Market-linked GICs are a sort of hybrid investment vehicle: part GIC, part stock market investment. A portion of the money you invest is used to guarantee the initial principal at maturity — it is a fixed income investment. Another portion of the amount invested is invested in the stock market. This can be linked to economic sectors or geographic regions. Market-linked GICs usually have a theme to them, such as focusing on an industry, exclusively national, international, emerging-market stocks, or more recently, responsible investing.

Unlike a traditional GIC, a market-linked GIC is tied to a particular stock market index - like financial, healthcare or insurance services - which gives the investor an opportunity to benefit from market gains to a limited maximum.

The basket of securities comprises 20 international companies which have the same weight in the basket. Representing a variety of economic sectors that have been carefully selected for their commitment to the environment and the initiatives they implemented to reduce the environmental impact of their operations.

Companies are selected based on the below 4-step screening process

1. ​Financial health analysis - financial soundness, risk profitability and growth outlook
2. Exclusion screening - companies operating in tobacco, nuclear and arms industries are excluded
3. Environmental Assessment - performance against environmental, social and governance (ESG) and sustainable development leadership
4. Inclusion in the security basket - best performance prospects taking into account geographic and sector diversification.
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​Although past performance is not always indicative of future returns, similar products as the winwin EarthLink™ have recurrently performed close to its maximum potential return rate. Some factors contributing to this performance could be the diversity in companies, sector and stock markets within this product.

Please speak with an advisor to review the underlying securities of this product and full terms and conditions of the winwin® term deposit.

You could experience a higher than usual interest rate payment on the maturity date of a winwin® term depending on the final index performance. In the final year, the interest rate paid would be the difference between the final rate of return minus the minimum rate already paid. Please seek independent tax advice as required for your unique financial situation.