Go to Scotiabank in Barrhaven near Walmart, and ask for Pan. She is an older experienced lady. A friend of mine got 5-year fixed variable rate for prime - 0.75 last week.
Never sign that paper with your broker -- most liky she would never try hard and she may even lie to you about the rate. If you signed, she would get $1000 in any way, either from you or from the banks.