Credential Disclosure and Mutual Funds Disclaimer 

Affinity Services Group Inc. acts in partnership with Credential Financial 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.

Mutual funds are offered though Credential Asset Management Inc. and mutual funds and other securities are offered though Credential Securities Inc. and Credential Direct®, a division of Credential Securities Inc., which operates as a separate business unit. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service. Please read the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member of the Canadian Investor Protection Fund. OnCourse Portfolios are made available to investors through ®Credential professional located at certain credit unions in Canada.

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.

Financial planning is offered through Credential Asset Management Inc., Credential Securities Inc. and Credential Financial Strategies Inc. which are member companies under Credential Financial Inc.

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.

®Credential, Credential Securities, OnCourse and Credential Direct are registered marks owned by Credential Financial Inc. and are used under licence.