Deposit Interest Rates

As of January 30, 2012 at 9:00 AM EST

Guaranteed Investment Certificates

1 year	1.500%
2 year	1.750%
3 year	2.350%
4 year	2.400%
5 year	2.400%

Interest on GICs is calculated Annually and may be paid Annually or
Compounded Annually until Maturity

Additional Interest calculation and payment Options:
Semi-Annual Interest Payment Rates deduct 0.10%
Monthly Interest Payment Rates deduct 0.20%

Short Term Deposits

30-89 days	0.200%
90-179 days	0.200%
180-269 days	0.200%
270-364 days	0.300%
1 year cashable (after 90 days)	0.750%

Interest on Short Term Deposits is calculated Daily and paid on Maturity

Registered Retirement Savings Plan
& Registered Retirement Income Fund

1 year	1.500%
2 year	1.750%
3 year	2.350%
4 year	2.400%
5 year	2.400%

Interest on RRSPs/RRIFs is calculated Annually and
Compounded Annually until Maturity

Daily Interest Chequing/Savings Account

$0-$999.99	0.100%
$1,000-$4,999.99	0.100%
$5,000-$9,999.99	0.100%
$10,000-$24,999.99	0.100%
$25,000 and over	0.200%

Rates subject to change without notice

Further information about our Investment Services and Deposit Products
can be obtained by contacting our Financial Services Division in
Hamilton at (905) 528-8956 or Toronto at (416) 924-4680