CODES OF CONDUCT

STATEMENT OF COMMITMENT: CODES OF CONDUCT FOR THE CREDIT AND DEBIT CARD INDUSTRY IN CANADA

Talka Credit Union is committed to the Canadian Code of Practice for Consumer Debit Card Services and the Code of Conduct for the Credit and Debit Card Industry in Canada. These codes are designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.

FOR MORE INFORMATION, PLEASE SEE:

Talka Credit Unions Code of Conduct

Credit unions are unique institutions. Operating in Canada for over 100 years, credit unions are financial cooperatives that are governed and financed differently than banks. At credit unions, members are shareholders. Being a member means sharing in the credit union’s success. Our primary motivation is providing quality products and services to our members. We are committed to ensuring that our members are completely satisfied with the level of services they receive. This is our Market Code of Conduct. Our best practices can be summarized in four key principles:

Business Practices: We are committed to providing fair treatment to all our members and customers using our products and services. It is a core component of our governance and corporate culture.

Fair Treatment and Fair Sales Practices: Treating members and customers fairly and demonstrating fair sales practices at all times are integral parts of our business practices.

Transparency and Disclosure: The credit union uses plain-language descriptions of products and services in its communications to ensure people make informed decisions.

Complaint Handling: We examine complaints and work to settle them fairly, and we track complaints to help ensure our practices continue to improve. Please contact our CEO, Ron Smith via email at ronsmith@talka.ca with any comments or concerns.