Loan Fees
	Consumer Loans	Educational (Local or Overseas)	Debt Consolidation
Administration Fee	1% of loan ($200 minimum)	1% of loan ($200 minimum)	1% of loan ($200 minimum)
Late Payment Fees	$35	$35	$35

Mortgage Fees
	First Legal Mortgage	Second Mortgage (Deed of Further Charge)	Home Equity
Administration Fee	1% of mortgage (minimum of $2,500)	1% of addition to current mortgage ($500 minimum)	1% of addition to current mortgage ($500 minimum)
Appraisal Fee	$375	$375	$375
Inspection Fee	$275	$275	$275
Late Payment Fee	$35	$35	$35
Outstanding Insurance Premium Fee	$125	$125	$125

Credit Reference Fees
	Credit Reference
Student Reference	$20 each
Standard Reference (includes Bank to Bank)	$30 each
Additional Copies	$15 each

Fees effective 4 January 2010.

Mortgage Rates
Variable	Maximum 30-year term	6.75%

Mortgage rate effective 1 May 2010.

Mortgage rates will vary.  Please consult a Personal Banking Representative at your Banking Centre or call our Mortgage Hotline at (441) 298 4799 for details.