Financial

Document your security interest in a borrower's property with this Accounts Receivable Security Agreement template for Canadian lenders.

• The Agreement is part of the documentation that the borrower must provide to the lender, to secure a loan or line of credit.
• The Agreement grants the lender a security interest in all of the borrower's present and future personal property including inventory, equipment, accounts receivable and book debts.
• The form is governed by Canadian laws and can be used in any province or territory which has Personal Property Security Act legislation.
• Buy and download the template in MS Word format. Other formats available on request.

Prepare an Accredited Investors Checklist and Representation Letter for a private offering of securities with this downloadable template for Canadian securities.

• The checklist sets out all of the classifications of investors which are defined as accredited investors by National Instrument 45-106.
• Any person, corporation or entity subscribing for the securities must complete the form and return it to the issuer.
• The subscriber must also make certain representations to the issuer regarding whether they are a Canadian resident, and on what basis they are purchasing the securities.
• This template is available in MS Word format and can be easily edited to meet your needs.
• Intended for use only in Canada.

Prepare an Acknowledgement to be signed by an investor to acknowledge that no advice has been given to the investor with respect to an investment.

• This is a generic form which can be used anywhere.
• Click the Download button to download a copy of the form.
• Available in MS Word format.

This Acknowledgement of Payment form confirms that a promissory note has been paid in full.

• This form should be signed by the lender when the full amount of the loan has been paid.
• Available as a free downloadable MS Word document.
• This form is intended for use in Canada.

This Contract for Deed form allows the seller of a property in Alabama to assist the buyer by carrying part or all of the purchase price.

• The seller effectively becomes the mortgage lender for the balance of the purchase money.
• When the seller has received payment in full of the principal and interest, title to the property will be transferred over to the buyer.
• The seller has the right to take back the property if the buyer defaults on the payments.
• At the seller's option, the balance can be repaid by monthly payments with or without interest until paid, or monthly payments with interest for a fixed number of payments with a balloon payment at the end to pay out the balance.
• This legal form is intended to be used solely within the State of Alabama.
• To download the Alabama Contract for Deed form, just put it in your shopping cart, check out and pay with Visa, Mastercard or Paypal.

Alabama mortgage lenders can use this comprehensive template to prepare a mortgage to secure a loan for purchasing a property.

• Uniform Covenants: mortgage payments, taxes and insurance, prior charges on the land, hazard insurance, occupancy as principal residence, care and maintenance of the property, protection of the lender's security, etc.
• False Information. If the borrower gave any false or misleading information on the loan application, the borrower will be in default.
• Default. If the borrower breaches any provision of the agreement and fails to cure the breach, the entire amount of the indebtedness will become due and payable, and the lender may invoke its power to sell the property.
• Homestead. The borrower waives all homestead exemptions.

Alaska is a deed of trust state, and mortgage lenders use this Deed of Trust instead of a mortgage to secure home purchase loans.

• The Deed of Trust conveys title to the property to a third party trustee (often a title company), and not to the borrower.
• The trustee holds the title as security for the loan, to make sure that the borrower makes payments on time and performs its other obligations under the loan agreement and Note.
• If the borrower defaults under the loan agreement or Note, the trustee has the authority to sell the property on behalf of the lender.
• The Deed of Trust contains uniform covenants as well as State-specific non-uniform provisions covering non-judicial foreclosure and power of sale, and the lender's right to demand full payment for repeated breaches.
• The Alaska Deed of Trust form can be re-used for each mortgage loan your office approves. Buy and download the template now.

This template fixed rate Mortgage Note for Alaska is easy to use and understand.

• The borrower will make regular monthly payments to the lender until the maturity date, at which time the balance of the loan will be payable.
• The borrower can prepay some or all of the principal at any time without paying a penalty or prepayment fee. The borrower cannot make a prepayment if any regular payments are outstanding.
• The lender can sue the borrower and obtain a personal judgment for satisfaction of any outstanding amounts, either before or after foreclosure on the property.
• Available in MS Word format.
• Intended to be used only in the State of Alaska.

Retain a sales agent and a trustee in connection with a public offering of shares under a prospectus with this Agency and Trustee Agreement for Alberta issuers.

• The issuer (offering corporation) retains the Agent to sell the securities on a 'best efforts' basis.
• The Trustee will hold all subscription funds on behalf of the issuer.
• The Agent may enter into arrangements with other investment dealers registered to sell securities in Alberta, at no additional cost to the issuer.
• The Trustee will keep the subscription funds in a daily-interest escrow account or in short-term interest-bearing securities.
• The issuer indemnifies the Trustee against claims or losses, and against its costs incurred in the performance of its duties.
• The issuer also indemnifies the Agent against claims or losses, costs or expenses (except loss of profits).
• Available in MS Word format.
• Intended to be used in the Province of Alberta, Canada.

Assign a mortgage to another mortgagee with this free Alberta Assignment of Mortgage form.

• The current mortgage lender assigns the mortgage loan to a third party (for instance, another lender who is taking over the assets of the existing lender).
• This is a free form available in MS Word format.
• Intended for use only in the Province of Alberta, Canada.

If you are transferring ownership of a car, truck, RV or SUV in Alberta, you need a signed Bill of Sale.

• The form can be filled in with Adobe Reader, signed by the parties in duplicate, and taken to a Registry Office to register the vehicle in the buyer's name.
• The Bill of Sale includes instructions on how to complete the form, and what other documents and information are required for the registration.
• Click the link to download the free Bill of Sale form in PDF format directly from Alberta Registries.

Use this template Collateral Mortgage and Promissory Note for credit facilities in Alberta.

• A collateral mortgage can be used to secure a line of credit, a revolving loan, or other credit facility where the balance owing changes from time to time.
• The borrower is responsible for insuring, repairing, and maintaining the mortgaged property and for paying all taxes and assessments.
• The lender is appointed as the borrower's attorney (agent) for the purpose of recovering any insurance proceeds with respect to the property.
• The lender has power of attorney to sell, lease or encumber the property if the borrower defaults in its obligations.
• The full balance owing is immediately payable if the borrower sells the property or, if the borrower is a corporation, there is a change in control.
• This is a downloadable legal template in MS Word format.
• Intended for use in the Province of Alberta, Canada.

Hire the services of a commodities trader with this Alberta Commodities Trader Consulting Services Agreement.

• The trader agrees to provide consulting services with respect to buying and selling commodities contracts traded on various exchanges, on behalf of the business.
• The trader will develop a trading program for the business.
• The trader must report monthly to the business.
• If the business' trading account falls below a specified limit, the trader can sell off all of the contracts and terminate the agreement.
• The contract is governed by the securities laws of the Province of Alberta, Canada.
• The form is available as a downloadable MS Word file, which can be easily customized to fit your business.

Prepare a Co-Owner's Certificate for each investor in a syndicated land mortgage in Alberta with this template form.

• The Certificates are issued to the investors (co-owners) by a company which is acting as bare trustee of the land on behalf of the co-owners.
• The Certificate represents the investor's undivided interest in the mortgage and as a co-owner of the land.
• This template is available in MS Word format and is fully editable.
• Intended for use only for lands located in the Province of Alberta.

Prepare a Power of Attorney from a co-owner (investor) in a syndicated mortgage investment with this fully editable template form for Alberta transactions.

• The co-owner appoints the issuer of the investment (developer) as his/her attorney with respect to executing, filing and registering any documents necessary to document and protect the co-owner's interest in the mortgaged lands.
• This legal form template is available as a downloadable MS Word template.
• Intended for use only in the Province of Alberta, Canada.

Issue Co-Owner Certificates to investors for units in a syndicated mortgage with this template form for Alberta.

• Each of the investors who have purchased an undivided interest in the syndicated mortgage will be issued a certificate evidencing their tenancy-in-common share in the mortgage.
• Interest will be calculated annually and paid quarterly.
• All percentage ownerships rank pari passu (that is, equally on a proportionate basis).
• The certificates are subject to redemption by prepayment or repayment of the mortgage.
• This form is a downloadable MS Word template.
• Intended for use only in the Province of Alberta, Canada.

Prepare a Resolution of the Directors authorizing a Warrant Indenture with this downloadable template for Alberta corporations.

• The Board of Directors authorizes the corporation to issue a warrant indenture and share warrants for common shares.
• The warrants are issued to investors as part of a private placement of securities, in order to raise capital for the corporation.
• Each warrant entitles the holder to one common share.
• The form is easy to download, fill in and print. Available in MS Word format.
• Intended for use by corporations formed in the Province of Alberta, Canada.

Use this form to prepare Statutory Declarations for employees of a company which is party to a syndicated mortgage transaction in Alberta, to allow the employees to purchase mortgage units.

• The employee must provide the issuer with the Statutory Declaration in compliance with Securities Act regulations.
• The Declaration states that the employee is not required to purchase the units as a term of his/her employment, and that s/he has read the offering memorandum for the syndicated mortgage offering.
• This legal form template is available in MS Word format.
• Intended for use in the Province of Alberta, Canada.

Prepare the forms needed for an annual meeting of the co-owners / investors in a land development project with this downloadable package of templates for Alberta.

• Each of the co-owners is a registered owner and holds an undivided interest in the land comprising the development. This package of forms contains:
  • Form of Proxy which allows a co-owner to appoint a proxy to vote at the meeting if he/she is unable to attend,
  • Notice of Meeting of Co-Owners, setting out the business to be conducted at the meeting,
  • Information Circular / Annual Report prepared by the agent for the co-owners.
• Available in MS Word format.
• Intended to be used only in the Province of Alberta, Canada.

Alberta investors, do you know what your legal rights are? Learn more with this free guide from the Alberta Securities Commission.

• The right to obtain complete information about any investment your financial adviser suggests, including risks and other factors which may affect its performance.
• Information about the work history and experience of an investment salesperson.
• Copies of all documents that relate to an investment.
• Complete information about fees, commissions, charges and fees.

The Alberta Investor Charter of Rights was adapted from the North American Securities Administrators Association Investor Bill of Rights.

Set up an Alberta partnership for buying and selling commodities contracts with this Limited Partnership Agreement template.

• The partnership is being formed for the sole purpose of buying and selling commodities contracts.
• If the capital account drops below 50% of the aggregate capital contributions of the limited partners, the business will end immediately and the partnership will sell all of its commodities contracts.
• The limited partners do not have the authority to manage the partnership, or to execute contracts on its behalf or bind it in any way.
• Each limited partner grants the general partner a power of attorney to execute and register documents on their behalf with respect to establishing and eventually dissolving the partnership.
• If any partner defaults in payment of any amount which he has agreed to pay, the general partner may sell the defaulting partner's units to raise funds to remedy the default.
• Available in MS Word format.
• Intended to be used only in the Province of Alberta, Canada.

Placing a mortgage on a commercial building? If you have business tenants, you should provide them with a signed Non-Disturbance Agreement from the mortgage lender.

• A non-disturbance agreement is used when a landlord is using the building as security for a loan or other debt.
• The commercial tenants are given a measure of comfort by having the mortgage lender sign the agreement.
• The mortgage lender agrees that if the landlord defaults on the mortgage and the property is foreclosed upon, the tenants will continue to occupy the premises undisturbed, provided that they are not in default under the lease.
• This Agreement is governed by the laws of the Province of Alberta, Canada.
• Available in MS Word format.

File the required Notice of Current Board Members and Addresses for Service after each change to the condo board with this free Form 8.

• Each time there is a change in the board members, whether through election, resignation, disqualification or replacement, this form must be filed with the Registrar.
• The form lists each current board member and their address for service.
• The Notice is being filed to comply with Sections 10.1 and 28(5) of the Alberta Condominium Property Act.
• This is a free form in MS Word format.

Put together the necessary information and resources you need to issue an offering memorandum for securities with this handy Alberta Offering Memorandum Checklist, which covers:

• Determination of the risk factors
• Details of the offering
• Objectives of the offering
• Use of the proceeds
• Corporate structure and history of the issuer
• Directors, officers, promoters, principal holders of securities
• Description of the offered securities
• Minimum and maximum number of securities offered
• Information about the seller
• Financial statements and material contracts
• Tax consequences
• Exemptions.

Simplify the private placement process - get this Alberta Offering Memorandum Checklist.

Make an offer to the public of trust units to fund a real estate investment with this template Offering Memorandum for the Province of Alberta.

• The offering is a private placement of trust units issued by a mutual fund trust (or unit trust), for the purpose of investing in a limited partnership which will acquire land to develop as commercial and/or residential real estate properties, and develop, subdivide and market the properties.
• The trust will act as the investment vehicle for investors to pool their funds and indirectly invest in long-term capital real estate and related projects.
• The trust's objective is to preserve investors' capital while providing a profitable return through acquisitions and competent management of real estate investment projects.
• Because the trust qualifies as a mutual fund trust, the units being sold are qualified investments under the Income Tax Act (Canada) and are eligible for investments through RRSPs, RRIFs, deferred profit sharing plans, and RESPs.
• The investment is subject to resale restrictions, and there are certain tax considerations which the investor must take into account.
• The offering can only be made to Canadian residents.
• This OM is only for securities that are not listed or traded on any stock exchange or public market.

Download the Alberta Offering Memorandum for REIT Investment in MS Word format.