*Bond yield rates are used in the calculation of Bridgewater Bank’s Interest Rate Differential (IRD) mortgage prepayment charge. The Government of Canada bond yield rates are reported as the wholesale bid side yield rate at 12 p.m. (Eastern Standard Time) at Toronto on this date. The bond yield rates are subject to change with market fluctuations. For more information on prepayment charges and the IRD calculation, please refer to your mortgage disclosure statement or contact us.