Investing with ATB:

Compound Interest Certificates (CIC)

Take advantage of the earning power of compound interest. CICs are offered to investors who wish to earn a higher rate of interest over a fixed period of time.

The investment advantage of the CIC is that your interest is compounded, and reinvested at the rate of your certificate. Compound interest generally provides for greater growth of your funds. Reinvestment of the interest in your certificate generally provides for a greater return compared to a deposit account. The total interest accumulated through compounding is paid at maturity.

Features:

• Guaranteed interest rate for length of term
  
  
• Interest is determined by the frequency of interest payments and the term of the certificate
  
  
• Minimum deposit for term and interest payment plan:

  $1,000

  1 year to 5 years

  interest compounded annually

  $5,000

  1 year to 5 years

  interest compounded annually

• Only redeemable at maturity, except in the event of death of the registered owner(s).

• You can invest in CICs at anytime.

Options:

• Terms available from 1 to 5 years
  
  
• Bonus rates available for Priority Plan members (some restictions apply) or amounts over $100,000

For your convenience, ATBOnline banking customers
can purchase select GICs through our automated
system. If you would like more information, call us at
1-888-665-9282 or visit your local branch.