Hisa+ 2026 Terms and Conditions

The Kindred High-Interest Savings Account Plus promotional interest rate offer is referred to in these Terms and Conditions as the “HISA Plus Offer”.

The HISA Plus Offer is offered by Kindred Credit Union Limited (“Kindred”).

By participating in the HISA Plus Offer, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

HISA Plus Offer
The HISA Plus Offer runs from October 15, 2026 to February 15, 2027, unless terminated at an earlier date by Kindred or the aggregate deposit limit described in these Terms and Conditions is reached (the “Promotion Period”).

During the Promotion Period, an eligible personal or business member who deposits a minimum of $5,000 in New Money into an eligible HISA Plus account will receive a promotional annualized interest rate of 4.50% on eligible deposits, subject to these Terms and Conditions. At the end of the Promotion Period, funds held in the HISA Plus account will be transferred to a High-Interest Savings Account (HISA) and will earn the publicly posted interest rate applicable to that account at that time.

For the purposes of the HISA Plus Offer, “New Money” means funds transferred from an external financial institution and does not include existing funds held with Kindred, Aviso Wealth Inc., or any of their respective affiliates. Eligibility of funds as New Money will be determined by Kindred in its sole discretion.

The HISA Plus Offer is subject to a maximum of $25 million in aggregate eligible deposits across all participating Kindred members. Kindred may, in its sole discretion, increase this aggregate limit to a maximum of $40 million during the Promotion Period.

Once the applicable aggregate deposit limit is reached, no further deposits will be accepted under the HISA Plus Offer.

Eligibility Requirements
To be eligible for the HISA Plus Offer, you must satisfy the following criteria (the “Eligibility Requirements”):

You must be a Kindred personal or business member in good standing.
You must be eligible to open and maintain a HISA Plus account with Kindred.

Qualifying Criteria
To receive the promotional annualized interest rate, you must complete all of the following steps (the “Qualifying Criteria”):

Step 1: If you are not already a Kindred personal or business member, you must become a Kindred member during the Promotion Period.

Step 2: If you do not already have an eligible HISA Plus account, you must open one during the Promotion Period. Account opening is subject to eligibility and qualification criteria as determined by Kindred in its sole discretion.

Step 3: During the Promotion Period, you must deposit a minimum of $5,000 in New Money into an eligible HISA Plus account.

To qualify for the promotional annualized interest rate, the source of the funds must come from an external financial institution and must not include existing funds held with Kindred, Aviso Wealth Inc., or any of their respective affiliates.

Funds deposited with Kindred outside the Promotion Period do not qualify for the promotional annualized interest rate, except where such funds result from a transfer from another financial institution that was initiated during the Promotion Period.

Kindred is not obligated to open a membership or HISA Plus account for you. If Kindred, in its sole discretion, does not open a membership or eligible HISA Plus account for you, then you will not be eligible for the HISA Plus Offer.

HISA Plus Offer Fulfillment
The promotional annualized interest rate of 4.50% will apply to eligible New Money deposited into an eligible HISA Plus account during the Promotion Period, subject to the Eligibility Requirements, Qualifying Criteria, and limits set out in these Terms and Conditions.

The HISA Plus rate is annualized. Interest is calculated daily on the minimum balance and paid at month end for four months.

HISA Plus Offer Limits
For the purposes of the HISA Plus Offer:

“Personal Household” means a personal member and any other Kindred personal member who resides at the same residential address as that member or holds a joint membership or joint account with that member.

“Connected Members” means, in relation to a Business Member, the Business Member and any group of legal entities owned, controlled, or operated by the Business Member.

The maximum allowable aggregate deposits by a Personal Household that will be eligible for the promotional annual interest rate under the HISA Plus Offer shall not exceed $500,000.

The maximum allowable aggregate deposits by a Business Member and its Connected Members that will be eligible for the promotional annual interest rate under the HISA Plus Offer shall not exceed $500,000.

For greater certainty, the Personal Household limit and the Business Member and Connected Members limits are separate and are not aggregated for the purposes of the HISA Plus Offer.

Once the applicable aggregate deposit limit has been reached, Kindred may stop accepting additional deposits under the HISA Plus Offer, even if a member has remaining capacity within their applicable $500,000 limit.

The HISA Plus Offer is not transferable or assignable. No substitutions will be permitted. The HISA Plus Offer may not be combined with other offers, unless expressly stated otherwise in such offers.

Privacy Notice
Kindred will collect personal information from you to administer the HISA Plus Offer and to determine your eligibility for the promotional annual interest rate. This may include the information you submit as part of the HISA Plus Offer, information required to open a membership (if you do not already have one), information required to open a HISA Plus account (if you do not already have one), and information about your account and deposits.

By participating in the HISA Plus Offer, you consent to Kindred’s collection, use, and disclosure of your personal information for the administration of the HISA Plus Offer and otherwise in accordance with Kindred’s Privacy Policy.

You also consent to Kindred using aggregated and anonymized information derived from your personal information to generate reports regarding the HISA Plus Offer and participant demographics, which reports Kindred may disclose to third parties, provided that no identifying information is included in such reports.

General Terms and Conditions
Kindred will not be liable to any participant or third party for any damage or loss arising from, connected with, or relating to the HISA Plus Offer, regardless of the cause or any fault by Kindred or any person for whom Kindred is responsible, and notwithstanding that any such party may have been advised of the possibility of such loss or damage.

The HISA Plus Offer is subject to all applicable laws and regulations and is void where prohibited by law. If any provision of these Terms and Conditions is found by a court of competent jurisdiction to be unenforceable, all other provisions will remain in full force and effect.

These Terms and Conditions are governed solely by the laws of Ontario and the federal laws of Canada applicable therein, excluding any rules of private international law or the conflict of laws that would result in the application of any other laws.

Any dispute between you and Kindred arising from, connected with, or relating to the HISA Plus Offer, your participation in the HISA Plus Offer, the use or misuse of personal information provided in connection with the HISA Plus Offer, or any related matters (each, a “Dispute”) shall be resolved exclusively by the courts of the Province of Ontario, sitting in the City of Kitchener, Ontario, Canada, and you irrevocably attorn to the exclusive jurisdiction of such courts. Proceedings with respect to a Dispute must be commenced within one (1) year after the event giving rise to the Dispute, after which time any and all proceedings regarding the Dispute are barred.

To the fullest extent permissible by applicable law, by participating in the HISA Plus Offer, you agree to indemnify and hold Kindred harmless from and against any and all third-party claims arising out of or relating to your breach of these Terms and Conditions or your participation in the HISA Plus Offer.

Kindred is not obligated to pay the promotional interest rate to any participant if Kindred determines, in its sole discretion, that the participant or any third party connected directly or indirectly with the participant is abusing or attempting to abuse the HISA Plus Offer or is otherwise not acting in good faith in its dealings with Kindred.

Kindred may, in its sole discretion, withdraw, cancel, terminate, modify, or suspend all or any part of the HISA Plus Offer from time to time. Any such withdrawal, cancellation, termination, modification, or suspension will not affect a participant who has met the Eligibility Requirements and Qualifying Criteria prior to such action.

Kindred may also, in its sole discretion, change, supplement, or amend these Terms and Conditions from time to time by posting amended terms and conditions. Any such amendment will not affect a participant who has met the Eligibility Requirements and Qualifying Criteria prior to the effective date of the amendment.

Any reference to funds or currency in these Terms and Conditions refers to Canadian dollars, unless explicitly stated otherwise.

Kindred may, in its sole discretion, at any time limit the number or aggregate amount of deposits accepted under the HISA Plus Offer, subject to the aggregate deposit limit described in these Terms and Conditions. All decisions of Kindred regarding the administration of the HISA Plus Offer are final and binding.

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