Buduchnist Credit Union offers many products and services designed to help you grow your business and preserve your assets.

• Guaranteed investments
  • Term Deposits
  • Guaranteed Investment Certificates (GIC)
• Mutual Funds*
• Full Service Brokerage*
  • Online Trading*
• Financial Planning
• Contact a Credential Securities Inc. Investment Advisor

Term Deposits are well suited for short term goals. The interest rate is guaranteed and there is flexibility to withdraw all or part of your funds prior to maturity.

For a minimum deposit of $1,000, you can choose a term from 30 to 364 days. Interest is paid at maturity. Term deposits are renewed automatically unless otherwise specified.

At Buduchnist Credit Union your deposits are insured by the Deposit Insurance Corporation of Ontario to a total of $100,000 for non-registered accounts and up to $100,000 for each RRSP and RRIF contract. For more information visit the DICO web site at www.dico.com.

GICs keep your investment safe by guaranteeing your rate of return for the term you choose. Our interest rates are competitive and we offer a wide variety of terms.

For a minimum deposit of $1,000, you can choose from terms of 1 to 5 years. Interest is paid annually and/or at maturity. Renewal is automatic unless otherwise specified. GICs are available in both Canadian and U.S. funds and are RRSP, RIF, LIF and RESP eligible.

At Buduchnist Credit Union your deposits are insured by the Deposit Insurance Corporation of Ontario to a total of $100,000 for non-registered accounts and up to $100,000 for each RRSP and RRIF contract. For more information visit the DICO web site at www.dico.com.

For more information on guaranteed investments contact a Financial Services Officer.

The Federal Government recently introduced a new registered savings account called the Tax- Free Savings Account (TFSA). The TFSA will allow Canadians to earn investment income tax free. Although the new account comes into effect January 1, 2009, you will be able to pre-register by contacting your Financial Services Officer in December 2008.

The individual owning the TFSA is the 'Holder'. Any individual person ( not trusts or corporations) who meets all of the following three requirements is eligible to open a TFSA:

- Resident in Canada, and
- 18 years of age or older, and
- Holds a valid Social Insurance Number ( SIN).

Contributions to TFSA may only be made by the Holder and the amount is not tier to the income of the Holder.

$5000 is the maximum TFSA contribution limit for each year beginning in 2009. The growth on your investment within a TFSA will not be taxed even when withdrawn from the plan. You can set up your TFSA in a number of different investment options, withdraw your funds at any time and for any purpose.

For more information on Tax - Free Savings Accounts, visit the Canada Revenue Agency website or contact your Buduchnist Financial Services Officer.

Click here for information in Ukrainian...

Mutual funds* are investments that pool your money with others to purchase a variety of individual securities. Buduchnist Credit Union offers a wide range of mutual funds through Credential Asset Management Inc. and Credential Securities Inc. for either your non-registered or registered plans.

Contact a Credential Asset Management Inc. Mutual Funds Investment Specialist or a Credential Securities Inc. Investment Advisor for more information.

Credential Securities^® is a full-service investment dealer providing Canadians with access to a wide range of investment products and services.

Through Buduchnist Credit Union's partnership with Credential Securities you have access to a wide range of investment options including:

• Over 2000 mutual funds* from Canada's leading mutual fund companies;
• Publicly traded stocks on Canadian and U.S. stock exchanges;
• Income trusts, preferred shares;
• Government and corporate bonds.

Take the next step in our financial partnership! Arrange to meet with a Credential Securities Inc. Investment Advisor.

Credential Direct^®* combines the power of on-line trading with the values of your Credit Union.

Trade any time, anywhere while enjoying the benefits of:

• Competitive commission pricing;
• A user-friendly web-site;
• Detailed real time quotes;
• Stock screening and technical analysis tools.

Credential Direct lets you integrate your on-line investing with your Buduchnist savings. It's easy to move money between your chequing account and your investment account with the Electronic Funds Transfer service.

With Credential Direct you can also take advantage of low commission rates. Trade up to 1000 shares through Credential Direct for as little as $25.00! This is one of the lowest rates currently available in Canada.

Click here to learn more about Credential Direct and on-line trading.

You've set your goals for the future. A financial plan can help you achieve them.

Whether you're saving for your first home, your child's education or a comfortable retirement, a financial plan takes those seemingly overwhelming goals and shows you how they can easily become reality.

A very simple financial plan can ensure that your investments stay on track, your net worth continues to increase and your assets are protected.

Our Life Events Planner can take you through the financial planning process at your convenience.

For a secure future and peace of mind take the next step in our financial partnership.

Estate planning

Estate planning is an essential part of a complete financial plan. It involves more than just writing your will. An estate plan sets out the distribution of your assets according to your wishes and with the greatest possible benefit for your beneficiaries.

Why is estate planning important?

An estate plan:

• preserves your wealth
• puts you in control of the distribution of your wealth
• ensures that your wishes are fulfilled
• minimizes taxes

What does an estate plan involve?

• transferring assets to your beneficiaries in a timely manner
• looking after the people and causes you care about
• reducing estate administration costs
• adopting strategies for minimizing taxes
• protecting yourself, your beneficiaries and your assets with life insurance
• power of attorney
• valid and current will

It's never too early or too late to prepare an estate plan. BCU's Wealth Management Department can help. Together, we'll review your individual priorities and available options. We will then design a comprehensive estate plan to meet your goals and provide for your beneficiaries efficiently and tax-effectively.

At Buduchnist Credit Union we'll outline your options, clarify your choices and design a plan to suit your lifestyle.

Whether it's only a short term investment or a long term strategy, let a Financial Services Officer or a Credential Securities Inc. Investment Advisor help you make the right financial choices for achieving your goals. Contact us today.

*Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Securities Inc. and Credential Direct®, a division of Credential Securities Inc., which operates as a separate business unit. 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 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.

Credential Financial Strategies Inc. is a member company under Credential Financial Inc., offering financial planning, life insurance and investments to members of credit unions and their communities.

®Credential, Credential Securities and Credential Direct are registered marks owned by Credential Financial Inc. and are used under licence.