1. “Conexus Credit Union” refers to the amalgamated entity resulting from the January 1, 2026 amalgamation of Conexus Credit Union 2006, Cornerstone Credit Union Financial Group Limited, and Synergy Credit Union Ltd. References to legacy brand names are for product-identification purposes only.
2. “Eligible Product” means the following closed-term mortgage products offered by Conexus Credit Union under its legacy credit union brands:

1. 1. the “Value Mortgage” offered under the Conexus brand; 
   2. the “Simplicity Insured” mortgage offered under the Synergy brand; and 
   3. the “Straight Rate” mortgage offered under the Cornerstone brand.

3. Membership Eligibility.

This Promotion is available only to individuals who are, or who become, members of Conexus Credit Union and who satisfy all applicable membership and account-opening requirements.

4. Eligible Products and Terms.

This Promotion applies only to 2-year closed terms under an Eligible Product. The mortgage must meet all standard lending criteria and the existing qualification requirements for the applicable Eligible Product.

5. Promotional Period and Funding Deadline.

The promotional rate is available only for mortgage applications approved during the period from April 2, 2026 to August 31, 2026  (the “Promotional Period”). The mortgage must be funded within 30 days of the approval date to qualify for the promotional rate.

6. Promotional Rates.

The applicable promotional interest rates for each Eligible Product term are as posted on the applicable Conexus Credit Union, Synergy Credit Union, or Cornerstone Credit Union website, or as otherwise communicated in branch materials, during the Promotional Period. Posted promotional rates are indicative only and are always subject to credit approval, property qualification, and execution of final mortgage documentation. Posted rates and materials do not constitute a binding offer or commitment by Conexus Credit Union to lend at any particular rate.

7. Ineligible Uses and Products.

The promotional rate is not available for financing related to the following items:

1. rental properties;
2. mobile homes;
3. refinancing;
4. home renovation or construction mortgages; 
5. skip payment features;
6. cash back programs; 
7. early renewals; or 
8. any rate guarantee program (including Conexus Credit Union's 120 day rate guarantee).

8. Existing Mortgage Maturities.

If a member’s existing Conexus Credit Union mortgage maturity date falls within the Promotional Period, the member may, at Conexus Credit Union’s discretion, be eligible for the promotional rate on an Eligible Product term, provided all other eligibility requirements are met, the member is approved under Conexus Credit Union’s standard lending criteria, and the new mortgage is funded within 30 days of approval.

9. Standard Documentation and Security.

All standard Conexus Credit Union mortgage documentation, security, insurance, and account requirements apply,

10. No Combination with Other Offers.

Unless otherwise expressly stated in writing by Conexus Credit Union, the promotional rate may not be combined with any other rate discounts,

11. General.

All mortgage applications are subject to credit approval, satisfactory property valuation, and any other standard underwriting requirements of Conexus Credit Union. Conexus Credit Union may amend, extend, or cancel this Promotion, in whole or in part, at any time without prior notice.

12. Governing Law.

This Promotion and these terms and conditions shall be governed by and construed in accordance with the laws of the Province of Saskatchewan and the federal laws of Canada applicable therein. Any dispute arising out of or in connection with this Promotion shall be subject to the exclusive jurisdiction of the courts of the Province of Saskatchewan.