Yeah ATB has it for that rate but like you said it's only for the first year. Mine's until I give it up (which I probably never will).
Heh I wanted to refinance my house and the broker wanted to create a new LOC. I asked if he could get the prime - 0.5% and he said no chance, so I asked him why I would do that then! (other than they make more $$ from a total refinance vs. an addon financing).
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Uncertainty is an uncomfortable position.
But certainty is an absurd one.
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