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Investor Presentaiton

Interest Rate Outlook 101 7 Interest Rates, Canada and U.S. % 6 LO 5 3 2 Bank of Canada Overnight Policy Rate U.S. Federal Funds Rate ID Forecast ■ The Federal Reserve raised the federal funds rate target to the 2.25% to 2.50% range in July. We anticipate an additional 125 bps rate hike across FOMC meetings until the end of the year. This will bring the federal funds rate to 3.75% by the end of 2022. ■ The Bank of Canada (BoC) also raised the overnight rate in July to 2.50% and raised again to 3.25% in September. We expect the BoC to hike the policy rate another 75 bps bringing the terminal rate to 4.00% by year-end. The Federal Reserve and the Bank of Canada are expected to achieve policy rates of 3.75% and 4.00% by 2023, respectively. 0 2000 2002 2005 2008 2011 2013 2016 2019 2022 52 62
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