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Mortgage Rates Effective July 21, 2010

Mortgage Products	*Gold (APR)**	*Silver (APR)**	*Bronze (APR)**
1 Year Closed	5.99	6.84	7.34
2 Year Closed	5.75	6.60	7.10
3 Year Closed	3.79	4.64	5.14
5 Year Closed	4.49	5.34	5.84
10 Year Closed	6.89	7.74	8.24
3 Year Closed Cash Back 1%	4.29	5.14	5.64
3 Year Closed Cash Back 2%	4.79	5.64	6.14
5 Year Closed Cash Back 1%	4.79	5.64	6.14
5 Year Closed Cash Back 2%	5.09	5.94	6.44
5 Year BwB Rental Property Program	4.49	NA	NA
BwB No GDSR 5-Year Conventional	4.49	5.34	5.84

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%

Underwriting Criteria	Gold	Silver	Bronze
Rate hold of 90 days on all products	No worse than an R2 rating over the past 24 months.	No worse than an R3 rating over the past 24 months.	Discharged bankrupts, explainable slow credit, or recent paid.

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, V11764) published by the Bank of Canada available online.