Jan 31st/ 2013

Current Variable Mortgage Rate is 2.90% Current Prime Rate is 3.00%

Terms         Bank Rates      Our Rates

6 Months*     4.45%                    3.95%

1 Year*          3.50%                    2.74%

2 Years *       3.55%                    2.69%

3 Years *       4.05%                    2.75%

4 Years *      4.79%                    2.99%

5 Years *        5.29%                    2.94%

7 Years         6.35%                    3.99%

10 Years       6.75%                    3.79%

Some conditions may apply.  Rates subject to change without notice. *O.A.C.

E.& O.E.