BRIDGEWATER BANK

	Mortgage Programs
	Rates
	Service Fees
	Prepayment and Charges
	Bond Yields

Mortgage Rates Effective July 21, 2010

Mortgage Products	*Rate - Gold (APR)**
1 Year Closed	5.99
2 Year Closed	5.75
3 Year Closed	3.79
5 Year Closed	4.49
10 Year Closed	6.89
3 Year Closed Cash Back 1%	4.29
3 Year Closed Cash Back 2%	4.79
5 Year Closed Cash Back 1%	4.79
5 Year Closed Cash Back 2%	5.09
5 Year BwB Rental Property Program	4.49
BwB No GDSR 5-Year Conventional	4.49
Specialty Products
Second Mortgages	Based on the BwB Mortgage Rate Term +0.80%
New to Canada	Based on the BwB Mortgage Rate Term +0.30%

Prime = 2.75%
Rates subject to change without notice

*The Annual Percentage Rate (APR) and the annual interest rate are the same, assuming that no fee(s) apply. If we require an appraisal or other services, the fees for those services will increase the APR.

For loans with a greater loan to value ratio (LTV) than 80%, the qualifying interest rate used to calculate GDS and TDS are:
Fixed term 5 years or more: Contract Rate
Fixed term less than 5 years and all variable rates: The greater of the contract rate, or the benchmark rate (5 year conventional rate, V121764) published by the Bank of Canada available online.