Special Introductory Offer!!

• Act now and take advantage of our special introductory rate when you take out a new Better Than Prime Mortgage. Benefit from a special rate that is 1.01% below mortgage prime for the first 9 months.

The Better Than Prime Mortgage may be best for you if:

• the size of your mortgage is less than 90% of the home's value
• you will have no difficulty paying your mortgage and in covering all other living costs
• you feel that you want to minimize the risk of varying interest rates and keep your options open
• you think that interest rates will remain stable with temporary variations or will drop
• it's likely that you will prepay less than 15% of your mortgage annually

Some facts:

• term - 5 years closed
• the interest rate is guaranteed to be at least 0.25% lower than the CIBC mortgage prime rate
• the interest rate is variable and fluctuates from time to time
• in each calendar year, you may prepay up to 15% of your original mortgage amount without penalty
• you may increase your regular principal and interest payment up to 100% of your original payment amount without penalty
• you can convert to a closed, fixed rate mortgage of 3 years or greater, at any time, without penalty
• the payment frequency is monthly on the 1st of the month