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    ​winwin EarthLink™ GIC / TERM DEPOSIT

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    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


    earlthlink industry sectors
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    Rate of Return*

    Sales period: September 22, 2020 - November 23, 2020

    ​


    		3 years5 years
    Minimum guaranteed annual compound return equivalent0.50%0.79%
    Minimum guaranteed cumulative return1.50%4.00%
    Maximum potential annual compound return equivalent3.85%3.71%
    Maximum potential cumulative return12.00%20.00%



    *Rates as of September 22, 2020. Offer subject to change without notice at any time. winwin EarthLink rates are calculated on a per annum basis. Terms and conditions apply.

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    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.


    Companies


    The basket of securities comprises 20 international companies which have the same weight in the basket. Representing a variety of economic sectors, including renewable energies, they 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

    3i Group Plc.Financial ServicesLondon SE
    Algonquin Power & Utilities Corp.UtilitiesToronto SE
    Allianz SEFinancial ServicesXETRA Frankfurt
    BCE Inc.Telecom. ServicesToronto SE
    Burberry Group PlcConsumer DiscretionaryLondon SE
    Canadian Tire Corporation, LimitedConsumer DiscretionaryToronto SE
    Deutsche Post AGIndustrialsXETRA Frankfurt
    First Solar Inc.EnergyNASDAQ GS
    Givaudan SAMaterialsSIX SE
    Intel CorporationTechnologyNASDAQ GS
    Kone OYJIndustrialsHelsinki SE
    L'Oreal SAConsumer StaplesEN Paris
    Microsoft CorporationTechnologyNASDAQ GS
    Muenchener Rueckversicherungs AGFinancial ServicesXETRA Frankfurt
    Reckitt Benckiser Group PlcConsumer StaplesLondon SE
    SAP SETechnologyXETRA Frankfurt
    Siemens Gamesa Renewable Energy S.A.EnergyMadrid SE
    Swisscom AGTelecom. ServicesSIX SE
    The Toronto-Dominion BankFinancial ServicesToronto SE
    Vestas Wind Systems A/SEnergyCopenhagen SE


    Historical returns


    ​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.

    Terms and conditions

    1. The minimum guaranteed annual compound return equivalent 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.


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    Term deposit / GIC benefits at a glance:


    ​​​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.

    ​​​Low minimum deposit

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

    ​​​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.

    ​​​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. 

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