Index-linked products offer returns based on stock market index performance; equity-linked products offer returns based on the performance of individual stocks within an equity basket. These products are a good option for investors because, unlike mutual funds, there is no chance of a loss to the original investment.

Horizon Credit Union offers our members three index/equity linked products to meet your investment goals:

• PRAIRIES BASKET™ Equity-Linked Term Deposit, which allows investors to profit from the success of companies in Alberta, Saskatchewan and Manitoba. The return is calculated using an average of monthly index returns. The basket contains 12 companies that are household names on the Prairies. The companies picked encompass a wide variety of industries.
• Principal guaranteed*
• Return potential up to 50%
• Low minimum investment
• Non Registered and Registered RRSP eligible
• No fees
• 5 year Non-Redeemable Term

• MARKETFLEX^®Index-Linked Term Deposit, where the return on investment is linked to the Canadian Stock Market. Returns are based on the performance of the S&P/TSX 60^®.

• Principal guaranteed *
• Return potential up to 25%
• Low minimum investment
• Non Registered and Registered RRSP eligible
• No fees
• 3 year Non-Redeemable Term

• GLOBAL MARKET™ Index-Linked Term Deposit, which allows participation in foreign stock markets. Returns of this investment are based on the performance of thee indices: Nikkei 225, Dow Jones Euro Stoxx 50, S&P 500.

• Principal guaranteed *
• Return potential up to 50%
• Low minimum investment
• Non Registered and Registered RRSP eligible
• No fees
• 5 year Non-Redeemable Term

*Credit Union Deposit Guarantee Corporation guarantees to all depositors, repayment in full of all deposits in Saskatchewan credit unions. Your initial deposit, or principal, in an index-linked term deposit is fully guaranteed. The return these deposits realize is linked to the performance of a stock exchange. Therefore the return cannot be guaranteed. However, repayment of the principal is fully guaranteed. Return is only fully guaranteed once the credit union is holding it.

Web sites: These sites contain daily return information, current company composition and overview of the process for re-weighting.

- SaskCentral Monthly Valuation Sheets: click here to access
- S&P500: www.standardandpoors.com
- Dow Jones Euro Stoxx 50:www.stoxx.com
- NIKKEI 225: www.nni.NIKKEI.co.jp

"Standard & Poor’s®” and S&P® are trademarks of the McGraw-Hill Companies, Inc. and have been licensed for use by Credit Union Central of Saskatchewan.

™Global Market is a trademark owned by Credit Union Central of Saskatchewan and is used under permission.

™Prairies Basket is a trademark owned by Credit Union Central of Saskatchewan and is used under permission.

MarketFlex is a registered trademark owned by Credit Union Central of Canada and is used under license.