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.
| Security | Stock market | Currency |
|---|
| Bank of Montreal | Toronto | Canadian dollar |
| Bank of Nova Scotia | Toronto | Canadian dollar |
| Canadian Imperial Bank of Commerce | Toronto | Canadian dollar |
| Intact Financial Corp. | Toronto | Canadian dollar |
| Manulife Financial Corp. | Toronto | Canadian dollar |
| National Bank of Canada | Toronto | Canadian dollar |
| Royal Bank of Canada | Toronto | Canadian dollar |
| Sun Life Financial Corp. | Toronto | Canadian dollar |
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 February 2026 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
| 2 years and 2 days | 3 years and 2 days | 5 years and 2 days |
|---|
|
Initial date | February 10, 2026 | February 10, 2026 | February 10, 2026 |
|
Specific business days | December 10, 2027
January 11, 2028
February 10, 2028 | December 11, 2028
January 10, 2029
February 9, 2029 | December 10, 2030
January 10, 2031
February 10, 2031 |
|
Maturity date | February 12, 2028 | February 12, 2029 | February 12, 2031 |
|
Deadline for deposits | January 21, 2026 | January 21, 2026 | January 21, 2026 |
Return options for the February 2026 campaign
Term: 2 years and 2 days
Deposits between $500 and $24,999: Participation rate of 100%
- Guaranteed minimum return:
0%
- Potential maximum return:
6.5%*
Deposits between $25,000 and $249,999: Participation rate of 110%
- Guaranteed minimum return:
0%
- Potential maximum return:
7.15%**
Deposits of $250,000 and more: Participation rate of 120%
- Guaranteed minimum return: 0%
- Potential maximum return:
7.8%***
Term: 3 years and 2 days
Deposits between $500 and $24,999: Participation rate of 100%
- Guaranteed minimum return:
0%
- Potential maximum return:
11%*
Deposits between $25,000 and $249,999: Participation rate of 110%
- Guaranteed minimum return:
0%
- Potential maximum return:
12.1%**
Deposits of $250,000 and more: Participation rate of 120%
- Guaranteed minimum return:
0%
- Potential maximum return: 13.2%***
Term: 5 years and 2 days
Deposits between $500 and $24,999: Participation rate of 100%
- Guaranteed minimum return:
0%
- Potential maximum return:
25%*
Deposits between $25,000 and $249,999: Participation rate of 110%
- Guaranteed minimum return:
0%
- Potential maximum return:
27.5%**
Deposits of $250,000 and more: Participation rate of 120%
- Guaranteed minimum return:
0%
- Potential maximum return:
30%***
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%.
