Guaranteed Investment Certificates

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					Bridgewater Bank GIC Base Rates

Rates Effective: October 21, 2008
                                       Annual Base
Non Redeemable                 $50,000+            $1,000-$49,000
1 year                              4.14               4.12
2 year                              3.80               3.78
3 year                              4.10               4.08
4 year                              4.15               4.12
5 year                              4.40               4.37

30 days                             2.85               2.85         Short term GIC
60 days                             2.85               2.85         AMA Same with BWB, no premium required
90 days                             2.95               2.95
120 days                            2.95               2.95
180 days                            3.95               3.92
270 days                            3.95               3.92


Rate Factor                                        Name
AMA Long Term                               0.05   AMA
Staff (add from AMA)                        0.05   staff
Monthly Interest                           -0.25   mth
Redeemable                                 -0.25   redeem

Comparative market rate

RBC Posted Rate
Long Term                       1 year                2 year            3 year       4 year       5 year
                                 2.10                  2.60              2.85         2.95         3.20
Short Term                     30 days               60 days           90 days      120 days     180 days
                                 1.75                  1.75              1.80         1.80         1.80
270 days
  1.80
Great Rates on
Guaranteed Investment
Certificates
GIC Interest Rates                                                                                                             Rates Effective: October 21, 2008
                                                Non-Redeemable                                                           Redeemable1                                     Comparative
                                                                                                                                                                         Market Rate
                                $1,000 - $49,999                        $50,000+                     $1,000 - $49,999                         $50,000+
                             Annual                             Annual                             Annual                             Annual
   Long Term                                  Monthly                            Monthly                            Monthly                            Monthly
                          interest and                       interest and                       interest and                       interest and                      Annual interest
     GIC's                                    interest                           interest                           interest                           interest
                           Compound                           Compound                           Compound                           Compound
1 Year                        4.12              3.87             4.14              3.89             3.87             3.62              3.89              3.64                  2.10
2 Year                        3.78              3.53             3.80              3.55             3.53             3.28              3.55              3.30                  2.60
3 Year                        4.08              3.83             4.10              3.85             3.83             3.58              3.85              3.60                  2.85
4 Year                        4.12              3.87             4.15              3.90             3.87             3.62              3.90              3.65                  2.95
5 Year                        4.37              4.12             4.40              4.15             4.12             3.87              4.15              3.90                  3.20


                                                Non-Redeemable                                                           Redeemable1                                     Comparative
                                                                                                                                                                         Market Rate
                                $1,000 - $49,999                        $50,000+                     $1,000 - $49,999                         $50,000+

   Short Term                    Simple interest                    Simple interest                    Simple interest                   Simple interest                 Simple interest
     GIC's
30 days                                2.85                               2.85                               2.60                               2.60                           1.75
60 days                                2.85                               2.85                               2.60                               2.60                           1.75
90 days                                2.95                               2.95                               2.70                               2.70                           1.80
120 days                               2.95                               2.95                               2.70                               2.70                           1.80
180 days                               3.92                               3.95                               3.67                               3.70                           1.80
270 days                               3.92                               3.95                               3.67                               3.70                           1.80
Minimum $1,000 deposit                                                                                                                    Rate subject to change without notice.
1
    Redeemable GIC's - Deposits must be held for a minimum 30 days to be eligible for interest. Early redemption earns the posted rate at the time of deposit less 2%.


                                                       GUARANTEED INVESTMENT CERTIFICATES
                                                            AVAILABLE AT GREAT RATES

                                                 CALL 1-888-837-2326 FOR MORE DETAILS TODAY

             Peggy Poovong
              Mike Jensen
             Mandy Morrison                      Ann Reynolds
                                                 Bradley Abel
                                                Melinda Mantello                   Krista Johnson
                                                                                    Dana Clayton
                                                                                     Cindie Tam                        Stacey Dukart
                                                                                                                       Bruce Lindsay                                     AMA
                                                                            www.bridgewaterbank.ca
Great Rates on
Guaranteed Investment
Certificates
GIC Interest Rates                                                                                                             Rates Effective: October 21, 2008
                                                Non-Redeemable                                                           Redeemable1                                     Comparative
                                                                                                                                                                         Market Rate
                                $1,000 - $49,999                        $50,000+                     $1,000 - $49,999                         $50,000+
                             Annual                             Annual                             Annual                             Annual
       Long Term                              Monthly                            Monthly                            Monthly                            Monthly
                          interest and                       interest and                       interest and                       interest and                      Annual interest
          GICs                                interest                           interest                           interest                           interest
                           Compound                           Compound                           Compound                           Compound
         1 Year               4.17              3.92             4.19              3.94             3.92             3.67              3.94              3.69                  2.10
         2 Year               3.83              3.58             3.85              3.60             3.58             3.33              3.60              3.35                  2.60
         3 Year               4.13              3.88             4.15              3.90             3.88             3.63              3.90              3.65                  2.85
         4 Year               4.17              3.92             4.20              3.95             3.92             3.67              3.95              3.70                  2.95
         5 Year               4.42              4.17             4.45              4.20             4.17             3.92              4.20              3.95                  3.20


                                                Non-Redeemable                                                           Redeemable1                                     Comparative
                                                                                                                                                                         Market Rate
                                $1,000 - $49,999                        $50,000+                     $1,000 - $49,999                         $50,000+

      Short Term                 Simple interest                    Simple interest                    Simple interest                   Simple interest                 Simple interest
        GICs
       30 days                         2.85                               2.85                               2.60                               2.60                           1.75
         60 days                       2.85                               2.85                               2.60                               2.60                           1.75
         90 days                       2.95                               2.95                               2.70                               2.70                           1.80
        120 days                       2.95                               2.95                               2.70                               2.70                           1.80
        180 days                       3.92                               3.95                               3.67                               3.70                           1.80
        270 days                       3.92                               3.95                               3.67                               3.70                           1.80
Minimum $1,000 deposit                                                                                                                            Rate subject to change without notice.
1
    Redeemable GIC's - Deposits must be held for a minimum 30 days to be eligible for interest. Early redemption earns the posted rate at the time of deposit less 2%.




                                PROTECT YOUR HARD EARNED MONEY WITH THE PURCHASE OF A
                                          SAFE AND SECURE AMA FINANCIAL GIC



                                          Contact Centre 1-866-850-6116                                    www.ama.ab.ca/financial
             Peggy Poovong
              Mike Jensen
             Mandy Morrison                      Ann Reynolds
                                                 Bradley Abel
                                                Melinda Mantello                   Krista Johnson
                                                                                    Dana Clayton
                                                                                     Cindie Tam                        Stacey Dukart
                                                                                                                       Bruce Lindsay                                     AMA
Great Rates on Staff
Guaranteed Investment
Certificates
Staff GIC Interest Rates                                                                                                       Rates Effective: October 21, 2008
                                                 Non-Redeemable                                                          Redeemable1                                     Comparative
                                                                                                                                                                         Market Rate
                                $1,000 - $49,999                        $50,000+                     $1,000 - $49,999                         $50,000+
                             Annual                             Annual                             Annual                             Annual
   Long Term                                   Monthly                           Monthly                            Monthly                            Monthly
                          interest and                       interest and                       interest and                       interest and                      Annual interest
     GIC's                                     interest                          interest                           interest                           interest
                           Compound                           Compound                           Compound                           Compound
1 Year                        4.22              3.97             4.24              3.99             3.97             3.72              3.99              3.74                  2.10
2 Year                        3.88              3.63             3.90              3.65             3.63             3.38              3.65              3.40                  2.60
3 Year                        4.18              3.93             4.20              3.95             3.93             3.68              3.95              3.70                  2.85
4 Year                        4.22              3.97             4.25              4.00             3.97             3.72              4.00              3.75                  2.95
5 Year                        4.47              4.22             4.50              4.25             4.22             3.97              4.25              4.00                  3.20


                                                 Non-Redeemable                                                          Redeemable1                                     Comparative
                                                                                                                                                                         Market Rate
                                $1,000 - $49,999                        $50,000+                     $1,000 - $49,999                         $50,000+

   Short Term                    Simple interest                    Simple interest                    Simple interest                   Simple interest                 Simple interest
     GIC's
30 days                                2.85                               2.85                               2.60                               2.60                           1.75
60 days                                2.85                               2.85                               2.60                               2.60                           1.75
90 days                                2.95                               2.95                               2.70                               2.70                           1.80
120 days                               2.95                               2.95                               2.70                               2.70                           1.80
180 days                               3.92                               3.95                               3.67                               3.70                           1.80
270 days                               3.92                               3.95                               3.67                               3.70                           1.80
Minimum $1,000 deposit                                                                                                                    Rate subject to change without notice.
1
    Redeemable GIC's - Deposits must be held for a minimum 30 days to be eligible for interest. Early redemption earns the posted rate at the time of deposit less 2%.




                                PROTECT YOUR HARD EARNED MONEY WITH THE PURCHASE OF A
                                          SAFE AND SECURE AMA FINANCIAL GIC


             Peggy Poovong
              Mike Jensen
             Mandy Morrison                      Ann Reynolds
                                                 Bradley Abel
                                                Melinda Mantello                   Krista Johnson
                                                                                    Dana Clayton
                                                                                     Cindie Tam                        Stacey Dukart
                                                                                                                       Bruce Lindsay                                     AMA
                                              Contact Centre 1-866-850-6116                                www.ama.ab.ca/financial
Contact Centre 1-866-850-6116   www.ama.ab.ca/financial

Peggy Morrison
403-473-6601

Stacey Dukart
1-866-542-2262
780-904-7739

Melinda Mantello
780-472-3547
Toll Free: 1-877-472-3547

Krista Johnson
403-470-0017


Bradley Abel
403-872-3681

Mike Jensen
403-380-5623
1-866-607-4392

Bruce Lindsay
403-241-4294


Dana Clayton
403-309-8142



Mandy Poovong
403-590-0002


Arthur Stefan
403-240-5402


Ann Reynolds
403-612-4163


Cindie Tam
780-860-8546


Loral Holm
780-863-6916



Sondra Chambers
(780) 831-7184



Jackie Lofthouse
403-502-5202
GIC Interest Rates                                                  Rates Effective: March 17, 2008



                                                                                             Comparative
       GIC's               Non-Redeemable                     Redeemable1
                                                                                             Market Rate
                          Annual                           Annual
                                          Monthly                          Monthly
Term                   interest and                     interest and                        Annual interest
                                          interest                         interest
                        Compound                         Compound
1 Year                     4.12            3.87             3.87            3.62                  2.10
2 Year                     3.78            3.53             3.53            3.28                  2.60
3 Year                     4.08            3.83             3.83            3.58                  2.85
4 Year                     4.12            3.87             3.87            3.62                  2.95
5 Year                     4.37            4.12             4.12            3.87                  3.20




    Short Term                                                                               Comparative
                           Non-Redeemable                     Redeemable1
      GIC's                                                                                  Market Rate

Term                         Simple interest                  Simple interest               Simple interest

30 Days                            2.85                              2.6                          1.75
60 Days                            2.85                              2.6                          1.75
90 Days                            2.95                              2.7                          1.80
120 Days                           2.95                              2.7                          1.80
180 Days                           3.92                             3.67                          1.80
270 Days                           3.92                             3.67                          1.80
Minimum $1000 deposit                                                       Rates subject to change without notice.


1
 Redeemable GIC's - Deposits must be held for a minimum 30 days to be eligible for interest. Early redemption earns the posted rate at th




                      GUARANTEED INVESTMENT CERTIFICATES
                           AVAILABLE AT GREAT RATES

                  CALL 1-888-837-2326 FOR MORE DETAILS TODAY

                                      www.bridgewaterbank.ca
Great Rates on
Guranteed Investment
Certificates
GIC Interest Rates                                   Rates Effective: March 17, 2008


                           Non-Redeemable                  Non-Redeemable
       GIC's
                           $5,000 - $49,999                   $50,000 +

                        Annual                         Annual
                                        Monthly                            Monthly
Term                 interest and                   interest and
                                        interest                           interest
                      Compound                       Compound

1 Year                  4.12             3.87            4.14                3.89
2 Year                  3.78             3.53            3.80                3.55
3 Year                  4.08             3.83            4.10                3.85
4 Year                  4.12             3.87            4.15                3.90
5 Year                  4.37             4.12            4.40                4.15
                                                   Rates subject to change without notice.




       ASK TO SPEAK WITH ONE OF OUR DEPOSIT SERVICE
            REPRESENTATIVES TODAY FOR DETAILS


                     Deposit Service Centre
                         1-888-837-2326
               www.bridgewaterbank.ca/investments

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