Market-Linked GIC Investments

Published by HSBC Investment Funds (Canada) Inc. (“HIFC”)

* HIFC is a direct subsidiary of HSBC Global Asset Management (Canada) Limited (“AMCA”) and an indirect subsidiary of HSBC Bank Canada and provides its services in all provinces of Canada except Prince Edward Island. AMCA is a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada.

Market-Linked GIC (MLGIC) is distributed through HSBC Investment Funds (Canada) Inc. but is issued by a third party.  MLGIC is available for specific HSBC Investment Fund (Canada) Inc. account types:  non-registered accounts, Locked-In Retirement Account (LIRA), Registered Retirement Saving Plan (RRSP), Registered Retirement Income Fund (RRIF), Life Income Fund (LIF), Registered Education Savings Plan (RESP) and Tax-Free Savings Account (TFSA).

^† The MLGIC details:

• 3-year and 5-year MLGIC non-redeemable unless otherwise indicated
• Variable interest payment is subject to positive performance of the underlying market or sector. The “starting point” (or initial value) to calculate performance may change with each issue. The performance on a MLGIC is also dependent on any participation rate, interest rate cap or guaranteed minimum interest rate, or a combination of these².
• Variable interest (if earned) is not compounded and is paid on the maturity date according to the terms in the relevant Information Statement.  If there is a minimum interest rate it will be accrued annually for non-registered accounts and issued a T5 slip on every anniversary date.
• Unless otherwise indicated, MLGICs can not be redeemed prior to the maturity date, except in the case of death. For more information regarding redeeming at the death of the MLGIC holder, please refer to the Information Statement for the relevant MLGIC.
• Please review the Market-Linked GIC Client Summary and Information Statement² for complete details

¹ Canadian Deposit Insurance Corporation

Third party Market-Linked GIC distributed by HIFC may be eligible, up to a certain dollar amount, for insurance under the Canada Deposit Insurance Corporation Act (CDIC) with the issuing bank. Learn more about CDIC and how CDIC Deposit Insurance works:

• Visit https://www.cdic.ca/your-coverage/protecting-your-deposit
• Read "Protecting Your Deposits." Visit CDIC to download a copy.

² Please visit MLGIC Distributed by HIFC for performance and fee information and review the corresponding MLGIC Client Summary and Information Statement for complete details. Past performance of the underlying market is not indicative of future returns.

All products and services of HIFC are only available for sale to residents of Canada unless the laws of a foreign jurisdiction permit sales to its residents. Please contact our mutual fund representatives for more details. The contents of this site should not be considered an offer to sell or a solicitation to buy products or services to any person in a jurisdiction where such offer or solicitation is considered unlawful.

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