Information or data contained in this Web site is not guaranteed to be current, accurate, or complete, and is subject to change without notice.
This communication does not constitute an offer or solicitation by anyone in the United States or in any other jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. The Bob Orban Web site is intended for Saskatchewan residents only.
Credential Asset Management Inc., Credential Insurance Services Inc., Credential Financial Strategies Financial Services Limited and Credential Securities Inc. (and Credential Direct® ) are subsidiaries of Credential Financial Inc. Credential Financial Inc. is owned by eight Provincial Central Credit Unions and The CUMIS Group Limited. These companies make their services available at branches of credit unions and associated financial services organizations across Canada.
Ethical Funds are principally distributed by Credential Asset Management Inc.
Mutual funds are offered through Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service. Important information about a mutual fund is contained in its simplified prospectus. Please read the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. Please obtain a copy from Credential Asset Management and read it carefully before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated.
Insurance products and services are offered through Credential Insurance Services Inc. as a full-service managing general agency through which credit unions can offer life insurance, living benefits, segregated funds, and annuities to their members. Bob Orban is registered by CUMIS Life Insurance Company as a licensed life agent in the Province of Saskatchewan.
The Credential Funds, Ethical Funds and the units of the Funds offered under the simplified prospectus are not registered with the United States Securities and Exchange Commission and they are sold in the United States only in reliance on exemptions from registration.
This information is not intended to provide specific legal, accounting or tax advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain proper legal, accounting or tax advice where appropriate.
Unless otherwise specified, the currency used throughout this Web site is in Canadian (CAD) dollars.
E-mail over the Internet is not a secure medium and privacy cannot be assured. E-mail communication is not confidential, is subject to possible interruption or loss, and is also subject to possible alteration. Ethical Funds Inc. is not responsible for and will not be liable to you or anyone else for any harm or dangers in connection with an E-mail containing personal and confidential information sent by you to Bob Orban or an E-mail sent to you from Bob Orban to you, at your request.
Bob Orban and/or Credential Financial Inc. and its member companies including any of its subsidiaries or affiliates are not responsible in any way for any damage (direct, indirect, special, economic, punitive or consequential) in respect of the use of this Web site and any of its information or content, or for any action or decision made by you or anyone else in reliance on the Web site or the information.
Links to other Web sites or references to products, services or publications do not imply the endorsement or approval of such Web sites, products, services or publications by Bob Orban and/or Credential Financial Inc. or its subsidiaries and affiliates. No liability is assumed for incapability, non-sustainability, viral infection, worms, Trojan horses, or other destructive/disruptive components on or from such sites. Linking to another site is at your sole risk and Credential Financial Inc. is not responsible or liable for any damages in connection with linking.
®Credential is a registered mark owned by Credential Financial Inc. ®Ethical, Ethical Funds, Ethical Growth Fund, The Ethical Funds Company and TMMake money, Make a difference are registered marks and trademarks of Credential Financial Inc. and Ethical Funds Inc. and are used under licence.
No reproduction, transmission, storage, retrieval, translation or transcription of the materials in this Web site in any form or by any means is permitted in whole or in part without the express written consent of Bob Orban.
