Mortgage Rates Effective August 20, 2008

Mortgage Products	Rate - Gold
1 Year Closed	6.70
2 Year Closed	5.99
3 Year Closed	5.47
5 Year Closed	5.47
10 Year Closed	6.69
Adjustable Rate Mortgage (ARM)	Prime *
3 Year Closed Cash Back 1%	6.10
3 Year Closed Cash Back 2%	6.60
3 Year Closed Cash Back 3%	7.10
3 Year 95% LTV with 5% Cash Back	8.20
3 Year 97% LTV with 3% Cash Back	8.20
3 Year BwB CreditFlex Program	Available for Bronze only
5 Year Closed Cash Back 1%	5.77
5 Year Closed Cash Back 2%	6.07
5 Year Closed Cash Back 3%	6.37
5 Year 95% LTV with 5% Cash Back	7.07
5 Year 97% LTV with 3% Cash Back	7.07
5 Year BwB CreditFlex Program	Available for Bronze only
5 Year BwB Rental Property Program	5.47
BwB No GDSR 5-Year Conventional	5.47
Specialty Products
100% Financing	Based on the Gold Rate +0.25%
97% Financing	Based on the Gold Rate +0.25%
Second Mortgages	Based on the Qualifying Rate +0.80%
New to Canada	Based on the Qualifying Rate +0.30%

*Prime = 4.75%

Rates subject to change without notice

Closed Mortgage

A mortgage product that has a strict repayment schedule. Payment amounts are pre-set with optional limited lump sum payments and payment increases as detailed in the loan agreement.

Adjustable Rate Mortgage (ARM)

At the start of an adjustable rate mortgage, the lender will calculate a mortgage payment that includes principal and interest.  As the prime rate changes so will your mortgage rate.

Cash Back

Is an incentive offered by lenders that provides the borrower with 1, 2, 3 or 5 percent cash back upon the mortgage funding. The amount of the cash back is a percentage of the mortgage amount you are borrowing.