the cooperative difference - desjardins · 2015-04-17 · distinction coopérative desjardins group...

A cooperativeAT THE HEART OF ITS COMMUNITY !

THE COOPERATIVEDIFFERENCEat Caisse Desjardins du Lac-Memphrémagog

Distinction coopérative

DEMOCRACY

SOLIDARITY

EQUALITY

EQUITY

RESPONSIBILITY

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MISSION

The mission of the Caisse Desjardins du Lac-Memphrémagog is to be a cooperative, innovative and successful partner, present at each stage of life of its members and actively involved in the well-being of its community.

Cooperative values are at the core of your Caisse’s existence and of its management practices:

Your caisse Desjardins at a glance:

• 33,920 members• 95 employees to serve you• 19 elected managers• 1 young intern offi cer• 11 ATMs and 1 ATM in $US• 5 Service Centres• Desjardins Business Centre• The community’s premier fi nancial

institution • A committed co-op• $6,170 given to the community

everyday

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Caisse Desjardins du Lac-Memphrémagog

Community DevelopmentCommittee

Board of Supervision

Young internOfficer

WealthManagement

Investment and financingManagement

Performance SupportManagement

Member ServicesManagement

33,920 Owners-members*

Board of directors

General Manager

ORGANIZATION CHART

* RIGHT TO VOTE AT 18 YEARS OF AGE

SERVICES FOR INDIVIDUALS AND BUSINESSES

• Investments• Financial planning• Portfolio diversifi cation• Retirement analysis• Market securities brokerage• Insurance• Private management• Desjardins Business Centre

YOU CAN BECOME AN OFFICER

All adult members can become an offi cer of their caisse. To do so, they have to submit their candidacy and be elected by the other members during the annual meeting.

Are you between 18 and 30 years of age? If so, you may also take part in the Young Intern Offi cer Program off ered at the Caisse and complete an internship as an offi cer.

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Desjardins Group overview:

• Top cooperative fi nancial group in Canada

• Ranked fi rst among North America’s Strongest Banks and second in the World

• The largest private employer in Quebec with 45,966 employees

• Almost $1M given back daily to the Community

• One of the most diversifi ed service off erings in the country

ADVANTAGES FOR YOU AND YOUR COMMUNITY

Since it is a co-op, the Caisse can distribute part of the surplus accumulated during the fi scal year among its members in form of member dividends.

• Individual member dividends are paid in cash.

• Collective member dividends are paid into the Community Development Fund (CDF) to support local initiatives.

Since fi ve years, the Caisse has paid: • $7,86 million in individual member dividends; • $1,85 million to the Community Development Fund;• $340,540 in donations and sponsorships.

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COOPERATING IN THE MEMBERS’ FINANCIAL SELF-SUFFICIENCY

The Caisse off ers convenience services in 8 senior citizen homes located in Magog in order to allow elderly to manage their personal fi nances.

In 2014, 60 Caisse members were granted a second chance after asking the Board of Directors to keep their account open despite bounced cheques and overdrawn accounts.


COMMUNITY DEVELOPMENT FUND

The Community Development Fund (CDF) is a collective dividend, the amount of which is decided each year at the annual general meeting of the Caisse by its members.

• Arts and culture • Cooperation• Economic development

INITIATIVES SUPPORTED IN VARIOUS SEGMENTS:

IN 2014, $413,230 WERE GIVEN TO MORE THAN 30 ORGANIZATIONS.

DESJARDINS SCHOOL RETENTION FUND

• Education • Humanitarian work and community services • Health

Cirque des étoiles Memphrémagog

Desjardins Magog Perseverance Team

(Grand défi Pierre Lavoie)

FondationChristian Vachon

Phelps Helps

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FUNDS FOR MAJOR EVENTS

OTHER FIELDS OF ACTIVITY

• Correspondances d’Eastman• Eastman en blues • Fête des Neiges de Magog• Fête des Vendanges Magog-Orford • Traversée internationale du lac Memphrémagog • TriMemphré• XMan Race (Mount Orford)

• Carrefour de solidarité internationale• Coop Santé d’Eastman• Corporation jeunesse Memphrémagog• Desjardins Youth Work Experience• École Montessori Magog• École primaire des Deux-Soleils• Fondation Desjardins – Scholarships• Fondation de l’Hôpital de Memphrémagog• Fondation la Ruche – Sports Center• Fonds d’entraide Desjardins

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• Filles d’Ariane• Han-Logement• LAMRAC – Marsh interpretation Center

and Marsh Gardens project• Magog Youth Services co-op• Maison Aube-Lumière• Maison de la famille Memphrémagog• Maison Soleil de Mansonville• Mount Orford economic revival fund• Municipalité de Saint-Étienne-de-Bolton

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• Municipalité de Sainte-Catherine-de-Hatley

• Pat Burns Arena• Scholarships• Stanstead Welcome Policy• Sunnyside Elementary school• Youth member dividends

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Photo : CSSS Memphrémagog

Photo : Marco Bergeron Photo : QuébecStockimages / Marco Bergeron

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Photo : CSSS de Memphrémagog

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JE COOP MON PROJET! CONTEST

In order to recognize and promote new achievements and projects of organizations and groups in our area, the Caisse created the Je Coop mon projet! contest in 2014. The 3 fi nalists were presented at the Caisse’s Annual General Meeting 2014.

PROCESSING OF REQUESTS

Major requests for support from the CDF as well as major applications for donations and sponsorships are submitted to a committee comprised of fi ve Caisse managers and one Caisse employee. Over the course of 2014, the members of the committee held 9 meetings during which they processed 36 requests in compliance with the Financial Support Policy of the Caisse.

The Accro-Parc du Cirque des étoiles, an open-air recreation centre for acrobatic sports and various circus workshops suitable for the whole family, was elected the grand prize winner by the members.

For more information about the CDF and its eligibility criteria, please check our Financial Support Policy at desjardins.com/caissedulacmemphremagog or contact your Cooperation and Communications Advisor:

Émilie Cottineau819 843-3328 ext.: [email protected]

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DONATIONS AND SPONSORSHIPS

In 2014, thanks to its donation and sponsorship program, your caisse gave $59,750 and supported more than 50 organizations active in many areas.

* An award plaque was given to the Caisse thanks to its 20 years of involvement.

$59,75050 organizations

PRÊT À REDONNER 2014 PROGRAM

Thanks to the special contribution by Desjardins Insurrance, the Caisse handed out:

• $4,800 to the Memphremagog food bank for its lunch box project;

• $825 to la Fondation Christian Vachon which works for academic success by providing assistance to children in need.

Centre d’arts Orford

Arts and culture

Relais pour la vie de Magog Pair program * Club de soccer de Magog

Health Help and solidarity Sports with the youth

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HUMAN INVOLVEMENT AT THE HEART OF OUR ACTIONS To be a major player in the development of our community, the Caisse does not limit itself to fi nancial contributions. It is humanly involved in the region, thanks to the commitment of its employees and administrators.

THE ESCOUADE D

In 2014, 65 administrators and employees took part in one of the 20 activities of the Escouade D. A total of 740 hours of volunteer work were devoted to supporting the organizations and activities in our region.

DESJARDINS FOUNDATION PRIZES - VOLUNTEER INVOLVEMENT

Mrs. Nancy Lafontaine (employee) and Mr. Maxime Ferland (director) are the two recipients, at our caisse, which were each awarded $1,000 to give to a non-profi t organization of their choice:

• La Fondation Christian Vachon; • Le Comité provincial des adultes fi bro-kystiques.

48-HOUR RIDE MAKE-A-WISH

The employees of the Caisse personally organized two teams of cyclists for the 48 hour ride for the make-a-wish foundation and raised $13,600 to make a dream come true for a sick child from our region.

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« PAY IT FORWARD » ACTIVITY

The employees, directors and members of the Caisse showed great solidarity during the Cooperation week by establishing a large food drive for the Memphremagog food bank. It is 166 kg of food that was raised, which represents an amount of $730.

MARATHON DE MAGOG

Over twenty employees and directors took part in the Marathon de Magog which raises funds for la Fondation de l’Hôpital de Memphrémagog.

AT THE CAISSE, SOME EMPLOYEES ARE INVOLVED IN DIFFERENT COMMITTEES:

• Carrefour jeunesse-emploi Memphrémagog• Comité Pair de la MRC de Memphrémagog• Magog Youth Services Co-op

• Fondation la Ruche• Table jeunesse socio-économique Memphrémagog

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MEMBER ADVANTAGES, TAILORED FOR YOUTH

IN SCOLARSHIPS

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$15,000scholarships were given to students from secondary, college, professional and university levels.

STUDENT CAISSE

12 students managed their own fi nancial cooperative at École secondaire de la Ruche.

SCHOOL CAISSE

Ten elementary schools participated in the School Caisse service this year. Over the year, close to 500 young members made seven or more de-posits, for which they received a $10 youth member dividend.

DESJARDINS-JEUNES AU TRAVAIL

Thanks to a partnership with Carrefour jeunesse-emploi Memphrémagog, the Caisse helped 14 young people achieve their fi rst work experience in 2014.

MAGOG YOUTH SERVICES CO-OP (JOBINADO)

This allowed 15 young people to learn about co-op work and gain initial work experience.

$19,200 $2,000

Fondation Desjardins

Fonds pour la persévérance scolaire

$7,394 $38,000

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SERVICES ACCESSIBLE THROUGHOUT THE TERRITORYTelephone: 819-843-3328Toll Free: 1-866-400-3328

SPEAK TO AN ADVISOR (INCLUDING HOLIDAYS)Monday to Friday, 6 a.m. to 10 p.m.Saturday and Sunday, 8:30 a.m. to 4 p.m.

ACCESS YOUR CAISSE’S SERVICES 24/7

desjardins.com 1-800-CAISSES m.desjardins.com

ATMs and direct withdrawals at merchants

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MAGOG SERVICE CENTRE1860, RUE SHERBROOKE, MAGOG

EASTMAN SERVICE CENTRE12, RUE LAPOINTE, EASTMAN

HEAD OFFICE230, RUE PRINCIPALE OUEST, MAGOG

STANSTEAD SERVICE CENTRE12, CHEMIN DE FAIRFAX, STANSTEAD

MANSONVILLE SERVICE CENTRE342, RUE PRINCIPALE, MANSONVILLE

desjardins.com/caissedulacmemphremagogdesjardins.com/advantages

HEAD OFFICE230, rue Principale Ouest, Magog J1X 2A5

MAGOG SERVICE CENTRE1860, rue Sherbrooke, Magog J1X 2T3

MANSONVILLE SERVICE CENTRE342, rue Principale, C.P. 9,Mansonville J0E 1X0

EASTMAN SERVICE CENTRE12, rue Lapointe, C.P. 240, Eastman J0E 1P0

STANSTEAD SERVICE CENTRE12, chemin de Fairfax, Stanstead J0B 3E0

DESJARDINS BUSINESS-ESTRIE, MEMPHREMAGOG OFFICE230, rue Principale Ouest, Magog J1X 2A5 Téléphone : 819-847-0007Sans frais : 1-877-991-0007

MAGOG SERVICE CENTRE

EXTENDED HOURS | OPEN ON SATURDAY

the cooperative difference - desjardins · 2015-04-17 · distinction coopérative desjardins group...

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