Guaranteed Interest Option Rates

Today's rates, 03 September 2010

Rates are subject to change

Term	Band 1* under $50,000	Band 2* $50,000 to $99,999	Band 3* $100,000 and up
1 year	0.750%	0.875%	1.000%
1.5 year	0.750%	0.875%	1.000%
2 year	1.300%	1.425%	1.550%
2.5 year	1.300%	1.425%	1.550%
3 year	1.875%	2.000%	2.125%
3.5 year	1.875%	2.000%	2.125%
4 year	2.250%	2.375%	2.500%
4.5 year	2.250%	2.375%	2.500%
5 year	2.625%	2.750%	2.875%
6 year	2.750%	2.875%	3.000%
10 year	3.125%	3.250%	3.375%

Treasury Interest Option:	0.500% (banding not applicable)
Daily Interest Option:	0.500% (banding not applicable)

* based on total policy value

For full interest income payments or amounts greater, and payments other than annual, please deduct 0.25% from the above rates. Minimum deposit to a Guaranteed Interest Option is $500. Interest rates quoted are effective annual yields.

What is a Guaranteed Interest Option?

Guaranteed Interest Options (GIOs) pay a fixed rate of interest over a specified term. Interest is paid on the Treasury Interest Option and Daily Interest Option on a daily basis. Rates may change daily. Unlike other term deposits or GICs, our GIOs are cashable at any time. If you withdraw funds from a GIO before the end of its term, early surrender charges may apply.