Product	1-5 Year Cashable at Early Redemption Rate set at time of purchase
Transaction Fees	No Fees
Deposit Restrictions	No Minimum Deposit No Minimum Balance No Maximum Balance
Currency	Canadian Dollars
Interest Rate	For Current Rates See Above Rates
Rate Tiers	Full Balance Interest
Deposits	Mail Internet Telephone
Rate Guarantee	15 days
Interest Payment Frequency	Calculated Daily, Compounded Annually
Maturity Disbursement Options	Transfer funds to Existing External Canadian Dollar Chequing Account or transfer to existing Canadian Dollar ISA upon request
Interest Disbursement Options	Transfer interest annually to existing Canadian Dollar ISA upon request or interest will be compounded annually
Statements	Upon Initial Deposit (confirmation) Annual Statement
Insurance	CDIC Coverage Eligible

Savings Account and GIC rates are annualized and are current as of today's date and are subject to change without notice.  Interest is calculated daily and paid monthly in the case of our Savings Accounts; and is calculated daily and paid at maturity on a GIC.