La Capitale's rates Interest rate starting on Monday September 3, 2018 La Capitale Civil Service Insurer

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1 La Capitale's rates Interest rate starting on Monday September 3, 2018 La Capitale Civil Service Insurer CONSULT OUR RATES ON OUR WEBSITE: LA CAPITALE INVESTMENT ACCOUNT Annual returns as at July 31, 2018, redeemable at anytime Management fee* MER of underlying fund YTD 3 months 6 months 1 year 3 years 5 years 10 years Fixed Income Canadian Fixed Income (AGF) 0.00% 1.83% -0.71% 0.37% -0.04% 0.17% -0.42% 1.90% 3.01% Canadian Fixed Income (CI Investments) 0.00% 1.69% -1.04% 0.29% -0.01% -0.05% -0.30% 1.91% 2.96% Global fixed income (CI) 0.00% 2.14% -1.27% -1.39% 0.32% 0.20% -0.25% 3.34% 3.66% Balanced YTD 3 months 6 months 1 year 3 years 5 years 10 years Canadian Balanced (Dynamic) 0.00% 2.42% 1.53% 4.20% 1.89% 4.73% -0.33% 3.63% 3.74% Canadian Balanced (Fidelity) 0.00% 2.29% 2.78% 3.40% 2.69% 7.97% 2.09% 6.80% 5.48% Global Balanced (AGF) 0.00% 2.64% 1.30% 1.54% 0.24% 6.31% 3.93% 8.20% 3.66% Diversified Income (Fidelity) 0.00% 2.28% 0.36% 2.13% 1.31% 2.00% 2.32% 4.49% 5.74% Diversified Income (Dynamic) 0.00% 2.25% 0.82% 3.32% 0.62% 4.89% 2.64% 5.28% Global Diversified Income (Fidelity) 0.00% 2.42% 2.44% 2.41% 2.47% 7.21% 3.46% 8.79% 6.35% Canadian Equity YTD 3 months 6 months 1 year 3 years 5 years 10 years Canadian Dividend (AGF) 0.00% 2.15% 2.95% 7.22% 4.48% 11.11% 8.41% 7.94% 4.59% Canadian Dividend (Fidelity) 0.00% 2.30% 1.31% 3.39% 2.68% 4.57% 3.92% 6.11% 5.96% Canadian Equity Income (Dynamic) 0.00% 2.14% 2.74% 6.28% 3.13% 7.95% 8.35% 8.92% 7.90% Canadian Equity (Dynamic) 0.00% 2.40% 2.74% 6.04% 2.99% 7.36% -0.02% 5.29% 3.85% Canadian Equity (Fidelity) 0.00% 2.46% 3.23% 6.14% 4.71% 9.53% 4.22% 8.40% 4.30% Small Capitalization Canadian Equity (Dynamic) 0.00% 2.48% -0.08% 2.09% 1.13% 4.76% 7.36% 7.92% 9.11% Low Volatility Canadian Equity (TDAM) 2.40% 0.00% 0.35% 4.97% 2.50% 5.79% 4.34% 6.99% U.S. and International Equity YTD 3 months 6 months 1 year 3 years 5 years 10 years American Equity (Dynamic) 0.00% 2.45% 16.23% 9.79% 11.13% 23.72% 11.43% 15.49% 9.18% American Equity (Fiera) 0.00% 2.27% 11.20% 10.21% 6.85% 23.54% 11.11% Low Volatility American Equity (TDAM) 0.00% 2.24% 6.01% 7.37% 6.60% 13.89% 10.34% Global Equity - Discovery (Dynamic) 0.00% 2.46% 10.07% 4.54% 5.27% 15.82% 9.89% 14.33% 8.00% Low Volatility Global Equity (TDAM) 2.50% 0.00% 2.87% 2.35% 1.79% 8.90% 6.10% 11.14% Global Equity (Fiera) 0.00% 2.39% 7.69% 6.77% 3.54% 16.89% 9.62% 14.83% Global Dividend (TDAM) 0.00% 2.51% 0.93% 3.24% 0.93% 6.89% 3.51% 9.52% 6.63% Global Infrastructure Equity (Dynamic) 0.00% 2.54% 0.54% 3.51% 2.36% 4.35% 7.27% 9.68% 7.88% Emerging Markets (AGF) 0.00% 3.05% -0.08% -3.71% -4.49% 5.32% 5.41% 5.53% 4.31% Canadian Portfolios YTD 3 months 6 months 1 year 3 years 5 years 10 years Conservative profile (Meritage) 0.00% 2.10% -0.14% 1.55% 0.53% 1.99% 1.71% 2.88% 3.58% Moderate profile (Meritage) 0.00% 2.14% 0.59% 2.30% 1.08% 3.79% 2.94% 4.35% 4.51% Balanced profile (Meritage) 0.00% 2.39% 0.95% 2.98% 1.35% 5.06% 3.69% 5.14% 5.07% Growth profile (Meritage) 0.00% 2.39% 1.45% 3.77% 1.92% 6.49% 4.69% 6.32% 5.87% Agressive profile (Meritage) 0.00% 2.73% 2.03% 4.25% 2.25% 7.70% 5.34% 6.97% 6.08% International Portfolios YTD 3 months 6 months 1 year 3 years 5 years 10 years Conservative profile (AGF) 0.00% 2.03% 0.19% 0.82% 0.25% 2.76% 2.23% 4.69% 4.49% Moderate profile (AGF) 0.00% 2.37% 0.75% 0.67% 0.33% 4.22% 2.37% 5.54% 3.96% Balanced profile (AGF) 0.00% 2.38% 1.44% 1.19% 0.47% 6.27% 3.43% 6.96% 4.62% Growth profile (AGF) 0.00% 2.38% 3.00% 1.70% 0.73% 8.97% 4.60% 8.80% 5.21% Agressive profile (AGF) 0.00% 2.53% 3.73% 1.86% 0.63% 10.81% 5.43% 10.31% 5.16% Daily Interest Current interest YTD 3 months 6 months 1 year 3 years 5 years 10 years Daily Interest investment account 0.010% 0.00% 0.00% R 5

2 MAX Evolution GIC 2,3 ($25,000 minimum investment) 4 Annual simple interest or compound interest Non redeemable or redeemable MAX GIC 2,3 ($25,000 minimum investment) 4 Annual simple interest or compound interest Non redeemable Inital rate Promotional first year rate Effective rate On an indicative basis Inital rate Promotional first year rate Effective rate $ and more New Money Annual Loyalty extension bonus* $ and more New Money RRSP / LIRA / RRIF/LIF TFSA 1 year 2.000% 0.000% 2.000% 3 years 2.500% 0.000% 2.500% % % 2 years 2.250% 0.000% 2.250% 5 years 2.900% 0.510% 3.000% % % 3 years 2.500% 0.000% 2.500% R 5 4 years 2.700% 0.000% 2.700% Non-redeemable or redeemable (-0.250% adjustment) 5 years 2.900% 0.510% 3.000% * The loyalty bonus is added to the current base rate to determine the extension rate. The bonus can vary from time to time as determined R,UR 5 by the insurer. The base rate used for the extension will be the redeemable rate, based on the initial term of the investment. Annual Evolution GIC ($2,500 minimum investment) 4 Simple interest 6 or compound interest Non redeemable or redeemable (adjustment of % to the published rate) $2 500 & + $10,000 & + $50,000 & + $100,000 & + $200,000 & + $350,000 & + RRSP / LIRA / TFSA RRIF/LIF Redeemable 3 years 1.150% 1.200% 1.250% 1.300% 1.350% 1.400% % % 5 years 1.500% 1.550% 1.600% 1.650% 1.700% 1.750% % % R 5 Portfolio 7 Loyalty extension bonus* Based on actual hypothesis * The loyalty bonus is added to the current base rate to determine the extension rate. The bonus can vary from time to time as determined by the insurer. The base rate used for the extension will be the redeemable rate, based on the initial term of the investment and the value of the Portfolios at the time of initial purchase. Resulting maximum extension rate % % TRADITIONAL GIC 4 Traditional GIC: Simple 6 or compound interest / Non redeemable / Redeemable (adjustment of % to the published rate) Special terms GIC +: Simple and compound interest / Non redeemable Portfolio 7 $500 & + $10,000 & + $50,000 & + $100,000 & + $200,000 & + $350,000 & + 1 year 0.850% 0.900% 0.950% 1.000% 1.050% 1.100% 2 years 1.050% 1.100% 1.150% 1.200% 1.250% 1.300% 3 years 1.150% 1.200% 1.250% 1.300% 1.350% 1.400% 4 years 1.300% 1.350% 1.400% 1.450% 1.500% 1.550% 5 years 1.500% 1.550% 1.600% 1.650% 1.700% 1.750% 7 years 1.650% 1.700% 1.750% 1.800% 1.850% 1.900% 10 years 1.950% 2.000% 2.050% 2.100% 2.150% 2.200% R, UR, PB 5 for traditional GIC only

3 Rate increased with a reduced commission (applies only for Traditional GIC and GIC Evolution) Rate increase Reduced commission 0.05% 15% 0.10% 30% 0.15% 45% 0.20% 60% 0.25% 75% Equity Index GIC 4 (Redeemable / Compound Interest) Index available: Low Volatility Canadian Equity (TDAM) Guarantee at maturity Fixed participation rates 90% 100% 110% 115% Participation Index* 5 years 29.00% 13.50% years 42.50% 22.50% years 73.00% 47.50%** 21.50% - Other index available: S&P/TSX60 Guarantee at maturity 500 $ et % 1.400% 1.700% Fixed participation rates 90% 100% 110% 115% 500 $ et + Participation Index* 5 years 29.00% 12.50% % 7 years 38.50% 20.00% % 10 years 65.00% 42.00%** 19.00% % R, UR 5 Waiting period rate : Unregistered : *The fixed participation is 100% minus the index participation. **GIC 10yr + Redeemable 1 year GIC rate - simple interest Guarantee at maturity is capped at a maximum of 100% for all terms Issue offered until : Starting date : September 21, 2018 September 28, 2018 LIFE INSURANCE LIFE-SAVER INTEREST BONUS OTHER TERMS - LIFE INSURANCE Transaction account 0.050% 6 th -10 th yrs 0.500% Policy loan at variable rate: 6.500% Liquid funds account 0.050% 11 th yr and % Premium on deposit: 0.850% Fixed rate 3 years 0.150% ROP-GIFT: 3.000% Fixed rate 5 years 0.500% Interest rate credited on death benefit: 0.260% Fixed rate 10 years 1.000% Yield of marketable long term bonds (LifeAnew): 2.270% Suspense account 0.850%

4 INDEXED ACCOUNTS - LIFE-SAVER 9 Annual returns as at July 31, 2018 Management fee MER of underlying fund 1 year 3 years 5 years 10 years Canadian Bond Index 3.00% 0.00% -2.66% -0.37% 0.70% 2.53% Canadian Equity Index 3.00% 0.00% 1.42% 2.47% 6.55% 2.20% American Equity Index % 0.00% 3.63% 9.92% 15.68% 8.93% International Equity Index % 0.00% 4.91% 4.51% 8.63% 2.54% Canadian Equity (Dynamic) 1.50% 2.40% 7.36% -0.02% 5.29% 3.85% Canadian Dividend (AGF) 1.50% 2.15% 11.11% 8.41% 7.94% 4.59% American Equity (Dynamic) 1.50% 2.45% 23.72% 11.43% 15.49% 9.18% Global Equity (Dynamic) 1.50% 2.51% 3.94% 4.04% 7.85% 3.52% Canadian Balanced (Dynamic) 1.50% 2.42% 4.73% -0.33% 3.63% 3.74% Global Balanced (AGF) 1.50% 2.64% 6.31% 3.93% 8.20% 3.66% Conservative profile (Meritage) 1.50% 2.03% 1.99% 1.71% 2.88% 3.58% Moderate profile (Meritage) 1.50% 2.37% 3.79% 2.94% 4.35% 4.51% Balanced profile (Meritage) 1.50% 2.38% 5.06% 3.69% 5.14% 5.07% Growth profile (Meritage) 1.50% 2.38% 6.49% 4.69% 6.32% 5.87% Agressive profile (Meritage) 1.50% 2.53% 7.70% 5.34% 6.97% 6.08% DISBURSEMENT PRODUCTS La Capitale Financial Security products IMMEDIATE ANNUITIES AND LIFEANEW (CODE) Premium Annuity code Annuity Rider (303) 3.50% $15,000 to $499,999 AO2ABA1D Annuity Rider (905) 5.00% $500,000 and + Contact your MGA Annuity Rider (909) 3.50% You have to use the 6 digits code in the quotation tool for all annuity types and guarantee periods Carl Létourneau Mark Holden - Savings Jennifer Santos Andrew Gardiner NOTES 1) Credited performance is the net return in canadian dollars. Variation in the exchange rate may impact the investment value either upwards or downwards. 2) 0.200% commission, no reimbursement of transfer fees. 3) Portfolios bonus doesn't apply. 4) For amounts over $500,000, contact your MGA. 5) R = Registered (RRSP, RRIF and TFSA only), UR = Unregistered, PB = Portfolios Bonus. 6) Adjustment on simple interest GIC : semester = % quaterly = % monthly = %. 7) The portfolio is defined as the sum of GICs (other than the Equity Index GIC) and the daily interest account (DIA) issued by La Capitale Civil Service Insurer and La Capitale Insurance and Financial Services that are held by the client and his or her spouse (if paired). 8) For new money only (cheque and external transfers). If a combination (new money and renewal), the bonus will be prorated to the new money invested. Amounts deposited in the transactional account will be recognized as new money for 60 days. Contact your MGA for amounts higher than $250,000. 9) The rates of return are only shown as an indication to illustrate the approximate yields which would have been earned by the Investment Accounts if they had existed over the given period. Past returns do not guarantee future returns in any way. These returns include all management fees.

5 - $ 0.000% $ 0.050% $ 0.100%