WARNINGS

1. Fixed Rate Loans
Warning: You may have to pay charges if you pay off a fixed-rate loan early.

2. Debt Consolidation Mortgage
Warning: This new loan may take longer to pay off than previous loans. This means you may pay more than if you paid over a shorter term.

3. Variable Rate Residential Mortgage
Warning: The cost of your monthly repayments may increase - If you do not keep up your repayments you may lose your home.

4. Interest Only Mortgage
Warning: The entire amount that you have borrowed will still be outstanding at the end for the interest-only period.