Canadian Diversified Market-linked GIC

Features and benefits

100% participation rate - receive the full gains of the Market-Linked GIC over the term, up to a maximum rate (return is based on the cumulative return of the basket of securities)
Principal completely guaranteed at maturity
Earned interest paid at maturity
$100 minimum investment for registered and non-registered accounts
No management fees or commissions
Available for a 2, 3 or 5-year term
Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).

Current sales period details

Rate of Return

Current Offering: September 26, 2023 to November 17, 2023
Minimum cumulative rate over 2-year period: 6.00% (2.96% annualized)
Minimum cumulative rate over 3-year period: 9.00% (2.91% annualized)
Minimum cumulative rate over 5-year period: 15.00% (2.83% annualized)
Maximum cumulative rate over 2-year period: 20.00% (9.54% annualized)
Maximum cumulative rate over 3-year period: 40.00% (11.87% annualized)
Maximum cumulative rate over 5-year period: Unlimited

Stocks	Weight
Agnico Eagle Mines Ltd	5%
Bank of Montreal	5%
Bank of Nova Scotia/The	5%
BCE Inc	5%
Canadian Imperial Bank of Commerce	5%
Canadian Natural Resources Ltd	5%
Canadian Pacific Kansas City Ltd	5%
Emera Inc	5%
Enbridge Inc	5%
Hydro One Ltd	5%
Magna International Inc	5%
Manulife Financial Corp	5%
Nutrien Ltd	5%
Pembina Pipeline Corp	5%
Royal Bank of Canada	5%
Saputo Inc	5%
Thomson Reuters Corp	5%
Toronto-Dominion Bank/The	5%
Wheaton Precious Metals Corp	5%
WSP Global Inc	5%
Total	100%

Canadian Diversified Web Legal Copy Changes September 2023

™Trademarks of Meridian Credit Union Limited. Lengths of terms are subject to change. *Returns are based on the performance of the reference prices of Canadian corporations outlined above and could be nil at maturity. The principal amount of a Meridian Market-Linked GIC is guaranteed and repayable upon maturity. The principal amount and interest earned is covered by deposit insurance. Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).

Meridian’s 2 Year Canadian Diversified Market-Linked GIC offers a minimum guaranteed cumulative rate of return of 6.00% over the entire term. The total interest earned, inclusive of the guaranteed minimum rate of return, will not exceed a Maximum Cumulative Return of 20.00% over the full term of the deposit.

Meridian’s 3 Year Canadian Diversified Market-Linked GIC offers a minimum guaranteed cumulative rate of return of 9.00% over the entire term. The total interest earned, inclusive of the guaranteed minimum rate of return, will not exceed a Maximum Cumulative Return of 40.00% over the full term of the deposit.

Meridian’s 5 Year Canadian Diversified Market-Linked GIC offers a minimum guaranteed cumulative rate of return of 15.00% over the entire term. The total interest earned, inclusive of the guaranteed minimum rate of return, has an unlimited Maximum Cumulative Return over the full term of the deposit.

Data presented is for information purposes only. Past returns are not indicative of future performance. Offer valid until November 17, 2023. Meridian Market-Linked GICs are non-redeemable. Terms and conditions for Meridian Market-Linked GICs are available at your local Meridian branch. All other trademarks, registered trademarks, service marks and trade names are the property of their respective owners. 09/2023