INVESTMENT SERVICES

• Term Deposits

• High return investment you can count on! When you invest your hard earned savings, you want the best return you can possibly get.
• You want a secure investment that you do not have to worry about.
• That is what term deposits at your Credit Union are all about.
• You will get high interest rates that are competitive plus the peace of mind in knowing that your investment is solid and secure.
• Flexibility is one of the big advantages you enjoy when you invest your money in a Credit Union Term Deposit. And of course we will help you select the best terms for your particular needs… it can be anywhere from one month to five years.
• Interest rates on term deposits are guaranteed for the length of the term.

• Investment Options Include

• Redeemable or Non-Redeemable.
• Investment lengths from as short as 30 days to as long as 5 years.
• Interest payments are made annually or at maturity.
• Term deposits can be held as security for loans from us.

Upon maturity of a term deposit, the term deposit shall be automatically renewed for a similar term at the interest rates applicable at the time of renewal unless otherwise instructed by you.

• Registered Plans

• Two options give you control of your investment dollars! Investing today for a better tomorrow is easy with a Credit Union Registered Plan. With two distinct retirement plans to choose from, you control how your retirement savings are invested.
• Registered Retirement Savings Plan (RRSP)
• A Credit Union RRSP gives you two investment options, variable rate and fixed rate.
• Interest rates in the variable plan are reviewed regularly and adjusted accordingly, so the rates you're earning are always among the best available.
• Choose from Variable Rate or Fixed Rate plans.
• The Fixed Rate plan guards against possible falling interest rates, while your earnings continue to grow at today's top rates.
• Interest rates can be fixed for as long as 5 years.
• An RRSP may be purchased any time throughout the year. All RRSP funds must be rolled over to a RRIF before the end of the calendar year in which your 69th birthday occurs, or any chosen age previous.
• Registered Retirement Income Fund (RRIF)
• With a Credit Union RRIF, you can continue to defer taxes and maintain maximum control over your retirement investment.
• All you do is convert your RRSP savings into a vehicle to provide you with a regular income… the RRIF.
• Your Credit Union offers a variety of Fixed Rate and Variable Rate RRIFs, all at competitive interest rates to assure you maximum return on your retirement income investment.
• You will receive a statement on your Registered Plans annually on December 31.
• Other Options Available
• On both of our Registered Plans we also have an Index-Linked Deposits and Mutual Funds*.
• If you are interested in Index-Linked Notes, please come into our office and we can answer any questions you may have.
• If you are interested in mutual funds, please come into our office and speak with a Credential Asset Management Inc. Mutual Funds Investment Specialist.
• You will receive a statement on your Registered Plans detailing all transactions up until December 31st.

*Mutual funds are offered through Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutal fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Credential® is a registered mark owned by Credential Financial Inc. and is used under licence.

Mutual Funds are offered through Credential Asset Management Inc.

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