MORTGAGE RATE SHEET. Fixed 3.49% 3.64% 3.19% 3.19% 3.94% 4.29% 5.14%

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1 MORTGAGE RATE SHEET INSURED Term - Quick Close (New Purchase only funded by Feb 28, 2019) day closing Fixed 3.49% 3.64% 3.19% 3.19% Variable P-0.75% (Posted Rate) 5.14% All LTVs, customer paid insurance premium for both high ratio and low ratio will be included in the loan amount. CONVENTIONAL INSURABLE Term Fixed Variable LTV 50% 4.34% P+0.00% LTV 65% 4.34% P+0.00% LTV 70% 4.44% P+0.10% LTV 75% P+0.30% LTV 80% P+0.40%

2 CONVENTIONAL - PRIMARY HOME Owner Occupied Fixed Owner Occupied Variable P+0.15% P+0.70% P+0.25% P+0.35% for Purchasing Property Undirected over $50K Directed over $100K Single Borrower/ with Beacon < 680 Co-Borrower with Thin Offset from 2 to 4 rental properties BFS Non-Traditional TDS between 44 and 47 Above 2 Amortization (up to 30) Loan amount over $800K Purchase: 1 to terms Refinance: 1 to terms 1% Setup Fee on VRM Conventional owner-occupied deal 1% Setup Fee on Conventional owner-occupied deal with Beacon below 620

3 CONVENTIONAL - INVESTMENT / SECOND HOME Investment / 2nd Home Fixed 4.04% 4.34% Investment / 2nd Home Variable P+0.20% P+0.30% P+0.95% for Purchasing Property Single Borrower/ with Beacon < 680 Undirected over $50K Directed over $100K Co-Borrower with Thin Offset from 2 to 4 rental properties BFS Non-Traditional TDS between 44 and 47 Above 2 Amortization (up to 30) Loan amount over $800K Purchase, Refinance and Equity Loan Maximum term for Investment/Second Home program 1% Setup Fee on Investment/Second Home program with Beacon below 680 Appraisal required upfront for rural property FCT fee for Investment / Second Home programs will be the responsibility of the borrower(s)

4 CONVENTIONAL - NEW TO CANADA New to Canada Fixed New to Canada Variable P+0.15% P+0.70% P+0.25% P+0.35% Not Applicable Single Borrower/ with Beacon < 680 Co-Borrower with Thin Offset from 2 to 4 rental properties BFS Non-Traditional TDS between 44 and 47 Above 2 Amortization (up to 30) Loan amount over $800K Purchases only 1% Setup Fee on VRM Conventional owner-occupied deal 1% Setup Fee on Conventional owner-occupied deal with Beacon below 620

5 CONVENTIONAL - FAMILY PLAN Family Plan Fixed Family Plan Variable P+0.15% P+0.70% P+0.25% P+0.35% Not Applicable Single Borrower/ with Beacon < 680 Co-Borrower with Thin Offset from 2 to 4 rental properties BFS Non-Traditional Above 2 Amortization (up to 30) TDS between 44 and 47 Loan amount over $800K Purchases only 1% Setup Fee on VRM Conventional owner-occupied deal 1% Setup Fee on Conventional owner-occupied deal with Beacon below 620

6 INSURED is defined as a mortgage with borrower paid insurance. Purchases and Transfers Qualified at Benchmark Rate Maximum 25 years amortization Maximum $1M property value Definitions CONVENTIONAL INSURABLE is defined as a mortgage which can be portfolio insured at the Bank's expense. Purchases and Transfers Qualified at the greater of the contract rate plus 2% or the Benchmark Rate Maximum 25 years amortization Maximum $1M property value CONVENTIONAL is defined as a mortgage which cannot be insured. Purchases and Refinances Qualified at the greater of the contract rate plus 2% or the Benchmark Rate Maximum 30 years amortization Greater than $1M property value s (1 to 4 units) Free Appraisals Available Programs Premium Programs Special Programs A maximum of $250 or actual cost of appraisal, whichever is lower (Platinum Broker only on 5-year term mortgage for purchases of primary residence) New to Canada, Purchase+Improvements, Second Home, Family Plan, Investment Collateral transfers and transfers from FI's not on the approved list - add an additional 10bps to standard rates Broker Compensation Loan Term Without Set Up Fee charged to borrower Gold - Owner Occupied Gold - Platinum - OO/ 15 bps 10 bps 25 bps 35 bps 30 bps 45 bps 45 bps 65 bps 70 bps 65 bps 85 bps 115 bps 110 bps 120 bps * If Setup fee is lower than 1%, the broker compensation will also be reduced. With Setup Fee charged to borrower Gold/Platinum* Notes Maximum 120 day rate hold for Insured Purchases, 90 day rate hold for all other Products and Programs. U Curve applies to all commitments, the lowest rate between the date of commitment and the day of closing is applicable. Rate Buy down is available for both fixed and variable products (Pre-Approvals excluded). Every 5 bps of interest bought down will cost 20 bps of commission. Maximum allowable buy down is 25 bps of mortgage rate. All buy-downs are applied to rate reductions automatically unless notified in writing at time of rate change. Transfers must be insured with valid mortgage insurance certificate number included in the application note. Pre-Approvals are offered to insured purchase applications with 5-year Fixed Rate term and additional 15 bps rate premium. Minimum beacon of 600 for all type of mortgages. Rate premium may be added for Insurable mortgages with beacons below 680 for all LTV or beacons at 720 and LTV of 75-80% Setup fee and rate premium may apply for Uninsurable mortgages. ICICI Float down policy applies to all products & programs. Quick Close Program automatically applied to new business only. No Quick Close Program available on Pre-Approvals. All conditions together with the requested documents must be fully satisfied by ICICI no later than 10 days prior to funding. Failure to do so may delay the closing or void the commitment. ICICI Bank Canada reserves the right to adjust the interest rate and/or charge additional fees for such closing. Contact your BDM for any questions! Regional Sales Manager Charan GK Region Mobile Toll Free National (416) (877) charan.gk@icicibank.com Tom Taylor April Harvey Raymond Lee GTA East & Eastern Ontario (416) GTA North & Northern Ontario (416) (877) tom.taylor@ext.icicibank.com 1 (877) april.harvey@icicibank.com South Western Ontario (416) (844) raymond.lee@icicibank.com Charan GK Birtish Columbia (416) (877) charan.gk@icicibank.com Nadeem Jiwa Prairie Region (403) (844) nadeem.jiwa@icicibank.com