PRIME RATE: 4.10% EFFECTIVE DATE: July 21, 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 6.10% Line of Credit - Variable 6.10% Lines of Credit ( Overdraft Protection ) 6.10% Meritline - Super Member 4.10% Meritline - Others 4.60% Variable rate mortgage 4.10%

Open Term Mortgage Rates   Market Rate HMECU Everyday Best Rate Open 6 months 6.70% 5.70% Open one year 6.70% 5.70% 6 months - convertible 4.75% 4.60%

Closed Term Mortgage Rates   Market Rate HMECU Everyday Best Rate I year 3.50% 3.00% 2 year 3.85% 3.49% 3 year 4.50% 3.79% 4 year 5.44% 4.15% 5 year 5.79% 4.29%

Long Term GIC & RRSP/RRIF   Market Rate HMECU Everyday Best Rate 1 Year 0.75% 1.25% 2 Year 1.50% 2.00% 3 Year 1.55% 2.50% 4 Year 1.70% 2.75% 5 Year 2.10% 3.25%

Short Term GIC - (Minimum $2500)   Market Rate HMECU Everyday Best Rate 30-59 days 0.20% 0.65% 60-89 days 0.20% 0.65% 90-179 days 0.20% 0.65% 180-269 days 0.25% 0.75% 270-364 days 0.30% 0.75% 5 Year - Non Callable

Variable Rate Savings Accounts Investor Savings Account $2500 or more 0.80% 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 0.40% 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: July 30 , 2010 USD - Cash   1.0596 1.0056 USD - Travellers Cheques     1.0619 N/A USD - Other US Cheques        N/A 1.0056 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.

Index Link Deposit - Stock Market Returns
Investment Guaranteed

* Some Conditions apply. Ask for details.
* all rates are subject to change without notice.