*RRSP loans, with rates as low as prime, provides an opportunity for owners to maximize their RRSP contribution and to take advantage of maximum tax benefits today while providing for their future retirement.

Take advantage of unused carry-forward amounts or maximize your yearly contributions by borrowing and taking up to 15 years to repay. Any tax refund could be used to pay down loan balance, make next year's contribution early, or just for you to spend -- the choice is yours.

Features:

• Terms from 12 months to 15 years.
• 5-year renewal for fixed rate loans.
• Invest in Mutual Funds.**
• Invest in products available through [credit union name]

*Loan is due in full if transfer or redemption of RRSP is requested.

*Fixed deposits remain for the duration of the term following repayment of the loan.

*All lending is subject to credit approval within normal credit guidelines.

**Mutual funds are offered through Credential Asset Management Inc. 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 balance, 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 are not guaranteed, their values change frequently and past performance may not be repeated.