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Guaranteed-Capital Solutions ?

Promotional GICs

Also available as an RRSP

Term

Risk level


Return

Evoluterm GIC

3 years


1st year : %
2nd year : %
3rd year : %

Known final return

5 years




1st year : %
2nd year : %
3rd year : %
4th year : %
5th year : %

Known final return

Non-redeemable Escalarator GIC

3 years

Average rate
%
Preferred rate 3rd year:
%

5 years

Average rate
%
Preferred rate 5th year:
%
Non-redeemable GICs with unconventional terms
15 months

%

Known final return Simple

Compound
20 months % Known final return Simple

Compound

37 months % Known final return Simple

Compound
51 months % Known final return Simple
Compound
58 months Average rate
%
Known final return Simple
Compound
Redeemable Escalarator GIC

3 years

Average rate
%
Preferred rate 3rd year:
%

5 years

Average rate
%
Preferred rate 5th year:
%
GIC redeemable without penalty

12 months

% Known final return

14 months

% Known final return

24 months

% Known final return Simple

Compound
Monthly cash management GIC

Amount invested :
$5,000 to $99,999

% Known final return

Amount invested :
$100,000 to $499,999

% Known final return


$500,000 to $999,999

% Known final return

18 months

% Known final return Simple
Compound

Conventional GICs

Also available as an RRSP or a TFSA

Term

Risk level


Return

Non-Redeemable GIC

1 month

Rate
%
Known final return

3 months

Rate
%
Known final return

6 months

Rate
%
Known final return

1 year

Rate
%
Known final return

18 months

Rate
%
Known final return

2 years

Rate
%
Known final return

3 years

Rate
%
Known final return

4 years

Rate
%
Known final return

5 years

Rate
%
Known final return
Redeemable GIC

1 month

Rate
%
Known final return

3 months

Rate
%
Known final return

6 months

Rate
%
Known final return

1 year

Rate
%
Known final return

2 years

Rate
%
Known final return

3 years

Rate
%
Known final return

4 years

Rate
%
Known final return

5 years

Rate
%
Known final return
TermNote Plus GIC

61 months

Rate
%
Known final return

84 months

Rate
%
Known final return
Redeemable US$ GIC

1 month

Rate
%
Known final return

3 months

Rate
%
Known final return

6 months

Rate
%
Known final return

1 year

Rate
%
Known final return

2 years

Rate
%
Known final return

3 years

Rate
%
Known final return

4 years

Rate
%
Known final return

5 years

Rate
%
Known final return
Non-redeemable US$ GIC

1 month

Rate
%
Known final return

3 months

Rate
%
Known final return

6 months

Rate
%
Known final return

1 year

Rate
%
Known final return

2 years

Rate
%
Known final return

3 years

Rate
%
Known final return

4 years

Rate
%
Known final return

5 years

Rate
%
Known final return

NBC Optimarket GICs (variable return)1

Also available as an RRSP
Term
Risk level

Guaranteed Interest
at maturity

Maximum Interest
at maturity

S&P/TSX 60 Index-Linked (5 years) GIC

3.5 years

N/A

At maturity, the Variable Interest, if any, will not be subject to a cap. However, any positive Reference Index Return as calculated on the Valuation Date will be multiplied by a Participation Factor of 50%2

5 years

N/A

At maturity, the Variable Interest, if any, will not be subject to a cap. However, any positive Reference Index Return as calculated on the Valuation Date will be multiplied by a Participation Factor of 70%2

Diversified GICs

5 years

8.18%
(approximately 1.59% compounded annually)3
20.43%
(approximately 3.79% compounded annually)3

Diversified GIC – Stability
5 years 5.67%
(approximately 1.11% compounded annually)3
24.92%
(approximately 4.55% compounded annually)3

Diversified GIC – Balanced

5 years 3.15%
(approximately 0.62% compounded annually)3
29.40%
(approximately 5.29% compounded annually)3

Diversified GIC – Performance