Trademarks and Copyrights Protected

All materials published or otherwise accessible through Your Neighbourhood Credit Union Online Banking (the "Service"), including, but not limited to, transactional and historical financial data, text, photographs, images, illustrations, audio clips, video clips, software and other materials (the "Content") are protected by copyright, and are owned or controlled by Your Neighbourhood Credit Union (" Your Neighbourhood Credit Union"), any others which may own copyright or the party credited as the provider of the Content. All visitors shall abide by all additional copyright notices, information and restrictions contained in any Content accessed through the Service.

The Service is protected by copyright as a collective work and/or compilation, pursuant to Canadian copyright laws, international conventions, and other copyright laws. Any reproduction, modification, publication, transmission, transfer, sale, distribution, performance, display or exploitation of any of the Content or Service, whether in whole or in part, without the express written permission of Your Neighbourhood Credit Union is prohibited.

Notwithstanding the above, visitors may download or copy the Content and other downloadable items displayed on the Service for personal use only, provided that visitors maintain all copyright and other notices contained in such Content.

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, trade marks or service marks belonging or licensed to Your Neighbourhood Credit Union.

ACCULINK is a registered Trademark owned by Credit Union Central of Canada and is used under license.

CIRRUS is a registered Trademark owned by Cirrus Systems Inc. and is used under license.

CREDENTIAL and CREDENTIAL SECURITIES are registered marks owned by Aviso Wealth Inc. and are used under license.

Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Qtrade Securities Inc. Those companies are subsidiaries of Credit Union Central of Canada and make their services available at branches of credit unions and associated financial services organizations. Cash balances and securities sold, unless you are informed to the contrary with respect to a specific security, are not guaranteed and are not insured by any government or other deposit insurer which insures deposits in credit unions. Important information about a mutual fund is contained in its simplified prospectus. Please obtain a copy from Credential Asset Management or Credential Securities and read it carefully before investing. Unit values and investment returns will fluctuate. Credential Securities is a Member-CIPF.

ETHICAL, ETHICAL FUNDS & Do the Right Thing Design are trademarks of Ethical Funds Inc.

HANDS AND GLOBE and Design are a Canadian certification mark owned by World Council of Credit Unions, Inc., used under license by Credit Union Central of Ontario, and used by Your Neighbourhood Credit Union under sub-license.

ICU is a registered certification mark owned by Credit Union Central of Canada and is used under license.

INTERAC and INTERAC & Design are trademarks owned by Interac Inc. Your Neighbourhood Credit Union is an authorized user of the trademarks.

MASTERCARD is a trademark owned by Mastercard International Incorporated, and is used under license.

MAXIMIZER CHEQUING Design is a registered certification mark owned by Credit Union Central of Canada and is used under license.

MEMBER CARD, MEMBER CARD and Design and CUIS are trademarks owned by Canadian Credit Union Association, and used by Your Neighbourhood Credit Union under sub-license.

PLUS SYSTEM and PLUS & Design are trademarks owned by Visa International Service Association, and are used under license.

STRICTLY BUSINESS Design is a registered certification mark owned by the Credit Union Central of Canada and is used under license.

Links to Websites outside this Website are meant for convenience only. No endorsement of any third party products or services is expressed or implied by any information, material or content referred to or included on, or linked from or to this Website.

When you access a non-Your Neighbourhood Credit Union Website, please understand that it is independent from Your Neighbourhood Credit Union, and that Your Neighbourhood Credit Union has no control over the content of that Website. In addition, a link to a non-Your Neighbourhood Credit Union Website does not mean that Your Neighbourhood Credit Union endorses or accepts any responsibility for the content, or the use of such Website. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature. In no event will Your Neighbourhood Credit Union be liable to any party for any direct, indirect, special or other consequential damages for any use of this Website, or any other hyperlinked Website, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.

This Website (excluding linked websites) is controlled by Your Neighbourhood Credit Union from its offices within the Province of Ontario, Canada. By accessing this Website, you and Your Neighbourhood Credit Union agree that all matters relating to access to, or use of, this Website shall be governed by the Province of Ontario and the laws of Canada, without regard to the conflicts of laws principals thereof. You and Your Neighbourhood Credit Union also agree and hereby submit to the exclusive personal jurisdiction and venue of the courts of the Province of Ontario with respect to such matters.

All rights not expressly granted herein are reserved.

The Declaration of Trusts/Terms and Conditions documents for RSP, RIF and TFSA Annuitants and Holders was amended and updated by our Registered Plan’s Trustee and approved by CRA. Please download, print, or save a copy of these documents, based on what you hold personally as per the list below:

• RSP Declaration of Trust – for RSP, LIRA, Spousal RSP

• RIF Declaration of Trust – for RIF, LIF, Spousal RIF

• TFSA Declaration of Trust – for TFSA

For questions or assistance, please contact us or visit your branch.