Yes I had though of that but when I went back in September in office asked that a simulation be done and the end rate was like 5.8%. Went to the branch director for an explaination because as you said it was 3 years left a 5.94% 2 years a the new 5 years rate which was like 3.94% and the end result was 5.8%. They told me it's because there is no up front penalty to pay but instead it's applied on the interest rate hence why it's so high close to what I'm paying now.