Guaranteed investment certificate (GIC)

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Benefit from progressive interest rate bonuses on certain products once your investments exceed $10,000*. With a GIC from La Capitale, you are guaranteed to come out ahead!

Interest rates

**Which GIC suits you best?**
	Evolution GIC	Traditional GIC	Progressive GIC	Equity Index GIC
Description	GIC that's extended for one year at each investment anniversary. The rate available adjusts based on market conditions for the extension years.	To secure your investment portfolio and ensure stable returns	To grow your investments at interest rates that are guaranteed to go up every year	A gateway to the stock markets for higher potential returns and guaranteed capital at maturity and on death
Type of contract	TFSA, RRSP, LIRA and LRSP². Eligible for HBP and LLP. RRIF and LIF (available as of the spring of 2015).	Non-registered, registered and TFSA	Registered and TFSA	Non-registered, registered and TFSA
Interest	Guaranteed	Guaranteed	Guaranteed	Variable based on a market index, underlying fund or portfolio
Term	3 and 5 years	30 to 270 days, 1 to 5 years, 7 years and 10 years	7 years	5, 7 and 10 years
Redeemable¹	Redeemable and non-redeemable	Redeemable and non- redeemable	Yes	Yes
Minimum investment	$2,500	$500	$500	$500
Portfolio bonus³	Yes	Yes	Yes	No
Guarantee	Capital and returns guaranteed at maturity and on death	Capital and returns guaranteed at maturity and on death	Capital and returns guaranteed at maturity and on death	Capital guaranteed at maturity and on death

*Certain conditions apply.
¹Subject to applicable fees and penalties.
²Federal jurisdiction.
³In order to determine the bonus, the portfolio is defined as the sum of GICs (other than the Equity Index GIC) and the daily interest account (DIA) issued by La Capitale Civil Service Insurer and that are held by the client and his or her spouse (if paired).

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