MORTGAGE RATES

October 9 , 2008

All rates are per annum and are subject to change without notice

                                                     RESIDENTIAL         FARM            COMMERCIAL

Open                     1 year                          8.00%

Penalty                 1 year                          6.40%                   7.50%                   7.50%

Penalty                 2 year                          6.50%                   7.75%                   7.75%
Penalty                 3 year                          6.60%                   8.00%                   8.00%

Penalty                 4 year                          6.70%                   8.25%                   8.25%

Penalty                 5 year                          6.90%                   8.30%                   8.30%

1 year Variable (Open)                Prime + 1.50%      Prime + 2.00%       Prime + 2.00%

EMPOWERATE PENALTY MORTGAGE        5 year       Prime + 1.00%  CAP 7.75%

20/20 MORTGAGE PAYMENT PROGRAM

Our Unique Mortgage Payment Program provides you with the best opportunity to save on the cost of repaying your mortgage.

• 20% lump sum payment per year
• 20% increase in your monthly payment

Prime Rate                                                                  4.50%

Line of Credit - under $3,000.00                             13.00%

Line of Credit - $3,000.00 and over           Prime + 3.00%

Mortgage Secured Line of Credit          Prime + 1.70%

Temporary                                                                 21.00%

Remember that every dollar paid on your mortgage is a dollar saved in interest.  

Please contact our friendly and experienced lenders for more information or contact us online to get started on your loan application right away.