Trust

Canadian Trust Company

Trust companies play a special role in the Canadian financial system. They are the only institutions allowed to administer trusts, such as those set up to manage estates.

Many of us may use trust services without realizing it, since trust companies also act as transfer agents and registrars for bonds and corporate stocks, as well as for pension and investment funds. In addition, trust companies have the right to accept deposits and have traditionally been active in areas such as mortgages.

With a wide retail network, trust companies provided major competition to the chartered banks. However, the trust industry picture changed radically in the early 1990s. With the dismantling of the 'four-pillar' regulations, banks were allowed to purchase trust companies. The recession and subsequent drop in the real estate market in the early 1990s dealt a heavy blow to trusts, which were companies dependent on properties and mortgages. Many consolidated their operations and chartered banks purchased the largest ones. This caused the independent trust industry, as measured by assets owned, to decline by more than one half from 1990 to 1999. By decade’s end, independent trusts represented only 2.5% of the financial sector.

The few remaining independent trust companies deal primarily in mortgage lending, which accounted for 61% of their assets at the end of 2002. The most important source of funds was term deposits, amounting to 84% of liabilities. The Financial Market Place is changing and the competition for Canada's Richest Business is heating up. The advisor channel is all important to gain market share as advice and customer service are in fashion.

Canadian Trust wishes to encourage and contribute to efficient capital markets in Canada by competing with some of the biggest banks, trust companies and financial insititutions in the world. We look forward to serving Canadians with the type of service they will come to expect from people who understand and really care about exceeding their expecations as individuals and as a group.

Welcome/Bienvenue

Canadian Trust Limited and Advisors Group Limited have completed a friendly merger that will advantage not only Canadian Trust Company but also Independent Financial Advisors/Shareholders and our all important financial clients. We are a small fast growing financial services organization that respects and covets the Advisor Channel, after all we are all vying for the same financial dollar as some of the Largest Financial Institutions in Canada and in the World. Advisors Group and Canadian Trust respect the fact that all financial products are 'sold'. As small independent Dealers and Representatives we look forward to consolidating all our products, services and resources to be the preeminent personal financial services company in Canada.

One Stop Financial Service® is a registered trademark and a very important factor in how we have culminated all the important corollary services together to help Financial Advisors focus on the consultative approach with their customers; distribution of products is important however second in nature. Accurate and Timely advice is our niche in personal finacial planning with all the products and services available as True Brokers in several important financial disciplines.

Our combined 200 years of experience is complete with marvelous human capital, expert knowledge and advice in Investment, Insurance, Mortgage, Tax, Trust and overall Financial Planning. We will try our individual and group best to make our personal and business realtionship with you better than you have ever thought possible.

Investment Insurance Mortgage Tax Trust Financial Planning Estate Planning Wealth Management

MONEY® Products

Business Services Deposit Services
Business Chequing Account
A basic business account that allows you to:

Issue cheques and pre-authorized payments.
Receive electronic payments.
Make in branch deposits for same-day availability.
Receive monthly statements for all account transactions.

Cash Management Account
A combination of loan and deposit services.

Loan Services
Provides a line of credit to assist with the day to day operations of a business.
Credit limit established based on a percentage of the annual budget or proven cash flow.
Credit limit subject to annual review and approval.
Interest is calculated daily on the outstanding balance at the Canadian Trust prime rate plus an incremental percentage.

Deposit Services
Issue cheques and pre-authorized payments.
Receive electronic payments.
Make in branch deposits for same-day availability.

Other Benefits
Receive monthly statements for all account transactions.
One-time, no penalty early redemption feature for Guaranteed Investment
Certificates limited to 20% of the GIC amount.

Fees

Annual Operating fee charged as a percentage of the amount of the credit limit. Covers all transactions.

Canadian Trust Services

Personal Services
What You Need To Know About
Open a New Bank Account
Interac Debit Card
Daily Banking Services
Desjardins Affinity Visa @ 9.9% LOC
Secure Canadian Trust Visa
On-line Banking Services

Invesment & Deposit Accounts
Chequing and Savings Accounts
Guaranteed Investment Certificates
Registered Retirement Savings Plan
Registered Education Savings Plan
Registered Retirement Investment fund
Segregated Funds
Mutual Funds and Pooled Funds
Trust Accounts and Administration

Lending Services
Business and Commercial Loans
Business Start Up and Mezzanine Financing
Residential Mortgages
Consumer Loans
Real Estate Financing
RRSP Loans
Automobile/Machinery Lease and Finance

To arrange a free consultation call MONEY® at (905) 475-0000 or e-mail us.

1-800-789-1011