PARAMA’s members benefit from deposit insurance provided by the Financial Services Regulatory Authority of Ontario (FSRA), formerly the Deposit Insurance Corporation of Ontario (DICO). Insurance does not extend to deposits maintained in share accounts, US dollar or EURO accounts, and mutual funds. As of January 1, 2018, non-registered deposits are insured up to a total of $250,000 for each separate account holder. Joint and trust accounts are insured separately from accounts maintained by their joint owners or beneficiaries. Qualifying deposits held in registered accounts such as RRSPs, RRIFs, TFSAs are fully insured with no maximum limit. Please see www.fsrao.ca and www.dico.ca for details on how this coverage may affect you.