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Important Information |
Unclaimed Property
We want you to know
Information or data contained in this Web site is not guaranteed to be current,
accurate, or complete, and is subject to change without notice.
This communication does not constitute an offer or solicitation by anyone in
the United States or in any other jurisdiction in which such an offer or
solicitation is not authorized or to any person to whom it is unlawful to make
such an offer or solicitation. The Credential Web site is intended for Canadian
residents only.
Credential Asset Management Inc., Credential Insurance Services Inc.,
Credential Financial Strategies Financial Services Limited and Credential
Securities Inc. (and Credential Direct® ) are subsidiaries
of Credential Financial Inc. Credential Financial Inc. is owned by eight
Provincial Central Credit Unions and The CUMIS Group Limited. These
companies make their services available at branches of credit unions
and associated financial services organizations across Canada.
Important Mutual Fund Information
Credential EnRich Portfolios are offered as part of an asset allocation program available through Credential Securities Inc. and Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with investments in the Credential EnRich Pools and the use of the Credential EnRich Portfolios. Please read the prospectus for the Credential EnRich Pools before investing. Neither the Credential EnRich Portfolios nor the Credential EnRich Pools are guaranteed by the Canadian Deposit Insurance Corporation or by any other deposit insurer that insures deposits in credit unions. The value of an investment in the Credential EnRich Pools may change frequently, and past performance may not be repeated.
Ethical Funds
are principally distributed by Credential Asset Management Inc.
Mutual funds are offered through Credential Asset Management Inc. and mutual
funds and other securities are offered through Credential Securities Inc.
Commissions, trailing commissions, management fees and expenses all may be
associated with mutual fund investments and the use of an asset allocation
service. Important information about a mutual fund is contained in its
simplified prospectus. Please read the prospectus of the mutual funds in which
investment may be made under the asset allocation service before investing.
Please obtain a copy from Credential Asset Management or Credential
Securities®
and read it carefully 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.
No US Registration
The Credential Funds, Ethical Funds
and the units of the Funds offered under the simplified prospectus are not
registered with the United States Securities and Exchange Commission and they
are sold in the United States only in reliance on exemptions from registration.
Not Professional Advice
This information is not intended to provide specific legal, accounting or tax
advice and should not be relied upon in that regard. Persons accessing these
pages are advised to obtain proper legal, accounting or tax advice where
appropriate.
Currency
Unless otherwise specified, the currency used throughout this Web site is in
Canadian (CAD) dollars.
E-mail
E-mail over the Internet is not a secure medium and privacy cannot be assured.
E-mail communication is not confidential, is subject to possible interruption
or loss, and is also subject to possible alteration. Ethical Funds Inc. is not
responsible for and will not be liable to you or anyone else for any harm or
dangers in connection with an E-mail containing personal and confidential
information sent by you to Ethical Funds Inc. or an E-mail sent to you from
Ethical Funds Inc. to you, at your request.
Disclaimer of Liability
Credential Financial Inc. and its member companies including any of its
subsidiaries or affiliates are not responsible in any way for any damage
(direct, indirect, special, economic, punitive or consequential) in respect of
the use of this Web site and any of its information or content, or for any
action or decision made by you or anyone else in reliance on the Web site or
the information.
Third Party Links
Links to other Web sites or references to products, services or publications do
not imply the endorsement or approval of such Web sites, products, services or
publications by Credential Financial Inc. or its subsidiaries and affiliates.
No liability is assumed for incapability, non-sustainability, viral infection,
worms, Trojan horses, or other destructive/disruptive components on or from
such sites. Linking to another site is at your sole risk and Credential
Financial Inc. is not responsible or liable for any damages in connection with
linking.
Trademarks
®Credential is a registered mark owned by Credential Financial Inc.
®knowledgeXchange and TMkXg are registered
marks and trademarks owned by Credential Asset Management Inc. ®Ethical,
Ethical Funds, Ethical Growth Fund, The
Ethical Funds Company and TMMake money, Make a difference are registered marks and
trademarks of Credential Financial Inc. and Ethical Funds Inc. and are used
under licence.
Copyright
No reproduction, transmission, storage, retrieval, translation or transcription
of the materials in this Web site in any form or by any means is permitted in
whole or in part without the express written consent of Credential Financial
Inc.
Unclaimed Property — General Information
Under the Unclaimed Property Act of British Columbia and the Public Curator Act of Quebec, the companies of Credential Financial Inc. ("Credential"), including Credential Asset Management Inc., Credential Securities Inc., Credential Direct, Credential Insurance Services Inc. and Credential Financial Strategies Inc., are required to make reasonable efforts to reunite clients with their unclaimed property.
Accounts exceeding the minimum prescribed value of $50.00 for residents of British Columbia or $100.00 for residents of Quebec will generally be considered "unclaimed" in the following instances:
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A communication or cheque sent to a client is returned as undeliverable;
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A communication has been sent to a client requiring action to be taken by the client by a specified date, and no action has been taken;
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A cheque issued in the name of a client remains uncashed after three (3) years; or
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There has been no account activity and a client has not made any attempts to contact Credential or its agents within the past three (3) years.
Credential will make reasonable efforts to locate owners for whom it is holding unclaimed property. If we are unsuccessful in locating an owner, the unclaimed property will be recorded and maintained in a secure database.
If you believe you may have unclaimed property at Credential and wish to search our database, please contact us at:
Credential Financial Inc.
Compliance Department – Unclaimed Property
800 – 1111 West Georgia Street
Vancouver, BC V6E 4T6
PRIVATE and CONFIDENTIAL
PROCEDURE FOR HANDLING CLIENT COMPLAINTS
Credential® Complaint Resolution
At Credential, we take customer complaints seriously and we have procedures in place to ensure we address them properly. This document is designed to summarize our internal resolution procedures.
Part One: Steps to Resolving a Complaint
Step 1 – Contact your Investment Representative
If your complaint is in regards to a service or product, your complaint should be discussed with your Credential Asset Management Inc. Mutual Funds Investment Specialist/Credential Securities Inc. Investment Advisor. Typically, they should be able to address most of your concerns.
Step 2 – Contact the Provincial Compliance
Credential Asset Management Inc.
If your Mutual Funds Investment Specialist is unable to satisfactorily address your matter, please forward your concern in writing to the Provincial Compliance Officer, Credential Asset Management Inc. The Provincial Compliance Officer will work with you to resolve your complaint. Contact information for the Provincial Compliance Officer is provided below.
Region |
Contact Information
Credential Asset Management Inc.
Attention: Provincial Compliance Officer |
BC |
#800-1111 West Georgia Street
Vancouver, BC, V6E 4T6
Tel: 1.888.207.8121 Fax: 604.714.3801
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AB |
8500 Macleod Trail SE
Calgary, AB, T2H 2N1
Tel: 1.888.803.5822 Fax: 403.253.5047
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SK |
2500 - 13th Ave, Suite 200
Regina, SK S4P 0W2
Tel: 306.569.5500 Fax: 306.359.7575
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MB |
760-215 Garry St
Winnipeg, MB R3C 3P3
Tel: 204.927.7430 Fax: 204.927.7440
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ON |
3430 South Service Road, Suite 200
Burlington, ON, L7N 3T9
Tel: 905.632.9200 Fax: 905.632.0032
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NB, NF, NS, PE |
7071 Bayers Road, Suite 331
Halifax, NS, B3L 2C2
Tel: 902.454.6205 Fax: 902.453.6586
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Credential Securities Inc.
If your Investment Advisor is unable to satisfactorily address your matter, please forward your concern in writing to the Provincial Branch Manager, Credential Securities Inc. The Provincial Branch Manager will work with you to resolve your complaint. Contact information for the Provincial Branch Manager is provided below.
| Region |
Contact Information
Credential Securities Inc.
Attention: Provincial Branch Manager
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| BC, AB, Altantic Region |
#800-1111 West Georgia Street
Vancouver, BC, V6E 4T6
Tel: 1.800.688.9933 Fax: 604.714.3801
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| SK |
#200 - 2500 - 13th Avenue
Regina, SK S4P 0W2
Tel: 306.569.5500 Fax: 306.359.7575
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| MB, ON |
#200 - 3430 South Service Road
Burlington, ON, L7N 3T9
Tel: 905.632.9200 Fax: 905.632.0032
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Credential Direct (A division of Credential Securities Inc.)
Please refer to www.credentialdirect.com.
Step 3 – Contact the Dealer
If you feel that the problem is not resolved or you wish to express concerns with the handling of the complaint, we encourage you to contact Credential Financial Inc. to resolve the matter. Our dispute and complaint process is fair, impartial and confidential. All inquiries should be sent in writing to the Designated Complaints Officer. Contact information for the Designated Complaints Officers is provided below.
| Dealer |
Credential Financial Inc.
Attention: Designated Complaints Officer
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| Mailing Address |
#800-1111 West Georgia Street
Vancouver, British Columbia, V6E 4T6
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| Fax |
604.714.3993 |
| Email |
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Part Two: Summary of the Complaint Handling Process
- When your written client dispute or complaint is received, an acknowledgement of receipt will be sent to you and a file opened.
- Your dispute and the circumstances that surround it will be reviewed thoroughly by our professional compliance staff. This will include reviewing your account opening documentation as well as other notes and correspondence.
- You may be called upon to provide further details and or information that may be reasonably required to resolve your complaint.
- Depending on the circumstances, the complaint process can be lengthy and may take up to 90 days, however we will endeavor to handle your complaint in a timely manner.
- You will be informed of the results once we have concluded our investigation and have reached a decision.
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