Credential disclosure and mutual funds disclaimer

Mutual funds are offered though Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. There can be no assurances that the money market fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated.

Ethical Funds® are sold in all provinces and territories across Canada. However, Credit Union affiliates, such as Vancity, may not have representatives in all provinces or territories. ®Ethical Funds is a registered mark owned by Ethical Funds Inc. and is used under licence

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

Financial planning is provided by Squamish Savings a division of Vancouver City Savings Credit Union; Credential Asset Management Inc. does not offer financial planning services.