{"text_format":"1","workbook":"xlsx","n_sheets":4,"sheets":["Veil","Introduction","Comparison","Agreement"],"not_rendered":{"charts":0,"images":5,"macros":1,"external_links":1,"defined_names":3,"comments":2,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Veil","index":0,"n_rows":23,"n_cols":3,"rows_kept":23,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[null,null," Copy Protection Test in Progress"]
[]
[null,null,"This sheet should appear temporarily while your computer runs"]
[null,null,"a brief test of a third party copy protection system."]
[]
[]
[null,null,"If this sheet remains on your screen for more that a 30 seconds,"]
[null,null,"one of three known conditions likely exists."]
[]
[]
[null,null,"1. an internet connection is not available"]
[]
[null,null,"2.  this copy is not registered for this computer,"]
[null,null,"you can obtain subscription info by contacting"]
[null,null,"www.mortgagementor.com/contact-us"]
[]
[null,null,"3. you are registering a new Mortgage Mentor installation on a MAC"]
[]
[null,null,"and the registration information dialog is not yet complete"]
[null,null,"after this MAC cycle completes, please try clicking the Mortgage Mentor icon again."]

{"sheet":"Introduction","index":1,"n_rows":30,"n_cols":5,"rows_kept":30,"cut":false,"hidden":true,"merged":[[2,1,2,5],[17,3,17,4],[6,2,6,3],[14,3,14,4],[15,3,15,4],[9,3,9,4],[22,1,23,5],[27,1,27,4],[4,3,4,4],[7,3,7,4],[11,3,11,4],[12,3,12,4],[25,1,25,3]]}
[]
[]
[null,"This tool is best used as an active spreadsheet using Microsoft Excel."]
[null,null,null,null,"Please read the attached \"Agreement\" before using this tool"]
[]
[]
[null,null,"Comparison Tab"]
[null,null,null,"This comparison table has \"locked\" titles on both the top and left side.  This enables you to scroll throughout the spreadsheet without losing your reference titles."]
[]
[null,null,null,"Cells shaded like this one, indicate there are footnotes for this feature.  To automatically see the footnote on-screen, simply place your mouse pointer over that cell.  Try it here."]
[]
[null,null,null,"Products may be \"Filtered\" or short-listed to help you select the options that apply to your client."]
[null,null,null,"By criterion - to see the short list of the products that fit your clients: LTV, Beacon, income source, etc. simply click on the down arrow in the applicable title cell.  A drop down list of all the options  listed will appear.  Within that new drop-down list, click on the data that most closely fits your clients circumstances and a \"short-list\" of the matching lenders will be left for your review.  You can \"Filter\" on more than one title at a time.  For more details on using the the filter tool contact your RSM."]
[]
[null,null,null,"a \"-\" in a Cell/Box indicates that we have asked for the information and there is none that applies. "]
[null,null,null,"a blank Cell/Box or one marked \"Under Advisement\" indicates that the lender has not provided a definite answer yet."]
[]
[null,null,null,"With the exception of Home Trust and Van City, regional lenders have not been included in this tool.  If you have regional lenders in your market area, please forward the email address for their representative and we will add their information to a future"]
[]
[]
[]
[null,"Disclaimer"]
[null,"Information provided in this tool is that as supplied by the named lending institution prior to release of this version.  Product features, approval guidelines, and lender policies may change without prior written notice.  Current lender offerings should be confirmed by referring to the latest lender literature or contacting the lender directly prior to quoting: terms, conditions or rates to a client; and prior to submitting an application to the lender. This information is provided solely as a condensed version of market options. The user name and/or logo have been added at the request of the user for the purpose of consumer branding, not product ownership."]
[]
[null,"Developer:- MortgageMentor.com"]
[null,"Author:- R. A. (Rick) Robertson MBI"]
[null,"Proprietary Property of R. A. Robertson"]
[null,{"$f":"Comparison!B46","v":"© Copyright 08/01/05 (revised through March 2024 )"}]
[]
[null,"Use without prior written permission of the Author is prohibited."]

{"sheet":"Comparison","index":2,"n_rows":48,"n_cols":44,"rows_kept":48,"cut":false,"hidden":true,"merged":[[3,25,4,25],[2,35,2,42],[3,11,3,12],[3,13,3,14],[3,16,4,16],[2,16,2,18],[2,3,2,14],[3,10,4,10],[0,6,0,43],[3,19,4,19],[3,20,4,20],[3,23,4,23],[3,21,4,21],[3,18,4,18],[3,43,4,43],[3,31,4,31],[3,27,4,27],[3,26,4,26],[3,17,4,17],[3,28,4,28],[3,40,4,40],[3,15,4,15],[2,28,2,34],[3,24,4,24],[49,3,49,9],[45,1,45,5],[3,3,4,3],[3,9,4,9],[40,1,40,8],[3,4,4,4],[3,6,4,6],[3,7,3,8],[1,1,5,1],[3,5,4,5],[1,2,1,8],[1,9,1,43],[3,41,4,41],[3,42,4,42],[2,19,2,27],[3,22,4,22],[40,28,40,38],[3,36,4,36],[3,37,4,37],[3,38,4,38],[3,33,4,33],[3,34,4,34],[3,32,4,32],[3,29,4,29],[3,30,4,30],[3,35,4,35]]}
[]
[null,"\"Building the best Broker tools since the fax machine!\"\n\nUpdating suspended May 2018","© printing or copying this page or any portion of this page, in any way, without prior written permission of the author is prohibited ",null,null,null,null,null,null,{"$f":"REPT(\"Linus by MORTGAGE MENTOR     : : :    \",15)","v":"Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    Linus by MORTGAGE MENTOR     : : :    "}]
[null,null,null,"PRODUCT SELECTION",null,null,null,null,null,null,null,null,null,null,null,null,"RATE",null,null," CUSTOMER USE",null,null,null,null,null,null,null,null," APPROVAL",null,null,null,null,null,null,"MISCELLANEOUS"]
[null,null,null,"Lending Area","Max No. Applicants","LTV (%) Maximum","Beacon Minimum","Loan Amount",null,"Purpose","Property Type","Conventional",null,"Insured",null,"Amort. Max","Qualifying Rate","Rate","Compounding","Minimum Payment","Cheques","Min Draw","Extra Payments","Convert to Fixed","Funds Access","Funds Availability","Monthly Statement","Annual Review","Security","LOC  Insurance Surcharge","Title Insurance","Client set-up costs","Appraisal","Application Fee","Credit","Assumable","Portable","Transfer \"out\""," Switch  \"in\"","Refinance","LOC Rate Float","Product Advantage","LOC Finders Fees","Volume Bonus"]
[null,null,null,null,null,null,null,"Minimum","Maximum",null,null,"GDS %","TDS %","GDS %","TDS %"]
[]
["B2B Bank","B2B Bank         ( Homeowner's Kit )",{"$f":"VLOOKUP(A7,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",4,80,650,50000,750000,"O/O Max 2 units","Purchase, Re-Fi",32,40," -"," -",35,"BoC Benchmark","P+.25%","Semi Ann.","Interest Only","Yes & Phone & Bank Card","No","Cheque","No","Debit, ABM, Card, Online, Cheque","Immediate","Online","Yes","1st Mort.","No","Always","Appraisal, Title Ins","Lender List\n or service","No","Regular Mortgage Requirements","No","No","No","No","Yes","Monthly","up to 3 Mortgage components and 3 HELOCs under 1 global limit. HELOC's available at 80% LTV","50 BP on Auth.","Yes"]
["B2B Bank","B2B Bank   ( N.I.Q. Homeowner's Kit )",{"$f":"VLOOKUP(A8,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",4,65,650,50000,350000,"O/O Max 2 units","Purchase, Re-Fi",32,40," -"," -",35,"BoC Benchmark","P+.25%","Semi Ann.","Interest Only","Yes & Phone & Bank Card","No","Cheque","No","Debit, ABM, Card, Online, Cheque","Immediate","Online","Yes","1st Mort.","No","Always","Appraisal, Title Ins","Lender List\n or service","No","Regular Mortgage Requirements","No","No","No","No","Yes","Monthly","up to 3 Mortgage components and 3 HELOCs under 1 global limit. HELOC's available at 80% LTV","50 bp on Auth.","Yes"]
["B2B Bank","B2B Bank         ( Standard HELOC )",{"$f":"VLOOKUP(A9,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",4,65,650,50000,750000,"O/O Max 2 units","Purchase, Re-Fi",32,40," -"," -","n/a","BoC Benchmark","P+.25%","Semi Ann.","Interest Only","Yes & Phone & Bank Card","No","Cheque","No","Debit, ABM, Card, Online, Cheque","Immediate","Online","Yes","1st Mort.","No","Always","Appraisal, Title Ins","Lender List\n or service","No","Regular Mortgage Requirements","No","No","No","No","Yes","Monthly","Paid on approved limit","50 bp on Auth.","Yes"]
["B2B Bank","B2B Bank \n      ( Self Employed Provable HELOC )",{"$f":"VLOOKUP(A10,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",4,65,650,50000,750000,"O/O Max 2 units,\nno Condos","Purchase, \nRe-Fi, ETO",32,40," -"," -","n/a","BoC Benchmark","P+2.00%","Semi Ann.","Interest Only","Yes & Phone & Bank Card","No","Cheque","No","Debit, ABM, Card, Online, Cheque","Immediate","Mail and/or Online","Yes","1st Mort.","No","Always","Appraisal, Title Ins","Lender List\n or service","No","No negative info on Bureau","No","No","No","No","Yes","Monthly","Few lenders offer this product through brokers","50 bp on Auth.","Yes"]
["B2B Bank","B2B Bank \n         ( Self Employed Stated HELOC )",{"$f":"VLOOKUP(A11,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",4,65,650,50000,350000,"O/O Max 2 units,\nno Condos","Purchase, \nRe-Fi, ETO",32,40," -"," -","n/a","BoC Benchmark","P+2.00%","Semi Ann.","Interest Only","Yes & Phone & Bank Card","No","Cheque","No","Debit, ABM, Card, Online, Cheque","Immediate","Mail and/or Online","Yes","1st Mort.","No","Always","Appraisal, Title Ins","Lender List\n or service","No","No negative info on Bureau","No","No","No","No",null,"Monthly","No evidence of income required\n NOA re no taxes owing is required","50 bp on Auth.","Yes"]
["Equitable Bank","Equitable Bank  ( Home Equity Line Of Credit )\n                 Stand Alone O/O HELOC",{"$f":"VLOOKUP(A12,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National exc. PQ","no Max",65,500,75000,500000,"O/O Max 4 units","Purchase, Re-Fi",48,48," -"," -","n/a","higher of 5yr Benchmark or Deal Rate +2.00%","P+4.74% to P+10.49%","Monthly","Interest Only","Yes & Phone & VISA Card","No","Cheque, online via bank","No","Debit, ABM, VISA,  Cheque","Immediate","Mail and/or Online","Yes","1st Mort.","No","Always","Appraisal, Title Ins","Lender List\n or service","1.5% of Limit","Regular Alternative Mortgage rules","No","No","No","No","Yes","with Prime","No annual fees, No interest on purchases made during statement period. Online access.","50 BP on Auth.","Yes"]
["Equitable Bank","Equitable Bank  ( Home Equity Line Of Credit )\n                 Stand Alone Rental HELOC",{"$f":"VLOOKUP(A13,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National exc. PQ","no Max",65,500,75000,500000,"Rental Max 4 units","Purchase, Re-Fi",48,48," -"," -","n/a","higher of 5yr Benchmark or Deal Rate +2.00%","add 50 bp","Monthly","Interest Only","Yes & Phone & VISA Card","No","Cheque, online via bank","No","Debit, ABM, VISA,  Cheque","Immediate","Mail and/or Online","Yes","1st Mort.","No","Always","Appraisal, Title Ins","Lender List\n or service","1.5% of Limit","Regular Alternative Mortgage rules","No","No","No","No","Yes","with Prime","No annual fees, No interest on purchases made during statement period. Online access.","50 BP on Auth.","Yes"]
["Equitable Bank","Equitable Bank  ( Home Equity Line Of Credit )\n                 added to a mortgage",{"$f":"VLOOKUP(A14,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National exc. PQ","no Max",65,500,1000,100000,"O/O Max 4 units","Purchase, Re-Fi",48,48," -"," -","n/a","higher of 5yr Benchmark or Deal Rate +2.00%","P+4.74% to P+10.49%","Monthly","Interest Only","Yes & Phone & VISA Card","No","Cheque, online via bank","No","Debit, ABM, VISA,  Cheque","Immediate","Mail and/or Online","Yes","1st Mort.","No","Always","Appraisal, Title Ins","Lender List\n or service","No","Regular Alternative Mortgage rules","No","No","No","No","Yes","with Prime","No annual fees, No interest on purchases made during statement period. Online access.","1yr 50bp, 2yr 60bp, 3yr 75bp, 4yr 90bp, 5yr 110bp","Yes"]
["Equitable Bank","Equitable Bank  ( Rental Equity Line Of Credit )\n                 added to a mortgage",{"$f":"VLOOKUP(A15,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"ON only","no Max",65,600,10000,100000,"Rental Max 4 units","Purchase, Re-Fi",48,48," -"," -","n/a","higher of 5yr Benchmark or Deal Rate +2.00%","P+4.74% to P+5.74%","Monthly","Interest Only","Yes & Phone & VISA Card","No","Cheque, online via bank","No","Debit, ABM, VISA,  Cheque","Immediate","Mail and/or Online","Yes","1st Mort.","No","Always","Appraisal, Title Ins","Lender List\n or service","No","Regular Alternative Mortgage rules","No","No","No","No","Yes","with Prime","No annual fees, No interest on purchases made during statement period. Online access.","1yr 50bp, 2yr 60bp, 3yr 75bp, 4yr 90bp, 5yr 110bp","Yes"]
["Home Trust","Home Trust  ( ELV - Equityline Visa 1st )",{"$f":"VLOOKUP(A16,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"BC AB SK MB ON",4,65,620,7500,500000,"O/O Max 4 units","Any: Purchase, Re-Fi, Reno's",44,44," -"," -","based on Min Pmt.","higher of 5yr Benchmark or Deal Rate +2.00%","4.99% to 13.99%","Daily","1.00% of balance","Yes & Visa","No","Online, Tel.Bank, Mail","No","Visa Card, Cheque","Immediate","Mail","No","1st Mort.","No","Always","Appraisal, 3% Fee, \nTitle Insurance, Search","Broker from list","1% to 2%\n Approved limit","Regular Mortgage Qualification","No","No","No","No","Yes","Daily","1% Cash-Back on purchases, Equity Based, fully open, \nFinders Fees based on Approved limit.","100 bp\n (1/2 of H.T.'s 2%)","No"]
["Home Trust","Home Trust  ( ELV - Equityline Visa 2nd )",{"$f":"VLOOKUP(A17,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"BC AB SK MB ON",4,65,620,7500,100000,"O/O Max 4 units","Any: Purchase, Re-Fi, Reno's",44,44," -"," -","based on Min Pmt.","higher of 5yr Benchmark or Deal Rate +2.00%","4.99% to 13.99%","Daily","1.00% of balance","Yes & Visa","No","Online, Tel.Bank, Mail","No","Visa Card, Cheque","Immediate","Mail","No","2nd Mort.","No","Always","Appraisal, 3% Fee, \nTitle Insurance, Search","Broker from list","1% to 2%\n Approved limit","Regular Mortgage Qualification","No","No","No","No","Yes","Daily","1% Cash-Back on purchases, Equity Based, fully open, \nFinders Fees based on Approved limit.","100 bp\n (1/2 of H.T.'s 2%)","No"]
["Home Trust","Home Trust  ( RENTAL Equityline Visa )",{"$f":"VLOOKUP(A18,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"ON only\n by exception",4,65,620,7500,100000,"Rental Max 4 units","Any: Purchase, Re-Fi, Reno's",44,44," -"," -","based on Min Pmt.","higher of 5yr Benchmark or Deal Rate +2.00%","5.99% to 13.99%","Daily","1.00% of balance","Yes & Visa","No","Online, Tel.Bank, Mail","No","Visa Card, Cheque","Immediate","Mail","No","1st or 2nd","No","Always","Appraisal, 3% Fee, \nTitle Insurance, Search","Broker from list","1% to 2%\n Approved limit","Regular Mortgage Qualification","No","No","No","No","Yes","Daily","1% Cash-Back on purchases, Equity Based, fully open, \nFinders Fees based on Approved limit.","100 bp\n (1/2 of H.T.'s 2%)","No"]
["Home Trust","Home Trust             ( Secured Visa )",{"$f":"VLOOKUP(A19,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"Provinces\n exc PQ",2,"n/a","n/a",500,10000,"n/a","n/a"," -"," -"," -"," -","based on Min Pmt.","higher of 5yr Benchmark or Deal Rate +2.00%",0.19989999999999999,"Daily","3.00% of balance\n or $10","Yes & Visa","No","Online, Tel.Bank, Mail","No","Visa Card, Cheque","Immediate","Mail","No","n/a","No","n/a","Deposit","n/a","No","n/a","No","No","No","No","Yes","Daily","help Canadians establish or re-establish credit",35,"No"]
["Home Trust","Home Trust           ( ONE CHARGE )",{"$f":"VLOOKUP(A20,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",4,"80 / 75",575,7500,250000,"O/O Max 4 units","Any: Purchase, Re-Fi, Reno's","Will Look At","Will Look At"," -"," -","based on Min Pmt.","BoC Benchmark","4.99% to 13.99%","Daily","1.00% of balance","Yes & Visa","No","Online, Tel.Bank, Mail","No","Visa Card, Cheque","Immediate","Mail","No","1st Mort.","No","Always","Incl. in mortgage set-up","Broker from list","No","Regular Mortgage Qualification","No","No","No","No","Yes","Daily","Flexibility of account, \n2 components with only 1 set of set-up costs","$100 - $250 on the ELV\n regular on the Classic","No"]
["Manulife","Manulife              (  Manulife One )",{"$f":"VLOOKUP(A21,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"Provinces exc. PQ",4,80,650,100000,3000000,"O/O Max 4 units","Any: Purchase, Re-Fi, Reno's","35/39","42/44"," -"," -",25,"BoC Benchmark \non total","see Manulife \nbroker portal","Monthly \nSemi-Annual","Interest Only","Yes & Bank Card","No","Phone, Online, Fax Request","No","Cheque & or Bank Card","Immediate","Mail and/or Online","No","1st Mort.","No","Always","Appraisal, Legal","case by case","monthly","Regular Mortgage Qualification","No","Yes","No","No","Yes","Daily","multiple Sub-Accounts, payroll deposits auto-pay LOC balance, Can be: LOC plus Fixed rate or VRM","see program","No"]
["Manulife","Manulife       (  Manulife One ~ Small Business )",{"$f":"VLOOKUP(A22,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"Provinces exc. PQ",4,65,680,100000,1000000,"O/O Max 4 units","Any: Purchase, Re-Fi, Reno's"," -",70," -"," -",25,"BoC Benchmark \non total","see Manulife \nbroker portal","Monthly \nSemi-Annual","Interest Only","Yes & Bank Card","No","Phone, Online, Fax Request","No","Cheque & or Bank Card","Immediate","Mail and/or Online","No","1st Mort.","No","Always","Appraisal, Legal","case by case","monthly","Regular Mortgage Qualification","No","Yes","No","No","Yes","Daily","HIGH TDS allowed, multiple Sub-Accounts, deposits \nauto-pay LOC balance, LOC plus Fixed rate or VRM","see program","No"]
["Manulife","Manulife              (  Manulife One ~ BFS )",{"$f":"VLOOKUP(A23,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"Provinces exc. PQ",4,80,650,100000,3000000,"O/O Max 4 units","Any: Purchase, Re-Fi, Reno's","35/39","42/44"," -"," -",25,"BoC Benchmark \non total","see Manulife \nbroker portal","Monthly \nSemi-Annual","Interest Only","Yes & Bank Card","No","Phone, Online, Fax Request","No","Cheque & or Bank Card","Immediate","Mail and/or Online","No","1st Mort.","No","Always","Appraisal, Legal","case by case","monthly","Regular Mortgage Qualification","No","Yes","No","No","Yes","Daily","Self Employed Line with multiple Sub-Accounts, \ndeposits auto-pay LOC balance, LOC plus Fixed or VRM","see program","No"]
["Manulife","Manulife              (  Manulife One Rental )",{"$f":"VLOOKUP(A24,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"Provinces exc. PQ",4,80,650,100000,750000,"Small Rental Max 4 units","Any: Purchase, Re-Fi, Reno's","35/39","42/44"," -"," -",25,"BoC Benchmark \non total","see Manulife \nbroker portal","Monthly \nSemi-Annual","Interest Only","Yes & Bank Card","No","Phone, Online, Fax Request","No","Cheque & or Bank Card","Immediate","Mail and/or Online","No","1st Mort.","No","Always","Appraisal, Legal","case by case","monthly","Regular Mortgage Qualification","No","Yes","No","No","Yes","Daily","multiple Sub-Accounts, payroll deposits auto-pay LOC balance, Can be: LOC plus Fixed rate or VRM","see program","No"]
["MCAP","MCAP              ( FUSION Mortgage )\n          Ambassador Plus Brokers",{"$f":"VLOOKUP(A25,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"BC AB SK \nMB ON",4,"80 / 65",650,50000,750000,"O/O to 4 units, \nSecond Home to 1 unit","Purch, Re-Fi, ETO, Purch Plus Improv. Reno's, Investing",35,"42/44"," -"," -",25,"If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%","Insurable Rates \nMCAP P+.50%","Monthly \nSemi-Annual","Two separate","No",1000,"Phone","No","Lawyer,\nonline or phone","1 to 3 Days \nvia Transfer","Mail","No","1st Mort.","No","sometimes","Appraisal, Legal","Broker","No","No BR's, no judgments","No","Yes","No","No","Yes","Daily","Amount paid down on mortgage component becomes available in the Line-of-credit component","80 bp on mortgage\n25 + 35 bp on LOC","not LOC"]
["MCAP","MCAP                    ( Home Acct 1st )",{"$f":"VLOOKUP(A26,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",4,"80 / 65",650,50000,750000,"O/O to 4 units, \nSecond Home to 1 unit","Purch, Re-Fi, ETO, Purch & ReFi Plus Improv. Reno's, Investing","35/40","42/44"," -"," -",25,"If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%","Insurable Rates \nMCAP P+.50%","Monthly","Interest Only","No",1000,"Phone","Yes","Lawyer,\nonline or phone","1 to 3 Days \nvia Transfer","Mail","No","1st Mort.","No","sometimes","Appraisal, Legal","Broker","No","No BR's, no judgments","No","Yes","Yes","No","Yes","Daily","Flexibility, MCAP never asks the borrower the purpose.","50 bp on 60 day balance PLUS 10 bp yearly trailer","Yes"]
["MCAP","MCAP                 ( Home Acct Plus )",{"$f":"VLOOKUP(A27,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",4,"70 / 65",650,10000,750000,"O/O to 4 units, \nSecond Home to 1 unit","ETO, Re-Fi, Reno's, Investing","39","44"," -"," -",25,"If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%","Insurable Rates \nMCAP P+.50%","Monthly","Interest Only","No",1000,"Phone","Yes","Lawyer,\nonline or phone","1 to 3 Days \nvia Transfer","Mail","No","2nd Mort.","No","sometimes","Appraisal, Legal","Broker","No","No BR's, no judgments","No","Yes","Yes","No","Yes","Daily","Flexibility, MCAP never asks the borrower the purpose.","50 bp on 60 day balance PLUS 10 bp yearly trailer","Yes"]
["Merix Financial","Merix (HELOC) multi-prod",{"$f":"VLOOKUP(A28,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",4,80,650,25000,"no limit","O/O, Second Home, \nSmall Rental","Purchase, Re-Fi, ETO","35/na","42/44"," -"," -",25,"BoC Benchmark","P+1.00%","Daily","Interest only","No",1000,"any time","Yes","Phone only","2nd business day","Yes","No","1st Mort.","Over $1,000,000","Always","Appraisal, Legal","Rarely","n/a","Good","No","Yes","No","No","Yes","Daily","Multi-product, convert to market rate, client is Broker's, perfect for financial planners","See Policy","No"]
["Merix Financial","Merix ( SES HELOC) multi-prod",{"$f":"VLOOKUP(A29,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",4,80,650,25000,"no limit","O/O to 2 units","Purchase, Re-Fi, ETO","35/na","42/44"," -"," -",25,"BoC Benchmark","P+1.20%","Daily","Interest only","No",1000,"any time","Yes","Phone only","2nd business day","Yes","No","1st Mort.","Over $1,000,000","Always","Appraisal, Legal","Rarely","n/a","Good","No","Yes","No","No","Yes","Daily","Stated Income Multi-product package, LOC limit increases as fixed portions are paid down","See Policy","No"]
["Optimum Mortgage","Optimum              ( HOMEWORKS )",{"$f":"VLOOKUP(A30,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"Provinces",4,80,680,100000,"$500,000 to $1,000,000","O/O Max 4 units, acreages","Any: Purchase, Re-Fi, Reno's",40,40," -"," -","25 & 30","higher of Deal Rate \nor 5yr Benchmark","P+.50%","Monthly","Interest Only","Yes & Bank Card","No","Cheque, online, branch","Yes","Cheque, Bank\n Card, Online","Immediate","Mail and/or Online","No","1st Mort.","No","Always","Appraisal, Legal","broker to provide","No","Regular Mortgage Qualification","No","on Qual","No","No","Yes","Daily","broker paid on approved amount, at funding\n borrower can have multiple components","60 bp on LOC Auth, plus regular on Fixed Terms","Yes"]
["Scotiabank","Scotiabank              ( Line of Credit )\n                       only as part of a Scotia STEP program",{"$f":"VLOOKUP(A31,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",2,65,620,20000,1500000,"O/O, Second Home, \nSmall Rental","many: Purchase, Purchase Plus Improv., Re-Fi, Reno's",40,40,32,40,"25 / 30","5yr Benchmark","P+.50%, P+.70%, P+1.00%","Monthly","Interest Only\n3 options","Yes","No","Deposit, Online","Yes","Cheque, ATM or Visa Card","Immediate","Mail and/or Online","No","Part of a STEP","No","Always","Appraisal, Legal, Ins.","PAT, NAS \nSOLIDIFI","No","Regular Mortgage Qualification","No","Yes","No","No","in STEP","Daily","Broker accessible Line of Credit\nonly available as part of a STEP","25 bp","Yes"]
["Scotiabank","Scotiabank              ( STEP insured )",{"$f":"VLOOKUP(A32,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",2,95,620,20000,1500000,"O/O, Second Home, \nSmall Rental","Any: Purchase, Purchase Plus Improv."," -"," -",32,40,"25 / 30","5yr BoC\n or Higher","P+.50%, P+.70%, P+1.00%","Monthly","Interest Only\n3 options","Yes","No","Deposit, Online","Yes","Cheque, ATM or Visa Card","Immediate","Mail and/or Online","No","1st Mort.","No","Always","Appraisal, Legal, Ins.","PAT, NAS \nSOLIDIFI","No","Regular Mortgage Qualification","No","Yes","No","No","Yes","Daily","Under 1 global limit, may have up to 3 mortgage accounts over 80% LTV, or 11 once under 80% ","25 bp","Yes"]
["Scotiabank","Scotiabank             ( STEP un-insured )",{"$f":"VLOOKUP(A33,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",2,80,620,20000,1500000,"O/O, Second Home, \nSmall Rental","Any: Purchase, Purchase Plus Improv., Re-Fi, Reno's",40,40," -"," -","25 / 30","5yr BoC\n or Higher","P+.50%, P+.70%, P+1.00%","Monthly","Interest Only\n3 options","Yes","No","Deposit, Online","Yes","Cheque, ATM or Visa Card","Immediate","Mail and/or Online","No","1st Mort.","No","Always","Appraisal, Legal, Ins.","PAT, NAS \nSOLIDIFI","No","Regular Mortgage Qualification","No","Yes","No","No","Yes","Daily","Under 1 global limit, may have up to 3 mortgage accounts over 80% LTV, or 11 once under 80% ","25 bp","Yes"]
["Scotiabank","Scotiabank             ( MFSE STEP insured )\n    ( mortgage for self employed )",{"$f":"VLOOKUP(A34,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",2,90,621,20000,1500000,"O/O Max 4 units","Any: Purchase, Purchase Plus Improv.","n/a",44," -"," -","25 / 30","5yr BoC\n or Higher","P+.50%, P+.70%, P+1.00%","Monthly","Interest Only\n3 options","Yes","No","Deposit, Online","Yes","Cheque, ATM or Visa Card","Immediate","Mail and/or Online","No","1st Mort.","No","Always","Appraisal, Legal, Ins.","PAT, NAS \nSOLIDIFI","No","Regular Mortgage Qualification","No","Yes","No","No","Yes","Daily","Under 1 global limit, may have up to 3 mortgage accounts over 80% LTV, or 11 once under 80% ","25 bp","Yes"]
["Scotiabank","Scotiabank         ( MFSE STEP un-insured )\n    ( mortgage for self employed )",{"$f":"VLOOKUP(A35,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",2,65,621,20000,1500000,"O/O Max 2 units","Any: Purchase, Purchase Plus Improv., Re-Fi, Reno's","n/a",44," -"," -","25 / 30","5yr BoC\n or Higher","P+.50%, P+.70%, P+1.00%","Monthly","Interest Only\n3 options","Yes","No","Deposit, Online","Yes","Cheque, ATM or Visa Card","Immediate","Mail and/or Online","No","1st Mort.","No","Always","Appraisal, Legal, Ins.","PAT, NAS \nSOLIDIFI","No","Regular Mortgage Qualification","No","Yes","No","No","Yes","Daily","Under 1 global limit, may have up to 3 mortgage accounts over 80% LTV, or 11 once under 80% ","25 bp","Yes"]
["Scotiabank","Scotiabank \n    ( StartRight permanent resident STEP )",{"$f":"VLOOKUP(A36,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",2,65,"n/a",20000,2300000,"O/O Max 4 units","Purchase, Re-Fi","n/a","waived"," -"," -",30,"5yr BoC\n or Higher","P+1.00% \non LOC portion","Monthly","Interest Only\n3 options","Yes","No","Deposit, Online","Yes","Cheque, ATM or Visa Card","Immediate","Mail and/or Online","No","1st Mort.","No","Always","Appraisal, Legal, Ins.","PAT, NAS \nSOLIDIFI","No","No Derog's","No","Yes","No","No","Yes","Daily","Minimal income confirmation to qualify.  \nMay have up to 3 LC accounts under 1 global limit #","25 bp","Yes"]
["Scotiabank","Scotiabank               ( Rental STEP )",{"$f":"VLOOKUP(A37,'[1]My Six'!$F$2:$G$38,2,FALSE)","v":{"$error":"#N/A"}},"National",2,65,620,20000,1500000,"Small Rental max 4 units","Any: Purchase, Purchase Plus Improv., Re-Fi, Reno's",35,42," -"," -",30,"5yr BoC\n or Higher","P+1.00%","Monthly","Interest Only\n3 options","Yes","No","Deposit, Online","Yes","Cheque, ATM or Visa Card","Immediate","Mail and/or Online","No","1st Mort.","No","Always","Appraisal, Legal, Ins.","PAT, NAS \nSOLIDIFI","No","Regular Mortgage Qualification","No","Yes","No","No","Yes","Daily","May have up to 3 LC accounts under 1 global limit #","25 bp","Yes"]
[null,{"$f":"TODAY()","v":"2024-03-06"}]
[]
[null,"Disclaimer",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B40","v":"Disclaimer"}]
[null,"Information provided in this tool is that as supplied by the named lending institution prior to release of this version.  Product features, approval guidelines, and lender policies may change without prior written notice.  Current lender offerings should be confirmed by referring to the latest lender literature or contacting the lender directly prior to quoting: terms, conditions or rates to a client; and prior to submitting an application to the lender. This information is provided solely as a condensed version of market options. The  name and logo have been added at the request of the user Broker for the purpose of consumer branding, not product ownership.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B41","v":"Information provided in this tool is that as supplied by the named lending institution prior to release of this version.  Product features, approval guidelines, and lender policies may change without prior written notice.  Current lender offerings should be confirmed by referring to the latest lender literature or contacting the lender directly prior to quoting: terms, conditions or rates to a client; and prior to submitting an application to the lender. This information is provided solely as a condensed version of market options. The  name and logo have been added at the request of the user Broker for the purpose of consumer branding, not product ownership."}]
[null," ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B42","v":" "}]
[null,{"$f":"Introduction!B25","v":"Developer:- MortgageMentor.com"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"B43","v":"Developer:- MortgageMentor.com"}]
[null,{"$f":"Introduction!B26","v":"Author:- R. A. (Rick) Robertson MBI"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Author:- R. A. (Rick) Robertson MBI"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"© Copyright 08/01/05 (revised through March 2024 )",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"© Copyright 08/01/05 (revised through March 2024 )"]
[null," ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"Use without prior written permission of the Author is prohibited.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Use without prior written permission of the Author is prohibited."]

{"sheet":"Agreement","index":3,"n_rows":47,"n_cols":2,"rows_kept":47,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Mortgage Mentor: Disclaimer, Privacy Policy, and License Agreement"]
[]
[null,"Read the terms and conditions of this license agreement carefully.  "]
[null,"By: downloading, otherwise receiving, or using a copy of the program, you are accepting and agreeing to the terms of this license agreement."]
[null,"continued…"]
[null,"1.     The program is copyrighted and licensed (not sold). This is a legal agreement between you (either an individual end-user or an entity) and MMI Mortgage Mentor Inc. (“MMI”) . If you do not agree to the terms and conditions of this agreement, you must promptly stop using the Software, remove it from any computer on which you have installed it, and destroy all aspects of the Software in your possession or control."]
[null,"continued…"]
[null,"2.      At MMI, we are committed to respecting and protecting your privacy and security.  We have taken measures to protect the security of your personal information and protect your data from misuse and unauthorized access or disclosure. While any data transmissions over the internet cannot be guaranteed 100%, MMI would like to reassure our subscribers that our site www.mortgagementor.com is protected by COPYminder (www.copyminder.com). To further protect your security, we are providing each subscriber with a unique Product Key for their personal use only.  By using this software you agree that your Product Key shall not be shared, distributed or broadcast to any other parties."]
[null,"continued…"]
[null,"3.    Each Product Key and Mortgage Mentor Tool (from herein referred to as “Software”) are protected by COPYminder.  Periodically throughout the duration of your subscription, your Product Key and computer ID will need to be re-validated by COPYminder’s protection system. To facilitate this, your computer will need to be connected to the internet.  No data is copied, installed, or accessed from your computer during this process. You agree to allow COPYminder access to the Software installed on your computer solely for such re-validation purposes."]
[null,"continued…"]
[null,"4.     The Software that is made available for downloading from our online server is owned by MMI.  This Software is protected by copyright laws, and is  licensed to you on a non-exclusive limited basis to be used by you in accordance with the terms and conditions described herein.  Any use, reproduction or redistribution of the Software that is not in accordance with the terms and conditions in this agreement is expressly prohibited by law, and may result in civil and criminal penalties."]
[null,"continued…"]
[null,"5.     This Software is licensed, not sold, for use under the terms and conditions of this agreement, and MMI reserves all rights not expressly granted in this agreement. Without limiting the generality of the forgoing MMI retains ownership of  the Software, and all intellectual property rights therein.  As such, you acknowledge and agree that MMI holds all rights to title and interest in all tangible and intangible incidents of the product and/or service, including copyrights and trade secrets pertaining thereto, and that this agreement conveys to you only a limited right to access and use of the product and/or service.  Subject to the terms and conditions of this agreement, MMI grants to you a non-exclusive limited license to use one copy of the Software and any documentation accompanying this agreement on one computer only.  No other rights are granted.  You may not use the Software on different computers concurrently using the same Product Key.  Attempts to install this Software on a second computer will cause the original, authorized installation to malfunction."]
[null,"continued…"]
[null,"6.      The Software contains copyrighted concepts, ideas, and other proprietary materials of MMI. You agree not to analyze, reverse engineer, decompile or disassemble the Software, or any part of the Software.  You also agree to not modify or create derivative works of the Software, combine with or incorporate the Software into any other application Software, print a copy of the Software, reproduce, distribute, publish, resell for profit, broadcast, transmit or provide its functionality, or commercially exploit the Software and any information available on this site in any matter without the express consent of MMI. AND IS PROHIBITED WITHOUT THE EXPRESS WRITTEN PERMISSION OF MMI."]
[null,"continued…"]
[null,"7.      The Software is considered in use if it is loaded on the computer’s permanent or temporary memory.  If you are acquiring the Software on behalf of another person or entity, you represent and warrant that you have the authority to bind the party or"]
[null,"continued…"]
[null,"8.    IN NO EVENT SHALL MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS OR THEIR RESPECTIVE SUCCESSORS OR ASSIGNS BE LIABLE TO YOU OR ANY OTHER THIRD PARTY FOR ANY DAMAGES OF ANY KIND INCLUDING BUT NOT LIMITED TO: GENERAL, DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA, BUSINESS INTERRUPTION  OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER, PERFORM, OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION "]
[null,"CONTAINED IN THE SOFTWARE AND REGARDLESS OF THE CAUSE WHETHER ARISING IN CONTRACT (INCLUDING FUNDAMENTAL BREACH), TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF CAUSED BY THE NEGLIGENCE OF MMI ITS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS OR IF MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS KNEW OR OUGHT TO HAVE KNOWN  OF THE POSSIBILITY OF SUCH DAMAGES."]
[null,"continued…"]
[null,"9. YOU HEREBY RELEASE MMI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY CLAIMS INCLUDING, BUT NOT LIMITED TO, ANY CLAIMS RELATED TO DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA,  BUSINESS INTERRUPTION OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER,  PERFORM OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION CONTAINED IN THE SOFTWARE, AND YOU AGREE NOT TO ASSERT ANY CLAIMS AGAINST THEM, ARISING FROM YOUR USE OF THE SOFTWARE."]
[null,"continued…"]
[null,"10.      In the event of errors or omissions in any information, the sole responsibility of MMI is to use its best efforts to correct, by the issue of a corrected release, any errors which it or any of its employees or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. "]
[null,"continued…"]
[null,"11. THE SOFTWARE IS PROVIDED ON AN \"AS IS, WHERE IS\" BASIS AND MMI DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS, ENDORSEMENTS OR CONDITIONS WITH RESPECT TO THE SOFTWARE, INCLUDING WITHOUT LIMITATION, WARRANTIES AS TO MERCHANTABILITY, OPERATION, NON-INFRINGEMENT, USEFULNESS, COMPLETENESS, ACCURACY, RELIABILITY AND FITNESS FOR A PARTICULAR PURPOSE."]
[null,"continued…"]
[null,"12.     This agreement is effective for the duration of the license term and any renewals thereto.  Upon violation of any of the terms and conditions of this agreement, rights to the use of the Software shall automatically terminate and the Software must be destroyed.  If MMI makes a request via public announcement or press release to stop using the Software, you will comply immediately with this request.  Removal of the Software or discontinuance of its use prior to the end of the subscription does not entitle you to a refund or absolve you from continuing to make the regular subscription payments."]
[null,"continued…"]
[null,"13.     Links to other web sites from the Software or from the MMI web site allow you to leave the Software and/or the MMI web site.  The linked sites are not under the control of MMI and MMI is not responsible for the contents of any linked site or links within a linked site.  These links are provided as a convenience only and do not imply any endorsement or recommendation by MMI."]
[null,"continued…"]
[null,"14.      A service charge will be applied for any support in re-installation, troubleshooting, or diagnostic assistance resulting from non-compliance with this agreement."]
[null,"continued…"]
[null,"15.     CAUTION, some freeware, shareware, or you-don’t-have-to-pay-for-it-ware may cause a conflict with this Software.  It is recommended by MMI that this Software only be run on a computer system containing industry accepted business software and trustworthy programs. MMI is not responsible for any problems resulting from you downloading or installing recreational or non-business software that interferes with the Software.  You are solely responsible for the safety and maintenance of your computer.  Loss of use of your computer does not justify non-payment of any subscriptions fees due."]
[null,"continued…"]
[null,"16.     By using the Software or by submitting personal information to us, you signify your agreement to MMI’s Disclaimer and Privacy Policy.  [NOTE: Canadian privacy laws do not allow you to force someone to consent to be given information. If you do something like this, you are required to allow a person to opt out at an early opportunity.  We recommend you address this issue in your privacy policy].  MMI reserves the right to change our Disclaimer and Privacy Policy at any time by posting the revised policy on our website.  MMI may notify you of any such changes by posting notice of such modifications on the web site, or via e-mail, postal mail or other means. Notwithstanding the foregoing, it is your responsibility to periodically check our Disclaimer and Privacy Policy to inform yourself of such changes. "]
[null,"continued…"]
[null,"17.     It is the intent of MMI to assist in the advancement of the profession of Mortgage Brokering in Canada through making our calculators, and resource based, product sorting ideas available to professional independent Mortgage Brokers through our specialized software.  It is the desire of MMI that this Software not be made available for use by: Banks, Credit Unions, Trust Companies, lenders in general, Insurance Agents or Brokers, Financial Planners, Mutual Fund sales representatives, Realtors and Real Estate Agents, or anyone whose principal business is not mortgage origination."]
[null,"continued…"]
[null,"18.   MMI may, in its sole discretion, modify portions or all of this agreement at any time. The onus is on you to periodically check for any revision or modifications to this agreement by checking the MMI web site www.mortgagementor.com.  Your continued use of the Software following notice of such modifications shall be deemed to be your acceptance of any such modifications to this agreement.  If you do not agree to such modifications you must immediately stop using the Software, destroy the Software in your possession or control and notify MMI immediately.  "]
[null,"continued…"]
[null,"19.    This agreement may not be assigned by you. MMI may assign this agreement at any time without notice to you. "]
[null,"continued…"]
[null,"20.    Microsoft Office, Windows and/or other Microsoft products referenced or used are either trademarks or registered trademarks of Microsoft.  All other trademarks are property of their respective owners."]
[null,"END"]