Scotiabank GIC and Registered Plan Rates
Effective

Rates are provided for information purposes only and are subject to change at any time.

The following rates apply to Canadian dollar deposits made in Canada.

Short Term Non-Redeemable GICs
(Non-Registered: Minimum $5,000, 30 days, RRSPs/RRIFs: Minimum $1,000, 90 days)

Term Current Annual Interest Rate
(Paid at Maturity)
30-59 days
~Short_Term_Non-Redeemable_GICs-30-59D~ %
60-89 days
~Short_Term_Non-Redeemable_GICs-60-89D~ %
90-119 days
~Short_Term_Non-Redeemable_GICs-90-119D~ %
120-149 days
~Short_Term_Non-Redeemable_GICs-120-149D~ %
150-179 days
~Short_Term_Non-Redeemable_GICs-150-179D~ %
180-269 days
~Short_Term_Non-Redeemable_GICs-180-269D~ %
270-364 days
~Short_Term_Non-Redeemable_GICs-270-364D~ %
Effective Date:

Long Term Non-Redeemable GICs
RRSP/RRIF - (Minimum $1,000)
Non-Registered (Annual, Semi-annual: Min $1,000 / Monthly: Min $5,000)

Current Interest Rates
Term Compounded Annually* Paid Annually Compounded Semi-Annually Paid Semi-Annually Paid Monthly
1 Year ~Long_Term_Non-Redeemable_GICs-1-Y~ % ~Long_Term_Non-Redeemable_GICs-1-Y~ % ~semiannual-1-Y~ % ~semiannual-1-Y~ % ~monthly-1-Y~ %
18 Months ~Long_Term_Non-Redeemable_GICs-18-M~ % N/A N/A N/A N/A
2 Years ~Long_Term_Non-Redeemable_GICs-2-Y~ % ~Long_Term_Non-Redeemable_GICs-2-Y~ % ~semiannual-2-Y~ % ~semiannual-2-Y~ % ~monthly-2-Y~ %
3 Years ~Long_Term_Non-Redeemable_GICs-3-Y~ % ~Long_Term_Non-Redeemable_GICs-3-Y~ % ~semiannual-3-Y~ % ~semiannual-3-Y~ % ~monthly-3-Y~ %
4 Years ~Long_Term_Non-Redeemable_GICs-4-Y~ % ~Long_Term_Non-Redeemable_GICs-4-Y~ % ~semiannual-4-Y~ % ~semiannual-4-Y~ % ~monthly-4-Y~ %
5 Years ~Long_Term_Non-Redeemable_GICs-5-Y~ % ~Long_Term_Non-Redeemable_GICs-5-Y~ % ~semiannual-5-Y~ % ~semiannual-5-Y~ % ~monthly-5-Y~ %
Effective Date:

Note: Enquire at your local Scotiabank branch for Non-registered GIC interest rates on terms of 6 to 10 years.
* For registered plans the interest payment frequency is at maturity, compounding annually.

Cashable GICs
RRSP -(Minimum $1,000)
Non-Reg -(Minimum $1,000)
Option Description Term Current Annual Interest Rate
(Paid at Maturity)
Regular Cashable Cashable anytime after 30 days with no interest penalty 1 Year ~Cashable_GICs-1-Y~ %
Effective Date:

Stock-Indexed GICs
RRSP/RRIF -(Minimum $1,000)
Non-Reg -(Minimum $1,000)
Option Term Next Issue Date Interim Interest Rate* Maximum Return for this Issue**
Canadian SIGIC
- Historical Performance
- Current Index Values
~S&P/TSE60-YRS~ YR ~S&P/TSE60-issue_date~ ~S&P/TSE60-INTERIM~ % ~S&P/TSE60-MAX%~ %
US Market SIGIC
- Historical Performance
- Current Index Values
~S&P500-YRS~ YR ~S&P500-issue_date~ ~S&P500-INTERIM~ % ~S&P500-MAX%~ %
G7 SIGIC
- Historical Performance
- Current Index Values
~SCOTIAG7-YRS~ YR ~SCOTIAG7-issue_date~ ~SCOTIAG7-INTERIM~ % ~SCOTIAG7-MAX%~ %
Effective Date:

* Annual interest rate paid on deposit from purchase date to next issue date.
** Maximum return that can be earned over the term of the investment (i.e., not an annual rate), from the issue date to the maturity date. Minimum return is zero.


Accelerated Rate GIC
(Non-registered, RRSP, and RRIF, Minimum $1,000)
Year 1 Year 2 Year 3 Year 4 Year 5 Effective Yield
~Accelerated-Rate_GICs-1-Y~ % ~Accelerated-Rate_GICs-2-Y~ % ~Accelerated-Rate_GICs-3-Y~ % ~Accelerated-Rate_GICs-4-Y~ % ~Accelerated-Rate_GICs-5-Y~ % ~Accelerated-Rate_GICs-YIELD~ %
Effective Date:

The Ultimate LadderedTM GIC
(Non-registered, RRSP, and RRIF - Minimum $5,000)
Posted Rate
3 year: ~Ultimate_GICs-3-Y~ %
5 year: ~Ultimate_GICs-5-Y~ %
Effective Date:

Money Master for RSPsTM account
Annual Interest Rate*** ~Reg._Money_Master_High_Interest--9999999~ %

*** Interest is calculated on the daily closing balance and paid semi-annually, at the end of June and December.

RRSP/RRIF Daily Interest Savings
(Minimum Contribution $100)
Daily Closing Balance Current Annual Interest Rate
Less than $5,000 ~Registered_Daily_Interest_Savings--4999~ %
$5,000 - $24,999 ~Registered_Daily_Interest_Savings--24999~ %
$25,000 - $49,999 ~Registered_Daily_Interest_Savings--49999~ %
$50,000 - $99,999 ~Registered_Daily_Interest_Savings--99999~ %
$100,000 or Greater ~Registered_Daily_Interest_Savings--9999999~ %
Effective Date:

RESP Daily Interest Savings
Current Annual Interest Rate
2.000%
Effective Date:

More rates