- La Mouvée- Coopérative jeunesse de services- Au Vieux Treuil- Festival Images en vue- Châteaux de sable- Les Plaisanciers du Havre- etc.

Community Development Fund Initiatives- Comité des loisirs de Cap-aux-Meules- Ristourne Jeunesse- Attention FragÎle- Entraide communautaire des Îles- Paroisse anglicane des Îles- Corporation du développement portuaire de l'Anse de l'Étang-du-Nord- Administration portuaire du Havre de pêche de Grande-Entrée- etc.

That is tangible proof of our distinct cooperative nature.