Guarantee Advantage | Current campaign

Guarantee Advantage – Canadian Diversified allows your clients to invest in the stocks of 20 leading Canadian companies across many industries. Each one has the same weight in the basket.

• Features table

Terms

For the December 2025 campaign, the following terms are available:

• 5 years and 2 days

Important dates for the Canadian Diversified basket

Return options for the December 2025 campaign

Term: 5 years and 2 days

Deposits between $500 and $24,999: Participation rate of 100%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 25.5%
    • Annual return: 4.65%

Deposits between $25,000 and $249,999: Participation rate of 110%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 28.05%*
    • Annual return: 5.07%*

Deposits of $250,000 and more: Participation rate of 120%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 30.6%**
    • Annual return: 5.48%**

The yield of the basket of securities does not take into account the payment of dividends or distributions on shares or other securities included in the basket of securities. The return at maturity is multiplied by the participation rate.

* Return includes a participation rate of 110%.

** Return includes a participation rate of 120%.

The Guarantee Advantage - ESG Global Diversified basket is composed of securities issued by 20 socially and environmentally responsible companies, some of which are viewed as being proactive in the renewable energy sector. Each one has the same weight in the basket. Its diversification helps offset the effects of market instability on its performance and allows you to grow your principal while minimizing its risk exposure.

• Features table

The guaranteed investment's return at maturity will not be affected by changes in exchange rates, even if the security prices are published in foreign currencies.

Term

For the December 2025 campaign, the following term is available:

• 5 years and 2 days

Important dates for the ESG Global Diversified basket

Return options for the December 2025 campaign

Term: 5 years and 2 days

Participation rate of 100%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 24%
  • Annual return: 4.4%

The yield of the basket of securities does not take into account the payment of dividends or distributions on shares or other securities included in the basket of securities. The return at maturity is multiplied by the participation rate.

Guarantee Advantage – Financials allows your clients to invest in the securities of eight Canadian financial institutions that are contributing to the country's economic growth. This is an attractive investment opportunity since these companies have demonstrated their strengths in recent years.

• Features table

The guaranteed investment's return at maturity will not be affected by changes in exchange rates, even if the security prices are published in foreign currencies.

Terms

For the December 2025 campaign, the following terms are available:

• 2 years and 2 days
• 3 years and 2 days
• 5 years and 2 days

Important dates for the Financials basket

Return options for the December 2025 campaign

Term: 2 years and 2 days

Deposits between $500 and $24,999: Participation rate of 100%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 7%*
    • Annual return: 3.44%*

Deposits between $25,000 and $249,999: Participation rate of 110%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 7.7%**
    • Annual return: 3.78%**

Deposits of $250,000 and more: Participation rate of 120%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 8.4%***
    • Annual return: 4.12%***

Term: 3 years and 2 days

Deposits between $500 and $24,999: Participation rate of 100%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 12.5%*
    • Annual return: 4%*

Deposits between $25,000 and $249,999: Participation rate of 110%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 13.75%**
    • Annual return: 4.39%**

Deposits of $250,000 and more: Participation rate of 120%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 15%***
    • Annual return: 4.77%***

Term: 5 years and 2 days

Deposits between $500 and $24,999: Participation rate of 100%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 29%*
    • Annual return: 5.22%*

Deposits between $25,000 and $249,999: Participation rate of 110%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 31.9%**
    • Annual return: 5.69%**

Deposits of $250,000 and more: Participation rate of 120%

• • Guaranteed minimum return: 0%
    • Annual return: 0%
  • Potential maximum return: 34.8%***
    • Annual return: 6.15%***

The yield of the basket of securities does not take into account the payment of dividends or distributions on shares or other securities included in the basket of securities. The return at maturity is multiplied by the participation rate.

* Return includes a participation rate of 100%.

** Return includes a participation rate of 110%.

*** Return includes a participation rate of 120%.

Guarantee Advantage – Global Opportunities is made up of securities from 20 companies operating in a variety of sectors and geographic regions. Each one has the same weight in the basket. Its diversification helps offset the effects of market instability on its performance and allows you to grow your principal while minimizing its risk exposure.

• Features table

The guaranteed investment's return at maturity will not be affected by changes in exchange rates, even if the security prices are published in foreign currencies.

Terms

For the December 2025 campaign, the following terms are available:

• 2 years and 2 days
• 3 years and 2 days
• 4 years and 2 days
• 5 years and 2 days
• 6 years and 2 days
• 7 years and 2 days

Important dates for the Global Opportunities basket

Return options for the December 2025 campaign

Term: 2 years and 2 days

Participation rate of 100%

• Guaranteed minimum return: 2%
  • Annual return: 1%
• Potential maximum return: 5.5%
  • Annual return: 2.71%

Deposits between $500 and $24,999: Participation rate of 100%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 7%
  • Annual return: 3.44%

Deposits between $25,000 and $249,999: Participation rate of 110%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 7.7%*
  • Annual return: 3.78%*

Deposits of $250,000 and more: Participation rate of 120%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 8.4%**
  • Annual return: 4.12%**

Term: 3 years and 2 days

Participation rate of 100%

• Guaranteed minimum return: 3%
  • Annual return: 0.99%
• Potential maximum return: 9.5%
  • Annual return: 3.07%

Deposits between $500 and $24,999: Participation rate of 100%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 12.5%
  • Annual return: 4%

Deposits between $25,000 and $249,999: Participation rate of 110%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 13.75%*
  • Annual return: 4.39%*

Deposits of $250,000 and more: Participation rate of 120%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 15%**
  • Annual return: 4.77%**

Term: 4 years and 2 days

Participation rate of 100%

• Guaranteed minimum return: 4%
  • Annual return: 0.99%
• Potential maximum return: 15.5%
  • Annual return: 3.67%

Deposits between $500 and $24,999: Participation rate of 100%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 20.5%
  • Annual return: 4.77%

Deposits between $25,000 and $249,999: Participation rate of 110%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 22.55%*
  • Annual return: 5.22%*

Deposits of $250,000 and more: Participation rate of 120%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 24.6%**
  • Annual return: 5.65%**

Term: 5 years and 2 days

Participation rate of 100%

• Guaranteed minimum return: 5%
  • Annual return: 0.98%
• Potential maximum return: 23%
  • Annual return: 4.23%

Deposits between $500 and $24,999: Participation rate of 100%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 31%
  • Annual return: 5.55%

Deposits between $25,000 and $249,999: Participation rate of 110%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 34.1%*
  • Annual return: 6.04%*

Deposits of $250,000 and more: Participation rate of 120%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 37.2%**
  • Annual return: 6.53%**

Term: 6 years and 2 days

Deposits between $500 and $24,999: Participation rate of 100%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 40%
  • Annual return: 5.77%

Deposits between $25,000 and $249,999: Participation rate of 110%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 44%*
  • Annual return: 6.27%*

Deposits of $250,000 and more: Participation rate of 120%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 48%**
  • Annual return: 6.75%**

Term: 7 years and 2 days

Deposits between $500 and $24,999: Participation rate of 100%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 85%
  • Annual return: 9.19%

Deposits between $25,000 and $249,999: Participation rate of 110%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 93.5%*
  • Annual return: 9.89%*

Deposits of $250,000 and more: Participation rate of 120%

• Guaranteed minimum return: 0%
  • Annual return: 0%
• Potential maximum return: 102%**
  • Annual return: 10.57%**

The yield of the basket of securities does not take into account the payment of dividends or distributions on shares or other securities included in the basket of securities. The return at maturity is multiplied by the participation rate.

* Return includes a participation rate of 110%.

** Return includes a participation rate of 120%.