Choose
Alberta
GIC
Support Alberta’s growth—and benefit from it, too.
At ATB, our focus is Albertans, so when you open an account or GIC, your money goes
back into the Alberta economy. It becomes a mortgage. A bigger manufacturing shop.
A new pair of skates.
Support your neighbours and local businesses by investing in these unique Guaranteed Income Certificates
(GICs). You’ll enjoy the stability of a 1.75%* guaranteed interest rate PLUS a bonus that’s tied to Alberta’s
unemployment rate.
Quick stats
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Limited-time offer starting July 20161
27-month non-redeemable term
Available in a Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP) or non-registered GIC
Earn 1.75*% (guaranteed!) + Bonus (based on Alberta’s unemployment rate)
Here’s how it works
1.Deposit at least $1,000 into a Choose Alberta GIC or TFSA, or at least $500 into an RRSP.
2. Earn 1.75*% interest, calculated annually, for the 27-month term.
3.On the first working day of the month your GIC matures,
we’ll pull the unemployment rate for Alberta published on
economicdashboard.alberta.ca/unemployment. Your bonus is based
on the most recent month’s Alberta unemployment rate, on the date we
review the rate, and following the guidelines to the right:
4. When your term is up, receive your guaranteed 1.75*% rate
of return. The one-time bonus will be paid out within 30 days.
ALBERTA UNEMPLOYMENT RATE
AT MATURITY (See details below)
ONE-TIME
BONUS RATE
4.5% or less
0.75%
>4.5–7.1%
0.50%
>7.1–12.0%
0.25%
Over 12.0%
0.00%
Payment example
Based on $10,000 deposit with a 4.6% unemployment rate at maturity.
Year 1 = $10,000.00 x 1.75*% = $175.00
Year 2 = $10,175.00 x 1.75*% = $178.06
Final 3 months = $10,353.06 x 1.75*% / 4 = $45.29
Bonus Rate = $10,000.00 x 0.5% = $50.00
Total interest = $448.35
10.00%
Total paid out at maturity = $10,000.00 + $448.35 = $10,448.35
Alberta Historical
Unemployment Rate
5.00%
About the Alberta Unemployment Rate
The unemployment rate used for this bonus calculation is courtesy of the Alberta Economic
Dashboard.2 Check out the historic rates below,
but remember: it’s impossible to predict future rates.
View the current rate at
economicdashboard.alberta.ca/unemployment
1-01-06
6-01-06
11-01-06
4-01-07
9-01-07
2-01-08
7-01-08
12-01-08
5-01-09
10-01-09
3-01-10
8-01-10
1-01-11
6-01-11
11-01-11
4-01-12
9-01-12
2-01-13
7-01-13
12-01-13
5-01-14
10-01-14
3-01-15
8-01-15
1-01-16
0.00%
Learn more at
atb.com/SupportAlberta
*1.75% interest rate as of October 11, 2016. Rates subject to change without notice.
1 - These products are offered subject to availability. ATB Financial reserves the right to withdraw this offer at any time.
2 - If the unemployment rate source data changes, ATB Financial will select an appropriate benchmark at the time of maturity.