Ecoflextra and Ecoflex Guaranteed Interest Fund Rates

As at December 19, 2008

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**

-0.10%

0.50%

0.65%

0.70%

0.75%

1 year

1.05%

1.65%

1.80%

1.85%

1.90%

2 years

1.55%

2.15%

2.30%

2.35%

2.40%

3 years

1.90%

2.50%

2.65%

2.70%

2.75%

4 years

2.45%

3.05%

3.20%

3.25%

3.30%

5 years

2.75%

3.35%

3.50%

3.55%

3.60%

10 years

2.55%

3.15%

3.30%

3.35%

3.40%

*Rates available according to the total guaranteed investments in the contract.
** This term is not available for Ecoflextra contracts.

UAG, VIP, and RRIF other than Ecoflex (existing contracts only): -0.25% 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.