PRIME RATE: 3.75 EFFECTIVE DATE: February 11, 2010

Rates are subject to change without notice: Click here for a Printable Version Click here for service fees

Personal Loan Rates Personal Loans From 5.75% Line of Credit - Variable 3.75% Lines of Credit ( Overdraft Protection ) 5.75% Meritline - Super Member 3.75% Meritline - Others 4.25% Variable rate mortgage 4.75%

Open Term Mortgage Rates   Market Rate HMECU Everyday Best Rate Open 6 months 6.45% 5.50% Open one year 6.45% 5.50% 6 months - convertible 4.65% 3.75%

Closed Term Mortgage Rates   Market Rate HMECU Everyday Best Rate I year 3.60% 2.50% 2 year 3.95% 2.95% 3 year 4.50% 3.50% 4 year 5.04% 3.90% 5 year 5.39% 3.99%

Long Term GIC & RRSP/RRIF   Market Rate HMECU Everyday Best Rate 1 Year 0.40% 1.25% 2 Year 1.15% 1.80% 3 Year 1.45% 2.45% 4 Year 1.60% 2.70% 5 Year 2.00% 3.10%

Short Term GIC - (Minimum $2500)   Market Rate HMECU Everyday Best Rate 30-59 days 0.15% 0.65% 60-89 days 0.15% 0.65% 90-179 days 0.15% 0.65% 180-269 days 0.20% 0.75% 270-364 days 0.20% 0.75% 5 Year - Non Callable

Variable Rate Savings Accounts Investor Savings Account $2500 or more 0.65% Under $2500 0.10%     Tax Free Savings Account 1.00%     Daily Interest Savings 0.10% Life Savings 0.00% Special Deposit 0.10% Advantage 60 0.10%     RRSP/RRIF Variable   $2500 or more 0.35% Under $2500 0.10%     Chequing 0.00% FAT CAT® Kids Savings 0.25%     US Savings   $2500 or more 0.10% Under $2500 0.00%

U.S. Exchange   Member Buying Member Selling Rates effective: March 17, 2010 USD - Cash   1.0400 0.9860 USD - Travellers Cheques     1.0401 1.0330 Exchange rates are subject to change without notice. In the event of a discrepancy between these rates and the official rates posted in our office, the latter shall prevail.

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