*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 10 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 1 year to 10 years.
• Invest in Mutual Funds.**
• Invest in products available through Atlantic Edge Credit Union.  
• Insurance protection plans available.
• Minimum payments apply.

*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 and financial planning 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.  Using borrowed money to finance the purchase of securities involves greater risk than purchasing using cash resources only.  If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines.  Unless otherwise stated, mutual fund securities and cash balances are not insured or guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions.  Their values change frequently and past performance may not be repeated.