Effective December 1, 2008
| Interest paid on cash balance in Investment Accounts | 0.50% |
| Interest paid on cash balance in Registered Accounts | 0.10% |
| Interest paid on cash balance in Corporate & Group Services Accounts | 0.10% |
| Overdraft interest charged | 1.0% per month |
**Rates are subject to change without notice
A credit or debit of less than $2.00 will not apply