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Credential disclosure and mutual funds disclaimer

Synergy Credit Union acts in partnership with Aviso Wealth Inc. and its related companies to provide you with access to a comprehensive line of investments. We're here to help. We've got plans, tools and expert advice so you can end up with more money now — and for years to come.

Credential Securities, Qtrade Direct Investing, Credential Asset Management Inc. and Credential Financial Strategies Inc. are subsidiaries of Aviso Wealth Inc.

Mutual funds and related financial planning services are offered though Credential Asset Management Inc. Online brokerage services are offered through Qtrade Direct Investing. Mutual funds, other securities and securities related financial planning services are offered though Credential Securities. Qtrade Direct Investing and Credential Securities are divisions of Credential Qtrade Securities 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, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.

Credential Financial Strategies Inc. offers life insurance and investments to members of credit unions and their communities. Your insurance contract will provide details of the coverage available under the plan you choose. Restrictions may apply.

Webpages, articles and other content provided through Credential Asset Management Inc., Credential Securities, Credential Financial Strategies Inc. and Qtrade Direct Investing on this website and related web-pages, are obtained from sources believed to be reliable; however, we cannot guarantee that it is accurate or complete. Content is provided as a general source of information and should not be considered personal investment advice or a solicitation to buy or sell any mutual funds, other securities or financial products. We are not tax advisors and we recommend that clients seek independent advice from a professional advisor on tax related matters. Using borrowed money to finance the purchase of securities involves greater risk than purchasing using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. Please speak personal financial representative before making any financial planning decision or implementing any strategy.

Payment protection disclaimer

Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrollment intake, medical underwriting and claims administration are provided by the employees of CUMIS Services Incorporated. Coverage is governed by the terms and conditions of the creditor’s group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details.

To contact CUMIS, please visit www.cumis.com or call 1-800-263- 9120.
Individual circumstances may vary. You may wish to contact the licensed insurer’s representative or a licensed insurance agent if you need advice about your insurance needs.

Third-party suppliers' registration and trademark disclaimers

®MEMBER CARD and MEMBER CARD Design are registered certification marks owned by Credit Union Central of Canada, used under license.
®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
®The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. *Trademark of Visa Int., used under license
®CUMIS is a trademark of CUMIS Insurance Society, Inc. and is used under license. Insurance is underwritten by Co-operators Life Insurance Company (CLIC).
®Concentra Trust is a registered trademark owned by Concentra Bank and is used under license.
®ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license.
®CIRRUS is a registered trademark owned by Cirrus Systems Inc. and is used under license.
®MAESTRO is a registered trademark owned by Maestro International Inc. and is used under license.
®Trade-mark of Interac Inc. Used under license.
®DING FREE & Design are registered trade-marks of Central 1 Credit Union, used under license.
®Apple is a registered trademark of Apple Inc.
™Google Play and Android are trademarks of Google Inc., used under license.
®2017 Samsung Electronics Canada Inc. All rights reserved. Samsung and Samsung Galaxy are registered trademarks or trademarks of Samsung Electronics Co., Ltd., used with permission.

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