|3-Year Closed||Broker Commission||5-Year Closed||Broker Commission||1-Year Open||Broker Commission|
|2.79%||100 BPS||2.99%||125 BPS||6.25%||20 BPS|
|2.64%||60 BPS||2.94%||80 BPS||N/A||N/A|
|LTV < 65%||2.99%||90 BPS||3.14%||110 BPS||N/A||N/A|
|LTV 65%-75%||3.04%||90 BPS||3.19%||110 BPS||N/A||N/A|
Rates shown current as of 01 October 2014, subject to change without notice at any time (120-day rate hold). Annual Percentage Rate (APR) means the cost of borrowing for a mortgage expressed through the interest rate including all charges related to the mortgage. APR is based on a $ 150,000 mortgage for the applicable term. The annual interest rate and APR are normally the same as XCEED does not charge fees on mortgages. XCEED Prime Conventional not eligible for BFS Simplified (Alt.A) or rental property mortgages. Rate premium will apply to PRIME Conventional mortgages where amortization is more than 25 years and LTV over 75%.