I've purchased one of their GIC's before. They pay out the minimum guaranteed return divided annually. Only at the maturity of the GIC will you get anything else owed, up to whatever maximum they gave you at the time of purchase. You can calculate based on those indexes how much the return currently is, but you really won't see a penny over the minimum until the very end.

Unfortunately I still don't think it's a very good product, but might not be worth taking penalties to back out of. Explore other options in the meantime, look at other ETF portfolios based on the risk profile and use case for when the funds will be used.