| Issue Date | Term/Fixed Return | Initial Index Level | Index Level | Cumulative Appreciation1 | Max Appreciation at Maturity2 |
|---|---|---|---|---|---|
|
|
5 years
|
100.00
|
105.48
|
7.50%
|
50.00%
|
|
|
5 years
|
100.00
|
105.78
|
7.50%
|
50.00%
|
|
|
5 years
|
100.00
|
107.67
|
7.67%
|
50.00%
|
|
|
5 years
|
100.00
|
108.04
|
8.04%
|
35.00%
|
|
|
5 years
|
100.00
|
131.16
|
25.00%
|
25.00%
|
|
|
5 year
|
100.00
|
120.58
|
20.58%
|
37.50%
|
|
|
5 years
|
100.00
|
118.50
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
112.21
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
111.04
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
114.59
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
125.27
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
125.73
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
127.95
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
133.79
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
144.70
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
156.02
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
162.27
|
15.00%
|
15.00%
|
|
|
5 years
|
100.00
|
159.35
|
18.00%
|
18.00%
|
|
|
5 years
|
100.00
|
190.44
|
20.00%
|
20.00%
|
|
|
5 years
|
100.00
|
143.92
|
20.00%
|
20.00%
|
|
|
5 years
|
100.00
|
153.03
|
20.00%
|
20.00%
|
|
|
5 years
|
100.00
|
137.28
|
20.00%
|
20.00%
|
|
|
5 years
|
100.00
|
140.69
|
20.00%
|
20.00%
|
|
|
5 years
|
100.00
|
143.60
|
25.00%
|
25.00%
|
| Issue Date | Term/Fixed Return | Initial Index Level | Index Level | Cumulative Appreciation3 | Max Appreciation at Maturity2 |
|---|---|---|---|---|---|
|
|
5 years
|
100.00
|
101.71
|
5.12%
|
48.00%
|
|
|
5 years
|
100.00
|
102.00
|
6.00%
|
42.00%
|
|
|
5 years
|
100.00
|
114.44
|
42.00%
|
42.00%
|
|
|
5 years
|
100.00
|
109.79
|
31.81%
|
38.35%
|
|
|
5 years
|
100.00
|
109.58
|
31.13%
|
44.85%
|
|
|
5 years
|
100.00
|
113.56
|
42.00%
|
42.00%
|
|
|
5 years
|
100.00
|
111.74
|
35.23%
|
42.00%
|
|
|
5 years
|
100.00
|
111.13
|
33.38%
|
42.00%
|
|
|
5 years
|
100.00
|
125.20
|
28.00%
|
28.00%
|
|
|
5 years
|
100.00
|
118.98
|
24.00%
|
24.00%
|
|
|
5 years
|
100.00
|
115.17
|
14.00%
|
14.00%
|
|
|
5 years
|
100.00
|
109.49
|
14.00%
|
14.00%
|
|
|
5 years
|
100.00
|
105.48
|
14.00%
|
14.00%
|
|
|
5 years
|
100.00
|
109.52
|
14.00%
|
14.00%
|
|
|
5 years
|
100.00
|
124.28
|
14.00%
|
14.00%
|
|
|
5 years
|
100.00
|
124.70
|
14.00%
|
14.00%
|
|
|
5 years
|
100.00
|
125.18
|
14.00%
|
14.00%
|
|
|
5 years
|
100.00
|
135.29
|
14.00%
|
14.00%
|
|
|
5 years
|
100.00
|
147.00
|
14.00%
|
14.00%
|
|
|
5 years
|
100.00
|
137.28
|
28.00%
|
28.00%
|
|
|
5 years
|
100.00
|
160.13
|
13.13%
|
13.13%
|
|
|
5 years
|
100.00
|
175.07
|
14.00%
|
14.00%
|
|
|
5 years
|
100.00
|
162.27
|
19.00%
|
19.00%
|
|
|
5 years
|
100.00
|
159.35
|
22.00%
|
22.00%
|
|
|
5 years
|
100.00
|
190.44
|
30.00%
|
30.00%
|
|
|
5 years
|
100.00
|
143.92
|
28.00%
|
28.00%
|
|
|
5 years
|
100.00
|
152.74
|
26.00%
|
26.00%
|
|
|
5 years
|
100.00
|
140.69
|
30.00%
|
30.00%
|
|
|
5 years
|
100.00
|
143.60
|
29.75%
|
29.75%
|
| Issue Date | Term/Fixed Return | Initial Index Level | Index Level | Cumulative Appreciation3 | Max Appreciation at Maturity2 |
|---|---|---|---|---|---|
|
|
3 years
|
100.00
|
112.24
|
12.24%
|
25.00%
|
|
|
5 years
|
100.00
|
112.24
|
12.24%
|
|
|
|
3 years
|
100.00
|
114.67
|
14.67%
|
25.00%
|
|
|
5 years
|
100.00
|
114.67
|
14.67%
|
|
|
|
3 years
|
100.00
|
114.00
|
14.00%
|
25.00%
|
|
|
5 years
|
100.00
|
114.00
|
14.00%
|
65.00%
|
|
|
3 years
|
100.00
|
108.16
|
8.16%
|
25.00%
|
|
|
3 years
|
100.00
|
108.16
|
8.16%
|
65.00%
|
|
|
3 years
|
100.00
|
110.95
|
10.95%
|
25.00%
|
|
|
5 years
|
100.00
|
110.95
|
10.95%
|
60.00%
|
|
|
3 years
|
100.00
|
115.13
|
15.00%
|
15.00%
|
|
|
5 years
|
100.00
|
115.13
|
15.13%
|
35.00%
|
|
|
3 years
|
100.00
|
113.00
|
7.01%
|
13.00%
|
|
|
5 years
|
100.00
|
113.00
|
13.00%
|
27.50%
|
|
|
3 Years
|
100.00
|
106.59
|
6.59%
|
7.00%
|
|
|
5 years
|
100.00
|
106.59
|
6.59%
|
11.00%
|
|
|
3 Years
|
100.00
|
100.71
|
1.00%
|
7.00%
|
|
|
5 years
|
100.71
|
95.36
|
3.00%
|
11.00%
|
|
|
3 years
|
100.00
|
97.70
|
1.00%
|
7.00%
|
|
|
5 years
|
100.00
|
97.70
|
3.00%
|
11.00%
|
|
|
3 years
|
100.00
|
110.11
|
7.00%
|
7.00%
|
|
|
5 years
|
100.00
|
110.11
|
10.11%
|
11.00%
|
|
|
3 years
|
100.00
|
109.91
|
7.00%
|
7.00%
|
|
|
5 years
|
100.00
|
109.91
|
9.91%
|
11.00%
|
|
|
3 years
|
100.00
|
110.09
|
7.00%
|
7.00%
|
|
|
5 years
|
100.00
|
110.09
|
10.09%
|
11.00%
|
|
|
5 years
|
100.00
|
109.20
|
9.20%
|
11.00%
|
|
|
3 years
|
100.00
|
109.20
|
7.00%
|
7.00%
|
|
|
5 years
|
100.00
|
115.62
|
11.00%
|
11.00%
|
|
|
3 years
|
100.00
|
112.55
|
7.00%
|
7.00%
|
|
|
5 years
|
100.00
|
130.20
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
131.95
|
11.00%
|
11.00%
|
|
|
5 years
|
100.00
|
150.57
|
15.00%
|
15.00%
|
|
|
5 years
|
100.00
|
154.63
|
16.50%
|
16.50%
|
|
|
5 years
|
100.00
|
155.92
|
25.00%
|
25.00%
|
|
|
5 years
|
100.00
|
175.09
|
25.00%
|
25.00%
|
|
|
5 years
|
100.00
|
122.22
|
22.00%
|
22.00%
|
|
|
5 years
|
100.00
|
126.85
|
20.20%
|
22.00%
|
|
|
5 years
|
100.00
|
131.25
|
22.00%
|
22.00%
|
|
|
5 years
|
100.00
|
137.80
|
22.00%
|
22.00%
|
|
|
5 years
|
100.00
|
134.37
|
22.00%
|
22.00%
|
| Issue Date | Term/Fixed Return | Initial Index Level | Index Level | Cumulative Appreciation | Max Appreciation at Maturity |
|---|---|---|---|---|---|
|
|
3 years
|
100.00
|
106.69
|
6.69%
|
43.00%
|
|
|
3 years
|
100.00
|
10.42
|
3.36%
|
38.00%
|
|
|
3 years
|
100.00
|
118.31
|
18.31%
|
35.00%
|
|
|
3 years
|
100.00
|
111.73
|
3.78%
|
14.08%
|
* Rates are subject to change without notice at any time.
** Deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).
1 The indicated percentage represents the appreciation of the index in relation to its initial level. The appreciation takes into account the annual limits stipulated in the deposit agreement. Your capital is guaranteed but the return may be nil. The displayed return (not expressed as an annual compound return) shows the trend for the issue date indicated.
2 Maximum appreciation at maturity: This product has a ceiling that determines the maximum amount you may receive at maturity.
3 The indicated percentage represents the appreciation of the index in relation to its initial level. This appreciation takes into account the characteristics of each indexed term savings product: it was raised for issues with a participation rate over 100%, and also considers participation rates that are lower than the index growth, if applicable. The appreciation also takes into account, if applicable, the annual higher and lower limits stipulated in the deposit agreement. Your capital is guaranteed but the return may be nil. The return indicated (not expressed as an annual compound return) illustrates the trends of the various issues.