1% Cash Bonus for Account Balance Transfer Offer - Terms and Conditions

Meridian Credit Union Limited (“Meridian”) in conjunction with Aviso Financial Inc. (“AFI”) is offering a cash back award of one (1) percent (1%) on cumulative transfers of Qualifying Assets (the “Award”), to a maximum Award value of $750 Canadian dollars, to new and existing Members (the “Offer”). The Offer is available from July 2, 2025, until September 30, 2025 (the “Offer Period”).

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.

Online brokerage services are offered through Qtrade Direct Investing. Mutual funds and other securities are offered through Aviso Wealth. Qtrade Direct Investing, Qtrade Guided Portfolios, and Aviso Wealth 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.

ELIGIBILITY CRITERA OF THE OFFER

The following criteria must be satisfied by the new or existing Member to qualify for the Offer.

New and existing Members

To be eligible for this offer, new and existing Members must:

1. Reside in Ontario.

2. Be the age of majority in Ontario.

3. Be a new or existing Meridian Member (“Member”).

QUALIFYING ACTIONS

1. Register for the Award through a Meridian employee during the Offer Period.

2. If the Member is not an existing Aviso Wealth account holder, open a new nominee account at Aviso Wealth which may be any of the following: (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; (k) first home savings accounts (each a “Qualifying Account”). 

3. If the Member is an existing Aviso Wealth account holder, the Member must have or open a Qualifying Account.

4. Transfer assets in-cash, in-kind, or a combination of the two, a minimum of $7,500 from another Canadian financial institution(s) into a Qualifying Account(s) between July 2, 2025 – September 30, 2025. The following will not beeligible for the Award: 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; 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 Assets”). Qualifying Assets are any assets that are not defined as Non-Qualifying Assets.

5. Any transfers of assets or any Non-Qualifying Assets must be converted into Qualifying Assets no later than December 31, 2025, 4:00PM Toronto, Canada Time (the “Funding Deadline”) and remain in a Qualifying Account until February 28, 2026.

6. Qualifying Assets transferred into Qualifying Accounts must have a collective minimum market value, as determined by the valuation method set forth herein of $7,500 as of the Funding Deadline and the minimum value of $7,500 must remain in the Qualifying Account until February 28, 2026 to be eligible to receive the Award.

FURTHER TERMS ON THE AWARD

7. The Award will be calculated on the net deposit value of Qualifying Assets transferred into the Qualifying Account(s) between July 2, 2025 and December 31, 2025 (“Funding Period”). The market value of the Qualifying Assets at the time of transfer will be used to determine the Award.

8. The maximum Award a Member can receive is Canadian $750.

9. Any withdrawals that occur within the Funding Period, will be subtracted from the Qualifying Assets to determine the Award value.

10. Transfers or deposits received into a Qualifying Account after the Funding Period will not qualify for this Offer.

11. The Award will be determined by Meridian in its sole discretion.

AWARD VALUATION AND PAYOUT

12. Qualifying Assets will be valued according to the combined value of Canadian and U.S. denominated Qualifying Assets deposited into a Qualifying Account. U.S. balances will be converted into CAD at prescribed rates in effect at Meridian to determine eligibility.

13. If a Member qualifies to receive the Award, the Award will be deposited to the applicable Qualifying Account(s), in CDN currency, after November 30, 2025 but no later than February 28, 2026.

14. Members must notify Meridian no later than March 31, 2026 at 4:00 p.m. (EST) Toronto, Canada time if the Award has not been deposited into the Qualifying Account. Any notice received after this date will not be accepted, and you will be deemed not to have qualified for the Offer.

GENERAL TERMS

15.Only one Award per eligible Member will be awarded during this promotion. It will be up to the sole discretion of Meridian how these Awards will be paid out.

16.This offer can only be bundled with the $300 New Member offer if applicable (for new Members only) - Terms and Conditions for the Chequing offer.

17.This is a limited time Offer. The terms and conditions of this Offer, including the overall availability of the Offer, 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 Offer, wholly or in part, with any other offer, whether similar to this Offer or not, or to withdraw this Offer altogether.

18.Meridian reserves the right to suspend, disqualify, limit or revoke the Offer to any Member it finds or believes that they are manipulating or otherwise abusing the process, fairness, or integrity of the Offer.

19.Additional terms and conditions apply to opening an account with Meridian, and Aviso Wealth, and the transfer in, and operation of, accounts at Meridian, and Aviso Wealth.

20.Meridian shall have the exclusive right to determine the amounts, if any, payable under this Offer.

21.Meridian and Aviso Wealth are not responsible for transfers that are not initiated or received during the Qualifying Period due to problems or technical issues including those issues with telephone networks or lines, the internet, computer online systems or servers, computer software problems, or any other delays on the part of the delivering institution.

22.Meridian representatives that are not registered with Aviso Wealth will not be involved in any investment decision involving a Qualifying Account held at Aviso Wealth.

23.The Aviso Wealth representative managing a Qualifying Account must be affiliated with Meridian.

24.By participating in this offer, the Member agrees to indemnify, defend, and hold harmless Meridian, its affiliates, and their respective directors, officers, employees, agents, representatives, successors, and assigns (collectively, "Releases") from and against any and all claims, including legal fees and expenses on a full indemnity basis, that may be brought against or incurred by any of the Releases as a result of or in connection with this Offer, any actions or omissions of the Member, or any breach by the Member of the terms and conditions governing this Offer. This indemnity shall survive the termination, completion or expiry of the Offer between the Member and Meridian. 

25.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.

26.The Award is intended for promotional purposes only and does not constitute financial or legal advice nor is it an opinion related to the acquisition, suitability or use of any of the Qualifying New Assets or Qualifying Accounts.

27.Participation in this Award is your acknowledgement that you have read these terms and conditions, and you agree to be bound by these terms and conditions.

Published Date: May 22, 2025