Rates

INTEREST RATES – effective July 21/10
PRIME RATE	3.25%

REGULAR SAVINGS	0.00%
PLAN 24 SAVINGS	0.60%
IBC YOUTH / SERVICE CLUBS	0.60%
IBC – tiered
$0 to $999.99	0.00%
$1,000.00 to $ 4,999.99	0.25%
$5,000.00 to $9,999.99	0.60%
$10,000.00 & OVER	1.00%
TFSA – tiered
$0 to $4,999.99	0.50%
$5,000.00 to $9,999.99	0.75%
$10,000 & OVER	1.00%
AGRI-INVEST – tiered
$0 to 4,999.99	0.50%
$5,000.00 to $9,999.99	0.75%
$10,000.00 and OVER	1.00%
TERM DEPOSITS	Redeemable	Non-Redeemable
30 – 59 days	0.70%
60 – 80 Days	0.70%
90 - 179 Days	0.70%
180 – 269 Days	1.00%
270 – 364 Days	1.20%
TERM DEPOSITS - including TFSA
12 – 17 Months	1.50%
18 – 29 MOnths	1.75%
30 – 36 Months	2.00%
48 Months	2.40%	2.50%
60 Months	2.60%	2.75%
R.R.S.P
Variable	1.00%
1 – 9 months		0.75%
10 – 11 Months		1.00%
12 – 17 Months		1.50%
18 – 29 Months		1.75%
30 – 36 Months		2.00%
48 Months		2.50%
60 Months		2.75%
R.R.I.F
Variable	1.00%
12 – 17 Months		1.50%
18 – 29 Months		1.75%
30 – 36 Months		2.00%
48 Months		2.50%
60 Months		2.75%

EARLY REDEMPTION PENALTY: The lessor of 3% of the principle amount of the term deposit or the accrued interest (plus interest already paid in the case of a 2, 3, 4 or 5 year term deposit)