This 2-minute video explains how to earn Vitality PointsTM and convert them into rewards.

Four things you may not know about your Advantage Account When you get a new bank account, most banks ask you to choose between a great interest rate, no fees and the ability to bank the way you want. With your Advantage Account, you don’t have to choose. Here are four things you may not know about your Advantage Account: One. You have access to all the features of a chequing account. You can send an e-Transfer to your brother. Tap to pay for tonight’s take-out. And use our mobile app to deposit that cheque your parents sent you for your birthday. Two. You can bank for free. When you keep a thousand dollars in your account, there are no fees for any of your daily banking transactions (fees apply for daily banking transactions when your balance is below $1,000). Three. You earn a great rate of interest on every dollar in your account. Because you deserve to earn interest on your money. Four. You can access your account at thousands of ATMs across Canada with no convenience fee. Check out our website to find one near you. With your Advantage Account, you can have it all.

When it comes to buying travel insurance in Canada, Faline thinks Manulife is one of the best companies around. She was in Hawaii when a rogue wave broke her spine. Her coverage took care of the medical bills, helping her to focus on her health. www.coverme.com/travel-insurance.html

In the latest video update: • Highlights from Russell Investments’ 2024 Global Market Outlook • Could a recession strike the U.S. next year? • Our chief investment strategist’s parting words for investors Disclosures These views are subject to change at any time based upon market or other conditions and are current as of the date at the top of the page. Investing involves risk and principal loss is possible. Past performance does not guarantee future performance. Forecasting represents predictions of market prices and/or volume patterns utilizing varying analytical data. It is not representative of a projection of the stock market, or of any specific investment. This material is not an offer, solicitation or recommendation to purchase any security. Nothing contained in this material is intended to constitute legal, tax, securities or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The general information contained in this publication should not be acted upon without obtaining specific legal, tax and investment advice from a licensed professional. The information, analysis and opinions expressed herein are for general information only and are not intended to provide specific advice or recommendations for any individual entity. Please remember that all investments carry some level of risk. Although steps can be taken to help reduce risk it cannot be completely removed. They do no not typically grow at an even rate of return and may experience negative growth. As with any type of portfolio structuring, attempting to reduce risk and increase return could, at certain times, unintentionally reduce returns. Investments that are allocated across multiple types of securities may be exposed to a variety of risks based on the asset classes, investment styles, market sectors, and size of companies preferred by the investment managers. Investors should consider how the combined risks impact their total investment portfolio and understand that different risks can lead to varying financial consequences, including loss of principal. Please see a prospectus for further details. Indexes are unmanaged and cannot be invested in directly. Copyright © Russell Investments Group LLC 2023. All rights reserved. This material is proprietary and may not be reproduced, transferred, or distributed in any form without prior written permission from Russell Investments. It is delivered on an “as is” basis without warranty. CORP-12374 Date of first use Dec 2023

• Assessing U.S. recession risks for 2024 • What to pay attention to during U.S. earnings season • What does the latest economic data suggest about growth in China? Disclosures These views are subject to change at any time based upon market or other conditions and are current as of the date at the top of the page. Investing involves risk and principal loss is possible. Past performance does not guarantee future performance. Forecasting represents predictions of market prices and/or volume patterns utilizing varying analytical data. It is not representative of a projection of the stock market, or of any specific investment. This material is not an offer, solicitation or recommendation to purchase any security. Nothing contained in this material is intended to constitute legal, tax, securities or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The general information contained in this publication should not be acted upon without obtaining specific legal, tax and investment advice from a licensed professional. The information, analysis and opinions expressed herein are for general information only and are not intended to provide specific advice or recommendations for any individual entity. Please remember that all investments carry some level of risk. Although steps can be taken to help reduce risk it cannot be completely removed. They do no not typically grow at an even rate of return and may experience negative growth. As with any type of portfolio structuring, attempting to reduce risk and increase return could, at certain times, unintentionally reduce returns. Investments that are allocated across multiple types of securities may be exposed to a variety of risks based on the asset classes, investment styles, market sectors, and size of companies preferred by the investment managers. Investors should consider how the combined risks impact their total investment portfolio and understand that different risks can lead to varying financial consequences, including loss of principal. Please see a prospectus for further details. Indexes are unmanaged and cannot be invested in directly. Copyright © Russell Investments Group LLC 2024. All rights reserved. This material is proprietary and may not be reproduced, transferred, or distributed in any form without prior written permission from Russell Investments. It is delivered on an “as is” basis without warranty. CORP-12389 Date of first use Jan 2024

PIMCO Group CIO Dan Ivascyn discusses the key implications for bonds, stocks, and cash as central banks hold rates at elevated levels. Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Blog: http://blog.pimco.com Terms and conditions: pimco.com/socialmedia

Protecting your employees when it matters most

Do you think you have enough travel insurance coverage through your employee benefits or credit card? You may want to think again. Financial expert Shannon Lee Simmons explains the limitations of travel coverage through employee benefit programs and credit cards.