All the FIs can be difficult to get stuff out of.
Heard some stories of ATB and CIBC over the last two years sending their business clients out letters stating their accounts were moving from Prime + 1/2% to Prime + 1% (or an increase of something similar).
One lady brought in her letter moving her from P + 3% to P + 6%.
Point I am getting at is all FIs can be kind of funny, Banks and Credit Unions included. Lots of times the balance sheet of the operation forces the FI to do something they may not want to.
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