Note: The information between brackets describes the visual and audio content of the video that is not dialogue or narration.

[On-screen text: What is a credit score?]

[A leafy plant stands in front of a white wall with a clock.]

Credit coach: What is a credit score?

[The credit coach jogs in wearing a green sports jacket, a yellow sweatband and yellow wristbands. She blows a whistle hanging around her neck.]

Credit coach: Credit coach

[On-screen text: credit coach]

[Upbeat music]

[Wearing various sports outfits, the credit coach stretches, drinks a smoothie while lifting a small dumbbell, karate chops wood planks, plays tennis in virtual reality, flexes her biceps and does the limbo.]

[The credit coach stands behind a table with an empty cup with a straw, a blender containing a pink smoothie, a bowl of raspberries and a pineapple.]

Credit coach: Okay, are you ready? Listen. A credit score is like a good smoothie.

[The credit coach runs the blender while continuing to speak. You can't hear her over the noise of the blender. Finally, she turns off the blender.]

Credit coach:…of your life. See? Just that simple.

[Smiling, she eats a raspberry and winks.]

Credit coach: The score ranges from 300 to 900.

[The number 300 appears at the bottom of the cup. It fills up with smoothie from the bottom to the top. The number 900 appears at the rim of the cup.]

Credit coach: It's important to develop good habits to build your credit score.

[A bank user wearing a windbreaker drinks the smoothie.]

Credit coach: Be careful. If your score is too low, you may not be able to get a loan or rent an apartment.

[The bank user does the limbo.]

Credit coach: A lot of factors go into the calculation of your credit score, like your payment history, your available credit, the number and frequency of credit checks, the type of credit you use.

[The empty glass refills with smoothie from the bottom to the top. A green arrow follows the rising liquid. The text across the arrow reads: Payment history, Available credit, Number and frequency of credit checks, Type of credit.]

[The credit coach wipes her brow.]

Credit coach: Whew! Building a credit score takes practice and, above all, discipline. Basically, the better you manage your finances, the higher the score, the lower the risk of lending you money.

[The bank user pumps a small dumbbell and takes a sip of the smoothie.]

Credit coach: But that's not all! Your credit score is also taken into account when you shop for car insurance, look for a job and even buy a VR headset in 10 instalments!

[Wearing a virtual reality headset, the bank user smiles and swings a tennis racket.]

Bank user: This is amazing!

[The bank user tries to use her cellphone while wearing the VR headset.]

[On-screen logo: Desjardins logo]

[Background music: Desjardins jingle]

End of transcript