Deposit Accounts:

U.S. Dollar Savings Account

Convert your Canadian dollars to American with the U.S. Dollar Savings Account. Your deposits are converted to U.S. currency and your interest payments are made in U.S. currency. It's convenient. And it's free-of-charge.

	U.S. Dollar Savings Account
	Effective November 14, 2003: Account Balance Interest Rate1  $0-4,999 0.05%  $5,000-24,999 0.10%  $25,000 and over 0.10%

	Account Features
	Monthly fee None  In-branch debits Free  Minimum balance required None  Detailed monthly statement or passbook Free

Deposit Interest:

• Interest is calculated on the daily-tiered whole closing balance each month-end.