Natural Resource Guaranteed Investment

Current issue in effect until June 30, 2012

Who should get this investment?

Investors with diversified portfolios. The Natural Resource Guaranteed Investment is ideal if you want to invest in the international natural resources market while protecting your money from exchange rate fluctuations.

Features

Security	Protected by deposit insurance. Capital 100% guaranteed.
Returns	Based on the price variations of natural resources: energy, industrial metals, precious metals and agricultural commodities. Return paid at maturity for the 5-year term will be equal to the index growth2 (maximum appreciation of 40% for each commodity, that is a maximum annual compound rate of 6.96%. Interest paid at maturity2. Protection against exchange rate fluctuations. See returns Example of how the return is calculated (PDF, 30 KB)
Eligible for these plans	Registered plans: TFSA, RRSP, LIRA, locked-in RRSP, RRIF, LIF and RDSP. Non-registered plans.
Income taxation	At maturity if investment is non-registered3.
Other	No commission or administration fees. Eligible for potential member dividends. Invest indirectly in the growth of BRIC economies (Brazil, Russia, India and China).

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	By phone (Members)	Call 1-888-283-8333
	At the branch	Make an appointment with an advisor at a branch.

1. Cash or conversion value may be greater or less than the capital. Conversion value is greater than cash value because of a member loyalty bonus.
2. The return may be nil at maturity.
3. Except interest paid before the issue date.