Accuracy and Use of Information: Facts and data provided by Credit Union Central of Canada and other sources are believed to be reliable when posted. Credit Union Central of Canada cannot guarantee that they are accurate or complete or that they will be current at all times. Information on this web site is not intended to provide legal, accounting, financial or tax advice, and should not be relied upon in that regard. Information on this web site does not constitute an offer to buy or sell products, services or units of mutual funds by Credit Union Central of Canada and its affiliates and members. Credit Union Central of Canada, its subsidiaries and members, are not responsible in any manner for direct, indirect, special or consequential damages howsoever caused, arising out of the use of this web site.

Hyperlinks: Sites accessed by hypertext appearing in this Credit Union Central of Canada site have been independently developed by parties other than Credit Union Central of Canada and Credit Union Central of Canada does not guarantee the accuracy of information contained in such sites. The listing of an organization in this site should not be construed as an endorsement of its services or products.

Trademarks and Copyright: Certain words or designs at this website may constitute trade names, trade marks or service marks of Credit Union Central of Canada, and or of other entities used under license by Credit Union Central of Canada. The display of trade-marks at this website does not imply that a license of any kind has been granted.

Any unauthorized down loading, retransmission or other copying or modification of trademarks and/or the contents of this website may be a violation of federal and/or common law trade mark and/or copyright laws. Any infringement of Credit Union Central of Canada’s rights will result in appropriate legal action.

No Change to Existing Agreements: Services and information provided at this website are subject to the terms of existing applicable agreements.

All services described in this site are subject to conditions, exclusions and limitations as established by the provider of service. All information at this website is for your information. Unless otherwise specified, no one has permission to redistribute, reproduce, or republish in any form, any information from this website. Inquiries about permission should be directed to :

® HANDS & GLOBE design is a registered certification mark of the World Council of Credit Unions and is used under license.

® INTERAC & Design are registered Trademarks owned by Interac Inc. Used under license.

® PLUS & Design are registered Trademarks owned by Visa International, Licensed User of the Mark.

® CIRRUS is a registered Trademark owned by Cirrus Systems Inc. and is used under license.

® ACCULINK & Design are registered Trademarks owned by Credit Union Central of Canada.

® ICU is a registered certification mark owned by Credit Union Central of Canada and is used under license.

® MEMBER CARD is a registered certification mark owned by Credit Union Central of Canada and is used under license.

^™ MONDEX is a Trademark owned by Mondex International, used under license by Mondex Canada Global Founder.

® AGRIFINANCE is a registered Trademark owned by Canadian Cooperative Agricultural Financial Services.

® BDC Design is a registered Trademark of the Business Development Bank of Canada.

® FAT CAT Design is a registered certification mark owned by the Credit Union Central of Canada and is used under licence

® HEADSTART Design is a registered certification mark owned by the Credit Union Central of Canada and is used under licence.

® MEMBERDIRECT & Design are registered Trademarks owned by Credit Union Central of Canada, used under licence.

® STRICTLY BUSINESS Design is a registered certification mark owned by the Credit Union Central of Canada and is used under licence.

® HERITAGE CLUB Design is a registered certification mark owned by the Credit Union Central of Canada and is used under licence.

® ETHICAL, ETHICAL FUNDS & Design are registered Trademarks owned by Ethical Funds Inc. and are used under license.

® CREDENTIAL and CREDENTIAL SECURITIES are registered Trademarks owned by Credit Union Central of Canada and are used under license.

® CHOICE REWARDS & DESIGN are registered Trademarks owned by Credit Union Electronic Transaction Services and are used under license.

® CUETS is a registered Trademark owned by Credit Union Central of Canada and is used under license.

® CUMIS is a registered Trademark owned by CUMIS Insurance Society Inc. and is used under license.

®VISA & Design are registered trademarks owned by Visa International

® MasterCard & Design are registered trademarks owned by MasterCard International Incorporated

Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Securities Inc. Those companies are subsidiaries of Credit Union Central of Canada and make their services available at branches of credit unions and associated financial services organizations. Cash balances and securities sold, unless you are informed to the contrary with respect to a specific security, are not guaranteed and are not insured by any government or other deposit insurer which insures deposits in credit unions. Important information about a mutual fund is contained in its simplified prospectus. Please obtain a copy from Credential Asset Management or Credential Securities and read it carefully before investing. Unit values and investment returns will fluctuate. Credential Securities is a Member-CIPF.