Limited Time Rate Special - 3 Year Closed November 19, 2008 3 Year Closed Fixed Rate Mortgage at 5.15% • Applies to new applications received up to December 31, 2008 • Mortgage must fund by April 30, 2009 • Rate commitment period is available for up to 120 days from the date of application, unless otherwise indicated. • Offer may be changed or withdrawn at any time without notice.