CANADIAN RATE LADDER 3.18% ▲ 5-YEAR GoC YIELD SNAPSHOT  |  AS OF AUGUST 7, 2026

Source: Bank of Canada, Trading Economics, Canada Revenue Agency, Investing.com, August 5-7, 2026.  |  hdq.ca

CRA: PRESCRIBED RATE 3% FLAT QUARTERLY  |  Q1 2024 TO Q4 2026

Source: Canada Revenue Agency, KPMG Prescribed Interest Rates tables, Advisor.ca.  |  hdq.ca

CAD/USD: MONTHLY AVERAGE VALUE OF THE LOONIE 70.89¢ ▼ 0.48% FROM JUNE MONTHLY  |  AUG 2025 TO JUL 2026

Source: Bank of Canada, monthly average foreign exchange rates, August 2025 to July 2026.  |  hdq.ca

T.TO: QUARTERLY DIVIDEND PER SHARE $0.1875 ▼ 55.2% QUARTERLY  |  SEP 2021 TO OCT 2026

Source: StockAnalysis.com, TELUS dividend history via S&P Global Market Intelligence, and TELUS press release, July 31, 2026.  |  hdq.ca

GOLD, AUGUST FUTURES $4,112.90 ▲ ABOVE $4,100 DAILY  |  JUN 9 TO JUL 31, 2026

Source: Investing.com daily futures settlements, Yahoo Finance, Fortune, CNBC.  |  hdq.ca

TSX SESSION MOVERS, WEDNESDAY CLOSE -18.64% ▼ ALLIED GOLD SESSION  |  JULY 29, 2026

Source: Investing.com, TradingEconomics, TSX session data, July 29, 2026.  |  hdq.ca

RATES THAT TOUCH YOUR PLANNING 3.00% FROZEN Q3 2026  |  AS OF JUL 29 2026

Source: Canada Revenue Agency Q3 2026 prescribed interest rates, Bank of Canada rate announcements and T-bill yields, TradingEconomics, July 2026.  |  hdq.ca

SIX CANADIAN RATES, ONE MORNING 3.97% best 5yr fixed mortgage Snapshot  |  July 28, 2026

Source: Bank of Canada, Canada Revenue Agency, Trading Economics, broker-channel advertised rates.  |  hdq.ca

CRA PRESCRIBED RATE 3% Unchanged, 5th straight quarter Quarterly  |  Q4 2023 to Q3 2026

Source: Canada Revenue Agency quarterly prescribed rate announcements, Advisor.ca and Investment Executive reporting.  |  hdq.ca

NEW TARIFFS AGAINST CANADA-US TRADE SCALE $28B ▼ 5% of goods exports Annual  |  2023 to 2025 figures

Source: Global Affairs Canada monthly trade report; Canada Trade Commissioner Service; Wine Institute 2025 export data.  |  hdq.ca

CRA — PRESCRIBED RATE 3% HOLD QUARTERLY  |  Q1 2022 TO Q3 2026

Source: Canada Revenue Agency, Income Tax Regulations section 4301, quarterly prescribed rate announcements.  |  hdq.ca

RATE LADDER: POLICY TO MORTGAGE 3.99% ▲ +0.05pp in 5 days BEST INSURED 5Y FIXED  |  JUL 21 2026

Source: Bank of Canada, Trading Economics, Ratehub.ca, Jul 15 to Jul 21 2026.  |  hdq.ca

CRA — PRESCRIBED INTEREST RATE 3% ▶ UNCHANGED QUARTERLY  |  Q1 2022 TO Q3 2026

Source: Canada Revenue Agency, prescribed interest rates, Q1 2022 to Q3 2026.  |  hdq.ca

CRA PRESCRIBED RATE 3% ▬ UNCHANGED QUARTERLY  |  Q1 2022 TO Q3 2026

Source: Canada Revenue Agency, prescribed interest rates, Q1 2022 to Q3 2026.  |  hdq.ca

GOC YIELDS: 3-MONTH BILL VS 5-YEAR AND 10-YEAR 2.25% 3-month bill, Jul 7 Selected dates  |  Mar 3 to Jul 16, 2026

Source: Trading Economics, Government of Canada benchmark and Treasury bill yields, selected dates Mar 3 to Jul 16 2026.  |  hdq.ca

GOC 5-YEAR YIELD vs CRA PRESCRIBED RATE 3.16% ▲ +14BPS SINCE JUL 3 DAILY  |  JUN 1 TO JUL 16 2026

Source: Trading Economics, bondyieldwatch.ca, Canada Revenue Agency prescribed rate notice, Jun 1 to Jul 16 2026.  |  hdq.ca

SBD LIMIT: FEDERAL PASSIVE INCOME GRIND $0 ▼ FULLY ELIMINATED AT $150K AAII ANNUAL  |  AAII $50K TO $150K

Source: Income Tax Act s.125(5.1), Department of Finance Canada passive income business limit reduction formula.  |  hdq.ca

CRA PRESCRIBED RATE: FAMILY LOANS 3% ◆ UNCHANGED QUARTERLY  |  Q1 2025 TO Q3 2026

Source: Canada Revenue Agency, prescribed interest rates by quarter, 2025 to 2026.  |  hdq.ca

SECTION 232 | TARIFF RATE BY CATEGORY 50% CEILING RATE CURRENT  |  AS OF JULY 2026

Source: Global Affairs Canada trade commissioner tariff guidance and Congressional Research Service IN12519, current as of July 2026.  |  hdq.ca

COMBINED SMALL BUSINESS TAX RATE, ACTIVE INCOME UP TO $500,000 11.7% ▼ -0.5pp BY JURISDICTION  |  2026

Source: Ontario 2026 Budget, PwC Canada Tax Insights, BDO Canada.  |  hdq.ca