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.

®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.

Mutual funds are offered through Credential Asset Management Inc., a wholly-owned subsidiary of Credit Union Central of Canada. 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 deposits are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer which insures deposits in credit unions. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. 

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.