The protection of a GIC combined with the return potential of the market

Key Benefits

• 100% principal protected at maturity
• Eligible for the CDIC deposit insurance
• Market exposure, allowing for higher potential return than conventional fixed-rate GICs

Duo Strategy - new!
National Bank S&P/TSX 60 Index-linked GIC
Canadian Advantage 8 Plus GIC simple interest
Canadian Advantage 8 Plus GIC compound interest
Canadian Advantage 8 GIC
Global Precision 10 GIC

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

National Bank S&P/TSX 60 Index-linked GIC

Type	Principal 100% protected by National Bank
Investment horizon	3.5 years and 5 years
Risk level
Return (%)	Only known at maturity
Minimum investment	$500
Issue date	September 1, 20101
Presale period	June 21 to August 25, 2010
	3.5-year term or invest outside your RRSP	5-year term or invest outside your RRSP

• 	Index Performance Tracking (PDF: 5 pages)
  	Find out more (PDF: 2 pages)
  	Variable-return GICs information statement (Agreement) (PDF: 13 pages)

  Return tied to the S&P/TSX 60^TM index, which provides exposure to the stock market without the attendant risk of loss of principal.
• Enables you to benefit from gains in the value of a portfolio consisting of shares in 60 of Canada’s leading companies in different sectors of activity.
• Potential return may be as much as:
  • 17.50% over a 3 and a half year period, which translates into an annual compound return of about 4.72%².
  • 35.00% over a 5-year period, which translates into an annual compound return of about 6.19%².
• Non-transferable.
• Product eligible for deposit insurance offered by the CDIC³.
• To contribute online, it is required that you have a National Bank account. If not, please visit one of our branch.

1 More than one issue of the National Bank S&P/TSX 60^TM Index-linked 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 benchmark index, which reflects the change in the underlying portfolio's return, has a direct impact on the interest payable. It is therefore possible that no interest will be paid. No management fees are applied. The return generated by the index does not reflect the payment of dividends or regular distributions on shares or other securities included in the index.

3 The National Bank S&P/TSX 60^TM Index-linked 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).

^TM “Standard & Poor’s”, “S&P” and “S&P/TSX 60” are The McGraw-Hill Companies, Inc. trademarks used under license by National Bank of Canada and Natcan Trust Company. “TSX” is The Toronto Stock Exchange trademark used under license by National Bank of Canada and Natcan Trust Company.

Top of page

Canadian Advantage 8 Plus GIC simple interest

Type	Principal 100% protected by National Bank
Investment horizon	5 years
Risk level
Variable return (%)	Only known at maturity
Minimum investment	$500
Issue date	September 1, 20101
Presale period	June 21 to August 25, 2010
	Available only in non-registered version

• 	Index Performance Tracking (PDF: 5 pages)
  	Find out more (PDF: 4 pages)
  	Variable-return GICs information statement (Agreement) (PDF: 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 45% return, regardless of whether their actual return was over or under 45%. The Reference Portfolio's return is then determined according to the arithmetic average of the 20 Reference Shares in the Reference Portfolio².
• Guaranteed Annual Interest of 1.45% annually³.
• Return potential : 45% including the Maximum Variable Interest of 37.75% and the five payments of the Guaranteed Annual Interest of 1.45%².
• 5-year term.
• Sector diversification corresponding to the Reference Portfolio.
• Eligible for deposit insurance from the CDIC⁴.
• Available in branches only in non-registered version (qualifies for registered plans, but not available through National Bank branches).
• To invest online, it is required that you have a National Bank account. If not, please visit one of our branch.

1 More than one issue of the Canadian Advantage 8 GIC Plus 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 at least 7.25% at term, 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 interest 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 If the Canadian Advantage 8 Plus GIC simple interest is not held in a registered account or a registered plan, depending on the case, depositors must include the 1.45% interest paid in income for the year in which such interest is paid.

4 The Canadian Advantage 8 GIC Plus 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).

Top of page

Canadian Advantage 8 Plus GIC compound interest

Type	Principal 100% protected by National Bank
Investment horizon	5 years
Risk level
Variable return	Only known at maturity
Minimum investment	$500
Issue date	September 1, 20101
Presale period	June 21 to August 25, 2010
	or invest outside your RRSP

• 	Index Performance Tracking (PDF: 5 pages)
  	Find out more (PDF: 4 pages)
  	Variable-return GICs information statement (Agreement) (PDF: 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 45% return, regardless of whether their actual return was over or under 45%. 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 7.46% and will be limited to a maximum of 45% 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 account. If not, please visit one of our branch.

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 7.46% 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).

Top of page

Canadian Advantage 8 GIC

Type	Principal 100% protected by National Bank
Investment horizon	3.5 years
Risk level
Variable return	Only known at maturity
Minimum investment	$500
Issue date	September 1, 20101
Presale period	June 21 to August 25, 2010
	or invest outside your RRSP

• 	Index Performance Tracking (PDF: 5 pages)
  	Find out more (PDF: 4 pages)
  	Variable-return GICs information statement (Agreement) (PDF: 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 35.00% return, regardless of whether their actual return was over or under 35.00%. 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 : 35.00%²
• 3 and a half 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 account. If not, please visit one of our branch.

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.

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).

Top of page

Global Precision 10 GIC

Type	Principal 100% protected at maturity by National Bank
Investment horizon	5 years
Risk level
Return (%)	Only known at maturity
Minimum investment	$500
Issue date	September 1, 20101
Presale period	June 21 to August 25, 2010
	or invest outside your RRSP

• 	Index Performance Tracking (PDF: 5 pages)
  	Find out more (PDF: 4 pages)
  	Variable-return GICs information statement (Agreement) (PDF: 13 pages)

  Its Variable Interest is calculated after removing the bottom five and top five performing Reference Shares and is contingent on the price appreciation of the ten middle performing Reference Shares.
• By targeting the ten middle performing Reference Shares of a basket of 20 shares, the objective is to reduce the Reference Portfolio Return’s volatility.
• The Maximum Variable Interest is 50.00%, which is equal to an annual compound return of approximately 8.45%².
• Ensures geographic and sector diversification.
• 5-year term.
• Non-transferable.
• Product eligible for deposit insurance offered by CDIC³.
• To invest, it is required that you have a National Bank account. If not, please visit one of our branch.
  

1 More than one issue of the National Bank Global Precision 10 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 Variable Interest. If the Reference Portfolio Return is not positive at maturity, the Global Precision 10 GIC will produce no Variable Interest. It is therefore possible that no return other than the principal invested on the Issue Date will be paid at term. The Reference Share Return is a price return, and will not take into account dividends paid in respect of the Reference Share.

3 The National Bank Global Precision 10 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).

Top of page