Trademarks 

®ETHICAL FUNDS and ETHICAL and Design are registered trademarks of Ethical Funds Inc.

®MEMBERDIRECT trademark is owned by Credit Union Central of Canada and is used under license.

®CREDENTIAL and CREDENTIAL SECURITIES are registered trademarks owned by Credit Union Central of Canada and are used under license.

^TMCREDENTIAL DIRECT & Design are registered marks and trademarks owned by Ethical Funds Inc. and are used under license.

®INTERAC is a registered trademark owned by Interac Inc. and is used under license.

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

®MEMBERCARE is a registered trademark owned by Credit Union Central of Canada and is used under license.

RESP is used from Human Resources Development Canada, the HRDC does not necessarily endorse or represent any products or services of Heartland Credit Union.

The Weather Network "weather button" is used under permission from theweathernetwork.com.

"CBC.CA" news headlines provided by and used under permission from CBC/Radio-Canada Headlines Service.

Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Direct, a division of Credential Securities Inc., which operates as a separate business unit.  Those companies are members of Credential Group.  Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments.  Please read the prospectus before investing.  Unless otherwise stated, cash balances, mutual funds and other securities are not covered by the 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-CIPF.

MemberCARE® Financial Services is a division of the CUMIS Group of Companies offering
financial planning, life insurance and investments to members of credit unions and their
communities. 

Credential Direct is a division of Credential Securities Inc., and operates as a separate business unit. Credential Securities Inc. is a subsidiary of Credit Union Central of Canada. Unless otherwise stated, cash balances and securities sold are not covered by Canada Deposit Insurance Corporation or by any other government deposit insurer which issues deposits in credit unions. Securities sold are not guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member - CIPF.