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winwin EarthLink™ GIC / TERM DEPOSIT

 

A NATURAL FIT FOR YOUR INVESTMENTS AND YOUR VALUES


​Align your investment growth and your values without compromise. winwin EarthLink™ is a market-linked GIC that offers a guaranteed minimum return and the potential to earn more based on the stock market performance of carefully selected environmentally responsible organizations.  

 

 

   Principal investment protected 

   Guaranteed minimum return 

   Higher return potential

   Good for your wallet and your values 

 

 
 


Benefit from the growth potential of 20 international companies, carefully screened for demonstrated commitment to reducing the environmental impact of their operations.  

Responsible Investing allows you to take advantage of the yield potential of environmentally conscious companies, while protecting your capital. Talk to an advisor today about the winwin EarthLink GIC. 

  • Term: 3 or 5 years
  • Minimum deposit: $500
  • Non-redeemable
  • Available for: Non-Registered, RRSP, TFSA
  • Deposits are 100% protected†
  • No commission or management fees while taking advantage of market potential
  • Protection against the foreign exchange fluctuation of underlying securities

 

 
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Rate of Return*

Sales period: Nov. 22, 2022 - Jan. 23, 2023

​


3 years5 years
Minimum guaranteed simple annual interest1.50%0.90%
Minimum guaranteed cumulative return4.50%4.50%
Maximum potential simple annual interest8.33%10.00%
Maximum potential cumulative return25.00%50.00%


*Rates as of November 22, 2022 winwin® EarthLink™ rates are cumulative over the entire 3 and 5 year terms. This product has a ceiling that determines the maximum return you may receive at maturity. Terms and conditions apply. 

 

 

4-Step Selection/Screening Process:

 

  1. ​Financial health analysis - financial soundness, risk profitability and growth outlook
  2. Exclusion screening - companies operating in tobacco, nuclear and arms industries are excluded
  3. Environmental Assessment - performance against environmental, social and governance (ESG) and sustainable development leadership
  4. Inclusion in the security basket - best performance prospects taking into account geographic and sector diversification.

 


The basket of securities comprises 20 international companies which have the same weight in the basket. Representing a variety of economic sectors that have been carefully selected for their commitment to the environment and the initiatives they implemented to reduce the environmental impact of their operations.

 

Company

sector

stock Market
CGI Inc Technology Toronto SE
First Solar Inc. Energy NASDAQ GS
Goodman Group Real Estate ASE
KDDI Corp Communications Tokyo SE
Daiwa House Industry Co Ltd Consumer Discretionary Tokyo SE
Hydro One Ltd Utilities Toronto
Magna International Inc Consumer Discretionary Toronto SE
Merck KGaA Health Care XETRA Frankfurt
Mitsubishi Corp Consumer Staples Tokyo SE
Mowi ASA Consumer Staples Oslo
Nutrien Ltd Materials Toronto
NVIDIA Corp Technology NASDAQ
Orsted AS Utilities Copenhagen
Partners Group Holding AG Financials SIX Swiss Exchange
SAP SE Technology XETRA Frankfurt
Schneider Electric SE Industrials Paris
SolarEdge Technologies Inc Energy NASDAQ
STMicroelectronics NV Technology Milan
Vestas Wind Systems A/S Energy Copenhagen
Welltower Inc Real Estate New York SE

 


​Although past performance is not always indicative of future returns, similar products as the winwin EarthLink™ have recurrently performed close to its maximum potential return rate. Some factors contributing to this performance could be the diversity in companies, sector and stock markets within this product.

Please speak with an advisor to review the underlying securities of this product and full terms and conditions of the winwin® term deposit.

 

  1. The minimum guaranteed simple annual interest is paid out annually and does not compound.
  2. Historical returns provided are for informational purposes only, past performance is not indicative of future returns.
  3. This deposit may neither be negotiated nor transferred. No amount in principal shall be redeemed or payable before the date of maturity.
  4. This deposit and minimum interest accrued on the deposit is 100% guaranteed.
  5. The interest paid at maturity is subject to a maximum. If the yield of the Securities is higher than the maximum cumulative return at maturity, then the interest paid will match this maximum.
  6. This deposit may not be hypothecated or given as security.
  7. Given the features of this kind of investment, you should check with your advisor to make sure that such an investment meets your investment objectives as the investment is not suitable for everyone.
  8. The above statements and information are for informational purposes only. The information contained above is not complete and is qualified in its entirety by the full terms and conditions of the winwin® term deposit.  Please speak with an advisor to review the full terms and conditions of the winwin® term deposit.

 

winwin EarthLink™ is a trademark of First West Credit Union. 

†The Credit Union Deposit Insurance Corporation of British Columbia, a statutory corporation, fully guarantees all BC credit union deposits. Credit Union equity shares and investments such as mutual funds or RSP equity plans are not covered by deposit insurance.

From November 1, 2021, to November 21, 2021, the members of First West Credit Union voted on special resolutions that, among other things, authorize First West to apply to become a federal credit union under the Bank Act. If First West becomes a federal credit union, it will automatically become a member of the Canada Deposit Insurance Corporation (CDIC) and Credit Union Deposit Insurance Corporation of British Columbia deposit insurance will no longer apply. See attached Notice for further detail on what this change means to your deposits with First West.

 

 

Term deposit / GIC benefits at a glance:

 

 
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Your money is 100% protected

You can rest easy knowing that all deposits with B.C.’s Credit Unions are 100% protected. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia.

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​Low minimum deposit

$500 is all it takes to get you started and there are no maximum deposit limits. 

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​Built for your future

Choose a registered term deposit and delay paying taxes on the money you deposit, as well as any earnings it produces until you take it out of the plan.

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Made for B.C.

Your money stays in B.C. As a financial cooperative, we use your money to help businesses grow and communities thrive. 

 

Ready to invest?

Get started in less than 30 seconds.

 

 
 
 

 

PREFER TO TALK TO US IN PERSON?

Call us at 1-888-597-8083 or come in to your local branch and we'll set you up.

 

 
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PLANNING AND ADVICE THAT GROWS WITH YOU

Good advice starts with a conversation about your unique situation. We’ll work with you to understand your overall investment strategy and make recommendations on the right mix of investment solutions for your financial goals. 

Let’s talk about your financial wellbeing. 

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