Pre-subscription

If you're a Quebec taxpayer, pre-subscription allows you to let us know you're interested in buying CRCD shares.

This period ended on September 23, 2025, at 4 PM for the 2025 share issue.

Purchase process

If demand exceeds the authorized amount, investors who submitted a pre-subscription application will be selected at random.

The random selection was held on October 1, 2025, for the 2025 share issue. Investors were notified of the next steps.

FAQ - New Features

Subscription

The authorized amount is $150 million for the 2025 share issue. Since all applicants have been able to buy shares, remaining shares will be issued on a first-come, first-served basis.

If you're a Desjardins member, whether you're a CRCD shareholders or not, you will be able to subscribe directly online via AccèsD.

Subscribe online

Investors who do not use AccèsD or wish to obtain financial advice or support should contact a Desjardins caisse.

Find a caisse

Reasons to invest

• You have a high taxable income
• You've maxed out your RRSP contributions
• You're looking for ways to reduce your tax bill
• You want to diversify your portfolio
• You want an attractive tax credit and long-term return potential
• You want to contribute to regional socioeconomic development

Product features

• Available to all Quebec taxpayers (deemed residents of Quebec as at December 31 for tax purposes) over 18 years of age, whether Desjardins members or not
• Minimum annual purchase of $500 (and in units of $100 after that) up to a maximum of $5,000
• Non-refundable Quebec tax credit of 25% of the amount invested
• Tax credit may be transferred between spouses, but cannot be carried forward to a subsequent tax year
• Minimum holding period of 7 years, with a maximum duration of 14 years for shares acquired after March 1, 2025
• Lifetime subscription limit of $45,000 on the cost of personally acquired shares, regardless of their current market value
• Investment is independent of workers’ funds (which means investors can subscribe for shares in a workers’ fund as well as shares of CRCD)
• Not eligible for TFSAs, FHSAs, RRSPs, RRIFs or any other registered plan
• Return not guaranteed, possibility of capital gains or losses at redemption
• After redeeming shares, you can't claim a tax credit for the current tax year or any future subscriptions.
• Administrative charges of $50 (taxes included) required when opening and closing an account

Note
CRCD shares are not guaranteed. Their value and returns vary, and past performance is not indicative of future returns. Investment fees may apply. Please read the prospectus before investing.