|Variable Rate Closed||Variable Rate Open|
|Convert to a fixed rate closed mortgage with a term equivalent to (or greater than) your remaining term.
If converted to another term other than the above, prepayment charges apply.
|Convert to any other term, at any time, without a prepayment charge.|
|Double-Up® any regular payment to a maximum of a monthly equivalent.||Double-Up® any regular payment to a maximum of a monthly equivalent.|
|Increase your regular payments by as much as 10%.||Increase your regular payments by any amount.|
|Make a principal prepayment (minimum of $100).||Make a principal prepayment of any amount at any time (minimum of $500).|
|Make a 10% annual Anniversary payment.||Repay either in part or in full at any time.|