Rewarded for our innovation Following their launch this winter, the NBC Diversified GICs were instrumental in National Bank Financial Group’s Financial Products Solutions Group winning the prestigious “Structured Products House of the Year in Canada Award” at the 2011 Structured Products Americas Awards held in Florida on May 5. The award recognizes our innovations in the past year, including adapting existing products to meet changing market demands.

National Bank Optimarket^TM GICs are a great investment! Our range of variable-return GICs have innovative features and are RRSP and TFSA-eligible:

• principal fully protected at maturity
• covered by CDIC deposit insurance
• greater potential returns than conventional fixed-rate GICs
• eligible for registered accounts (RRSP, RRIF, RPDB, RESP, RDSP and TFSA).

Be sure to check out the details of each of the products below to find out how National Bank Optimarket^TM GICs can be an integral part of your portfolio and your retirement strategy.

Diversified GICs
Canadian Advantage 8 Plus GIC compound interest
Canadian Advantage 8 GIC

NBC Optimarket^TM GIC is a trademark of National Bank of Canada.

Canadian Advantage 8 Plus GIC compound interest

Type	Principal 100% protected by National Bank of Canada
Investment horizon	5 years
Risk level
Variable return	Only known at maturity
Minimum investment	$500
Issue date	March 9, 20121
Presale period	January 16 to March 2, 2012
	or invest outside your RRSP

• 	Index Performance Tracking (6 pages)
  	Find out more (4 pages)
  	Variable-return GICs information statement (Agreement) (13 pages)

  The Variable Interest at maturity is based on the performance of a Reference Portfolio of 20 common stocks from leading Canadian companies².
• The 8 best performing Reference Shares in the Reference Portfolio are automatically assigned a 40% return, regardless of whether their actual return was over or under 40%. The Reference Portfolio's return is then determined according to the arithmetic average of the 20 Reference Shares in the Reference Portfolio
• At maturity, the Variable Interest of the Canadian Advantage 8 Plus GIC will be no less than 2.53% and will be limited to a maximum of 40% of the principal invested on the Issue Date.
• 5-year term.
• Sector diversification corresponding to the Reference Portfolio.
• Eligible for deposit insurance from CDIC³.
• To contribute online, it is required that you have a National Bank of Canada account. Otherwise, please visit one of our branches.

1 More than one issue of the Canadian Advantage 8 Plus GIC may be offered in the same year and features may vary for each issue. Consequently, it is very important to ensure that the fact sheet you have corresponds to the issue you want to invest in.

2 The change in the Reference Portfolio’s return has a direct impact on the interest payable. If the Reference Portfolio does not yield at least 2.53% at maturity, the GIC will not produce any variable interest. It is therefore possible that no variable interest will be paid at term. No management fees are applied. The return generated by the Reference Portfolio does not take into account the payment of dividends or distributions on the common stocks included in the Reference Portfolio.

3 The Canadian Advantage 8 Plus GIC is a deposit eligible for deposit insurance from the Canada Deposit Insurance Corporation (CDIC), subject always to maximum coverage limitations and provided the deposit is made in accordance with the conditions set out by the CDIC as indicated in its “Protecting Your Deposits” brochure (available online at www.cdic.ca or by telephone at 1-800-461-2342).

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Canadian Advantage 8 GIC

Type	Principal 100% protected by National Bank of Canada
Investment horizon	3.5 years
Risk level
Variable return	Only known at maturity
Minimum investment	$500
Issue date	March 9, 20121
Presale period	January 16 to March 2, 2012
	or invest outside your RRSP

• 	Index Performance Tracking (6 pages)
  	Find out more (4 pages)
  	Variable-return GICs information statement (Agreement) (12 pages)

  The Variable Interest at maturity is based on the performance of a Reference Portfolio of 20 common stocks from leading Canadian companies².
• The 8 best performing Reference Shares in the Reference Portfolio are automatically assigned a 25% return, regardless of whether their actual return was over or under 25%. The Reference Portfolio's return is then determined according to the arithmetic average of the 20 Reference Shares in the Reference Portfolio
• Maximum Variable Interest at maturity: 25%²
• 3.5-year term.
• Sector diversification corresponding to the Reference Portfolio.
• Eligible for deposit insurance from CDIC³.
• To contribute online, it is required that you have a National Bank of Canada account. Otherwise, please visit one of our branches.

1 More than one issue of the Canadian Advantage 8 GIC may be offered in the same year and features may vary for each issue. Consequently, it is very important to ensure that the fact sheet you have corresponds to the issue you want to invest in.

2 The change in the Reference Portfolio Return has a direct impact on the interest payable. If the Reference Portfolio does not yield a positive return at maturity, the GIC will not produce any variable interest. It is therefore possible that no variable interest is paid at term. No management fees are applied. The return generated by the Reference Portfolio does not take into account the payment of dividends or distributions on the common stocks included in the Reference Portfolio.

3 The Canadian Advantage 8 GIC is a deposit eligible for deposit insurance from the Canada Deposit Insurance Corporation (CDIC), subject always to maximum coverage limitations and provided the deposit is made in accordance with the conditions set out by the CDIC as indicated in its Protecting Your Deposits brochure (available online at www.cdic.ca or by telephone at 1-800-461-2342).

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Diversified GICs

Diversified GICs offer an array of guaranteed investment certificates, allowing for optimal diversification in a single investment solution while ensuring peace of mind due to 100% capital protection and a Guaranteed Interest at maturity. Choose from three distinct investment solutions which combine different weightings in a Fixed-rate GIC, a GIC linked to Canadian equity markets and a GIC linked to global equity markets.

Three turnkey solutions providing principal protection at maturity:

• Diversified GIC – Stability, Series 9, Investors Category
• Diversified GIC – Balanced, Series 9, Investors Category
• Diversified GIC – Performance, Series 9, Investors Category

Type	Principal 100% protected at maturity by National Bank of Canada
Investment horizon	5 years
Risk level
Return (%)	Only known at maturity
Minimum investment	$500
Issue date	February 17, 20121
Presale period	January 16 to February 10, 2012

• 	Index Performance Tracking (6 pages)
  	Find out more (4 pages)
  	Variable-return GICs information statement (Agreement - 19 pages) Diversified GIC – Stability Diversified GIC – Balanced Diversified GIC – Performance

  Principal 100% protected at maturity
• Offers the benefit of an investment solution which combines a Fixed-rate GIC, a GIC linked to Canadian equity markets and a GIC linked to global equity markets.
• Eligible for registered and non-registered accounts
• Non-transferable.
• Product eligible for deposit insurance offered by CDIC³.
• To invest, it is required that you have a National Bank of Canada account. Otherwise, please visit one of our branches.

Diversified GIC	Stability	Balanced	Performance
Guaranteed Interest at maturity	8.90% (1.72% compounded annually)	6.16% (1.20% compounded annually)	3.42% (0.68% compounded annually)
Maximum Interest at maturity	22.90% (4.21% compounded annually)2	28.16% (5.09% compounded annually)2	33.42% (5.94% compounded annually)2
	or invest outside your RRSP	or invest outside your RRSP	or invest outside your RRSP

1 More than one issue of the Diversified GIC may be offered in the same year and features may vary for each issue. Consequently, it is very important to ensure that the fact sheet you have corresponds to the issue you want to invest in.

2 The change in the Reference Asset Return has a direct impact on the Variable Interest. If the Reference Portfolio does not generate a positive price return at maturity that is greater than the Guaranteed Interest, the Diversified GICs will generate only the Guaranteed Interest in addition to the principal invested on the Issue Date.

3 The Diversified GIC is a deposit eligible for deposit insurance from the Canada Deposit Insurance Corporation (CDIC), subject to maximum coverage limitations and provided the deposit is made in accordance with the conditions set out by the CDIC as indicated in its “Protecting Your Deposits” brochure (available online at www.cdic.ca or by telephone at 1-800-461-2342).

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