SECURE, INSURED DEPOSITS

The Deposit Insurance Corporation of Ontario (DICO) is a provincial entity that provides deposit insurance protection for Members of Ontario Credit Unions and Caisses Populaires. Each depositor in the Credit Union is insured to a maximum of $100,000 for the combined principal, interest, and dividends relating to that Member's total deposits.

Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund (RRIF) or Home Buyers Plan (HBP) contracts and unique trust or joint accounts are separately insured up to $100,000 per contract or account.

DICO does not insure the following:
· share capital, including membership shares
· deposit accounts not in Canadian currency
· Mutual Funds offered through Credential Asset Management Inc.
· any investment of a registered savings plan that are not deposits·

For detailed information about your deposit protection coverage visit http://www.dico.com/DICOpublic.nsf/Main/Brochure2003English?OpenDocument

LIFE INSURANCE

All membership share and life insured savings accounts are life insured at no charge to the member.

For members up to 54 years of age, these accounts are 100% life insured up to $4,000. Deposits made by members 55-70 are insured in lesser proportions.

The beneficiaries are entitled to this insurance provided that the money remains on the account. Although the maximum life insured amount is $4,000, there is no limit on the amount that can be deposited.