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» Exchange rates  » Prime rate  » High interest savings account  » Short term deposits  » Cashable term deposits  » Long term deposits  » Registered Products (RRSP, RRIF, RESP)  » Escalator Term Deposits (Non-Redeemable)  » US Term Deposits  » Mortgages

Exchange rates

Updated daily - effective May 12, 2008 subject to change without notice

	Envision buy from member rate	Envision sell to member rate
US dollar - Cash	0.9820	1.0280
US dollar - Cheque	0.9850	1.0250
Sterling Pounds - Cash*	1.8884	2.0466
Sterling Pounds - Cheque**	1.9134	2.0216
Euro - Cheque only	1.5095

NOTE: These are current cheque rates. Rates in effect to maximum of $10,000 USD, 10,000 Euros, and 2,500 Sterling Pounds. If you require an amount in excess of these limits, you must obtain the booked rate from your branch.
*Available at Ladner and Tsawwassen branches
**Available at all branches

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All Interest rates are expressed as an annual percentage; rates subject to change without notice.
Effective:  May 2, 2008
IR# 259

Prime rate

Prime rate = 4.750%

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High interest savings account

Balance	Rate
$0 - $4,999	1.850
$5,000+	2.500

*Interest calculated daily on entire balance and paid monthly. Available as registered or non-registered, however, not eligible for RRIFs, LIFs or RESPs.

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Envision deposit services

Short term deposits

	NON-REDEEMABLE
Duration	$5,000 - $99,999
30-59 days	1.750
60-89 days	1.750
90-119 days	1.800
120-179 days	1.800
180-269 days	1.850
270-364 days	1.900

*Interest paid at maturity

Cashable term deposits

	REDEEMABLE
Duration	Interest paid annually
1 Year*	2.150
18 Months**	2.000

*Redeemable after 30 days
**Redeemable after 6 months

Long term deposits

	NON-REDEEMABLE
Duration	Interest paid annually	Interest paid monthly
1 Year	2.050	1.925
2 Year	2.400	2.275
3 Year	2.550	2.425
4 Year	2.750	2.625
5 Year	3.000	2.875

	REDEEMABLE*
Duration	Interest paid annually	Interest paid monthly
1 Year	1.800	1.675
2 Year	2.150	2.025
3 Year	2.300	2.175
4 Year	2.500	2.375
5 Year	2.750	2.625

	NON-REDEEMABLE
Duration	Interest comp. annually	Yield
1 Year
2 Year	2.400	2.429
3 Year	2.550	2.616
4 Year	2.750	2.866
5 Year	3.000	3.185

Minimum deposit is $1,000

*Subject to 2% redemption penalty; available at select locations, contact your branch for details. For deposits over $100,000 please consult a representative for our high-yielding rates.

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Registered products (RRSP, RRIF, RESP)

Duration	RRSP and RESP term options
	NON-REDEEMABLE	REDEEMABLE*
30-59 days	1.750	—
60-89 days	1.750	—
90-119 days	1.800	--
120-179 days	1.800	—
180-269 days	1.850	—
270-364 days	2.150	—
1 Year	2.050	1.800
2 Year	2.400	2.150
3 Year	2.550	2.300
4 Year	2.750	2.500
5 Year	3.000	2.750

RRSP accounts compounded semi-annually daily interest savings $0-$5,000 0.050 $5,001-$15,000 0.150 $15,001-$30,000 0.250 over $30,000 0.500 — — Group RRSP 2.300 RRIF Account 0.150 — — — — — — — —

Minimum deposit is $500

*Subject to 2% redemption penalty; available at select locations, contact your branch for details.

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Escalator Term Desposits (Non-Redeemable)

3 Year Escalator

Duration	Interest Paid Annually
Year 1	3.000
Year 2	3.500
Year 3	4.750
Average Annual Yield	3.750

5 Year Escalator

Duration	Interest Paid Annually
Year 1	3.000
Year 2	3.500
Year 3	4.000
Year 4	4.250
Year 5	6.500
Average Annual Yield	4.250

* Note: Available as registered or non-registered term deposits, however, not eligible for RRIFs, LIFs or RESPs

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US Term Deposits

Duration	Interest Paid at Maturity
30-59 days	1.700
60-89 days	1.700
90-119 days	1.700
120-179 days	1.700
180-269 days	1.600
270-364 days	1.500

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Mortgages*

	FIRST MORTGAGE
Duration	Closed	APR*	Open
6 mos	6.850	6.949	8.650
1 Year	6.950	7.051	9.100
2 Year	7.000	7.103	—
3 Year	7.000	7.103	—
4 Year	7.200	7.309	—
5 Year	6.990	7.103	—
5 Year Variable	Prime - 0.50%	—	Prime
7 Year	7.350	7.463	—
10 Year	7.700	7.825	—

*Each Annual Percentage Rate (APR) is for a mortgage of $100,000 with monthly payments and a 25-year amortization. APR assumes no fee(s) apply. If we require you to obtain an appraisal, the appraisal fee would increase your APR. Rates subject to change.

	SECOND MORTGAGE
Duration	Closed	APR*	Open
6 mos	7.850	7.979	9.650
1 Year	7.950	8.083	10.100
2 Year	8.000	8.135	–
3 Year	8.000	8.135	—
4 Year	8.200	8.341	—
5 Year	7.990	8.134	—
5 Year Variable	—	—	—
7 Year	8.350	8.497	—
10 Year	8.700	8.859	—

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