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TORONTO, Dec. 10 /CNW/ - TD Canada Trust has lowered its mortgage rates, effective December 11, 2008. The changes are as follows: Fixed Rates To: Change: ----------- 6-month convertible 5.90% -0.20% 1-year open 8.55% N/C 1-year closed 5.60% N/C 2-year closed 6.25% -0.20% 3-year closed 6.25% -0.20% 4-year closed 6.09% -0.20% 5-year closed 6.75% -0.20% 6-year closed 7.00% -0.20% 7-year closed 7.20% -0.20% 10-year closed 7.55% -0.20% Special Offers -------------- Five year Fixed Rate (Closed) 5.59% -0.20% Variable Rates To: -------------- VIRM Closed TD Mortgage Prime + 0.60% VIRM Open TD Mortgage Prime + 0.85% For further information: Joan Dal Bianco, VP, Real Estate Secured Lending, TD Canada Trust, (416) 307-9273

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