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Dear Valued Customer Thank you for choosing FCT! Enjoy fast, superior service and low fixed closing costs — all from FCT. Dear As per your recent decision to partner with Canadiana Financial Corp on your mortgage, please find enclosed information you will require in order to assist you to close your transaction using FCT. I would like to take this opportunity to introduce you to FCT. FCT has partnered with Canadiana Financial Corp to assist you in the processing of your Mortgage. FCT's commitment to excellence in customer service will ensure that your transaction proceeds smoothly and efficiently. The following steps will outline the service you can expect from FCT: Process Overview: 1. FCT will arrange for the preparation of the mortgage documents associated with your mortgage transaction in accordance with Canadiana instructions. 2. Once the document package is prepared, an FCT signing agent will contact you to schedule an appointment at your home for you to sign your mortgage documents*. 3. The signing agent’s role in the transaction is to witness the transaction and record details of your identification. 4. At the signing appointment the following documents will be required from all mortgagors/guarantors to process the mortgage. Should any other documents be required, FCT will advise you accordingly and well in advance of the appointment. Two Pieces of Identification. Please refer to the Acceptable Identification chart on the back of letter and be prepared to provide photocopies of each front and back*. 5. Once all mortgage documents have been signed, FCT will work directly with Canadiana Financial Corp to complete the transaction and the deal will be funded on the closing date. 6. If you have any unsecured debts being paid out from the mortgage proceeds, FCT will courier to you the cheques payable to the unsecured creditor, for you to apply the payment. If you have any questions or concerns about your transaction, please speak with me directly as FCT is not permitted to review and discuss the terms of your mortgage. Through this process, for an additional fee, you can also obtain a homeowner title insurance policy to protect your greatest investment: Your home! Unlike house insurance, you only pay a one-time premium with no deductible and you receive industry leading protection. To find out more information, visit: www.fct.ca or call 1.866.465.9120 Both FCT and I look forward to working with you to quickly and efficiently close your mortgage transaction. Regards, List of Acceptable Identification Documents Obtain two pieces of identification, at least one of which contains a photograph and is from List A. ACCEPTABLE IDENTIFICATION: LIST A – Acceptable Photo Identification Valid Driver's License issued in Canada Current Canadian Passport Certificate of Canadian Citizenship or Certification of Naturalization Permanent Resident Card or Citizenship and Immigration Canada Form IMM1000 or IMM1442 Firearms Acquisition Certificate (FAC) or a license — either a Possession Only or a Possession and Acquisition License (PAL) — issued by the Canadian Federal government under the Firearms Act. Armed Forces ID issued by the Government of Canada FAST Express Card/NEXUS Card A Provincial or territorial identification card issued by any of the following: The Ministry of Transportation of Ontario (Ontario Photo Card) The Insurance Corporation of British Columbia; Alberta Registries; Saskatchewan Government Insurance; Manitoba Public Insurance The Department of Service Nova Scotia and Municipal Relations; The Department of Transportation and Public Works of the Province of Prince Edward Island; Service New Brunswick; The Department of Government Services and Lands of the Province of Newfoundland and Labrador; The Department of Transportation of the Northwest Territories; or The Department of Community Government and Transportation of the Territory of Nunavut. LIST B Birth Certificate Social Insurance Number (SIN) Provincial Health Card (except for Ontario, PEI, Manitoba, Nova Scotia And Quebec*) Signed credit card issued by a member of the Canadian Payments Association Signed Canadian Institute for the Blind (CNIB) client card with a photograph Certificate of Indian Status NOTES: *Please remember to photocopy your identification in preparation for the signing appointment with our signing agent. The primary piece of identification must be either a valid Canadian Driver's License or passport. The secondary identification can be a Birth Certificate, SIN card or major credit card. You must provide clear and legible photocopies of the front and back of all pieces of identification; for a Passport only the picture page is required. 1. All identification documents must be current to be acceptable. 2. We can accept an individual’s provincial health card, but only if it is not prohibited by provincial or territorial legislation. 3. Currently Ontario, Manitoba, Nova Scotia and P.E.I. prohibit use of the health card for identification purposes. *In Quebec, we cannot request to see a client’s Health Card, but we may accept it if the client wants to use it for identification purposes. 4. Valid foreign ID, if equivalent to an acceptable type of Canadian identification document, is acceptable. 5. Where the individual is not physically present in Canada, a third party (e.g., lawyer, notary public, commissioner of oaths or similar person) who is attesting to the individual’s identity on our behalf has to be properly instructed in writing to act as our agent and has to complete and sign the IVF Form. In addition, the lawyer, notary public, commissioner of oaths or similar person’s standing should be confirmed directly or through the Canadian consulate or embassy in that country. Alternatively, the individual can attend the closest Canadian consulate or embassy and have his/her identification attested to. In such a case, the officer at the consulate or embassy would have to complete and sign the IVF Form. .
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