Pe K Your Interest What Companies Make up the S&P
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The S&P/TSX 60 Index tracks sixty foremost companies in leading industries in Canada, providing investors with a broad but manageable index. Candidates for the S&P/TSX 60 Index are evaluated for ample liquidity and efficient share pricing, as well as representation of important industry segments within Canada. Historical Annual PerformanceThe S&P/TSX of the 60 S&P/TSXIndex tracks 60 Indexsixty foremost companies in leading industries in Canada, providing investors with a broad but manageable index. Candidates for the S&P/TSX 60 Index are evaluated for ample liquidity and efficient share pricing, as well as representation of important industry segments within Canada. Historical Annual Performance of the S&P/TSX 60 Index ARE YOU LOOKING FOR AN INVESTMENT WITH A POSSIBILITY TO EARN GREATER RETURNS? EKC’s PE K YOUR INTEREST f 100% protected* — by CUDIC The S&P/TSX 60 Index tracks sixty foremost companies in leading industries in Canada, providing investors with a broad index-linked term deposit is an f principal investment is guaranteed but manageable index. Candidates for the S&P/TSX 60 Index are evaluated for ample liquidity and efficient share pricing, as well as representation of important idealindustry option segments forwithin you Canada. if you want f RRSP, Non Registered and TFSA eligible to potentially earn greater f 3 and 5 year terms (non-redeemable) Historical Annual Performance of thereturns S&P/TSX from 60 Index the stock market f $1,000 minimum investment PE K YOUR INTEREST without risking your principal f no fees and no commissions investment. f local — the money invested by members goes back to our community index-linkedSource: term theglobeandmail.com deposit – Apr 14, 2016 in the form of loans and mortgages S&P/TSX 60 Index Sector Weightings Examples: Each example starts with the principal amount of $1,000 with the Index starting value at 450. WHAT COMPANIESThree -yearMAKE example: UP THE S&P/TSX 60? Source: theglobeandmail.comThe average of the monthly values – ofFeb the S&P/TSX 12, 2016 60 Index over the term of the deposit is 500. The Participation Rate is 50%. The S&P / TSX 60 Index tracks the combinedAt the maturity share date of the depositvalue the investor of will60 receive: of the foremost companies in the [(500 - 450)/450] = .1111 leading industries in Canada, as traded on the Toronto Stock Exchange. .1111 X .50 (Participation Rate) X $1,000 = $55.55 plus the original principal amount of $1,000. Source: theglobeandmail.com – Apr 14, 2016 The rate of return based on the exact term of the deposit is 1.82%. S&P/TSX 60 Index Sector Weightings Five-year example: S&P/TSX 60 Index Sector Weightings The average of the monthly values of the S&P/TSX 60 Index over the term of the deposit is 550. The Participation Rate is 100%. At the maturity date of the deposit the investor will receive: [(550 - 450)/450] = .2222 .2222 X 1.00 (Participation Rate) X $1,000 = $222.22 plus the original principal amount of $1,000. The rate of return based on the exact term of the deposit is 4.10%. For both the three-year and five year deposits, should the average of the monthly values of the Index be lower than the Start Value of the Index, the Return on the Index-Linked Term Deposit will be 0.00% and the investor will receive only their principal investment back at maturity. S&P/TSX 60 Index The S&P/TSX 60 Index tracks sixty foremost companies in leading industries in Canada, providing investors with a broad but manageable index. Candidates for the S&P/TSX 60 Index are evaluated for ample liquidity and efficient share pricing, as well as representation of important industry segments within Canada. The S&P/TSX 60 Index provides economic diversity over ten market sectors. These include Materials, Industrials, Telecommunication Services, Consumer Discretionary,Source: Consumer spindices.com Staples, Energy, Financials, – Mar Health 31, 2016Care, Information Technology, and Utilities. S&P/TSX 60 INDEX April 15, 2016 (Source: www.tmxmoney.com) Source: spindices.com – Mar 31, 2016 S&P/TSX 60 INDEX Symbol Company Symbol Company Source: spindices.com – Mar 31, 2016 AEM Agnico-Eagle Mines GIL Gildan Activewear AGU Agrium G Goldcorp Inc. The S&P/TSX 60 Index tracks sixty fore- ATD.B Alimentation Couche-Tard HSE Husky Energy ARX ARC Resources Ltd. IMO Imperial Oil most companies in leading industries in BMO Bank of Montreal IPL Inter Pipeline Canada, providing investors with a broad BNS Bank of Nova Scotia K Kinross Gold ABX Barrick Gold Corp. L Loblaw Companies but manageable index. Candidates for BCE BCE Inc. MG Magna International the S&P/TSX 60 Index are evaluatedSour force: spindicesBB .comBlackBerry – Jan Limited29, 2016 MFC Manulife Financial BBD.B Bombardier Inc. MRU Metro Inc. ample liquidity and efficient share pricing, BAM.A Brookfield Asset Management NA National Bank of Canada as well as representation of important CCO Cameco Corp. PPL Pembina Pipeline Corp. CM Canadian Imperial Bank of Commerce POT Potash Corp. of Saskatchewan Symbol Company Symbol Company industry segments within Canada. CNR Canadian National Railway POW Power Corp of Canada CNQ Canadian Natural Resources QSR Restaurant Brands Intl. CP Canadian Pacific Railway RCI.B Rogers Communications 22876027.1 The S&P/TSX 60 Index provides eco- CTC.A Canadian Tire Corporation RY Royal Bank of Canada nomic diversity over ten market sectors. CVE Cenovus Energy SAP Saputo Inc. GIB.A CGI Group SJR.B Shaw Communications These include Materials, Industrials, CSU Constellation Software SLW Silver Wheaton Telecommunication Services, Consumer CPG Crescent Point Energy SNC SNC – Lavalin Group DOL Dollarama Inc. SLF Sun Life Financial Inc. Discretionary, Consumer Staples, Energy, ELD Eldorado Gold SU Suncor Energy Financials, Health Care, Information EMA Emera Inc. TCK.B Teck Resources ENB Enbridge Inc. T TELUS Corp. Technology, and Utilities. ECA EnCana Corp. TRI Thomson Reuters FM First Quantum Minerals TD Toronto-Dominion Bank FTS Fortis Inc. TRP TransCanada Corp. April 15, 2016 FNV Franco-Nevada VRX Valeant Pharmaceuticals Intl. (Source: www.tmxmoney.com) WN George Weston YRI Yamana Gold Inc. This Index-Linked Term Deposit is not sponsored, endorsed, sold or promoted by Standard & Poor’s, a division of The McGraw-Hill Companies, Inc. ("S&P”) or the Toronto Stock Exchange (“TSX”). S&P and the TSX make no representation or warranty, express or implied, to the owners of this deposit or any member of the public regarding the advisability of investing in securities generally or in these deposits particularly or the ability of the S&P/TSX 60 Index to track general stock market performance. S&P’s and the TSX’s only relationship to the Credit Union is the sublicensing of certain trademarks and trade names of S&P and the TSX and/or of the S&P/TSX 60 Index, which is determined, composed and calculated by S&P without regard to the Credit Union or the deposits. S&P EKCCU.COM andCRANBROOK the TSX have no obligation • ELKFORD to take the needs •of theFERNIE Credit Union • or theSPARWOOD owners of the deposits into consideration in determining, composing or calculating the S&P/TSX 60 Index. S&P and the TSX are not responsible for and have not participated in the determination of the timing of the issue of the deposits, prices at which the deposits will be issued, or quantities of the deposits to be issued, or in the determination or calculation of the equation by which the deposits are to be converted into cash. S&P and TSX have no obligation or liability in connection with the administration, marketing or trading of the deposits. S&P AND THE TSX DO NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE S&P/TSX 60 INDEX OR ANY DATA INCLUDED THEREIN, AND S&P AND THE TSX SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. S&P MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY THE CREDIT UNION, OWNERS OF THE DEPOSITS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P/TSX 60 INDEX OR ANY DATA INCLUDED THEREIN. S&P AND THE TSX MAKE NO EXPRESS OR IMPLIED WARRANTIES OR CONDITIONS, AND EXPRESSLY DISCLAIM ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY, MERCHANTABLE QUALITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE S&P/TSX 60 INEX OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL S&P OR THE TSX HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. 22876027.1 ARE YOU LOOKING FOR AN INVESTMENT WITH A POSSIBILITY TO EARN GREATER RETURNS? EKC’s PE K YOUR INTEREST f 100% protected* — by CUDIC index-linked term deposit is an f principal investment is guaranteed ideal option for you if you want f RRSP, Non Registered and TFSA eligible to potentially earn greater f 3 and 5 year terms (non-redeemable) returns from the stock market f $1,000 minimum investment PE K YOUR INTEREST without risking your principal f no fees and no commissions investment. f local — the money invested by index-linked term deposit members goes back to our community index-linked term deposit The S&P/TSX 60 Index tracks sixty foremost companies in leading industries in Canada, providingin the form investors of loans andwith mortgages a broad but manageable index. Candidates for the S&P/TSX 60 Index are evaluated for ample liquidity and efficient share pricing, as well as representation of important industry segments within Canada.