Cashback Mortgage Plus Wealth Offer Terms and Conditions

The Cashback Mortgage Plus Wealth Offer 

The Meridian Cashback Mortgage Plus Wealth Offer is offered by Meridian Credit Union Limited (“Meridian”) in conjunction with Aviso Financial Inc. (“AFI”).

Members who qualify for the Meridian Cashback Mortgage Plus Offer during the Offer Period from April 20 to July 31, 2026, subject to applicable terms and conditions, may also be eligible for an optional Wealth Offer. The Wealth Offer provides a discount on the mortgage rate for an Eligible Mortgage Product, as defined in the Cashback Mortgage Plus Offer, when qualifying investment assets are transferred to Aviso Wealth.

About Aviso Wealth
“Aviso Wealth” is a trade name of AFI and a registered trademark of Aviso Wealth Inc. (“AWI”). AFI is a dual-registered dealer, registered under applicable Canadian securities regulation and is a member of the Canadian Investment Regulatory Organization (“CIRO”) and a wholly owned subsidiary of AWI. AWI is a wholly owned subsidiary of Aviso Wealth LP, which in turn is owned 50% by Desjardins Financial Holding Inc. and 50% by a limited partnership owned by the five provincial Credit Union Centrals and The CUMIS Group Limited. 

Mutual funds and other securities are offered through Aviso Wealth. Online brokerage services are offered through Qtrade Direct Investing. Aviso Wealth and Qtrade Direct Investing are divisions of AFI. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus 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. There can be no assurances that the money market fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Mutual funds and other securities are not guaranteed, their values change frequently, and past performance may not be repeated. 

1. Offer Summary: The Cashback Mortgage Plus offers eligible Members 0.30% of the mortgage principal (up to $3,000, referred to as “Cash Back”) on approved mortgages of $100,000 or more. Additionally, the monthly Meridian Digital Chequing account package fee is waived for six months. (collectively, the “Cashback Mortgage Plus Offer” or “The Offer”). The Cashback Mortgage Plus Offer is available to new and existing Meridian Members, who meet the eligibility criteria outlined below during the Offer Period.
2. Offer Period: The Offer is valid starting April 20, 2026, and until July 31, 2026. Meridian reserves the right to extend or shorten the Offer Period at its sole discretion.

The Cashback Mortgage Plus Wealth Offer  

1.     Meridian Members who qualify for the Cashback Mortgage Plus Offer (see separate terms and conditions) can take advantage of the following Wealth Offer at the same time. In partnership with Aviso Wealth, Meridian is offering a rate discount on Eligible Mortgage Products with the transfer of New Wealth Assets to Aviso Wealth during the Cashback Mortgage Plus Offer Offer Period, subject to meeting the eligibility criteria outlined below (the “Wealth Offer”).
2.  Qualifying Investments: are registered and non-registered investments, or a combination thereof, and are not Non-Qualifying Investments. Non-Qualifying Investments are investments including the following: a) any assets transferred from any AFI platforms including Aviso Wealth, Qtrade Direct Investing, or Qtrade Guided Portfolios; b) transfers of cash, guaranteed investment certificates or class A shares originating from Meridian accounts; c) options; d) cash; e) money market funds/High Interest Savings Accounts (HISAs); f) guaranteed investment certificates; g) personal mortgages; h) fixed income securities with a duration of less than six months; i) shares of any Canadian-controlled private corporations; j) units of limited partnerships; k) securities not listed on any Canadian or U.S. stock exchange not recognized by Meridian in its sole discretion (“Non-Qualifying Investments”). Qualifying Investments are any assets that are not defined as Non-Qualifying Investments.
3. New Wealth Assets are Qualifying Investments transferred from an investment firm account held outside of Meridian, Aviso Wealth, Aviso Insurance Inc. and/or Qtrade Direct Investing, just prior to its transfer to a Qualifying Aviso Wealth Account.
4. A Qualifying Aviso Wealth Account is an investment account held at Aviso Wealth into which New Wealth Assets are transferred. Qualifying Aviso Wealth Accounts can be (a) registered retirement savings plan accounts; (b) spousal registered retirement savings plan accounts; (c) locked-in registered retirement savings plan accounts; (d) registered retirement income fund accounts; (e) spousal registered retirement income fund accounts; (f) life income fund accounts; (g) tax free savings accounts; (h) non-registered accounts; (i) registered education savings plan accounts; (j) registered disability savings plan accounts; and (k) first home savings accounts (the “Qualifying Aviso Wealth Account”).
5. Eligibility Criteria: To qualify for the Wealth Offer, you must:
   1. Fulfill the Cashback Mortgage Plus Offer Eligibility Criteria.
   2. Have or open a Qualifying Aviso Wealth Account.
   3. Initiate and sign a transfer agreement of New Wealth Assets to a Qualifying Aviso Wealth Account.
   4. New Wealth Assets must meet the minimum valuation defined herein.
   5. To fulfill the Eligibility Criteria of the Wealth Offer, you must fulfill sections 5(a) – 5(d) above, during the Cashback Mortgage Plus Offer - Offer Period. 
6.  Rate Discount Details: The mortgage rate discount is determined based on the market value of New Wealth Assets transferred:

(the “Rate Discount”).

The Rate Discount applies to the qualifying interest rate, on approved credit, at the time of the New Wealth Assets transfer initiation. The Rate Discount will apply to the full term of the Eligible Mortgage Product in the Cashback Mortgage Plus Offer described above, based on term length of the selected Eligible Mortgage Product (e.g. 3 Year Fixed Closed Mortgage will have the Rate Discount applied for 3 years). Additional rate discounts cannot be applied to the Eligible Mortgage Product.

7.  Valuation, and Offer Limitations 
   1. New Wealth Assets transfers must be initiated into a Qualifying Aviso Wealth Account prior to signing the Meridian Mortgage Agreement for the Eligible Mortgage Product in the Cashback Mortgage Plus Offer described above. 
   2. In order to be eligible for the Wealth Offer, New Wealth Assets must have a minimum market value, as determined by the valuation method set forth herein, of $100,000.00 and be placed into a Qualifying Aviso Wealth Account.
   3. Valuation of Qualifying Investments will be based on the market value of the New Wealth Assets as of 4:00 p.m. Toronto, Canada time on the date the transfer was initiated in Aviso Wealth’s investment system (“Transfer Initiation Date”). 
   4. U.S. dollar accounts will be converted at prescribed rates in effect at Meridian, as of the Transfer Initiation Date.  
   5. Co-applicant(s) on the Eligible Mortgage Application will not be able to qualify for the Wealth Offer unless the co-applicants on the Eligible Mortgage Application for the Eligible Mortgage Product in the Cashback Mortgage Plus Offer described above are identical to the proposed owners of the Qualifying Aviso Wealth Account. 
8. Application of Rate Discount: The Rate Discount will be applied to the Eligible Mortgage Product in the Cashback Mortgage Plus Offer described above on the business day following the signing of the transfer-in commitment of New Wealth Asset into a Qualifying
9. Aviso Wealth Account during the Offer Period. The Wealth Offer is limited to one (1) Rate Discount per mortgage within the Offer Period. 

General Terms and Conditions for the Cashback Mortgage Plus Wealth Offer

1. All amounts are shown in Canadian dollars. 
2. This is a limited time promotion. The terms and conditions of this Offer, including the overall availability of the Offers, are subject to the absolute discretion of Meridian and may be changed by Meridian at any time without further notice. Meridian reserves the right at any time without prior notice and in its sole discretion, to add, alter or modify all or any of these terms and conditions or to replace the Offers, wholly or in part, with any other offer, whether similar to the Offers or not, or to withdraw the Offers altogether. Meridian reserves the right to suspend, disqualify, limit, or revoke the Offers to any Member at any time, at its sole discretion.
3. The Offer is subject to all applicable Meridian terms and conditions, including but not limited to the standard mortgage approval requirements, on approved credit. Conditions are related to the approval and advancement of the mortgage (i.e. various precedent conditions and/or disbursement conditions for funding) and inquiries should be directed towards the associate submitting/working on your Eligible Mortgage Application.
4. Additional terms and conditions apply to both the opening and operation of the Meridian Digital Chequing Account, the Qualifying Aviso Wealth Account at Meridian and an applicable Meridian Visa Credit Card. Except as may be set out in the terms and conditions of the Offer, all terms and conditions applicable to products and services held with Meridian are not amended by these terms and conditions and continue to apply during and after the Offers.
5. Meridian reserves the right to end earlier or to extend the Offer Period further at its absolute discretion, without notice.
6. To the extent that the terms and conditions are inconsistent with any other communication, advertisement, or statement (a "Message") from Meridian, these terms and conditions will supersede all other Messages.
7. Meridian shall have the exclusive right to determine the amounts, if any, payable under this Offer.
8. By participating in the Offers, Members agree to comply with all applicable laws and regulations. Any attempt to manipulate or exploit the Offers will result in disqualification.
9. Meridian is not liable for any loss or damage arising from or in connection with the Offers, including but not limited to direct, indirect, or consequential losses.
10. Any dispute, controversy, or claim arising out of or relating to this Promotion, including any question regarding its existence, interpretation, validity, breach, or termination, shall be governed by the laws of the Province of Ontario and shall be resolved exclusively in the courts of Toronto, Ontario. By participating in this Promotion the member irrevocably submits to the jurisdiction of such courts and waives any objection to the venue or jurisdiction of such courts. 
11. These Offers are intended for promotional purposes only and do not constitute financial or legal advice or an opinion related to the acquisition, suitability of any of the products offered herein.
12. You agree that you have read and understood the terms and conditions and agree to be bound by them. Any notice offered by us with respect to the Offers is deemed to be provided on the day it is posted on our website.

For any questions or concerns regarding this promotion, please contact Meridian Contact Centre at 1-866-592-2226.

Publish Date: April 20, 2026

*Trademarks of Visa Intl., used under license