As at October 31, 2025

NBI Unconstrained Fixed Income Fund

F Series

Category: Multi-Sector Fixed Income

Investment Objective

To maximize total return, consistent with preservation of capital. The Fund invests, directly or indirectly through investments in securities of other mutual funds or through the use of derivatives, in a diversified portfolio composed mainly of fixed-income securities of issuers located throughout the world with various maturities and credit ratings.

Fund Details

Investment horizon

At least 3 years

Fund volatility

Low

Minimum Initial Investment:

$500

Subsequent Investment:

$50

Systematic Investment:

$25

Distribution Frequency:

Monthly

Assets Under Management ($M):

$2,854.8

Price per Unit:

$8.23

Inception Date:

November 28, 2016

Value of $10,000 since inception:

$11,712

Benchmark Index:

Bloomberg Barclays Global Aggregate Bond Index (CAD Hedged)

Management Fee:

0.75%

MER:

0.97%

Portfolio Manager:

National Bank Investments Inc.

Sub-Advisor:

J.P. Morgan Investment Management Inc.

Management Fee Reduction Plan¹

For High Net Worth investors
Amount Applicable

Level to the level* Reduction
1 First $250,000 0.025%
2 Next $250,000 0.050%
3 In excess of $500,000 0.075%

¹ Subject to satisfying one of the Plan admissibility criteria.
* The levels apply according to the market value of the assets.

Available Fund Codes:

Advisor Series
Initial Sales Charge NBC405
Deferred Sales Charge NBC505
Low Sales Charge NBC605
F Series NBC705
F5 Series NBC5705
O Series NBC335
T5 Series
Initial Sales Charge NBC5405
Deferred Sales Charge NBC5505
Low Sales Charge NBC5605

Portfolio Asset Mix (% of Net Assets)

Foreign Corp Bonds - Invest Gr 30.57%
Foreign high yield bonds 23.90%
Foreign Government Bonds 18.43%
Cash and Equivalents 11.88%
Foreign Corp Bonds - Other 11.38%
Canadian Government Bonds 2.78%
Cdn Corp Bonds - Other 0.76%
Other 0.30%
Credit Rating %
AAA 18.07
AA 6.17
A 13.43
BBB 27.75
BB 23.37
<= B 11.22
Average Duration (Years) 4.71
Average Maturity (Years) 16.03
Gross Yield to Maturity (%) 4.22
Gross Current Yield (%) 5.66
Top Holdings %
Credit default swap , due December 20, 2030 5.58
Canada Government 3.25% 01-Jun-2035 2.41
Federal National Mrtgage Assoc 4.50% 01-Aug-2052 2.05
Government Nationl Mrtg Assc 2 4.50% 20-Jun-2053 1.95
Federal National Mrtgage Assoc 5.50% 01-Jul-2053 1.87
Mexico Government 8.50% 28-Feb-2030 1.63
South Africa Government 9.00% 31-Jan-2040 1.30
Brazil Government 10.00% 01-Jan-2027 1.26
Fannie Mae Pool 5.50% 01-Nov-2055 1.18
Federal Home Loan Mrtgage Corp 5.50% 01-Jul-2053 1.00
Total of Top Holdings of the Fund
(% of Net Assets):
20.23
Total Number of Securities Held: 1245
Geographic Allocation %
United States 57.28
Other 16.47
Canada 9.67
Latin America 7.98
European Union 4.37
Africa and Middle East 3.24
Japan 0.62
Asia/Pacific Rim 0.37

Calendar Returns (%)

YTD 2024 2023 2022 2021 2020 2019
5.82 1.84 5.02 -6.38 -0.02 5.25 9.49

Annualized Returns (%)

1 M 3 M 6 M 1 Y 3 Y 5 Y 10 Y Incp.
0.46 2.46 4.01 6.04 5.47 1.84 - 1.79

The rate of return anticipated on a bond if it is held until the maturity date expressed as an annual rate. It is assumed that all coupons are reinvested at the same rate.

Annual income paid by a bond or a stock, expressed as a percentage of its current market price. It does not include any capital gains or losses that may be realized upon maturity.

As at October 31, 2025

NBI Unconstrained Fixed Income Fund

F Series

Category: Multi-Sector Fixed Income

Disclosure

NBI Mutual Funds (the “Funds”) are offered by National Bank Investments Inc. an indirect wholly owned subsidiary of National Bank of Canada and sold by authorized dealers. Commissions, trailing commissions, management fees and expenses all may be associated with investments in the Funds. Please read the prospectus of the Funds before investing. The indicated rates of return are the historical annual compounded total returns which include changes in the value of securities and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns. The Funds’ securities are not insured by the Canada Deposit Insurance Corporation or by any other government deposit insurer. For money market funds, there can be no assurances that a fund will be able to maintain its net asset value per security at a constant amount or that the full amount of the investment in a fund will be returned. The Funds are not guaranteed, their values change frequently and past performance may not be repeated.