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Insurance products, including segregated fund policies, are offered through Blacks Financial Services Inc., and Investment Representatives Rick Coward, Tony Ferreira, and Darren Bailey  offer mutual funds and referral arrangements through Quadrus Investment Services Ltd. Quadrus Investment Services Ltd. and design are trademarks of Quadrus Investment Services Ltd. Used with permission. Mortgages are offered through The Canada Life Assurance Company, a federally regulated life insurance company and the mortgagee. Mortgage inquiries will be referred to a Canada Life Credit Planning Consultant.