How is the Market+ guaranteed return paid?

A Market+ program pays a 3% or 4.20% annual guaranteed return. This annual return equals 3% or 4.20% of your initial investment and is deposited into your investment account after the end of your investment program’s first, second, and third years. This cash payment can be withdrawn at any time. When you sign up for Market+, you'll select whether you want a 3% or 4.20% annual guaranteed return.