Rates are subject to change
without notice.

BEST RATE

1) BEST RATE - MORTGAGE     
     2.94 % 
     Closed Residential Mortgage
     4 Year Term Fixed Rate

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RESIDENTIAL MORTGAGES*
Variable rate starting at 2.50%
Fixed rate:
1 year    2.44%
2 year    2.64%
3 year    2.84%
4 year    BEST RATE - 2.94%
5 year    3.24%
7 year    3.94%
10 year  4.34%

^{* The annual percentage rate (APR)
is equivalent to the annual interest rate (AIR).}

PERSONAL LOANS
Investment Loan starting at Prime Rate
Personal loans of 1 to 10 year terms
at fixed or variable rates - consult
your branch
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TERM DEPOSIT
Redeemable - Fixed Rate
1 year        1.80 %
Minimum deposit of $1,000
Redeemable anytime without penalty
2 to 7 year terms available

TERM DEPOSIT
Non-redeemable - Fixed Rate
(includes RRSP / RRIF / TFSA)
1 year     2.05%
2 year     2.40%
3 year     2.60%
4 year     2.70%
5 year     3.00%
7 year     3.20%
Minimum deposit of $1,000

TERM DEPOSIT - Variable Rate
RRSP / RRIF / TFSA             1.40%
AGRI-INVEST                       2.25%
SAVINGS PLUS 
(personal account)
    up to $100,000                1.40%
    $100,000 to $250,000     1.50%
    $250,000 and up             1.60%
Commercial and Agricultural Accounts
- consult your branch