Strata Savings Account Fees:

	Strata Savings	Statement Savings
Average Daily Balance Required	$100	$100
Monthly Maintenance Fee - if Average Daily Balance not maintained	$2 (Fee waived for Seniors and Youth)	$2 (Fee waived for Seniors and Youth)
Banking Centre Debit Transactions:	$2 each - first 6 per month are free. (Fee waived for Seniors)	$2 each if account balance is less than $5,000. (Fee waived for Seniors)
Set Up Fee	No charge	No charge
Dormancy Fee (after 1 year of inactivity)	$3 per month if balance is under $2,500 (Fee waived for Seniors and Youth)	$3 per month if balance is under $2,500 (Fee waived for Seniors and Youth)
Fee for foreign bank cheque requiring special collection handling	$65 + any charges by the foreign bank for processing and remitting funds	$65 + any charges by the foreign bank for processing and remitting funds
ATM Transactions	No charge	No charge
Non-scheduled Statement Request	$7.50 each	$7.50 each
Scheduled Additional Statements	$5 each	$5 each
Copy of Statement for Prior Months	$7.50 each	$7.50 each
Copies of Transactions	$5 per item (plus $30/hr research fee)	$5 per item (plus $30/hr research fee)
Audit Confirmation	$40	$40
Routine Research on Statements or Items Prior to Current Month	$40/hr	$40/hr

Strata Statement Savings / Young Savers Account Rates:

	BMD	USD
Strata Statement Savings	Nominal (Effective*)	Nominal (Effective*)
Up to (0 - $24,999.99)	0.25% (0.25% p.a.)	0.000%
$25,000 - 99,999.99	0.25% (0.25% p.a.)	0.000%
$100,000 - 499,999.99	0.25% (0.25% p.a.)	0.000%
$500,000+	0.25% (0.25% p.a.)	0.000%

Supersaver Plus:

	1 year term	3 year term	5 year term
Interest Rate	0.95% (0.95% p.a.)	1.40% (1.41% p.a.)	2.10% (2.15% p.a.)

Rates and fees effective 1 July 2010.  Fees and rates are subject to change without notice.