GIC Rates

Top 1 to 5 Year GIC Rates as of 20 November 2009
Name of Issuer Cashable Term Annual
Rate		 Annual
Compound Rate		 Semi-Annual
Rate		 Monthly
Rate
*EQUITABLE TST. After 30 Days 1 YR 0.650% N/A       N/A      N/A
*MONTREAL TST CDA After 30 Days 1 YR 0.650% N/A       N/A      N/A
*BMO - AAT** After 30 Days 1 YR 0.500% N/A       N/A      N/A
*HOME TRUST CO. After 90 Days 1 YR 1.000% N/A       N/A      N/A
HOME TRUST CO. N/A 1 YR 1.550% N/A       1.400%      1.350%
VANCITY N/A 1 YR 1.300% N/A       1.200%      1.100%
BMO - AAT** N/A 1 YR 0.700% N/A       0.600%      0.550%
HOME TRUST CO. N/A 2 YR 2.150% 2.150%       2.000%      1.950%
AGF TRUST CO. N/A 2 YR 2.010% 2.010%       1.930%      1.860%
BMO - AAT** N/A 2 YR 1.500% 1.500%       1.400%      1.350%
HOME TRUST CO. N/A 3 YR 2.650% 2.650%       2.500%      2.450%
HSBC BANK N/A 3 YR 2.550% 2.550%       N/A      2.300%
BMO - AAT** N/A 3 YR 2.150% 2.150%       2.050%      2.000%
HOME TRUST CO. N/A 4 YR 3.050% 3.050%       2.900%      2.850%
HSBC BANK N/A 4 YR 3.000% 3.000%       N/A      2.750%
BMO - AAT** N/A 4 YR 2.550% 2.550%       2.450%      2.400%
ICICI BANK N/A 5 YR 3.400% 3.400%       3.400%      3.400%
EQUITABLE TST. N/A 5 YR 3.350% 3.350%       3.250%      3.150%
HOME TRUST CO. N/A 5 YR 3.350% 3.350%       3.200%      3.150%
HSBC BANK N/A 5 YR 3.350% 3.350%       N/A      3.100%
BMO - AAT** N/A 5 YR 2.950% 2.950%       2.850%      2.800%

* Fully cashable (with accrued interest) after the specified number of days from the date of purchase.
All Cashable GICs can only be redeemed within the cashable period up to 30 calendar days prior to maturity.
Non-AAT** cashable GICs may require a longer holding period than the specified number of days from the date of purchase in order for the accrued interest to be payable. Please note that issuers do not include settlement date in their calculation of accrued interest.
** Advisor's Advantage Trust (AAT) is a trade name of BMO Trust Company, a wholly-owned subsidiary of Bank of Montreal and a member of the BMO Financial Group.