BUSINESS CHEQUING ACCOUNTS

PARTICULARS	Canadian dollar– Chequing (All in Canadian dollar)	US dollar– Chequing (All in US dollar)
Interest Rate	0.00%	0.00%
Monthly Administration Fee	$5.00 (effective February 1, 2012)	$5.00 (effective February 1, 2012)

         Refer to our Disclosure Statement for our schedule of charges