Tax-Free Guaranteed Investment (GIC)

Current Rate:	1 Year 1.25% 1½ Year 1.50% 2 Year 1.75% 3 Year 2.50% 4 Year 2.50% 5 Year 3.00%
as of 12/10/2009

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

Contact FAS by phone, fax and online

Call: 1-888-464-3496 or in Toronto at (416) 497-4701
Fax: 1-877-609-4870 or in Toronto at (416) 497-9445