PRIME RATE: 4.30% EFFECTIVE DATE: January 20, 2012

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

Personal Loan Rates Personal Loans From 6.30% Line of Credit - Variable 6.30% Lines of Credit ( Overdraft Protection ) 6.30% Meritline - Super Member 4.30% Meritline - Others 4.80% Variable rate mortgage 4.30% Variable 5 Year Closed Mortgage 3.10%

Open Term Mortgage Rates     HMECU Rate Open 6 months   5.70% Open one year   5.70% 6 months - convertible   4.45%

Closed Term Mortgage Rates     HMECU Rate I year   3.29% 2 year   3.69% 3 year   3.79% 4 year   3.84% 5 year   3.89%

Long Term GIC & RRSP/RRIF     HMECU Rate 1 Year   1.00% 2 Year   1.30% 3 Year   1.40% 4 Year   1.60% 5 Year   1.85%

Short Term GIC - (Minimum $2500)     HMECU Rate 30-59 days   0.50% 60-89 days   0.50% 90-179 days   0.50% 180-269 days   0.75% 270-364 days   0.75% 5 Year - Non Callable

Variable Rate Savings Accounts Investor Savings Account $2500 or more 0.75% 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 0.25% 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: February 3, 2012 USD - Cash   1.0247 .9787 USD - Travellers Cheques     1.0207 N/A USD - Other US Cheques        N/A .9787 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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