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DUCA also recommends that the Member establish a data backup and recovery process to protect data from any loss or damage; and in no event will DUCA or any of its affiliates be liable to the Member or any third party for any loss or damage of any sort (including destruction or loss of data, software or hardware) whether arising in contract, tort or otherwise, caused by or arising in connection purposes only and is not intended to provide specific financial, tax, accounting or legal advice; ® INTERAC is a Trade-mark of Interac Inc. DUCA Financial Services Credit Union Ltd. authorized user of the Trade-mark. ® MASTERCARD is a registered trademark owned by MasterCard International Incorporated and is used under license. ® CHOICE REWARDS is a registered trademark of CU Electronic Transaction Services Inc. All other marks are copyright of their owners. Mutual funds sales by Qtrade Asset Management. Mutual funds are not insured by the Deposit Insurance Corporation of Ontario. 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