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// CONTENT DEFINITIONS - HIDDEN TEXT

// This is where you put in the verbiage for each product on the front page!!!!!!!!!!!!!!!!
// ********************************  CU  **************************************************
strHiddenTxt_cu_capital="<P>To be added.<BR><BR>\
<UL><LI><A HREF = 'account_services.aspx' TARGET = '_BLANK'>Account Services</A>\
<LI><A HREF = 'structured_finance.aspx' TARGET = '_BLANK'>Structured Finance</A>\
<LI><A HREF = 'term_deposit.aspx' TARGET = '_BLANK'>Term Deposit</A></UL>\
<B>Currency Management</B><BR><BR>\
Offers expertise and advice in the management of currencies including the conversion and hedging of foreign exchange \
exposures.<BR><BR>\
<B>Derivative Management</B><BR><BR>\
Specializes in the use of derivatives such as swaps, futures and options to mitigate or alter balance sheet risk.</P>";
strHiddenTxt_cu_credit="<p><B>Asset Intermediation</B><BR><BR>\
Credit and liquidity management assists credit unions with regulatory, liquidity and balance sheet management.  Concentra \
provides these services through several offerings including through loan purchase program, loan sale program, direct \
lending, liquidity bulletin board and securitization.\
<UL><LI><A HREF = 'loan_purchase.aspx' TARGET = '_BLANK'>Loan Purchase Program</A>\
<LI><A HREF = 'loan_sale.aspx' TARGET = '_BLANK'>Loan Sale Program</A>\
<LI><A HREF = 'direct_lending.aspx' TARGET = '_BLANK'>Direct Lending to Credit Unions</A>\
<LI><A HREF = 'lbb.aspx' TARGET = '_BLANK'>Liquidity Bulletin Board</A></UL>\
<B>Asset Securitization Programs</B><BR><BR>\
Concentra Financial offers securitization programs to credit unions nationally.  Asset securitization provides an additional \
source of funding that historically has been difficult to obtain for credit unions.  Concentra has the ability and expertise \
to facilitate off-balance sheet financing for credit union assets.<BR><BR>\Conventional residential mortgage, commercial \
mortgage and auto loans programs availability is subject to market interest.  In its place the Canada Mortgage Bond (CMB) \
program, which is government backed by CMHC, continues to provide liquidity and access to government funding.<BR><BR>\
<B>Programs</B><BR><BR>\
<UL><LI><A HREF = 'insured_res.aspx' TARGET = '_BLANK'>Insured Residential Mortgage (Canada Mortgage Bond)</A></LI>\
<LI><A HREF = 'res_mortgage.aspx' TARGET = '_BLANK'>Residential Mortgage</A></LI>\
<LI><A HREF = 'comm_mortgage.aspx' TARGET = '_BLANK'>Commercial Mortgage</A></LI>\
<LI><A HREF = 'auto_loan.aspx' TARGET = '_BLANK'>Auto Loan</A></LI></UL></P>";
strHiddenTxt_cu_strategic="<P><B>Economic Forecast and Rate Surveys</B><BR><BR>\
Each month, the Strategic Financial Management Team of Corporate Finance releases an economic update report that examines \
market conditions and trends both nationally and globally. We are pleased to offer an electronic copy of this publication \
free of charge to interested credit unions:\<UL><LI>Economic Update Report</LI>  \
[<A HREF = 'http://www.concentrafinancial.ca/listforms/subscribe.asp?list=ECONOMIC_UPDATE' TARGET = '_BLANK'>Subscribe</A> | <A HREF = 'http://www.concentrafinancial.ca/listforms/unsubscribe.asp?list=ECONOMIC_UPDATE' TARGET = '_BLANK'>Unsubscribe</A>]<BR><BR>\
<B>Monthly Economic Update</B> (<A HREF = 'http://www.concentrafinancial.ca/corpfin/eu/archive.asp' TARGET = '_BLANK'>Archives</A>)<BR><BR>\
Key events occurring in the market place can influence many credit union decisions. This monthly report will assist \
senior management in remaining informed about specific events that may affect their organization. The narrative also serves \
as a useful instrument in the asset liability management process. The report includes a brief commentary outlining \
significant economic releases, in particular, the expected direction of market rates. Also included is a detailed look at \
key economic indicators, accompanied by a series of graphical illustrations identifying the economy's current strengths \and weaknesses.<BR<BR>\
<B>Weekly Interest Rate Survey</B><BR><BR>\
The Weekly Interest Rate Survey is an effective comparison of market interest rates from a variety of sources. The survey \
enables your credit union to remain rate competitive through instantaneous access to competitor term deposit rates, \
residential mortgage rates and Canadian Agricultural Income Stabilization (CAIS) rates. A summary page also updates the \
bond yield indications and Concentra Financial rates. The survey is updated every Thursday.<BR><BR>\
<B>Active Capital Management</B><BR><BR>\
Strategic Financial Management will develop a comprehensive capital plan for your credit union, incorporating a variety of \
growth scenarios.  Recommendations and suggestions on alternatives to acquire any projected capital shortfall will also be \
included.  The capital plan analyzes the current capital position in terms of capital utilization, provides a detailed \
forecast capital plan, executive summary identifying the main ideas and recommendations, as well as a board submission document \
if required.<BR><BR>\
<B>Asset/Liability Management Committee Meetings (ALCO)</B><BR><BR>\
Strategic Financial Management participates in management meetings to assist your credit union in establishing the ALCO \
process and in developing strategies to enhance financial performance. We also participate in board meetings to report on \
financial performance and summarize key issues that may impact the organization.<BR><BR>\
<B>Budget Plan Development</B><BR><BR>\
Strategic Financial Management will prepare a one-year budget and long-term financial forecast on behalf of your credit union.  \
This includes analysis of past financial performance and assessment of key performance indicators. As part of this service, \
we prepare an executive summary to assist board and executive management in decision-making.<BR><BR>\
<B>Financial Analysis and Strategy Recommendation</B><BR><BR>\
Strategic Financial Management will assist your credit union in identifying financial strategies to enhance performance, \
including the appropriate use of derivatives.  An analysis of financial performance including detailed yield analysis, \
economic updates, gap analysis and FMS analysis are provided.  The report can be used for both board and senior management to \
aid in decision making.<BR><BR>\
<B>Finance Management Contract</B><BR><BR>\
Strategic Financial Management houses the expertise to manage the finance component of your credit union's operations. This \
service is a cost-effective way to access all of our products and services. These services include, but are not limited to:\
<UL><LI>participation in development of a business plan and financial policy and procedures</LI>\
<LI>full balance sheet management, including interpretation of interest rate risk simulation results and development of \
financial strategies</LI>\
<LI>investment and derivative portfolio management</LI>\
<LI>collaboration with the management team on pricing and product development</LI></UL><BR>\
<B>Interest Rate Risk Executive Summary Report</B><BR><BR>\
Risk profiles must be understood strategically to be used to your credit union's advantage. Using results from dynamic \
interest rate risk simulation, Strategic Financial Management will produce an executive summary outlining your credit union's \
major risk exposures. This report contains valuable information that is useful to the board and senior management in making \
risk management decisions. The report includes static and dynamic gap analysis, net interest margin forecasts, change in \
market value analysis and stochastic results analysis.<BR><BR>\
<B>Interest Rate Risk Simulation Services</B><BR><BR>\
A rapidly changing and competitive environment makes risk management essential to success in the financial industry today.  \
Interest Rate Risk Simulation is an efficient risk management tool. The simulation results provide credit union management with \
a risk profile of the balance sheet under various market interest rate scenarios. In depth one and two-year and high level \
three to five-year forecasts are included. The following reports are provided on a monthly or quarterly basis:\
<UL><LI>enhanced static/dynamic gap information</LI>\
<LI>economic value/duration statistical detail</LI>\
<LI>simulation results for various rate scenarios</LI>\
<LI>Linear Path Space – a structure sampling technique for generating rate scenarios, i.e. stochastic analysis</LI></UL><BR>\
<B>Derivative Management</B><BR><BR>\
Changing market conditions may lead to great fluctuations in the net interest margin.  In order to mitigate the interest rate \
risk exposure, the credit union can use derivative instruments to reduce volatility around the margin.  Derivative \
Management includes strategy recommendations for both new and existing derivative positions.  Decisions are based on a \
comprehensive analysis of interest rate risk simulation results and yield enhancement opportunities.<BR><BR>\
<B>Investment Management</B><BR><BR>\
Investment Management is a cost-effective solution, which provides access to specialists focused on serving credit unions.  \
First and foremost, the support is based on principles of sound financial management. Strategic Financial Management will work \
with the credit union to build a comprehensive investment strategy, based on liquidity needs, potential opportunities, and \
market expectations. Cash flow and statutory liquidity accounts are managed on a daily basis to optimize potential returns.</P>";
strHiddenTxt_cu_registered="<p><B>Credit Union Program (CU)</B><BR><BR>\
The CU Program enables credit unions with in-house data systems to utilize the trustee powers of Concentra Trust for delivering \
a full range of registered products to your membership. Concentra Trust retains legal liability for the operation of the \
program. The CU Program includes specimen plan registration and amendment, complete legislative and support manuals, assistance \
with legislative interpretation and problem resolution, liaison with regulators and designated representative training.<BR><BR>\
The majority of program information is delivered through <I><A HREF = 'https://www.credential.com/kx2/' TARGET = '_BLANK'>knowledgeXchange</A></I> (sign-up required) however select items are available here:\
<UL><LI><A HREF = 'http://www.concentrafinancial.ca/ppt/CURSP%20Presentation%20Overview/player.html' TARGET = '_BLANK'>CURSP Overview\
<LI><A HREF = 'http://www.concentrafinancial.ca/ppt/RRSP%20Estate%20Payout/player.html' TARGET = '_BLANK'>RRSP Estate Payouts</A></UL>\
<B>Credit Union Deposit Program</B><BR><BR>\
Credit union shares and term deposits are eligible investments under this program.<BR><BR>\
The Credit Union Deposit Program combines administration and trustee services enabling credit unions without an in-house data system to deliver a full range of registered products directly to their membership. Concentra Trust retains legal liability for the operation of the program. All deposits are retained by the credit union.<BR><BR>\The program includes specimen plan registration and amendment, complete legislative and support manuals, all data input forms and system entry, member reporting items (i.e. statements, tax slips, and receipts), regular system reports, assistance with legislative interpretation and problem resolution, liaison with regulators and designated representative training.<BR><BR>\
</P>";
strHiddenTxt_cu_corporate="<P>same as commercial</P>";
strHiddenTxt_cu_personal="<P><B>Executor EASE</B><BR><BR>\
Executor EASE is a program designed to assist Executors in fulfilling their role in administering an estate, and is \
available through your partnership with Concentra Trust.<BR><BR>\Being an Executor can be a tough job and many who accept \
an Executor appointment don't fully understand the duties, responsibilities and personal liabilities that come with it.<BR><BR>\
Your credit union can arrange a free 30-minute consultation for members or non-members currently serving as Executors with one \
of the estate administration experts at Concentra Trust. Concentra Trust can act as an agent to complete any or all of the \
administrative tasks associated with settling an estate.<BR><BR>\
<B>Concentra can help...</B><UL><LI>Locate, Assemble, Gather Information\
<LI>Understand and Gather Documentation<LI>Establish Executor Authority\
<LI>Manage Assets and Liabilities\
<LI>Prepare Statements and Reporting</UL>\
<B>Member Trust Services (MTS)</B><BR><BR>\
The MTS Program is designed for those credit unions that wish to be more involved in the provision of trust services. \
The MTS Program provides a cost-effective means to deliver Estate Planning, a critical wealth management component, to \
credit union members. MTS uses a web-based platform as well as individual coaching to deliver comprehensive product and \
program material to the credit union's trust specialist.<BR><BR>\Credit unions can capitalize on these opportunities by \
adding personal trust services into their wealth management strategy. The MTS program is at the heart of wealth management \
and provides your credit union with the ability to:\
<UL><LI>Position MTS to support your credit union's unique objectives.\
<LI>Offer specialized information and direction to your members.\
<LI>Provide cost-effective access to professional trust products and services.\
<LI>Link wealth accumulation, protection and distribution.\
<LI>Identify reciprocal business opportunities.\
<LI>Form stronger member relationships.\
<LI>Enhance fee revenue.</UL>\
Trust products and services provide your credit union with the unique opportunity to get to know your member and build stronger relationships. MTS products and services include:\
<UL><LI><A HREF = 'estate_planning.aspx' TARGET = '_BLANK'>Estate Planning</A>\
<LI><A HREF = 'estate_admin.aspx' TARGET = '_BLANK'>Estate Administration</A>\
<LI><A HREF = 'trusts.aspx' TARGET = '_BLANK'>Trusts</A>\
<LI><A HREF = 'managed_accounts.aspx' TARGET = '_BLANK'>Managed Accounts</A></UL>\
<B>Estate & Trust Referral</B><BR><BR>\
The Estate & Trust Referral Program is available to any credit union. There are no costs to join and no contracts to sign. Your credit union earns commission on qualified personal and corporate trust referrals. Making a referral is as simple as introducing your member to Concentra Financial.<BR><BR>\
<B>Concentra offers:</B>\
<UL><LI>Over 50 years of experience in the development and delivery of trust products and services\
<LI>A team of highly experienced trust professionals\
<LI>Client service and administration centres that are easily accessible by toll-free phone, fax or email\
<LI>A commitment to efficient, high quality client service\<LI>Respect and support for the credit union's role as the owner \
of the member relationship\
<LI>An email Trust Services Bulletin to keep you up to date with program developments, announcements and other \
important communications. It's easy and its free!  Click <A HREF = 'http://www.concentrafinancial.ca/trust/etr/etr_stay_informed.asp' TARGET = '_BLANK'>here</A> to subscribe.</UL>\
<B>Your role is to:</B>\
<UL><LI>Assess the situation\
<LI>Understand the potential need\
<LI>Facilitate an introduction of your member to Concentra Financial\
<LI>Maintain the ongoing member relationship</UL>\
<B>The role of Concentra is:</B>\
<UL><LI>Provide your member with professional trust solutions to fulfill their unique requirements</UL>\
<B>Your member receives:</B>\
<UL><LI>Assistance in understanding the options\
<LI>Access to professional trust services designed to meet their requirements</UL>\
<B>Your credit union receives:</B>\
<UL><LI>Access to expanded lines-of-business\
<LI>New ways to strengthen relationships with your members\
<LI>Referral commissions</UL>\
<B><FONT COLOR = '#B10921'>Assistance With Estate Administration:</B></FONT><BR><BR>\
<B>Estate Administration</B><BR><BR>\
As the appointed Executor or Co-Executor of your Will, Concentra Trust completes the administration of your estate. Assets and liabilities are \
located; debts, expenses and claims satisfied; preparation and filing of required tax returns is completed and assets are distributed to the \
correct beneficiaries. <BR><BR>\
You should consider the advantages of a professional Executor if:<BR><BR>\
<UL><LI>Your estate is extensive, complex and/or has many beneficiaries.\
<LI>Your spouse and/or family do not have the time, experience or expertise to be an Executor.\
<LI>Your intended Executor lives outside your province of residence.\
<LI>You have a physically or mentally challenged dependent.\
<LI>Your children are minors and a trustee will be required to administer long-term trusts.\
<LI>You have children from a previous relationship.\
<LI>Your adult children do not get along.\
<LI>You are concerned that having a family member administer your estate may cause rifts in the family.\
<LI>You plan to include perpetual charitable trusts or multi-generational trusts that will require a continuous and permanent trustee.\
<LI>You want to limit any personal liability for family members.</UL>\
<B>Estate Agency</B><BR><BR>\
Concentra Trust can be retained to act as an Agent for you in the event you have been named an Executor, Estate Administrator or Estate Trustee.<BR><BR>\
<B>Executor or Estate Administrator</B><BR><BR>\
As Agent for the Executor, Concentra Trust will perform any or all of the duties of the Executor, on behalf of that Executor. This may include \
locating assets and liabilities; satisfying debts, expenses and claims; preparation and filing of required tax returns and distribution of assets \
to the correct beneficiaries. Duties are carried out under the instruction of the named Executor and regular reporting provides detailed \
information to the Executor.<BR><BR>\
<B>Executor EASE</B><BR><BR>\A program designed for executors who are willing and able to perform some of the executor's duties but need assistance \
with complex or time consuming tasks.  Professional assistance from Concentra Trust is available on a per hour basis and can be selected from a \
menu of options.<BR><BR>\
<B>Trustee</B><BR><BR>\
When you've been named as Trustee in a Will, as your agent Concentra Trust can provide professional, impartial and long-term \
services. Under your direction, this may include safe custody of assets, ongoing trust administration in compliance with both the trust and \
governing authorities, and payment to beneficiaries. Regular reporting provides you with detailed information on the assets held and transactions \
processed.<BR><BR>\
<UL><LI>You do not have the expertise or experience in handling a complex estate or trust.\
<LI>You are concerned that family conflict may arise from you performing these functions.\
<LI>You are also named a beneficiary in the Will.\
<LI>You do not reside in the province in which the Estate will be settled or Trust will be administered.</UL><BR>\
<B><FONT COLOR = '#B10921'>Custom Solutions For Special Situations</B></FONT><BR><BR>\
<B>Personal Management Accounts</B><BR><BR>\
Intro to be added.<BR><BR>\
<UL><LI><A HREF = 'admin_accounts.aspx' TARGET = '_BLANK'>Administration Accounts</A>\
<LI><A HREF = 'disc_trusts.aspx' TARGET = '_BLANK'>Discretionary Trusts</A>\
<LI><A HREF = 'trustee_agent.aspx' TARGET = '_BLANK'>Trustee or Agent for the Trustee</A>\
<LI><A HREF = 'alter_ego.aspx' TARGET = '_BLANK'>Alter Ego/Joint Partner Trusts</A>\
<LI><A HREF = 'living_trusts.aspx' TARGET = '_BLANK'>Living Trusts</A>\
<LI><A HREF = 'first_nation.aspx' TARGET = '_BLANK'>First Nation/Aboriginal Trusts</A>\
<LI><A HREF = 'selfdir.aspx' TARGET = '_BLANK'>Self-Directed Registered Plans</A></UL>\
</P>";
strHiddenTxt_cu_drp="<P>Is this the same content for commercial?</P>";
strHiddenTxt_cu_mrp="<P>Is this the same content for commercial?</P>";
strHiddenTxt_cu_leasing="<P>To be added.</P>";
strHiddenTxt_cu_banking="<P>Corporate Banking is committed to delivering a comprehensive, community based corporate/commercial financial services package. Since we are part of a grassroots organization, we see your business differently than other financial institutions might. The heart of our philosophy is explained in our <A HREF = 'mandate.aspx' TARGET = '_BLANK'>mandate</A>.<BR><BR>\
Every product has a unique selling point. Our <A HREF = 'strengths.aspx' TARGET = '_BLANK'>strengths</A> outline what we bring to the table and why we can do things for your company that someone else probably wouldn't.<BR><BR>\
We offer relationship based access to an entire range of products and services.  We provide businesses and organizations with \
financial services that are flexible enough to suit individual company needs. At the same time, we have a solid foundation built on \
the strength of community credit unions and the regional presence of key decision makers.<BR><BR>\
Corporate Banking represents a network of community based credit unions, a team dedicated to supporting you and your \ organization.<BR><BR>\
<B>Products</B><BR><BR>\
<UL><LI><A HREF = 'cash_mgmt_pymt.aspx' TARGET = '_BLANK'>Cash Management & Payment</A>\
<LI><A HREF = 'credit_services.aspx' TARGET = '_BLANK'>Credit Services</A></UL></P>";

// ********************************  COMMERCIAL  ******************************************
strHiddenTxt_comm_leasing="<P>Commercial Leasing provides services nationally serving a diverse range of business owners who \
are in the market for equipment, technology and infrastructure financing.<BR><BR>\With competitive pricing, innovative \
financing structures and superior service, supported by the integrity and reputation of the Canadian credit union system, \
Commercial Leasing can and will provide a product second to none. In addition, a by-product of our funding relationship with \
the credit union system allows Canadian communities to retain the financial and other economic benefits that result from these \
lease transactions.<BR><BR><BR>\
<B><FONT COLOR = '#B10921'>Why Lease?</B></FONT><BR><BR>\
<B>Lower Payments</B><BR><BR>\
Standard loan financing can cost far more per month than leasing.<BR /><BR>\
<B>Designed for You</B><BR><BR>\Commercial Leasing can tailor a specific payment structure for almost any type of business and equipment.<BR><BR>\
<B>Latest Equipment</B><BR><BR>\
Replace or upgrade your equipment at the end of the lease.  Your equipment is always up to date and maximizes \
efficiency.<BR><BR>\
<B>Preserve Credit</B><BR><BR>\
Commercial Leasing expands your available capital without interfering with your established credit.<BR><BR>\
Overcome Budget Restrictions<BR><BR>\
You can't always predict when you'll need equipment. You can obtain what you need now even if it is not budgeted.<BR><BR>\
<B>Pay as You Profit</B><BR><BR>\
Put the equipment to work and pay as it generates revenue.<BR><BR>\
<B>We Know Your Business</B><BR><BR>\
Let's work together to design a lease program for the equipment you need.<BR><BR>\
For example:<BR><BR>\
<UL><LI>Heavy equipment for construction, mining and energy sectors\
<LI>Semi-tractors and trailers\
<LI>Grain bins and agricultural equipment\
<LI>Computer networks and communications systems\
<LI>Medical, laboratory and diagnostic equipment\
<LI>Government infrastructure equipment</UL><BR>\
<B><FONT COLOR = '#B10921'>Broker Information</B></FONT><BR><BR>\
To compete and win you need to keep one step ahead of your competitors in providing quality service to your customers. \
Friendly, knowledgeable and professional staff providing convenient and fast service is key to your success.<BR><BR>\
Why offer a leasing option?<BR><BR>\
<UL><LI>No matter what business you are in, it is almost certain that your competitors offer leasing as an option.\
<LI>Leasing offers an opportunity to reduce the cost of ownership and conserve operating capital.\
<LI>Expanding your financing options to include leasing provides your customers with an additional option rather than simply \
a straight equipment purchase.</UL>\
Why Commercial Leasing?<BR><BR>\
<UL><LI>We understand your customers' financing requirements\
<LI>We offer a simple application process<LI>We manage inquiries and applications quickly and efficiently\
<LI>We have a strong, dedicated support network\
<LI>We can develop a customized lease program to meet your business needs</UL>\
What Industries Does Commercial Leasing Serve?<BR><BR>\
<UL><LI>Construction\
<LI>Mining and energy sectors\
<LI>Financial\
<LI>Retail\
<LI>Agricultural\
<LI>Medical and Dental\
<LI>Professional including architects, lawyers and engineers\
<LI>Government</UL>\
Forms and Inventory<BR><BR>\
<UL><LI><A HREF = 'lease_credit_application.pdf' TARGET = '_BLANK'>Credit Application</A>\
<LI><A HREF = 'http://www.concentrafinancial.ca/leasing/inventory/inventory.asp' TARGET = '_BLANK'>Inventory</A></P>"
strHiddenTxt_comm_banking="<P>Corporate Banking is committed to delivering a comprehensive, community based corporate/commercial financial services package. Since we are part of a grassroots organization, we see your business differently than other financial institutions might. The heart of our philosophy is explained in our <A HREF = 'mandate.aspx' TARGET = '_BLANK'>mandate</A>.<BR><BR>\
Every product has a unique selling point. Our <A HREF = 'strengths.aspx' TARGET = '_BLANK'>strengths</A> outline what we bring to the table and why we can do things for your company that someone else probably wouldn't.<BR><BR>\
We offer relationship based access to an entire range of products and services.  We provide businesses and organizations with \
financial services that are flexible enough to suit individual company needs. At the same time, we have a solid foundation built on \
the strength of community credit unions and the regional presence of key decision makers.<BR><BR>\
Corporate Banking represents a network of community based credit unions, a team dedicated to supporting you and your \ organization.<BR><BR>\
<B>Products</B><BR><BR>\
<UL><LI><A HREF = 'cash_mgmt_pymt.aspx' TARGET = '_BLANK'>Cash Management & Payment</A>\
<LI><A HREF = 'credit_services.aspx' TARGET = '_BLANK'>Credit Services</A>\
<LI><A HREF = 'deposit_services.aspx' TARGET = '_BLANK'>Deposit Services</A>\
<LI><A HREF = 'other_services.aspx' TARGET = '_BLANK'>Other Services</A></UL>\
<B>Web Applications</B><BR><BR>\
<B><A HREF = 'https://business.memberdirect.net/business/default.jsp?inst=/sk/cucorp&app=Business' TARGET = '_BLANK'>Cash Management</A></B><BR><BR>\
For use by Corporate Banking clients, the Cash Management application is used to access account information and complete a \
variety of transactions.<BR><BR>\
<B><A HREF = 'https://www.directfx.integral.net/directFX/integral/fx/login/FI/ConcentraFSA/login.jsp' TARGET = '_BLANK'>DirectFX</A></B><BR><BR>\
For use by Corporate Banking clients, the DirectFX Application is used to make secure online currency transactions.</P>"

strHiddenTxt_comm_trusts="<P>Corporate Trust Services allow organizations to access a corporate trustee that can provide \
professional assistance in developing and carrying out their business plans. Concentra Trust's national regulatory capacity \
and legislative proficiency, together with specialized trust and custodial arrangements, can help businesses compete in \
today's rapidly evolving market place.<BR><BR>\
<P>We offer products to assist with:<BR><BR>\
<B>Enhancements to employee benefit programs:</B><BR>\
<UL><LI><A HREF = 'rca.aspx' TARGET = '_BLANK'>Retirement Compensation Arrangements</A>\
<LI><A HREF = 'profit_sharing.aspx' TARGET = '_BLANK'>Profit Sharing Plans - Employee, Deferred</A>\
<LI><A HREF = 'pensions.aspx' TARGET = '_BLANK'>Pensions - Employee, Company</A>\
<LI><A HREF = 'self_funded_leave.aspx' TARGET = '_BLANK'>Self-Funded Leave Arrangements</A></UL>\
<B>Safeguarding assets during transactions:</B><BR>\
<UL><LI><A HREF = 'condo_insurance.aspx' TARGET = '_BLANK'>Condominium Insurance Trusts</A>\
<LI><A HREF = 'escrows.aspx' TARGET = '_BLANK'>Escrows</A>\
<LI><A HREF = 'custodian.aspx' TARGET = '_BLANK'>Custodian</A>\
<LI><A HREF = 'cemetery_funeral.aspx' TARGET = '_BLANK'>Cemetery & Funeral Trusts</A>\
<LI><A HREF = 'registered_plans.aspx' TARGET = '_BLANK'>Registered Plans (RRSP, RRIF, RESP)</A></UL>\
</P>" + "<B>Administrative support in raising capital:</B><BR><UL><LI><A HREF = 'debentures.aspx' TARGET = '_BLANK'>Debentures</A>";

strHiddenTxt_cu_corporate=strHiddenTxt_comm_trusts + "<LI><A HREF = 'transfer_agent.aspx' TARGET = '_BLANK'>Transfer Agent/Registrar</A></UL>";

strHiddenTxt_comm_drp="<P>The Deposit Referral Program provides your clients with access to Concentra Financial's full range of \ competitive deposit products directly from your organization. Deposits are retained and administered by Concentra Financial and \
your organization receives a referral fee.<BR><BR>\
Deposit products include all locked-in funds from any jurisdiction, RRSP, RRIF, LIF, LRIF, GIC.<BR><BR></P>"
strHiddenTxt_comm_international="<P>International Services provides clients of Concentra Financial Corporate Banking and \
commercial members of credit unions across Canada with a complete suite of products to meet their international business \
needs.<BR><BR>\
Clients of International Services are provided access to a sophisticated online foreign currency trading platform, \
DirectFX.  DirectFX provides clients with the ability to trade currency 24 hours per day in real time at competitive rates. \
Clients can also take advantage of customized advice and guidance to build a hedging strategy to reduce their currency \
risk.<BR><BR>\
Credit unions can utilize the foreign exchange products to manage their foreign currency needs.<BR><BR>\
Login to <A HREF = 'https://www.directfx.integral.net/directFX/integral/fx/login/FI/ConcentraFSA/login.jsp' TARGET = '_BLANK'>Direct FX</A><BR><BR>\
The trade finance products of Concentra Financial help to mitigate the risks of international transactions through the offering \
of letters of credit and documentary collections.<BR><BR>\
<UL><LI><A HREF = 'foreign_exchange.aspx' TARGET = '_BLANK'>Foreign Exchange Products</A>\
<LI><A HREF = 'trade_finance.aspx' TARGET = '_BLANK'>Trade Finance Products</A></UL></P>"
strHiddenTxt_comm_mrp="<P>To be added.</P>"

// ********************************  CONSUMER  ******************************************
strHiddenTxt_public_b2b="<P>To be added.</P>"
strHiddenTxt_public_credential="<P>Concentra Financial has partnered with Credential Securities to develop and grow a Credential Securities \
sub-branch within Concentra Financial. Services available for individual investors and corporations include: \
<UL><LI>Full-service brokerage<LI>Investment advice and securities trading<LI>Investment and financial analysis<LI>Financial and strategic planning</UL></P>"
strHiddenTxt_public_personal="<P>Personal Trust Services are designed with the individual in mind. Are you concerned with caring for a dependant, \
safeguarding assets for future generations or settling an estate? Concentra Trust can help.<BR><BR><BR>\
<B><FONT COLOR = '#B10921'>Assistance With Estate Administration:</B></FONT><BR><BR>\
<B>Estate Administration</B><BR><BR>\
As the appointed Executor or Co-Executor of your Will, Concentra Trust completes the administration of your estate. Assets and liabilities are \
located; debts, expenses and claims satisfied; preparation and filing of required tax returns is completed and assets are distributed to the \
correct beneficiaries. <BR><BR>\
You should consider the advantages of a professional Executor if:<BR><BR>\
<UL><LI>Your estate is extensive, complex and/or has many beneficiaries.\
<LI>Your spouse and/or family do not have the time, experience or expertise to be an Executor.\
<LI>Your intended Executor lives outside your province of residence.\
<LI>You have a physically or mentally challenged dependent.\
<LI>Your children are minors and a trustee will be required to administer long-term trusts.\
<LI>You have children from a previous relationship.\
<LI>Your adult children do not get along.\
<LI>You are concerned that having a family member administer your estate may cause rifts in the family.\
<LI>You plan to include perpetual charitable trusts or multi-generational trusts that will require a continuous and permanent trustee.\
<LI>You want to limit any personal liability for family members.</UL>\
<B>Estate Agency</B><BR><BR>\
Concentra Trust can be retained to act as an Agent for you in the event you have been named an Executor, Estate Administrator or Estate Trustee.<BR><BR>\
<B>Executor or Estate Administrator</B><BR><BR>\
As Agent for the Executor, Concentra Trust will perform any or all of the duties of the Executor, on behalf of that Executor. This may include \
locating assets and liabilities; satisfying debts, expenses and claims; preparation and filing of required tax returns and distribution of assets \
to the correct beneficiaries. Duties are carried out under the instruction of the named Executor and regular reporting provides detailed \
information to the Executor.<BR><BR>\
<B>Executor EASE</B><BR><BR>\A program designed for executors who are willing and able to perform some of the executor's duties but need assistance \
with complex or time consuming tasks.  Professional assistance from Concentra Trust is available on a per hour basis and can be selected from a \
menu of options.<BR><BR>\
<B>Trustee</B><BR><BR>\
When you've been named as Trustee in a Will, as your agent Concentra Trust can provide professional, impartial and long-term \
services. Under your direction, this may include safe custody of assets, ongoing trust administration in compliance with both the trust and \
governing authorities, and payment to beneficiaries. Regular reporting provides you with detailed information on the assets held and transactions \
processed.<BR><BR>\
<UL><LI>You do not have the expertise or experience in handling a complex estate or trust.\
<LI>You are concerned that family conflict may arise from you performing these functions.\
<LI>You are also named a beneficiary in the Will.\
<LI>You do not reside in the province in which the Estate will be settled or Trust will be administered.</UL><BR>\
<B><FONT COLOR = '#B10921'>Custom Solutions For Special Situations</B></FONT><BR><BR>\
<B>Personal Management Accounts</B><BR><BR>\
Intro to be added.<BR><BR>\
<UL><LI><A HREF = 'admin_accounts.aspx' TARGET = '_BLANK'>Administration Accounts</A>\
<LI><A HREF = 'disc_trusts.aspx' TARGET = '_BLANK'>Discretionary Trusts</A>\
<LI><A HREF = 'trustee_agent.aspx' TARGET = '_BLANK'>Trustee or Agent for the Trustee</A>\
<LI><A HREF = 'alter_ego.aspx' TARGET = '_BLANK'>Alter Ego/Joint Partner Trusts</A>\
<LI><A HREF = 'living_trusts.aspx' TARGET = '_BLANK'>Living Trusts</A>\
<LI><A HREF = 'first_nation.aspx' TARGET = '_BLANK'>First Nation/Aboriginal Trusts</A>\
<LI><A HREF = 'selfdir.aspx' TARGET = '_BLANK'>Self-Directed Registered Plans</A></UL>\
</P>"

strHiddenTxt_public_mortgages="<P><B>Conventional Mortgage</B><BR><BR>\For borrowers who do not require an insured product, or those who have built \
up equity in their existing homes, Concentra Financial offers quality mortgage funding at competitive rates. Moving up and building for the future \
is simple with a conventional mortgage. Concentra Financial will lend an amount not exceeding the lesser of 80% of the appraised value or purchase \
price of a property. First and second mortgages are available with a maximum amortization of 35 years.<BR><BR>\
<B>High-Ratio</B><BR><BR>\Concentra Financial offers a high ratio, insured mortgage to assist those borrowers wishing to finance in excess of 75% \
of a property's value. <BR><BR>\
<B>Support Information</B><BR><BR>\
<UL><LI><A HREF = 'mortgage_features_and_options.aspx' TARGET = 'BLANK'>Mortgage Features and Options</A>\
<LI><A HREF = 'http://www.concentrafinancial.ca/forms/800-246.pdf' TARGET = '_BLANK'>Mortgage Reference Sheet</A>\
<LI><A HREF = 'http://www.concentrafinancial.ca/forms/800-736.pdf' TARGET = '_BLANK'>High-Ratio/Conventional Construction Mortgages</A></UL></P>"
strHiddenTxt_public_deposits="<P><B>Disclosures</B><BR><BR>\
<B>Canada Deposit Insurance Corporation (CDIC)</B><BR><BR>\
Concentra Financial is a member of the <A HREF = '' TARGET = '_BLANK'>Canada Deposit Insurance Corporation (CDIC)</A>. CDIC automatically insures many types of savings against the \
failure of a financial institution that is a CDIC member. But, there are some savings that CDIC does NOT insure. Please see the ‘Eligible Concentra \
Products' list below for a complete listing of Concentra's products eligible for CDIC coverage.<BR><BR>\
<UL><LI><A HREF = '' TARGET = '_BLANK'>Protecting your Deposits (CDIC Brochure)</A>\
<LI><A HREF = '' TARGET = '_BLANK'>Eligible Concentra Products</A></UL>\
<B>Rates & Options</B><BR><BR><UL>\
<LI><A HREF = 'http://www.concentrafinancial.ca/rates/public_deposit_rates.asp' TARGET = '_BLANK'>Rates</A>\
<LI><A HREF = 'http://www.concentrafinancial.ca/deposits/ratemaker.asp' TARGET = '_BLANK'>Ratemaker Deposit</A>\
<LI><A HREF = 'http://www.concentrafinancial.ca/deposits/self_directed.asp' TARGET = '_BLANK'>Self-Directed Plan</A></UL>\
<B>Guaranteed Investment Certificate (GIC)</B><BR><BR>\
Guaranteed Investments offer a guaranteed rate of return over a fixed period of time.<BR><BR>\
<B>Life Income Fund (LIF)</B><BR><BR>\
The LIF is a Locked-In Retirement Income Option investment plan, permitted to age 80* and designed to provide retirement income from funds \
originating in an eligible registered pension plan, Locked-in RRSP or LIRA**. Interest accumulates tax free in the LIF until funds are paid out. \
* LIF funds governed under Newfoundland and Labrador or Saskatchewan must be converted to a life annuity by age 80. All other jurisdictions have eliminated this requirement.<BR><BR>\
** Newfoundland and Labrador pension legislation also provides for the transfer of LIF funds to an LRIF by this same deadline.<BR><BR>\
<B>Locked-In Retirement Account (LIRA)/Locked-In Retirement Savings Plan (LIRSP)</B><BR><BR>\
A Locked-In Retirement Savings Account (LIRA)/Locked-In Retirement Savings Plan (LIRSP) may be purchased with funds governed under pension \
jurisdictions that are held in a LIRA, Life Income Fund (LIF), Locked-in Retirement Fund (LRIF) or RPP.  Income earned on LIRA/LIRSP amounts is tax sheltered.<BR><BR>\
If an AB LIRA is transferred to a LIF, Defined Contribution Retirement Income Accounts (DC RIA) or Annuity the annuitant is eligible for a one-time 50% unlocking option.<BR><BR>\
<B>Locked-In Retirement Income Fund (LRIF)</B><BR><BR>\
The LRIF is a Locked-in Retirement Income Option investment plan designed to provide a retirement income for life.  \
The LRIF may be purchased with funds that are held in a Locked-in Retirement Account (LIRA) or a Registered Pension Plan (RPP).  \
Interest accumulates tax free in the LRIF until funds are paid out.<BR><BR>\
<B>Manitoba Registered Retirement Income Fund (MB RRIF)</B><BR><BR>\
A LIF/LRIF annuitant who is at least age 55 may apply for a 'once in a life time' transfer of an amount up to 50% of the balance in one or more \
LIF/LRIF contracts that are governed under Manitoba pension legislation to a MB RRIF. Interest accumulates tax free in the MB RRIF until funds are \
paid out.<BR><BR>\
<B>Registered Education Savings Plan (RESP)</B><BR><BR>An RESP is a government-approved plan for the purpose of providing post-secondary education \
funding for a beneficiary. Income earned within the plan is not taxed until it is withdrawn.<BR><BR>The Canada Education Savings Grant (CESG) \
program allows eligible RESP beneficiaries to receive grant monies based on annual contributions paid into the plan. The government will contribute \
20% annually on the first $2,500 deposited into an RESP for children up to the end of the year they attain 17 years of age (some exceptions apply).  \
Depending on the family net income, additional CESG of up to 20% annually on the first $500 deposited into an RESP may also be available to eligible \
beneficiaries.<BR><BR>\
<B>Registered Retirement Savings Plan (RRSP)</B><BR><BR>\
A Registered Retirement Savings Plan (RRSP) is a federal government-approved plan in which the depositor can save for retirement. Contributions are \
made within pre-defined limits and the income earned on RRSP deposits is tax sheltered until the funds are withdrawn.  The purchase of an RRSP \
investment allows the individual to claim a tax deduction for the amount of the annual contribution, thus reducing the amount of one's overall \
taxable income.<BR><BR>\
Concentra Financial allows depositors to make RRSP contributions in an amount and frequency that best suits their financial situation.<BR><BR>\
<B>Registered Retirement Income Fund (RRIF)</B><BR><BR>\
A financial product funded with RRSP deposits and designed to provide an income stream during retirement. Interest accumulates tax free in the \
RRIF deposit until the funds are paid out. A RRIF may be purchased any time prior to December 31st of the year the planholder attains age 71.<BR><BR>\
<B>Restricted Life Income Fund (RLIF)</B><BR><BR>\
The RLIF is a Locked-in Retirement Income Option investment plan that is governed under the Federal <I>Pension Benefits Standards Act, 1985</I> \
(PBSA, 1985) jurisdiction. The RLIF is designed to provide retirement income from funds originating from a Registered Pension Plan (RPP), \
Locked-in Retirement Savings Plan (LIRSP) or Restricted Locked-in Retirement Savings Plan (RLSP) governed under PBSA, 1985. Interest accumulates \
tax free in the RLIF until funds are paid out. <BR><BR>\An RLIF may be purchased at any time prior to December 31st of the year the annuitant attains \
age 71.<BR><BR>\
<B>Restricted Locked-In Retirement Savings Plan (RLSP)</B><BR><BR>\
A Restricted Locked-In Retirement Savings Plan (RLSP) may be purchased with funds are held in a Restricted Life Income Fund (RLIF).  Income earned \
on RLSP amounts is tax sheltered.<BR><BR>\
<B>Saskatchewan Registered Retirement Income Fund (SK RRIF)</B><BR><BR>\
The SK RRIF is a Retirement Income Option investment plan designed to provide a retirement income. The SK RRIF is funded from an eligible registered \
pension plan, Locked-In Retirement Account (LIRA), Locked-In Retirement Income Fund (LRIF) or Life Income Fund (LIF). Interest accumulates tax free \
in the SK RRIF until funds are paid out. <BR><BR>\The minimum age at which a SK RRIF may be purchased is age 55 (earlier if the pension plan \
provided), but must be no later than December 31st in the year the planholder attains age 71.<BR><BR>\
<B>Self-Directed Registered Plans</B><BR><BR>\
Self-directed registered plans provide investors with the ability to create personal portfolios for either retirement savings or retirement income \
plans.<BR><BR>\
Retirement Savings Plans:<UL>\
<LI>Registered Retirement Savings Plan (RRSP)\
<LI>Locked-In Retirement Savings Plan (Locked-In RSP)\
<LI>Locked-In Retirement Account (LIRA)\
<LI>Restricted Locked-in Retirement Savings Plan (RLSP)</UL>\
Retirement Income Plans:<UL>\
<LI>Registered Retirement Income Fund (RRIF)\
<LI>Locked-In Retirement Income Fund (LRIF)\
<LI>Life Income Fund (LIF)<LI>Restricted Life Income Fund (RLIF)\
<LI>Manitoba Registered Retirement Income Fund (MB RRIF)\
<LI>Saskatchewan Registered Retirement Income Fund (SK RRIF)</UL>\
<B>Tax-Free Savings Plans (TFSA)</B><BR><BR>\
A Tax-Free Savings Plan (TFSA) is a federal government approved plan. Contributions are made within pre-defined limits and the investment income \
earned on the TFSA deposits is tax-free. <BR><BR>\Contact your local credit union for more details on any of these products.<BR><BR>\
</P>"


// PRODUCT ARRAY DEFINITIONS - (Header, Query String, Hidden Text as String)

// ********************************  CU  **************************************************
var arr_cu_capital = new Array("Capital Markets and Financial Management", "cu_capital", strHiddenTxt_cu_capital);
var arr_cu_credit = new Array("Credit and Liquidity Management", "cu_credit", strHiddenTxt_cu_credit);
var arr_cu_strategic = new Array("Strategic Financial Management", "cu_strategic", strHiddenTxt_cu_strategic);
var arr_cu_registered = new Array("Registered Plans", "cu_registered", strHiddenTxt_cu_registered);
var arr_cu_corporate = new Array("Corporate Trusts", "cu_corporate", strHiddenTxt_cu_corporate);
var arr_cu_personal = new Array("Personal Trusts", "cu_personal", strHiddenTxt_cu_personal);
var arr_cu_drp = new Array("Deposit Referral Program", "cu_drp", strHiddenTxt_cu_drp);
var arr_cu_mrp = new Array("Mortgage Referral Program", "cu_mrp", strHiddenTxt_cu_mrp);
var arr_cu_leasing = new Array("Commercial Leasing", "cu_leasing", strHiddenTxt_cu_leasing);
var arr_cu_banking = new Array("Corporate Banking", "cu_banking", strHiddenTxt_cu_banking);

// ********************************  COMMERCIAL  **************************************************
var arr_comm_leasing = new Array("Commercial Leasing", "comm_leasing", strHiddenTxt_comm_leasing);
var arr_comm_banking = new Array("Corporate Banking", "comm_banking", strHiddenTxt_comm_banking);
var arr_comm_trusts = new Array("Corporate Trusts", "comm_trusts", strHiddenTxt_comm_trusts);
var arr_comm_drp = new Array("Deposit Referral Program", "comm_drp", strHiddenTxt_comm_drp);
var arr_comm_international = new Array("International Services", "comm_international", strHiddenTxt_comm_international);
var arr_comm_mrp = new Array("Mortgage Referral Program", "comm_mrp", strHiddenTxt_comm_mrp);

// ********************************  CONSUMER  **************************************************
var arr_public_b2b = new Array("Our B2B2C Philosophy", "public_b2b", strHiddenTxt_public_b2b);
var arr_public_credential = new Array("Credential Securities", "public_credential", strHiddenTxt_public_credential);
var arr_public_personal = new Array("Personal Trusts", "public_personal", strHiddenTxt_public_personal);
var arr_public_mortgages = new Array("Mortgages", "public_mortgages", strHiddenTxt_public_mortgages);
var arr_public_deposits = new Array("Deposits", "public_deposits", strHiddenTxt_public_deposits);