GICs & Term Deposits

Redeemable GICs & Term Deposits

Term/Currency	CAD GIC	USD Term Deposit
1 Year	1.75%	0.40%
2 Years	2.00%	0.50%
3 Years	2.25%	0.70%
4 Years	2.50%	0.90%
5 Years	2.75%	1.10%
Rates are as of November 10, 2022 on CAD Redeemable Term Deposits and as of August 4, 2020 on USD Redeemable Term Deposits Early redemption is available only on GICs/Term Deposits with terms of 1 year and above at 0.50% 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.

Terms	C$ Non-Redeemable GICs	US$ Non-Redeemable GICs
1 Month	2.75%	2.75%
2 Months	3.25%	3.25%
3 Months	4.00%	4.00%
6 Months	4.50%	4.50%
9 Months	4.75%	4.75%
1 Year	5.00%	5.00%
15 Months	5.00%	5.00%
18 months	5.00%	5.00%
2 Years	5.00%	5.00%
3 Years	4.50%	4.20%
4 Years	4.50%	4.20%
5 Years	4.50%	4.20%
Rates are as of October 18, 2023 on CAD Non-Redeemable Term Deposits and as of October 18, 2023 on USD Non-Redeemable Term Deposits Minimum of C$/US$ 1,000 is required. All interest rates are expressed on a per annum basis and are subject to change at any time without notice. Non-Redeemable GIC/Term Deposit interest is compounded annually and payable at the end of term. Other conditions may apply.