By partnering with a team of providers, your credit union is able to provide you with high quality financial solutions backed by expert research and solid money management.

We offer you the trusted advice and expertise dedicated professionals who will sit and listen to your hopes and dreams, and develop a financial relationship with you to help you realize your goals. With our professional experience and know-how, your plan will be efficiently and professionally implemented – even in a challenging marketplace.

Our partners include:

• Credential Financial Inc.
• Concentra Financial
• Chartered Accountants
• Solicitors

Credential Financial Inc., through it's member companies, provides credit unions with access to a wide range of wealth management solutions for members just like you. This includes mutual funds, stocks, bonds, and insurance products and services to help you build your wealth and create financial security for you and your family.

Credential® representatives operate through more than 380 participating credit unions from coast to coast. By partnering with Credential, the Education Credit Union is able to provide high quality financial solutions backed by expert research and solid management. Nationwide, Credential administers approximately $6 billion on behalf of our credit union partners and their members.

Credential Financial Inc. is the parent company for several entities: Credential Securities Inc., Credential Asset Management Inc., Credential Financial Strategies Inc. and Credential Direct®.

Credential Securities Inc. - is a full service investment dealer that provides credit unions with a comprehensive line of investment products, including foreign and Canadian equities, mutual funds, bonds and other fixed income instruments.

Eva Englehutt

Credential Asset Management Inc. – is a mutual fund dealer offering a broad range of top quality mutual funds with trusted names like Fidelity, AIM/Trimark and AGF, and is the principal distributor of Ethical Funds®, Canada’s leading family of socially responsible investments.

Mutual Funds Investment Specialists

Jo-Ann Spicer CFP FMA EPC

Stewart Duckworth H BA. CFP EPC

Andrea Thistle B.A. (Jnt Hons)

Stewart Duckworth H BA. CFP EPC

Jo-Ann Spicer CFP FMA EPC

Credential Direct – is a top Canadian Online Brokerage service providing self-managed investors with powerful online trading tools and investment research. Visit www.credentialdirect.com to get started.

*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. 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 and Credential Direct are registered marks owned by Credential Financial Inc. and are used under licence. ®Ethical Funds is a registered mark owned by Ethical Funds Inc. and is used under licence.

Credential Financial Strategies is a member company under Credential Financial Inc., offering financial planning, life insurance and investments to members of credit unions and their communities. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.

Concentra Financial

Concentra Financial, formerly Co-operative Trust Company of Canada, is a national company specializing in business-to-business financial intermediation and trust services for credit unions. Incorporated in 1952, the company is owned by the Canadian co-operative financial community - a fact that uniquely shapes the solutions offered.

Concentra Financial expand credit union product offerings by providing solutions in the following areas:

• Mortgage and deposit referral
• Commercial banking
• Specialized administration services
• Personal and corporate trust services

Concentra Trust, a wholly owned subsidiary of Concentra Financial, provides credit unions with access to a line of specialized trust services for both individuals and business members. At the core of personal trust services is estate planning and administration - an essential link in a comprehensive wealth management relationship. Corporate trustee services encompass a broad selection of products including registered plans delivery, enhanced employee benefit plans, asset safeguarding and capital fundraising.

Estate Planning & Trust Service Representative

Stewart Duckworth H BA. CFP EPC

Chartered Accountants

Alan Wintrip Chartered Accountant

Alan Wintrip. CA is an independent Chartered Accountant, located in Kitchener, and has been in business for 15 years. Mr. Wintrip has been operating a tax preparation service on-site at the Education Credit Union during March and April of each year since 1993. He has also been used as a resource for members requiring his specialized accountancy services. The positive feedback received from our members using Mr. Wintrip’s services has been instrumental in having him as part of our Wealth Management team.

Mr. Wintrip offers personal service to individual clients, supported by experienced staff, and has a tradition of professional excellence. He also specializes in providing small family-owned businesses in the Waterloo Region with comprehensive bookkeeping, payroll and tax service.

Mr. Wintrip also provides a range of “Elder Care” services. In situations where seniors require assistance to manage their day-to-day financial affairs, he can provide support for their financial needs. Developing financial plans, financial reporting, bill payments and banking are available through this service.

Fees – The credit union does not set fees for these services. Mr. Wintrip is prepared to discuss rates and fees prior to commencing a service.

Chartered Accountant

Alan Wintrip

Collins Barrow

Collins Barrow Chartered Accountants is Canada’s mid-market alternative with local offices located in Cambridge and Waterloo. Their Member firms make up the eighth largest accounting firm in Canada.

They are an alternative to large national and international accounting firms for accounting, tax and business consulting solutions. Collins Barrow services a wide range of business, government, non-profit agricultural and individual clients in local, regional, national and international markets.

Collins Barrow Chartered Accountants have been the auditors of the Education Credit Union since 1980. This long term professional relationship and their broad scope of services made them a natural as a part of our Wealth Management team.

Brian Hanna, CA, Senior Partner of Collins Barrow Chartered Accountants, has managed the audit of the Education Credit Union for the past five years and is the link for our Wealth Management Program. Mr. Hanna is located at the Cambridge office, but can accommodate clients at Collins Barrow’s Waterloo branch.

Fees - The credit union does not set fees for these services. Mr. Hanna is prepared to discuss rates and fees prior to commencing a service.

Chartered Accountant

Brian Hanna

Solicitors

Russell Lawson and Steven Haller are partners in the law firm of Kruse, Lawson & Haller in Kitchener. Russell Lawson has been a primary source for our individual and corporate requirements for the past 15 years. Kruse, Lawson & Haller have assisted many of our members with their legal requirements and based on our members’ positive reports we are confident that they offer a range of high quality legal services that will enhance our Wealth Management Program.

Mr. Russell Lawson and Mr. Stephen Haller assist individuals with respect to the preparation of Wills, Trusts, Powers of Attorney and Living Wills. They help families deal with the legal aspects of the mental incapacity of an individual. They also assist in the administration of estates for individuals; including estate planning, estate accounting and estate income tax issues.

They provide a comprehensive range of services in connection with the purchase and sale of all types of Real Estate including the purchase and sale of residential, commercial and multi-family. They provide services to businesses and non-profit corporations in areas such leasing, condos, co-ops, houseboats and apartment complexes.

In the area of business law, Mr. Lawson and Mr. Haller assist individuals, corporations, partnerships, joint ventures and trusts with respect to all business and tax related matters. They can also provide advice and representation with respect to the formation and organization of businesses and non-profit corporations etc., assistance with and preparation of documents for all business, and financing and tax planning for individuals, families and business.

Fees - The credit union does not set fees for these services. Mr. Lawson and Mr. Haller are prepared to discuss rates and fees prior to commencing a service.

Solicitors

Russell N. Lawson
Stephen P. Haller

Pre-Paid Legal Services

Have you ever...

• wanted legal advice on a credit matter?
• needed legal assistance with the purchase of a home?
• needed legal services in writing or revising your Will?

Did you know that for less than a dollar a day, you can have access to these services?

How does it work?

A pre-paid legal plan is a low-cost, comprehensive legal solution for individuals and families. Many of the legal services required by you and your family are covered through your membership in the plan, at a low monthly membership fee. You will have access to quality lawyers to help resolve your legal issues and answer your legal questions.

Visit www.rjkennedy.com or call (519) 743-8574 for more information.