Special Offers

Save Now, Save Later Mortgage 3.25%1 4 Year Closed Term Fixed Mortgage* 4.15%2 5 Year Closed Term Fixed Mortgage* 4.25%3 Scotia Fixed for 10 Year Mortgage* 5.25%4 Scotia Flex Value Mortgage - Open 5 Year Term* 3.50%5

Closed Term Fixed Rate Mortgages

1 Year	5.250%
2 Years	5.000%
3 Years	5.150%
4 Years	5.450%
5 Years	5.550%
7 Years	7.000%
10 Years	7.150%

Variable Rate Mortgages

Scotia Flex Value Mortgage - Closed 5 year term

3.300%

Short Term Fixed Rate Mortgages

Open Mortgage - 6 Month	7.050%
Open Mortgage - 1 Year	7.500%
Flexible/Closed Mortgage - 6 Month	5.200%

 Effective March 11, 2009

* Effective March 11, 2009. Offers available until further notice. Not available for preapprovals. Cannot be combined with any other offers or promotions. Other conditions may apply. 1 APR 3.23%. 2 APR 4.11%. 3 APR 4.21%. 4 APR 5.22%. 5 APR 3.58%. Rates are provided for information purposes only and are subject to change at any time. All rates are calculated semi-annually, not in advance.