TERM DEPOSIT RATES

Effective October 9, 2008
All rates are per annum and are subject to change without notice.

TERM LENGTH                                       RATE                                     DEPOSIT

1 year redeemable                                         2.00%                                       $500.00

2 year redeemable                                         2.35%                                       $500.00

3 year redeemable                                          2.60%                                       $500.00

4 year redeemable                                         2.70%                                       $500.00

5 year redeemable                                         2.95%                                       $500.00

Early Redeemable Withdrawal Rates

0-30 days                      0%                

31 days to maturity      1%

Non Registered and Registered Retirement Savings Plan

TERM LENGTH                                      RATE                                     DEPOSIT              

30 days to 270 days                                      1.80%                                      $500.00

1 year locked in                                             2.25%                                      $500.00                 

2 year locked in                                             2.60%                                      $500.00             

3 year locked in                                             2.85%                                      $500.00              

4 year locked in                                             2.95%                                      $500.00              

5 year locked in                                             3.50%                                      $500.00  

North Peace Premium Bond           2.60%

Escalator Term                                2.60%

Multiplier Term Deposit

1st year  2.00%

2nd year 2.25%

3rd year 2.50%

4th year 5.50%

5th year 7.00%   

Index Linked Term

60 month

Interest is payable on maturity on all terms less than 1 year.  Interest on terms greater than 1 year is paid annually except for Golden Members where interest may be paid monthly.  Rates for terms over $100,000.00 are subject to quotation.

Registered Retirement Savings Plan

Variable rate 1.50%

Account Rates

Plan 24   

0.25%

Maximizer/Student Choice/Maximizer USD

Over $100      - 0.125%

Over $1,000   - 0.1875%

Over $5,000   - 0.3125%

Over $20,000 - 0.50%

Energy Chequing

0-$1,000              - 0.00%

$1,000 - $9,999    - 0.25%

$10,000 - $99,999 - Prime(-4.00)%

$100,000              - Prime(-3.75)%

Plan-24 Junior

           1.00%

Prime Rate  

           4.50%