Rates are as of July 5, 2012.
Early redemption is available only on GICs/Term Deposits with terms of 1 year and above at 0.75% for CAD GICs and 0.25% for USD Term Deposits (interest is paid only if early redemption is made at least 6 months after opening the GIC/Term Deposit). No interest is paid for early redemption on GICs/Term Deposits with terms of 1 year and above if the redemption is made within 6 months of opening the GIC/Term Deposit. GIC and Term Deposit interest is compounded annually and payable at the end of term. Minimum of 1,000 is required in the currency of deposit. All interest rates are expressed on a per annum basis and are subject to change any time without notice. Other conditions may apply.