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All interest rates in this Schedule are per annum and are current to the date noted below.
They may change without notice. Effective September 9, 2010
| Rates | Dundee Bank of Canada Prime Rate | 3.00% | Dundee US$ Investment Savings Account1 | 0.20% | Dundee C$ Investment Savings Account1 | 1.00% |
| Short-Term GIC (Minimum Investment $5,000) | Term | Interest Rate4 | Features | 30 - 59 days | 0.45 % | Rates apply to GICs from $5,000 to $99,999. 99. Rates for amounts of $100,000 and over are available on request. They must be booked and confirmed with Financial Agent Services. | 60 - 89 days | 0.55 % | 90 - 179 days | 0.65 % | 180 -364 days | 0.85 % |
| Long-Term GIC (Minimum investment of $1,000 unless otherwise indicated) | Term | Annual Interest GIC5 | Annual Compound Interest GIC6 | Monthly Interest GIC7
(min. $5,000) | Semi-Annual Interest GIC8 | 1 year | 1.30 % | 1.30 % | 1.175 % | 1.225 % | 1 year Cashable | *0.95 % | - | - | | 18 months | - | - | - | - | 2 years | 1.85 % | 1.85 % | 1.725 % | 1.775 % | 3 years | 2.25 % | 2.25 % | 2.125 % | 2.175 % | 4 years | 2.60 % | 2.60 % | 2.475 % | 2.525 % | 5 years | 2.95 % | 2.95 % | 2.825 % | 2.875 % | DUNDEE PREMIUM Two-Year GIC 13APR12
(Product no longer available for sale)
| Interest Rate6 2.10% | Minimum investment : $1,000
Purchase Period: March 15, to April 9, 2010
Issue Date: April 12, 2010
Maturity Date: April 13, 2012
Redeemable at maturity
| DUNDEE PREMIUM REDEEMABLE Two- Year GIC
17AUG11
(Product no longer available for sale) | Interest Rate10 1.85% Guaranteed rates in effect during the term of the GIC if held to Maturity | Minimum investment: $1,000.
Purchase Period: July 20, to August 14, 2009
Issue Date: August 17, 2009
Maturity Date: August 17, 2011
Redeemable at maturity or early redemption available in whole or in part at predetermined rates. Early Redemption Rates | Dundee Redeemable 2-year GIC | 0 to 89 days | 0% | 90 days to one year less one day | 0.35% | One year to two years less one day | 0.75% |
| DUNDEE PREMIUM REDEEMABLE Three-Year GIC
17AUG12
(Product no longer available for sale) | Interest Rate10 2.45% Guaranteed rates in effect during the term of the GIC if held to Maturity | Minimum investment $1,000
Purchase Period: July 20 to August 14, 2009
Issue Date: August 17, 2009
Maturity Date: August 17, 2012
Redeemable at maturity or early redemption available in whole or in part at predetermined rates. Early Redemption Rates | Dundee Redeemable 3-year GIC | 0 to 89 days | 0% | 90 days to one year less one day | 0.35% | One year to two years less one day | 0.75% | Two years to three years less one day | 1.50% |
| DUNDEE PREMIUM Two-Year GIC 25FEB11, Series 2 (Product no longer available for sale)
| | Minimum investment $1,000
Purchase Period: February 23 to March 4, 2009
Issue Date: March 5, 2009
Maturity Date: February 25, 2011
Redeemable at maturity
| DUNDEE PREMIUM Two-Year GIC 25FEB11, Series 1 (Product no longer available for sale)
| | Minimum investment $1,000
Purchase Period: February 9-20, 2009
Issue Date: February 23, 2009
Maturity Date: February 25, 2011
Redeemable at maturity
| DUNDEE PREMIUM Two- Year GIC 18JUN10 (Product no longer available for sale) | Interest Rate6
4.31% | Minimum investment $1,000.
Issue Date: June 16, 2008
Maturity Date: June 18, 2010
Redeemable at maturity Minimum guaranteed rate in effect during the GIC term, from June 16, 2008 to June 18, 2010. During the Purchase period, interest accrued at the rate of 3.95% p.a., from purchase date to Issue Date. | DUNDEE PREMIUM One- Year GIC
(Product no longer available for sale) | Interest Rate5
5.00% | Minimum investment $1,000.
Issue Date: October 5, 2007
Maturity Date: October 6, 2008
Redeemable at maturity | DUNDEE PREMIUM Two Year GIC
(Product no longer available for sale) | Interest Rate6
4.85% | Minimum investment $1,000.
Issue Date: December 1, 2007
Maturity Date: December 4, 2009
Redeemable at maturity | DUNDEE INDEX-LINKED Three-Year GIC
(Product no longer available for sale) | Interest Rate6
1.00% Return also includes 90% participation in the growth of the S&P/TSX 60 Index over the GIC term | Minimum investment $1,000.
Issue Date: December 17, 2007
Maturity Date: December 17, 2010
Redeemable at maturity | DUNDEE PREMIUM Two Year GIC, Series 2
(Product no longer available for sale) | Interest Rate6
4.00% | Minimum investment $1,000.
Issue Date: March 10, 2008
Maturity Date: March 12, 2010
Redeemable at maturity
Minimum guaranteed rate in effect during the GIC term, from March 10, 2008 to March 12, 2010. During the Purchase period, interest accrued at the rate of 3.75% p.a., from purchase date to Issue Date. | Overdraft Interest Rate9 | 21.00% |
* Cashable GIC rate applies to GICs under $1,000,000.00. Rates for GICs of higher amounts are available on request, they must be confirmed with Financial Agent Services.
1Interest is calculated daily on the opening balance of the account and is paid monthly on the last Friday of each month, or if the last Friday of any month is a holiday, on the immediately preceding business day. Daily interest will be calculated by multiplying the applicable annual interest rate by the daily opening balance, and dividing that amount by 365 or 366 in a leap year.
4 Interest is based on the GIC amount multiplied by the fixed interest rate, multiplied by the number of days of the GIC term and divided by 365; or 366 in a leap year period.
5 On Annual Interest GICs, interest is calculated and paid annually on the anniversary of the investment. Interest is calculated by multiplying the fixed interest rate with the amount of the GIC investment.
6 On Compound Interest GICs, interest is calculated annually (on the anniversary of the investment) by multiplying the fixed interest rate with the amount of the GIC investment plus any accumulated interest. The annual interest is credited (but not paid) and is paid upon maturity of the GIC.
7On Monthly Interest GICs, interest is paid monthly. Interest is calculated by multiplying the fixed interest rate with the amount of the GIC investment divided by 12.
8 On Semi-Annual Interest GICs, interest is paid semi-annually. Interest is calculated by multiplying the fixed interest rate with the amount of the GIC investment, divided by 2.
9 Interest Calculation: Calculated daily based on the day’s closing balance multiplied by the interest rate in effect that day, divided by 365; or 366 in a leap year period. 10 On Compound Redeemable Interest GICs, during the Purchase Period, interest will accrue daily on the amount invested from the purchase date to the Issue Date at the interest rate for the Dundee Investment Savings Account in effect at the time. The investment plus accrued interest to the Issue Date (the “GIC Amount”) will be invested in the Dundee Premium Redeemable GIC. Interest is calculated daily and credited annually on the anniversary of the Issue Date. No interest will be paid if the GIC is redeemed less than 90 days from the Issue Date. If the early redemption option is exercised on or after the 90th day, interest will accrue daily from the Issue Date to the redemption date at the applicable early redemption rate set out above. On each anniversary of the Issue Date, accrued interest at the applicable early redemption rate is credited to the account and reinvested. All interest rates in this Schedule are per annum and are current to the date noted above. They may change without notice. |
