Ecoflextra and Ecoflex Guaranteed Interest Fund Rates

As at March 12, 2010

Amount to be Invested* Term $500 to $999** $1,000 to $24,999 $25,000 to $99,999 $100,000 to $199,999 $200,000 to $499,999

1 month renewable***

0.05%

0.05%

0.20%

0.25%

0.30%

1 year

0.05%

0.65%

0.80%

0.85%

0.90%

2 years

0.70%

1.30%

1.45%

1.50%

1.55%

3 years

1.90%

2.50%

2.65%

2.70%

2.75%

4 years

2.15%

2.75%

2.90%

2.95%

3.00%

5 years

2.30%

2.90%

3.05%

3.10%

3.15%

10 years

3.00%

3.60%

3.75%

3.80%

3.85%

*Rates available according to the total guaranteed investments in the contract.
**Less than $500: 1.50% reduction - existing contracts only.
*** This term is not available for Ecoflextra contracts.

SFER-II existing contracts only: 0.10% reduction on fixed terms

Depoflex existing contracts only: 0.20% increase on fixed terms

For amounts of $500,000 or more, contact your representative.

Type of Interest Credited

For investment terms of over one year, you may choose between:

• Compound Interest at the Current Rate
  Compound interest at the current rate is credited annually and can be paid out or reinvested at the current rate.

or

• Compound Interest at the Guaranteed Rate
  Compound interest at the guaranteed rate is credited at the end of the investment term. For investment terms of one year or less, compound interest at the current rate is applied automatically.