Fixed Rate Mortgage

6/60 Convertible

Fixed Rate

Variable Rate

HELOAN

AGF TRUST FIXED RATE MORTGAGE

The AGF Trust Fixed Rate Mortgage offers a fixed rate for any term you select from one through five years. By selecting a fixed rate mortgage, you will have the comfort of knowing your rate will change for the term of the mortgage.

AGF TRUST FIXED RATE MORTGAGE
Term	One, two, three, four and five years
Interest Rate	Fixed for the full term selected
Financing Available	Conventional and insured
Payment Frequency	Weekly, biweekly, monthly and semi-monthly
Prepayment Privilege	20% & 20% Without charge, you can prepay up to 20% of the original principal of your mortgage once per year AND/OR increase your payments by 20% once per year to pay down your mortgage at a faster rate. These are not cumulative if not exercised during the year.

AGF TRUST 5 X 1 FIXED RATE MORTGAGE

The AGF Trust 5 x 1 Fixed Rate Mortgage is an adjustable rate mortgage. While locked into a five-year term, rates will fluctuate to the current one-year rate every year. The unique feature about this product is that it offers you the comfort of knowing that your rate will not change during the year, while allowing you to get the more current rate on the anniversary date of the mortgage.

AGF TRUST 5 X 1 FIXED RATE MORTGAGE
Term	Five years
Interest Rate	Initially, fixed at the one-year rate and then is adjusted to the current one-year rate upon each year's anniversary date
Financing Available	Conventional and insured
Payment Frequency	Weekly, biweekly, monthly and semi-monthly
Prepayment Privilege	20% & 20% Without charge, you can prepay up to 20% of the original principal of your mortgage once per year AND/OR increase your payments by 20% once per year to pay down your mortgage at a faster rate. These are not cumulative if not exercised during the year.

AGF TRUST HIGH RATIO MORTGAGE

Own your home with as little as 5% down

A high-ratio mortgage is typically qualified as a mortgage with a loan-to-value greater than 75%. In other words, if you have a down payment of as little as 5% of the purchase price of your home, you can apply for the AGF Trust High Ratio Mortgage to buy your new home.

AGF TRUST HIGH RATIO MORTGAGE
Term	One, two, three, four and five years
Interest Rate	Fixed for the full term selected
Financing Available	Insured
Payment Frequency	Weekly, biweekly, monthly and semi-monthly
Prepayment Privilege	20% & 20% Without charge, you can prepay up to 20% of the original principal of your mortgage once per year AND/OR increase your payments by 20% once per year to pay down your mortgage at a faster rate. These are not cumulative if not exercised during the year.
Insurance Fee	AGF Trust can provide high-ratio mortgage financing about 75% loan-to-value, provided there is mortgage insurance on the loan. The mortgage insurance company (such as CMHC or GE Capital) charges a fee, which ranges from 0.50% to 3.25% of the loan amount depending on the loan-to-value.