Effective July 1, 2015 SERVICE CHARGES ON FINANCIAL SERVICES FOR BUSINESSES

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1 Effective July 1, 2015 SERVICE CHARGES ON FINANCIAL SERVICES FOR BUSINESSES

2 TABLE OF CONTENTS Per s 2 Regular transactions (Accounts and Plans) Additional services International services Commercial Business Financing 8 Operating line of credit Business term loan Financing for Real Estate Investors 10 Notes 10 Simple Tips for Saving Time and Money 11 Customized Schedule 13

3 PER TRANSACTION FEES REGULAR TRANSACTIONS CHEQUING ACCOUNT Monthly management fee $7 or no management fee if average monthly balance is $2,000 or higher Encoded cheques $1.00 Withdrawal Counter $1.00 ATM $0.85 ATM outside Canada (Plus* network) $3 Deposit 1 Counter $1.00 ATM $0.85 Direct deposit $0.80 Cash bills $2.15/$1,000 unsorted bills $2.50/$1,000 coins $2.15/$100 item deposited $0.20 Direct payment $0.80 Bill payment Counter (including withdrawal charges) $2.25 Counter, VISA* Desjardins credit card $2.25 (including withdrawal charges) Counter, non-member of Caisse $3 ATM without envelope $0.85 AccèsD Affaires (Internet) $0.85 Personalized bill payments $0.90 Preauthorized payment $0.80 Transfer Counter $1.00 ATM $0.85 AccèsD Affaires (Internet) $0.80 Automated transfer $0.80 Automated loan repayment no fee AGRIINVEST ACCOUNT No monthly management fee For user fees, see Chequing account section 1

4 PER TRANSACTION FEES REGULAR TRANSACTIONS CORPORATE BUILD-UP ACCOUNT (min. balance $20,000) No monthly management fee Interest paid on balances held, based on tiers For user fees, see Chequing account section BUILD-UP ACCOUNT IN US $ No monthly management fee Encoded cheques $1.00 Withdrawal at counter only $1.00 Deposit at counter only $1.00 All unspecified transactions are charged the fee for chequing accounts in US dollars AUTOMATED SERVICES AccèsD Affaires Internet (Monthly fee) 2 - Basic offer $0 - Intermediate offer $ Optimum offer $29.95 s $0.80 Personnalized bill payments $0.90 Government remittance $2 Direct deposit or withdrawal Registration fees $100 Use fee $12 min. fee or $0.25/transaction REGULAR TRANSACTIONS SimpliciD plans Monthly 10 $ automated transactions 4 Unlimited deposits at Caisse point-of-sale terminals AccèsD Affaires 2 Virtual monthly statement (virtual cheques and other items returned or not) Charge per item deposit 1 15 $ automated transactions 4 Unlimited deposits at Caisse point-of-sale terminals AccèsD Affaires 2 Virtual monthly statement (virtual cheques and other items returned or not) Charge per item deposit 1 Bank confirmation (AccèsD Affaires) 2

5 REGULAR TRANSACTIONS SimpliciD plans Monthly 30 $ automated transactions 4 Unlimited deposits at Caisse point-of-sale terminals AccèsD Affaires 2 Virtual monthly statement (virtual cheques and other items returned or not) No charge on deposits up to: 15 items, $3,000 in bills and $100 in coin 1 Night deposit Bank confirmation (AccèsD Affaires) 55 $ automated transactions or at counter Unlimited deposits at Caisse point-of-sale terminals AccèsD Affaires 2 Virtual monthly statement (virtual cheques and other items returned or not) No charge on deposits up to: 40 items, $8,000 in bills and $100 in coin 1 24-hour deposit Bank confirmation (AccèsD Affaires) 75 $ automated transactions or at counter Unlimited deposits at Caisse point-of-sale terminals AccèsD Affaires 2 Virtual monthly statement (virtual cheques and other items returned or not) No charge on deposits up to: 40 items, $8,000 in bills and $200 in coin 24-hour deposit Bank confirmation (AccèsD Affaires) 100 $ automated transactions or at counter Unlimited deposits at Caisse point-of-sale terminals AccèsD Affaires 2 Virtual monthly statement (virtual cheques and other items returned or not) No charge on deposits up to: 70 items, $8,000 in bills and $200 in coin 24-hour deposit Bank confirmation (AccèsD Affaires) VISA Desjardins Business Freedom Solutions option 5 For only $11.50 a month, add the VISA Desjardins Business Freedom Solutions option to your SimpliciD 15, 30, 55, 75 or 100 plan. 3

6 PER TRANSACTION FEES REGULAR TRANSACTIONS Community plan Monthly Exclusive offer for non-profit humanitarian organizations ** Community plan $2, transactions: 3 teller transactions 22 automated transactions Deposit type: 50 instruments, $5,000 in notes, $500 in coins Online statement and free digital cheque images AccèsD Affaires online services (Intermediate offer) Exemption from basic Round-the-Clock Deposit service charges Unlimited number of deposits at Caisse point-of-sale terminal If you maintain a balance of $25,000: transactions double to 50 (3 teller transactions and 47 automated transactions) ADDITIONAL SERVICES Currency supply 1 Bills Coin $0.40 (+ taxes)/100 $0.15 (+ taxes)/roll Business La Populaire Card additional Regular delivery $5 or replacement card Expedited delivery $10 Certified cheque Member $10 Beneficiary $15 Cheque, preauthorized payment or automatic withdrawal related to a loan without sufficient funds $42.50 Balance, charges, interest, transaction or other data confirmation By telephone or at counter $5 Written (standard form or personalized letter) $35/hr Stop payment Counter $13 AccèsD Affaires $12 Partial information or series of cheques $20 Safety deposit box from $40 (+ taxes)/year 24-hour deposit Basic fee $25/account/year Disposable envelopes $31 (+ taxes)/100 env. Rental of reusable bag $45 (+ taxes)/bag/year with keys (where the service is available) Search Hourly fee $35 4

7 ADDITIONAL SERVICES Account statement and passbook Cheque not returned Passbook $2 Paper statement $3 Online statement no fee With paper cheque images Paper statement $5.50 Online statement $5.50 With online cheque images Paper statement $5.50 Online statement $5.50 no applicable fee if the account is paired with a SimpliciD plan Return of a cashed cheque $5 Telephone call $5 Draft or money order (all currencies) $7.50 Closing an account Less than 90 days after opening $20 Requested by another institution $20 Inactive folio after a written notice After 1 year $12 After 2 years $25 After 3 years $45 Transfer Transfer at member s request $0.90 Creation of an automatic transfer $0.90 Modification to automated transfer $0.90 5

8 PER TRANSACTION FEES INTERNATIONAL SERVICES Purchase/sale of foreign currencies other than USD $5 Cashing of traveller s cheques no fee (members only) CASHING OR DEPOSITING A CHEQUE, MONEY ORDER OR DRAFT INTO A CAD ACCOUNT American funds $2.50 Other currencies $12 USD cheque issued on a CAD account $15 MONEY ORDER OR DRAFTS Issued in CAD, USD or other currency $7.50 Photocopy as proof of cashing $10 min., $50 max. Reimbursement or replacement $10 min., $20 max. after loss or theft TRANSFER OF FUNDS 7 Receipt $10 in CAD or USD Investigation $25 min. Sent within Canada Counter $30 min., $50 max. Online with AccèsD Affaires $25 min., $45 max. Sent abroad Counter $40 min., $80 max. Online with AccèsD Affaires $35 min., $75 max. Intercaisse At the counter or online $0.90 DOCUMENTARY COLLECTION Clean item (cheque, letter of $30 min., $200 max. exchange and instrument) (outbound: item worth over C$100) Documentary item $60 min., $275 max. Returned item $50 6

9 INTERNATIONAL SERVICES LETTER OF CREDIT (DOCUMENTARY CREDIT) Import Opening $125 Drawing commission $60 min. or fee schedule Amendment $50 Unused or cancelled credit $60 min., $275 max. Discharge, indemnity, $50 release of goods Consultation $100/hr Mail $25 Telecommunication $20 Export Advising $75 Payment commission Higher of 0.125% or $60 and negotiation Amendment $50 Confirmation variable Unused or cancelled credit $50 min. Draft acceptance at term Higher of 0.125%/30 days or $60 Assignment of proceeds 0.125%, $150 min. Prior notice of issue $25 Documents with discrepancies $50 Transfer of letter of credit 0.25% ($200 min.) Reimbursement fee $100 Consultation $100/hr Mail variable Telecommunication $20 Intercaisse $15 LETTER OF GUARANTEE AND STANDBY LETTER OF CREDIT Issued Opening $125 Commission 0.5% to 2.5% ($100 min.) Amendment $50 Consultation $100/hr Received Advising $60 Amendment $50 Confirmation variable Consultation $100/hr 7

10 COMMERCIAL BUSINESS FINANCING OPERATING LINE OF CREDIT File analysis and setup 8 Line of credit up to $500,000 Line of credit over $500,000 Taking of security interest Security agreement Real estate mortgage 1/2% of authorized amount $225 min. 3/4% of authorized amount 1/4% min. $150/contract plus incurred expenses incurred expenses Monitoring of assets Monitoring of accounts receivable and inventories line of credit up to $100,000 $50/month line of credit over $100,000 $75/month Monthly management fee up to $125 based on for automated service authorized amount Annual renewal and 1/4% of authorized amount monitoring $225 min. Availability fee Line of credit over $500,000 1/4% to 1/2% (on unused portion) Extension of file $50 or $125 depending on analysis Increase during year 1/2% of authorized increase $150 min. Delay in monthly monitoring $25 Additional supervision of file from $50/month Release $75 plus incurred expenses (no fee if the loan is due) Discharge $75 plus incurred expenses Cancellation of any garanties incurred expenses Domestic letter of guarantee 0.5% to 2.5% max. 8

11 BUSINESS TERM LOAN File analysis and setup 8 Loan up to $500,000 Loan over $500,000 1/2% of authorized amount $225 min. 3/4% of authorized amount 1/4% min. Taking of security interest Security agreement $150/contract plus incurred expenses Real estate mortgage incurred expenses Building or equipment appraised incurred expenses by a professional Annual monitoring or periodic revision 1/4% of balance $225 min. Total or partial penalty stipulated prepayment in contract Extension of file $50 or $125 based on analysis Reopening of file 1/2% of authorized amount $150 min. Availability fee (annual) 1/4% of unused credit Written or telephone notice $5 Additional supervision from $50/month of the file Release $75 plus incurred expenses (no fee if the loan is due) Discharge $75 plus incurred expenses Renewal on maturity date no fee Renewal before maturity date $225 plus penalty stipulated in contract Flexi-capital option 1/2 % of authorized amount (file analysis) $225 min. Assumption by a third party 1/2% of balance commercial building $150 min. 9

12 REAL ESTATE FINANCING LOAN RESIDENTIAL RENTAL PROPERTY (a rental property of over 8 units and/or real estate portfolio includes over 12 units) File analysis and setup 1/2% of authorized amount $75 min./door Renewal on maturity date (if no annual monitoring fee 1/4% of balance or periodic revision) $75 min. Renewal before maturity date $150 plus penalty stipulated in contract Reopening of file 1/4% of authorized amount $75 min. Transfer to a third party 1/4% of balance Flexi-capital option $75 or 1/4% (file analysis) of authorized amount Annual monitoring or periodic revision 1/4% of balance OTHER CHARGES Taking of security interest incurred expenses Property appraisal incurred expenses On-site visit By caisse staff $50/visit By a professional incurred fees Total or partial penalty stipulated prepayment in contract Written or telephone notice $5 Additional supervision from $50/month of file Release $75 plus incurred expenses (no fee if the loan is due) Discharge $75 plus incurred expenses Extension of file $50 or $125 depending on analysis 1 The caisse reserves the right to charge additional fees for large deposit volumes or to modify the plan. To exchange cash, additional fees (deposit contents) will be charged for shipping. 2 Varies based on options selected. 3 s subject to change without notice. s for additional transactions range from $1 to $2.50. For SimpliciD 30, 55, 75 and 100, fees of $0.18/item, $2.15/$1,000 in bills and $2.15/$100 in coin will be charged for additional deposits. 4 Teller transactions are not included in SimpliciD10, SimpliciD15 and SimpliciD30 plans (additional fees apply). 5 If the plan includes the VISA Desjardins Business Freedom Solutions option, the cost is billed as follows: $15.50 to your VISA Desjardins Business account and the remainder to your chequing account. 6 The fees in effect apply to additional transactions: $0.80/auto. trans.; $0.90/personalized bill payments; $0.85/teller trans.; $0.90/cheque and $1.00/teller, and to deposits that exceed the limit/deposit type: $0.20/instrument, $2.15/$100 cash and $2.15/$1,000 notes. 7 Plus correspondent fees, if any. s are based on the currency of the account credited. 8 May be up to 1% for more complex files. * The Fédération des caisses populaires acadiennes is an authorized user of these trademarks. ** Some eligibility conditions apply. Check with your caisse or your Financial Business Center to see if your organization qualifies. USD transfers-applicable charges in USD. s will be charged in the currency of the account. 10

13 SIMPLE TIPS FOR SAVING TIME AND MONEY 1 Sign up for AccèsD Affaires. AccèsD Affaires is a practical online financial management tool that lets you perform a wide range of transactions, from paying bills to all your suppliers and managing cash flow to handling international transfers and credit card management, whether from your office, your home or anywhere else. AccèsD Affaires frees you from scheduling and travel constraints and lets you delegate transactions of your choice to your employees while maintaining control of your business. 2 Use Caisses ATMs with the La Populaire Business Card. Automated transactions are faster and less expensive. 3 Automate your bill payments by using direct withdrawal or the computerized account collection service (CACS) to collect from your clients. 4 Subscribe for DIRECT PAYMENT SERVICE to reduce the number and amounts of your deposits. 5 It could be to your advantage to sign up for one of our SimpliciD plans. Talk to your advisor or account manager. 11

14 SIMPLE TIPS FOR SAVING TIME AND MONEY 6 Use Caisses populaires acadiennes Payroll Services. For a low fee, Caisses populaires acadiennes Payroll Services can handle your entire payroll, including deductions at source, with deposits directly into your employees accounts. 7 Use the VISA Desjardins Business card or VISA Desjardins Purchasing card to pay your bills. This will reduce withdrawal and cheque service charges while providing you better control over your expenses, and comes with many other advantages, such as the Business Savings program, which offers 1% cash back on your purchases. NEED MORE INFORMATION? Please contact your Caisse populaire acadienne or your Business Centre. 12

15 CUSTOMIZED FEE SCHEDULE Would a customized fee plan better suit your needs? Do you make a large number of transactions and have savings or loan accounts at your Caisse populaire acadienne? If so, a customized fee schedule may be right for you. For more information regarding customized fee schedules, contact your account manager at your Caisse populaire acadienne or your Financial Business Centre. Disclaimer The Caisse makes every reasonnable effort to ensure the accuracy of the information provided herein. Notwithstanding these efforts the policies, fees, dates or other conditions can be amended at any time and the information contained herein may contain errors or omission. The Caisse does not make any representations or warranties as to the accuracy of the information provided herein and it's your responsibility to verifiy these informations with your Caisse. 13

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