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Frequently Asked Questions
payment frequency that allows you to pay half the monthly
payment every two weeks. Since there are 52 weeks in a year,
you will make 26 payments a year (52 ÷ 2). To calculate the
amount of your accelerated biweekly payments, divide your
monthly payment by two (for example, $1,000 ÷ 2 = $500). You
make the equivalent of one extra monthly payment per year,
which means you will pay off your mortgage faster and save in
payment frequency that allows you to pay one quarter of the
monthly payment every week. To calculate the amount of your
accelerated weekly payments, divide your monthly payment by
four (for example, $1,000 ÷ 4 = $250). You make the
equivalent of one extra monthly payment per year, which means
you will pay off your mortgage faster and save in interest
period of time it will take to pay off a mortgage in full. The
most common amortization period for a new mortgage is 25
years. Not to be confused with the term of
annual interest rate charged on transactions when you don't
pay your balance in full. Credit card issuers can charge
different interest rates for different types of transactions,
such as balance transfers, cash advances and purchases.
A type of investment contract that pays you income at
regular intervals, usually after retirement.
Any thing of value owned by an individual or organization.
Automated banking machine (ABM)
An electronic kiosk or terminal that allows you to conduct
financial transactions such as paying bills, withdrawing cash
and depositing cheques. Also called an automatic
teller machine (ATM).
Automatic teller machine (ATM)
See automated banking machine.
A federally regulated financial institution that, in
general, engages in the business of taking deposits, lending
and providing other financial services.
Federal legislation governing the structure and operation
of banks in Canada.
Bank of Canada
Canada's central bank. It is responsible for Canadian
monetary policy, issuing bank notes, regulating and supporting
Canada's principal systems for clearing and settling payments,
and acting as fiscal agent for federal government debt.
The minimum lending rate of the Bank of Canada. It is
applied to advances to institutions that are members of the
Canadian Payments Association, and to purchase and resale
transactions with key investment dealers in the money market.
It is also the primary indicator of Bank of Canada monetary
policy. The bank rate is an important tool because it is seen
as the trend-setter for other short-term interest rates.
Changes in the bank rate often lead to changes in the prime
rate, which is the rate of interest that commercial banks
charge their lowest-risk customers. Other rates can be
affected, including those for mortgages, cars and business
loans, as well as rates paid to savers on deposits and
An interest rate, applied to a refinanced loan that is a
combination of the interest rate of the old mortgage and the
interest rate for the additional amount to be borrowed.
A certificate received for a loan made to a company or
government. In return, the issuer of the bond promises to pay
the lender interest at a set rate and to repay the loan on a
Canada Deposit Insurance Corporation (CDIC)
A federal Crown corporation established in 1967 to protect
Canadian currency deposits against the possible failure of
member financial institutions (which include banks, and trust
and loan companies). As a general rule, eligible deposits are
protected up to a maximum of $100,000 per person, including
principal and interest, at each member institution.
Canada Mortgage and Housing Corporation (CMHC)
Crown corporation that administers the National Housing
Act for the federal government, and creates and sells mortgage
default insurance products.
Canada Premium Bond
A new savings product for individual Canadians, introduced
by the Government of Canada in 1998. It offers a higher
interest rate than the Canada Savings Bond, and is redeemable
once a year on the anniversary of the issue date or during the
30 days thereafter without penalty.
Canada Savings Bond (CSB)
A savings product issued and guaranteed by the federal
government, and offered for sale by most Canadian financial
institutions to individual Canadians. It pays a competitive
rate of interest that is guaranteed for one or more years. It
may be cashed at any time and, after the first three months,
pays interest up to the end of the month prior to encashment
Canadian Bankers Association (CBA)
Established in 1891, the CBA is the main representative
body for banks in Canada. It provides its members — the
chartered banks of Canada — with information, research,
advocacy and operational support services. The CBA also
provides information to the public on banking and financial
Canadian Payments Association (CPA)
A financial network established in 1980 to operate a
national clearing and settlement system.
Capital gain or loss
The profit or loss that results from the sale of an asset,
such as a security or real estate.
Cash obtained from an ABM or at a teller, charged to your
credit card(s). A cash advance is a loan, and the amount you
borrow may be subject to daily limits. There is no
interest-free period, so interest is charged from the day you
withdraw the funds until the day you repay the amount of the
advance in full. It is therefore an expensive way to obtain
Transactions that are treated like cash advances. As with
cash advances, there is no interest-free period, so interest
is charged from the day the transaction is made. Cash-like
transactions include: wire transfers, money orders, travellers'
cheques and gaming transactions such as buying lottery
tickets, casino gaming chips, and betting.
An optional feature that pays you a percentage of your
mortgage in cash right away, in some cases in return for a
higher interest rate than you would have paid without that
feature. This can help you pay for things you'll need when
getting a new home, such as legal fees or even furniture.
A plastic card that allows the holder to make purchases at
participating retailers with borrowed funds.
A written order for payment of a certain amount of money.
Cheque cashing outlet
A business that provides cheque cashing and basic
financial services, such as foreign currency exchange, money
transfers and money orders.
Costs in addition to the purchase price of the home, such
as appraisal fees, legal fees or prepaid property taxes. These
costs must be paid before you take possession of your home.
They range from 1.5% to 4% of a home's selling price.
A mortgage agreement that cannot be prepaid or changed
before the end of the term. Your lender may let you make
certain prepayments without penalty, but you will usually have
to pay a penalty to break your mortgage agreement.
Code of conduct
Non-legislated guidelines that one or more organizations
agree to follow. Also referred to as voluntary code or code of
practice, it typically outlines service standards that you can
expect in dealings with a company subscribing to the code.
An investment that gives the holder part ownership in a
company and the right to vote on major decisions affecting it.
Consumer price index (CPI)
Measure of price changes, produced by Statistics Canada on
a monthly basis. It measures the retail prices of a shopping
basket of about 300 goods and services, including food,
housing, transportation, clothing and recreation.
Certain sections of various federal acts and regulations
relating to financial institutions (e.g., the Bank Act, the
Insurance Companies Act) are designated as “consumer
provisions” by the Financial Consumer Agency of Canada Act.
They are designed to protect consumers in their everyday
dealings with financial institutions. The FCAC monitors
federally regulated financial institutions to ensure they
adhere to the consumer provisions that apply to them.
Conventional mortgage (also referred to as low-ratio
A mortgage loan of up to a maximum of 80% of the purchase
price of a home. You must get mortgage default insurance if
your mortgage exceeds that limit.
A cheque provided by the credit card issuer that results
in a charge to your credit card. When you use a convenience
cheque, the transaction is treated as a cash advance. There is
no interest-free period, and you're charged interest until you
pay back the amount of the cheque in full. It is therefore an
expensive way to pay.
A fee for withdrawing money from an ABM that does not
belong to your credit card issuer.
A mortgage feature that allows you to change your interest
rate mortgage to another interest rate mortgage at any time
with no penalty.
Co-operative credit association
An association that is organized and operated on
co-operative principles, with one of its principal purposes
being to provide financial services to its members.
Co-operative Credit Associations Act
Federal legislation governing the structure and operation
of co-operative credit associations in Canada.
A plastic payment card that allows the holder to obtain
goods and services on credit terms and without the requirement
to pay cash. A credit card may also be used to obtain cash.
Credit card balance
The amount of money you owe your credit card issuer.
A rating created by authorized credit agencies that
denotes a person's credit history.
A snapshot of your credit history and one of the main
tools lenders use to decide whether or not to give you credit.
You can request a copy of your credit report from the two
credit-reporting agencies, Equifax and TransUnion.
A numeric rating that is a reflection of your financial
health, at a specific point in time. It indicates the risk you
represent for lenders, compared with other consumers. The
credit-reporting agencies, Equifax and TransUnion, use a scale
from 300 to 900. Lenders may also have their own ways of
arriving at credit scores. Credit score is sometimes also
called credit rate.
A co-operative financial institution that is owned by its
members and operates for their benefit. Credit unions and
caisses populaires (a form of credit union located primarily
in Quebec) are subject to provincial regulation and are
usually small and locally oriented.
A plastic card that, when used in conjunction with a
personal identification number (PIN), allows you to
electronically access your bank accounts from automated
banking machines or at retailers offering the Interac Direct
Money put into an account at a financial institution,
such as a bank. The deposit may be in the form of cash, cheque
or electronic transaction.
An account in which money is deposited. Examples include
chequing and savings accounts.
Certain types of deposits with a financial institution are
insured up to a maximum amount, in the event that the
financial institution fails (i.e., goes bankrupt).
A bank, trust company, credit union / caisse populaire or
other financial institution that accepts deposits from the
public and provides regular banking services, such as chequing
and savings accounts.
A portion of a company's profit paid to shareholders.
The amount of money you deposit when you first buy your
home. It must be at least 5% of the purchase price, but can be
more. The down payment will help determine how much you need
as a mortgage loan, and whether or not you will have to pay
mortgage default insurance, which is required if you have a
down payment of less than 20% of the purchase price.
Electronic commerce (E-commerce)
Conducting business communications and transactions over
networks and through computers. Electronic commerce is the
buying and selling of goods and services, and the transfer of
funds, through digital communications. It also includes buying
and selling over the Internet, electronic fund transfers,
smart cards, digital cash and all other ways of doing business
over digital networks.
The process of arranging one's personal affairs to provide
for death or mental incapacity.
Federally regulated financial institution
A financial institution regulated by the federal
government. It has been created or allowed to offer financial
services in Canada pursuant to one of the financial
institution statutes established by the federal government
(the Bank Act, the Insurance Companies Act, etc.). Federally
regulated institutions (also called federal financial
institutions) consist of all banks and all federally
incorporated or registered insurance, trust and loan companies
and co-operative credit associations.
A commercial or investment bank, trust company, brokerage
house, insurance company, or other institution that
participates in financial transactions involving cash or
financial products. The primary role of such an institution is
to facilitate the financing of investments, from home
mortgages to the raising of funds via the issue of debt or
equity for mega-projects. It may also provide insurance, take
on fiduciary responsibilities, store cash and securities for
Financial service charge
A fee charged by a financial institution for using its
services — for instance, for making bill payments, writing
cheques or using automated banking machines. Fees vary
depending on the service and the financial institution used.
Under per transaction fee plans, you pay as you go for each
transaction; under flat fee plans, you pay a set price each
month for a certain number of transactions. Companies set
their own service charges but federally regulated institutions
must advise clients when they plan to increase or introduce
Fixed interest rate mortgage
A mortgage loan where the interest rate and payment amount
do not change for a specific term.
Foreign bank branches
Legislation permits a foreign bank to operate in Canada
through branches rather than subsidiaries, and to focus on
commercial banking and broader lending activities. Foreign
bank branches are permitted to take only deposits of $150,000
and over, which are defined as retail deposits.
Various instruments used to settle payments for
transactions between individuals or organizations using
different currencies (e.g., notes, cheques, etc.).
Gross debt service (GDS) ratio
The percentage of your gross income (before deductions
such as income tax) required to cover the costs associated
with your home, such as mortgage payments, property taxes and
heating. As a general rule of thumb, the GDS ratio should not
exceed 32% of your gross income.
Guaranteed investment certificate (GIC)
An investment that offers a guaranteed rate of return over
a fixed period of time, usually between 30 days and 5 years.
High ratio mortgage
A mortgage for more than 80% of the purchase price of the
home. For a high ratio mortgage, mortgage default insurance is
A company that has control over other companies through
ownership of a sufficient proportion of those companies'
Home Buyers' Plan (HBP)
A federal government program that allows first-time
homebuyers to withdraw money from their Registered Retirement
Savings Plans (RRSP) tax-free to make their down payment or
other closing costs. The HBP is administered by the Canada
The difference between the value of your home and the
unpaid balance of your mortgage. Your home equity increases
with time as you pay your mortgage down and/or as the value of
your home increases.
Home equity line of credit (also referred to as
secured loan or collateral mortgage)
Is a loan where property is used as security for the loan
or line of credit? These funds can be used for any purpose.
For example the consumer could use the secured line of credit
to purchase a car.
A statistical measure of the state of the stock market or
economy. There are indexes that measure changes in the prices
of consumer goods and services and others that measure the
value of groups of stocks or bonds (e.g., stock market index).
Index-linked deposit (ILD)
A term deposit that pays a rate of return based on the
performance of one or more financial indicators such as the
level of a stock market index (e.g., Toronto Stock Exchange [TSX]
60 or 35) over the term of the deposit. It differs from a
savings product that pays a fixed rate of interest and assures
a guaranteed return on the investment, such as a traditional
GIC or term deposit. With an ILD, the original deposit is
guaranteed but any return is not. An example is a
market-linked GIC: if the stock market rises over the term of
the investment, the investor benefits from the rise up to a
maximum return. If there is no rise in the stock market, the
original deposit remains fully protected but the investor will
receive no return (i.e., no interest is payable).
In good standing
The average rate of increase in prices. When economists
speak of inflation as an economic problem, they generally mean
a persistent increase in the general price level over a period
of time, resulting in a decline in a currency's purchasing
power. Inflation is usually measured as a percentage increase
in the consumer price index.
The fact that payments on a credit account are up-to-date
— in other words, the cardholder has made at least the
minimum payment has rarely missed payments and is not over the
National organization of financial institutions and
technology service providers, allowing Canadians convenient
access to their deposit accounts through the shared network of
automated banking machines and Interac Direct Payment, the
debit card service.
Interac Direct Payment
A means of paying for goods and services with a debit card
that authorizes transfer of the funds, via the Interac Direct
Payment network, directly from the purchaser's account to the
The amount paid by a borrower to a lender for the use of
Interest-free grace period
A number of days during which no interest is charged on
the transaction. By law, all federally regulated financial
institutions that issue credit cards must provide a minimum
21-day interest-free grace period on all new credit card
purchases, as long as the balance is paid in full by the
credit card statement's due date. Check the information box at
the beginning of your credit card agreement to determine the
length of the grace period for your credit card, or see FCAC's
Credit Card Comparison tables. NOTE: There is no interest-free
grace period for cash advances, cash-like transactions or
The percentage used to calculate the interest to be paid.
Interest rate cap
A maximum interest rate that can be charged on a variable
interest rate mortgage, regardless of any increase in market
A special interest rate on credit card balances that some
issuers offer for a specific period of time, usually from a
few months to a year. Many credit card issuers offer low
introductory rates to attract new cardholders.
Money put into a form that earns a return or profit. In
essence, the money is being used to make money.
A firm that trades securities for its clients and offers
other investment services. Also known as a securities dealer
or brokerage house.
Investment Dealers Association (IDA)
Formed in 1916, the IDA is the national self-regulatory
organization of the securities industry. It monitors and
regulates the activities of investment dealers, and promotes
the interests of the securities industry.
The income received from investment in securities and
property. It includes rent from property, dividends from
shares in corporations, and interest from bonds, guaranteed
investment certificates, bank accounts, certificates of
deposit, Treasury bills and other financial securities.
A project undertaken by two or more parties to achieve a
An agreement to rent for a period of time at an agreed
An institution or person who lends money to people or
companies. The lender will set the interest rate and the terms
of the loan.
In the context of credit cards, legally responsible for
repaying the credit card balance.
Line of credit
A type of loan in which a borrower draws down funds as
needed, up to a specified maximum.
The ease with which assets or investments can be converted
into cash — that is, made "liquid." Liquid
investments include savings accounts, Canada Savings Bonds,
Treasury bills and money market mutual funds. In contrast, a
home is not considered a liquid investment because it cannot
be easily transformed into cash.
A financial institution that operates under either
provincial or federal legislation and conducts lending
activities similar to those of a bank.
Locked-in Registered Retirement Savings Plan
A Registered Retirement Savings Plan set up to receive
funds transferred from a registered pension plan on the
condition that it is used solely for retirement income
purposes. The pension monies are usually locked in (unless
otherwise permitted by the legislation of the province in
which the employer is registered). A locked-in RRSP can also
be an investment bought through a financial institution, with
the monies locked in for a specific period as agreed by both
parties (the financial institution and the client) at the time
of the purchase.
Eight banks in Canada have each signed a memorandum of
understanding (MOU) with the federal government, agreeing to
offer a standard low-fee account to their customers. The names
and features of the accounts differ by bank, but the accounts
all meet certain standards, including: a low monthly fee; the
availability of some in-branch transactions; no charge for
deposits; and a free monthly statement or passbook.
Negotiating MOUs with the banks is an approach the government
has taken to ensure that Canadians have access to an account
at an affordable price. The eight banks are the Bank of
Montreal, Royal Bank of Canada, National Bank of Canada, HSBC
Bank Canada, Laurentian Bank of Canada, Canadian Imperial Bank
of Commerce, Bank of Nova Scotia and TD Canada Trust.
The time at which a loan, insurance policy or annuity
reaches the end of its span.
The joining together of two companies to form one entity.
The allocation of small loans, usually under $5,000, to
individuals to allow them to sustain self-employment or start
up small businesses.
The minimum amount your credit card issuer requires you to
pay on the outstanding credit card balance.
Missed payment interest rate
The interest rate charged on outstanding balances if, for
example, you miss more than one payment in a row. The missed
payment interest rate is usually two to six percentage points
higher than your normal interest rate on outstanding balances,
depending on the credit card issuer.
The process of managing the supply of money and credit to
contribute to economic performance. The Bank of Canada manages
Canadian monetary policy mainly through its influence on
short-term interest rates, though it is ultimately answerable
to the federal government for its actions. The Bank influences
short-term interest rates by adjusting its own bank rate. A
rise in the bank rate "tightens" the supply of money
and credit, at once restraining elements in the economy that
contribute to inflation and elements that contribute to
economic performance. A lowering of the bank rate does the
reverse. The bank rate and the money supply influence interest
rates and the exchange rate of the Canadian dollar, and
determine the monetary conditions under which the Canadian
A financial company that specializes in a single line of
products, such as credit cards, mortgages or home equity
loans, and that may use direct marketing practices and
statistical models to target specific customers. In many
cases, monolines have no expensive overheads from large branch
networks and have low-cost financing open to them by
securitizing their loans on the capital markets. These
features make such companies highly competitive.
A loan (usually for buying a property) in which the lender
can take possession of the property if the loan is not repaid
on time. Payments include the principal and the interest; they
may also include a portion of the property taxes.
Mortgage default insurance
Insurance that protects the mortgage lender if you cannot
make your mortgage payments. It is required by law if your
down payment is less than 20%. This should not be confused
with mortgage life insurance or home, property, fire and
casualty insurance, which typically protect the home owner.
A person or organization that offers the mortgage products
of different lenders.
A loan with a property pledged to guarantee repayment.
Mortgage Life Insurance
Mortgage Life Insurance guarantees that your remaining
mortgage at the time of your death will not be a burden to
An independent contractor who offers the loan products of
different lenders. A mortgage broker is an agent for lenders
in much the same way that an insurance broker is an agent for
insurance companies. Mortgage brokers act as agents for banks,
trust companies, credit unions, mortgage corporations, finance
companies and individual private investors. Some mortgage
brokers are exclusively lenders of their own money and provide
a direct source of mortgage funds.
A mortgage that can be prepaid at any time during the
term, without penalty. The interest rate on an open mortgage
may be higher than on a closed mortgage with an equivalent
Federal rules and restrictions governing the ownership of
financial institutions. For example, the Bank Act prohibits
control of any large financial institution by any single
shareholder or group of shareholders. Large banks (those with
equity greater than $5 billion) must be widely held — that
is, no one investor can own more than 20% of any class of
voting shares or 30% of non-voting shares.
An electronic clearing and settlement system that enables
cheques and other methods of payment to be used in
transactions throughout the economy. This financial network
includes the cheque payment system, the Visa and MasterCard
credit card systems, the automated banking machine and debit
card networks of Interac, and the separate clearing systems
for debt and equities and for mutual funds. One part of the
financial network was established in 1980 under the Canadian
Payments Association Act to operate a national clearing and
Personal identification number (PIN)
A secret code intended for the sole use of its user. For
example, the PIN is used in conjunction with a debit card to
confirm the identity of the cardholder and to authorize debit
An individual or organization with an insurance policy. Pre-authorized
debit A withdrawal from an account made by a company
with the written authority of the account holder. A convenient
substitute for issuing cheques to pay the same bill every week
The interest rate advertised or shown by a financial
institution. Usually, financial institutions advertise their
mortgage interest rates without any discounts. You may be able
to negotiate a lower interest rate before you sign your
Payment made at fixed intervals for an insurance policy.
Payment of an additional portion or all of the principal
balance before the end of your term. Lenders may charge fees
when you use a prepayment option under a closed mortgage
A fee charged to you by the lender for making a prepayment
greater than the amount allowed in your mortgage agreement, or
for paying off a closed mortgage before the end of the term.
The person who applied for the card and whose name is on
the credit agreement.
The interest rate a financial institution charges on loans
to its best customers.
The amount of money that you borrowed from a lender to pay
for your home.
A base rate, such as the prime rate, used in the
calculation of variable credit card interest rates.
The process of changing the conditions of your mortgage,
loan or other contract before the end of your term.
The process of extending the loan at the end of your term
with the same or with a new lender. You can change your
mortgage terms and conditions at this time.
A location where banking services are provided to
Unlike an ordinary mortgage, which involves payments by
the borrower to the lender, a reverse mortgage involves
payments by the lender to the borrower. It is an arrangement
whereby homeowners get cash (usually in the form of monthly
payments or a lump sum) in return for a mortgage on their
home, which is used as security against the loan. This is a
strategy sometimes used by retired homeowners who need to
supplement their income. A reverse mortgage is one way of
tapping into the value of a home.
The potential of losing one's money or the uncertainty of
An additional mortgage that is taken out on the same
property while you continue to have a first mortgage. You
continue to make the payment on the original mortgage as well
as the payment on your second mortgage.
Secured credit card
A secured credit card is a card that requires you to pay
the issuer a security deposit before you can use it. Your
credit limit is normally set as a percentage of your deposit
(usually 100 percent or more). For example, if you pay a
security deposit of $500, you would normally get a credit
limit of $500 or more.
Fees established by financial institutions for certain
Unit of ownership in a company, which is bought and sold
on a stock exchange. The terms "share" and
"stock" are often used interchangeably.
The marketplace where stocks are traded. Examples are the
Toronto Stock Exchange, the Montréal Exchange and the
Canadian Venture Exchange.
A company that is legally controlled by another company.
The period of time your mortgage agreement will be in
effect. At the end of the term, you either pay off the
mortgage in full, renew it or possibly renegotiate your
mortgage agreement (for example, decrease your amortization
period). Terms are generally for six months to 10 years. Not
to be confused with the amortization period.
Total debt service (TDS) ratio
The percentage of gross income (before deductions such as
income tax) required to cover the costs associated with your
home, such as mortgage payments, property taxes and heating,
plus other debts, such as credit card payments, car payments
or lines of credit. As a general rule of thumb, the TDS ratio
should not exceed 40% of the home owner's gross income.
Generally, any use of your credit card or credit account,
including purchases, payments, cash advances and cash-like
Treasury bill (T-bill)
A short-term, low-risk investment issued by a federal or
provincial government. It is sold in denominations ranging
from $1,000 to $1 million, with terms to maturity of one month
to a year. The difference between the purchase price and the
face amount represents the return to the investor.
An arrangement under which money or other property is held
by one person or company (often a trust company) for the
benefit of another person or persons. These assets are
administered according to the terms of the trust agreement.
Each province has a trustee act, which regulates the kinds of
investments that can be made by the trustees of a trust fund.
Trust and Loan Companies Act
Federal legislation governing the structure and operation
of federally incorporated or registered trust and loan
companies in Canada.
A financial institution that operates under either
provincial or federal legislation, and conducts activities
similar to those of a bank. However, because of its fiduciary
role, a trust company can administer estates, trusts, pension
plans and agency contracts, which banks cannot do directly.
Services associated with administering and managing a
trust on behalf of a client. They can include the
establishment of a trust, handling tax issues and distributing
assets to the client's beneficiaries.
Variable interest rate mortgage
A mortgage with an interest rate that can vary during the
term. The interest rate varies in line with changes in the
market interest rates. The mortgage payments can be fixed, or
they could change with interest rates, depending on the terms
of the mortgage.
Widely held bank
A bank owned by many
shareholders, with no individual owner holding sufficient
shares to exercise control over the bank. Under the Bank Act,
institutions with over $5 billion in equity and Schedule I
banks must be widely held by the public, with no single
shareholder owning more than 20% of any class of voting shares
or 30% of any class of non-voting shares.
Alberta, Airdrie, Brooks, Calgary, Camrose, Cold Lake, Edmonton, Fort Saskatchewan, Grande Prairie, Lacombe, Leduc, Lethbridge, Lloydminster, Saskatchewan, Medicine Hat, Red Deer, Spruce Grove, St. Albert, Wetaskiwin, British Columbia, Abbotsford, Armstrong, Burnaby, Campbell River, Castlegar, Chilliwack, Colwood, Coquitlam, Courtenay, Cranbrook, Dawson Creek, Duncan, Enderby, Fernie, Fort St. John, Grand Forks, Greenwood, Kamloops, Kelowna, Kimberley, Kitimat, Langford, Langley, Merritt, Nanaimo, Nelson, New Westminster, Metro Vancouver, North Vancouver, Parksville, Penticton, Pitt Meadows, Port Albern, Port Coquitlam, Vancouver, Port Moody, Powell River, Prince George, Prince Rupert, Quesnel, Revelstoke, Richmond, Vancouver, Rossland, Salmon Arm, Surrey, Terrace, Trail, Vancouver, Vernon, Victoria, White Rock, Williams Lake, Manitoba, Brandon, Dauphin, Flin Flon, Portage la Prairie, Selkirk, Steinbach, Thompson, Winkler, Winnipeg, New Brunswick, Bathurst, Campbellton, Dieppe, Edmundston, Fredericton, Brunswick, Miramichi, Moncton, Saint John, Barrie, Belleville, Brampton, Brant, Brantford, Brockville, Burlington, Cambridge, Clarence-Rockland, Cornwall, Dryden, Elliot Lake, Greater Sudbury, Guelph, Haldimand, Hamilton, Kawartha Lakes, Kenora, Kingston, Kitchener, London, Mississauga, Niagara Falls, Norfolk County, North Bay, Orillia, Oshawa, Ottawa, Owen Sound, Pembroke, Peterborough, Pickering, Prince Edward, Port Colborne, Niagara, Quinte West, Sarnia, Sault Ste. Marie, St. Catharines, St. Thomas, Stratford, Temiskaming Shores, Thorold, Thunder, Timmins, Toronto, Vaughan, Waterloo, Welland, Horseshoe, Windsor, Woodstock, Quebec, Acton Vale, Alma, Amos, Amqui, L'Ancienne-Lorette, Asbestos, L'Assomption, Baie-Comeau, Côte-Nord, Baie-d'Urfé, Baie-Saint-Paul, Barkmere, Beaconsfield, Beauceville, Beauharnois, Beauharnois-Salaberry, Beaupré, Beaupré, , Bécancour, Bedford, Belleterre, Belœil, Berthierville, Blainville, Bois-des-Filion, Boisbriand, Blainville, Bonaventure, Boucherville, Brome Lake (Lac-Brome), Bromont, Brossard, Brownsburg-Chatham, Cabano, Candiac, Cap-Chat, Cap-Santé, Carignan, Carleton-sur-Mer, Causapscal, Chambly, Chandler, Chapais, Charlemagne, Châteauguay, Château-Richer, Chibougamau, Clermont, Charlevoix-Est, Coaticook, Contrecoeur, Cookshire-Eaton, Côte-Saint-Luc, Cowansville, Danville, Daveluyville, Dégelis, Delson, Desbiens, Deux-Montagnes, Disraeli, Dolbeau-Mistassini, Dollard-des-Ormeaux, Donnacona, Dorval, Drummondville, Dunham, Duparquet, East Angus, L'Épiphanie, Estérel,
Farnham, Fermont, Forestville, Fossambault-sur-le-Lac, Gaspé, Gatineau, Gracefield, Granby, Grande-Rivière, Hampstead, Hudson, Huntingdon, Laurent, L'Île-Cadieux, L'Île-Dorval, L'Île-Perrot, Joliette, Kingsey Falls, Kirkland, Lac-Delage, Lac-Mégantic, Lac-Saint-Joseph, Lac-Sergent, Lachute, Laval, Lavaltrie, Lebel-sur-Quévillon, Léry, Lévis, Longueuil, Lorraine, Louiseville, Macamic, Magog, Malartic, Maniwaki, Marieville, Mascouche, Matagami, Matane, Madeleine, Mercier, Montérégie, Métabetchouan–Lac-à-la-Croix, Métis-sur-Mer, Mirabel, Mont-Joli, Mont-Laurier, Mont-Saint-Hilaire, Mont-Tremblant, Montmagny, Montreal, Montréal-Est, Montreal West, Mount Royal, Murdochville, Neuville, Nationale, New Richmond,
Nicolet, Nicolet-Yamaska, Normandin, Notre-Dame-de-l'Île-Perrot, Notre-Dame-des-Prairies, Notre-Dame-du-Lac, Otterburn Park, Paspébiac, Percé, Pincourt, Plessisville, La Pocatière, Pohénégamook, Pointe-Claire, Pont-Rouge, Port-Cartier, Portneuf, La Prairie, Princeville, Prévost, Quebec City, Repentigny, Richelieu, Richmond, Rimouski, Rivière-du-Loup, Rivière-Rouge,
Roberval, Rosemère , Rouyn-Noranda, Saguenay, Sainte-Adèle,
Sainte-Agathe-des-Monts, Sainte-Anne-de-Beaupré, Sainte-Anne-de-Bellevue, Sainte-Anne-des-Monts, Sainte-Anne-des-Plaines, Saint-Augustin-de-Desmaures, Saint-Basile, Saint-Basile-le-Grand, Saint-Bruno-de-Montarville, Sainte-Catherine,
Sainte-Catherine-de-la-Jacques-Cartier, Saint-Césaire, Saint-Constant, Saint-Eustache,
Saint-Félicien, Saint-Gabriel, Saint-Georges, Saint-Hyacinthe,
Saint-Jean-sur-Richelieu, Saint-Jérôme, Saint-Joseph-de-Beauce,
Saint-Joseph-de-Sorel, Sainte-Julie, Saint-Lambert, Saint-Lazare,
Sainte-Marguerite-du-Lac-Masson, Sainte-Marie, Sainte-Marthe-sur-le-Lac, Saint-Ours, Saint-Pamphile, Saint-Pascal, Saint-Pie, Saint-Raymond,
Saint-Rémi, Saint-Sauveur, Sainte-Thérèse, Saint-Tite,
Salaberry-de-Valleyfield, La Sarre, Schefferville, Scotstown, Senneterre, Sept-Îles,
Shawinigan, Sherbrooke, Sorel-Tracy, Stanstead, Sutton, Témiscaming,
Terrebonne, Thetford Mines, Thurso, Trois-Rivières, La Tuque , Val-d'Or, Valcourt, Varennes, Vaudreuil-Dorion, Victoriaville, Ville-Marie, Warwick, Waterloo, Waterville, Westmount, Windsor, Saskatchewan, Estevan, Flin Flon, Humboldt, Lloydminster, Martensville, Meadow Lake, Melfort, Melville, Moose Jaw, North Battleford, Prince Albert , Regina, Saskatchewan, Saskatoon, Swift Current, Weyburn, Yorkton