Kindred GIC New Deposit Offer 2026 Terms and Conditions

The Kindred GIC New Deposits Offer is referred to in these Terms and Conditions as the “Kindred GIC New Deposits Offer”.

The Kindred GIC New Deposits Offer is offered by Kindred Credit Union Limited (“Kindred”).

By participating in the Kindred GIC New Deposits Offer, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Kindred GIC New Deposits Offer
The Kindred GIC New Deposits Offer runs from May 4, 2026 at 12:01 AM EST to July 3, 2026 at 11:59 PM EST, unless terminated at an earlier date by Kindred (the “Promotion Period”).

If, during the Promotion Period, a member invests in a new Kindred GIC of a minimum of $1,000.00, the member will be eligible to receive the Kindred GIC New Deposits Rate (the “Kindred GIC New Deposits Rate”) provided that the source of the funds has come from an external Financial Institution and must not include existing funds held with Kindred, or Aviso Wealth Inc. or any of their respective affiliates.

Eligibility Requirements
To be eligible for the Kindred GIC New Deposits Offer, you must satisfy the following criteria (the “Eligibility Requirements”):

1. If you are an individual, you must be of the age of majority in Ontario, and you must be a resident of Ontario.

2. If you are a corporation, partnership, limited partnership, or limited liability partnership, you must be carrying on business in Ontario and all individuals who are partners or shareholders must be of the age of majority in Ontario.

Qualifying Criteria
To earn the Kindred GIC New Deposits Rate, you must complete all of the following steps (the “Qualifying Criteria”):

Step 1: If you are not already a Kindred member, then you must become a new member during the Promotion Period.

Step 2: If you do not already have an account with Kindred, then you must open an account with Kindred through a Kindred representative during the Promotion Period. Account opening must be completed in person at a Kindred branch.

Step 3: During the Promotion Period, you must make one or more new investments (each, a “New Investment”). New Investments must be made with funds transferred from an external Financial Institution and must not include existing funds held with Kindred, or Aviso Wealth Inc. or any of their respective affiliates or (b) funds first deposited with Kindred during the Promotion Period. Funds deposited with Kindred outside the Promotion Period do not qualify for the Kindred GIC New Deposits Rate, except where such funds result from a transfer from another financial institution that was initiated during the Promotion Period. Investments made before or after the Promotion Period do not qualify for the Kindred GIC New Deposits Rate.

Kindred is not obligated to open a membership for you. If Kindred, in its sole discretion, does not open a membership for you, then you will not be eligible for the Kindred GIC New Deposits Rate.

Kindred GIC New Deposits Offer Fulfillment
The Kindred GIC New Deposits Rate will apply to an investment in an eligible Kindred GIC during the Promotional Period provided that the source of the funds has come from an external Financial Institution and must not include existing funds held with Kindred, or Aviso Wealth Inc. or any of their respective affiliates.

Kindred GIC New Deposits Offer Limits
The maximum allowable aggregate GIC investment by any member and/or group of individuals living at a single residence and/or legal entities owned, controlled or operated by the member (“Connected Members”) that will be eligible for the Kindred GIC New Deposits Rate shall not exceed $500,000.00 under the Kindred GIC New Deposits Offer. The Kindred GIC New Deposits Offer is not transferrable or assignable. No substitutions will be permitted. This Kindred GIC New Deposits Offer may not be combined with other offers, unless expressly stated otherwise in such offers.

Kindred GIC New Deposits Offer – Privacy Notice
Kindred will collect personal information from you to administer the Kindred GIC New Deposits Offer and to determine your eligibility for the Kindred GIC New Deposits Rate. This may include the information you submit as part of the Kindred GIC New Deposits Offer, information required to open a membership (if you did not already have one), information required to open a new investment account (if you did not already have one), and information about your investment account and your investments.

By participating in the Kindred GIC New Deposits Offer, you consent to Kindred’s collection, use and disclosure of your personal information for the administration of the Kindred GIC New Deposits 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 Kindred GIC New Deposits Offer and entrant demographics, which reports Kindred may disclose to third parties, provided that no identifying information is included in such reports.

Kindred GIC New Deposits Offer – 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 Kindred GIC New Deposits 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 Kindred GIC New Deposits 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 Kindred GIC New Deposits Offer, your participation in the Kindred GIC New Deposits Offer, the use or misuse of personal information provided in connection with the Kindred GIC New Deposits 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 Kindred GIC New Deposits 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 Kindred GIC New Deposits Offer.

Kindred is not obligated to pay any Kindred New Deposits GIC 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 Kindred GIC New Deposits 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 Kindred GIC New Deposits 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 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 the Kindred GIC New Deposits offered. All decisions of Kindred regarding the administration of the Kindred GIC New Deposits Offer are final and binding.