Starring: Freedom of Choice

  Do you deal with more than one caisse? As of today, there's no need to go to the counter.
  Using one or another of your Desjardins Multiservices cards, now you can handle your
  everyday transactions via the self-service mode at the automated teller machine and by
  Internet-Acc?sD1 for all accessible accounts at all your caisses. It's simple, practical, less
  expensive and secure. In short, multicaisse members have multiple advantages!

  Check Your Screens

  The new ATMs and your personal computer will automatically display the names of the caisses
  you deal with as well as all your personal or joint folios and accounts 2. With any one of your
  cards, you will be able to perform transactions such as transfers and payments on a line of
  credit between folios of different caisses. All of your Desjardins Multiservices cards will still be
  useful because only the card that grants access to the folio you wish to use will enable you to
  make quick withdrawals at the ATM as well as transactions by direct payment or Interac (at
  ATMs that do not belong to Desjardins).

  Create Your Own Scenario

  Although you are automatically provided with the big picture of all your folios held at all your
  caisses, you have the choice to retain only those which you deal with most often. How? It's
  simple. In the "Update User File" section in Internet Acc?sD, you can change what is displayed
  on your computer and ATM screens. You can also make changes by contacting the
  appropriate caisse.

  Paying Bills: Laughing All the Way

  It's never much fun to pay your bills, but it's a lot simpler when you don't have to use the
  envelope method at an automated teller. The particulars of each bill listed in your "Bill payment
  file" are now accessible on the automated teller screen, no matter what Desjardins
  Multiservices card is used. You can register up to 99 bills3, change the order in which they
  are displayed, and even identify them by a description (eg.: Bell-home and Bell-chalet). It's that
  simple: just present the scenario you like best to one of your caisses.

    1.Acc?sD service by phone will offer the same options at 1 800 CAISSES by early 1999.
    2.The card associated with a joint folio does not provide access to the personal folios of a joint
       holder. A card associated with a child-parent folio or one associated with a proxy folio only
       provides access to that specific folio.
    3.To obtain a list of eligible organizations, ask at your caisse or visit our website at
       www.desjardins.com.