TORONTO, Nov. 13 /CNW/ - Scotiabank announced today the following changes
in residential mortgage interest rates, effective November 14:-  two-year closed     7.35 per cent    (decreases by 0.05 per cent)
    -  three-year closed   7.35 per cent    (decreases by 0.05 per cent)
    -  four-year closed    7.35 per cent    (decreases by 0.05 per cent)
    -  five-year closed    7.39 per cent    (decreases by 0.05 per cent)

                 All other mortgage rates remain unchanged.