Automated Mortgage Renewal Alerts: The Key to Client Retention
Your client database is your single most valuable business asset, but it's under constant threat. Banks and competitors are always working to poach your past clients, especially as renewal dates approach. Your best defense is a proactive offense. Using automated mortgage renewal alerts helps you protect your hard-earned relationships. These systems monitor your database for opportunities and risks, allowing you to engage clients at the perfect moment. This isn't just about retention; it's about turning that database into a predictable source of recurring revenue and proving your value year after year.
Key Takeaways
Start the Renewal Conversation First: Automated alerts put you in front of your clients months before the bank's generic renewal letter arrives. This proactive timing gives them the space to make smart decisions with your guidance, making you their first and most trusted call.
Turn Data into Meaningful Advice: Use automated alerts to transform client data into personalized, actionable advice. Highlighting specific savings or refinance opportunities shows you're actively looking out for their financial future, building the kind of trust that secures clients for life.
Automate the Busywork, Not the Relationship: Let technology handle the routine reminders and data monitoring so you can focus on what truly matters—providing expert advice. Use alerts as the perfect reason to pick up the phone and have a meaningful conversation, strengthening your role as an indispensable partner.
What Are Automated Mortgage Renewal Alerts?
As a mortgage broker, your relationship with a client doesn't end when the deal closes. The real key to long-term success is staying connected and providing value throughout their homeownership journey. This is where automated mortgage renewal alerts come in. Think of them as your secret weapon for client retention. In simple terms, these are timely, personalized notifications sent to your clients well before their mortgage term is up.
These alerts do more than just remind homeowners about an upcoming date. They position you as a proactive advisor, ready to help them secure the best possible terms. By reaching out before their current lender does, you get a critical head start. This simple, automated action shows your clients you’re still looking out for their financial well-being, building the kind of loyalty that turns a one-time client into a lifelong partner who sends referrals your way.
How Do These Alerts Work?
The mechanics are straightforward but powerful. A good alert system tracks your client's mortgage term and automatically triggers reminders a few months before the renewal date. This isn't just a generic calendar ping; it's a strategic touchpoint. By getting in touch early, you give your clients ample time to review their options without feeling rushed.
This proactive approach is a game-changer. Instead of your client receiving a standard renewal offer from their bank and simply signing it, your alert prompts them to connect with you first. This allows you to review their financial situation, explore competitive rates, and negotiate a better deal on their behalf. You become the first and most trusted call they make.
Key Features of a Renewal Alert
Not all alert systems are created equal. The most effective ones are packed with features that empower both you and your client. Look for platforms that go beyond a simple date reminder. Key features should include the ability to show clients a comparison of current mortgage rates, giving them a clear picture of the market.
Personalized offers are another essential component. A great system allows you to tailor the message with data-driven insights about their property and financial standing. Finally, the alert should include clear, actionable steps for the homeowner. This transforms a simple notification into a valuable piece of financial guidance, making it easy for them to understand their options and start the renewal process with you.
How Canadian Regulations Play a Role
In Canada, lenders are legally required to send a renewal statement to borrowers at least 21 days before the term ends. While this regulation ensures homeowners get some notice, 21 days is hardly enough time to properly explore the market and secure the best deal. This tight timeline often pressures homeowners into simply accepting the lender's first offer, which is rarely the most competitive one.
This is precisely why automated alerts are so valuable. By reaching out three to six months in advance, you operate far ahead of the minimum regulatory requirement. You give your clients the gift of time—time to plan, compare, and make an informed decision with your expert guidance. This positions you as an indispensable advisor, not just another piece of mail arriving at the last minute.
Why Homeowners Love These Alerts
Automated mortgage renewal alerts are more than just a calendar reminder; they’re a powerful tool for financial empowerment. For homeowners, these timely notifications are a welcome signal to take control of their biggest financial asset. Instead of feeling rushed or pressured by a lender’s renewal notice, homeowners receive a clear, early heads-up from a trusted source: their mortgage broker. This simple alert transforms the renewal process from a stressful obligation into a strategic opportunity. It gives homeowners the time and confidence to explore their options, ask the right questions, and make choices that align with their long-term wealth-building goals. By getting this information well in advance, you can step back and see the bigger picture. It’s about shifting the power back to you, ensuring you’re not just a passive participant in your financial journey but an active, informed decision-maker who is ready to make the most of every opportunity. This proactive approach helps you stay ahead of the banks and ensures that your mortgage continues to work for you, not the other way around.
Save Money and Secure Better Rates
Your mortgage is likely your largest monthly expense, so even a small interest rate reduction can lead to significant savings. Lenders often send renewal offers that are convenient but not always their most competitive. An automated alert gives you a crucial head start to shop around and find a better deal. It’s the nudge you need to avoid passively accepting the first offer that lands in your inbox. By giving you ample time to connect with your broker, these alerts empower you to look for better mortgage terms elsewhere, potentially saving you thousands of dollars over your next term.
Easily Compare Your Rate Options
The mortgage market can feel complex, and comparing offers from different lenders is often overwhelming. A renewal alert simplifies this entire process. It acts as the starting point for a clear and productive conversation with your mortgage broker. Instead of trying to decipher confusing jargon and varied terms on your own, you can rely on your broker to present your options side-by-side. This makes it much easier to understand the pros and cons of each choice. Renewing your mortgage becomes less about guesswork and more about making an informed decision based on straightforward comparisons.
Make Smarter Renewal Decisions
Big financial decisions require time and thought, but life gets busy. It’s easy to push your mortgage renewal to the back burner until the deadline is looming. An alert system prevents this by putting you in the driver's seat months in advance. Getting ready ahead of time makes the process less stressful and helps you align your mortgage with your current financial situation and future goals. Do you want to pay it off faster? Consolidate debt? Access some home equity? An early reminder gives you the space to consider these questions thoughtfully, turning your renewal into a strategic financial move rather than a last-minute scramble.
Avoid the Pitfalls of Auto-Renewal
Lenders often count on the fact that many homeowners will simply let their mortgage renew automatically. While convenient, this is one of the most common and costly mistakes a homeowner can make. If you don't take action, the renewal of your mortgage term may be automatic, which means you could get stuck with a higher interest rate and less favorable conditions. A renewal alert is your best defense against this passive outcome. It’s a simple, proactive step that ensures you actively engage with your mortgage, review your options, and secure the terms that work best for you, not just for your lender.
How Lenders Use Renewal Alerts to Succeed
For a mortgage broker, success isn't just about closing the next deal; it's about building a business that lasts. Automated renewal alerts are a powerful tool for exactly that. They shift your client relationships from being transactional to being proactive and ongoing. Instead of reacting when a client’s renewal letter from the bank arrives, you can be the one to start the conversation, armed with helpful insights and personalized advice. This approach not only secures your existing client base but also positions you as an indispensable financial partner for the long haul. By getting ahead of renewals, you demonstrate consistent value, making it an easy choice for clients to stick with you. This strategy is fundamental to creating a sustainable business built on trust and repeat opportunities, ensuring you remain the go-to expert for all their home financing needs.
Keep Clients Happy (and Coming Back)
Your client database is your most valuable asset, but it’s constantly being targeted by competitors. A renewal alert system acts as your first line of defense. These platforms can monitor your client list and notify you when a client shows signs of shopping for a new mortgage, like a credit inquiry from another lender. This gives you a crucial window to reconnect, understand their needs, and remind them of the value you provide. By demonstrating your commitment beyond the initial transaction, you build the kind of loyalty that is essential for long-term client retention and a steady stream of repeat business.
Engage with Clients at the Right Time
Timing is everything. Reaching out too early can feel premature, while reaching out too late means you might have already lost them to their bank’s auto-renewal offer. Modern alert systems use predictive analytics to identify the perfect moment to engage. By analyzing market data and client behaviour, these tools can flag opportunities up to 90 days before a client might need your services. This allows you to connect precisely when your advice is most relevant and welcome, whether it's for a renewal, a refinance, or tapping into their home equity. This data-driven timing makes your outreach feel less like a sales pitch and more like timely, valuable guidance.
Use Data to Personalize the Experience
A generic "It's time to renew!" email is easy to ignore. A personalized message showing a client exactly how much they could save is impossible to overlook. The best alert systems allow you to deliver this kind of tailored advice automatically. By tracking details like current interest rates, home values, and outstanding mortgage balances, the system can identify specific opportunities for your clients. For example, it can automatically flag when a refinance makes financial sense. This level of personalization shows clients you’re actively managing their mortgage and looking out for their financial well-being, building deep and lasting trust.
Gain an Edge Over the Competition
In a competitive market, every advantage counts. Proactively reaching out to clients before they even begin their search is perhaps the biggest edge a broker can have. Once a homeowner starts browsing online rate sites or takes a call from their bank, you're forced to compete on price alone. An alert system lets you be the first person they talk to, framing the conversation around value and expert advice, not just the lowest rate. This proactive strategy helps you retain clients who might have otherwise drifted away and makes your marketing efforts far more effective by focusing on people who are ready to act.
What to Look for in a Mortgage Alert System
Choosing a mortgage alert system isn't just about adding another piece of software to your toolkit; it's about investing in a platform that will help you build stronger, more profitable client relationships. The right system works as a partner, equipping you with the insights and automation you need to stay ahead of the banks and provide proactive service. As you compare your options, it's easy to get lost in a long list of features. Instead, focus on the core capabilities that will actually make a difference in your day-to-day workflow and your clients' financial well-being. A great platform should feel like an extension of your expertise, handling the busywork so you can focus on offering personalized, timely advice. Look for a system that delivers accurate data, offers meaningful customization, and protects the sensitive information your clients entrust you with.
Real-Time Rate and Market Tracking
The mortgage landscape can change in the blink of an eye. A system that relies on delayed data is already putting you a step behind. To provide the best advice, you need access to live updates on mortgage rates and market fluctuations. This allows you to spot opportunities for your clients as they happen, not days or weeks later. When you receive an alert about a significant rate drop, you can immediately reach out to clients who could benefit from refinancing or renewing early. This proactive approach solidifies your role as a trusted, on-the-ball advisor who is actively looking out for their clients' financial interests, helping them stay informed about the latest Canadian mortgage trends.
Customizable Alert Settings
A constant stream of notifications can quickly become overwhelming, leading to "alert fatigue" where important updates get lost in the noise. A top-tier mortgage alert system gives you control over what you see and when you see it. Look for a platform that lets you customize the frequency of alerts—whether daily, weekly, or only when a specific threshold is met. You should also be able to choose how you receive these notifications, whether through email, text, or a direct integration with your CRM. This level of personalization ensures you receive relevant, actionable information without being distracted by data that isn't pertinent to your current client files.
Flexible Communication Options
Not every client is the same, and your alert system should reflect that. The ability to filter and segment your notifications is crucial for delivering a personalized experience. A powerful platform will allow you to set specific rules for alerts based on criteria like a client's credit score, their renewal date, or the loan officer assigned to their file. This means you can tailor your outreach strategy, ensuring that the right message reaches the right client at the perfect moment. Instead of sending generic blasts, you can create highly targeted campaigns that speak directly to a homeowner's unique situation, making your communication far more effective and valuable.
Clear Analytics and Performance Reports
How do you know if your client retention efforts are paying off? Without clear data, you're just guessing. A quality alert system must include robust analytics and reporting features that show you what's working. You should be able to easily track key metrics like client engagement rates, successful renewals, and the overall return on your investment. Some platforms can even generate a full analysis and client-facing presentation in minutes, saving you valuable time. These insights are essential for refining your strategy, demonstrating your value to clients, and making data-driven decisions to grow your business.
Top-Notch Security to Protect Client Data
In the mortgage industry, trust is everything. You handle an immense amount of sensitive personal and financial information, and protecting that data is non-negotiable. Many brokers still use manual processes or fragmented systems that create security vulnerabilities. A modern, automated platform should be built with bank-grade security to safeguard client data and ensure you remain compliant with Canadian privacy laws like PIPEDA. When evaluating a system, make security a top priority. A data breach can permanently damage your reputation and your clients' trust, so choose a platform that takes data protection as seriously as you do.
Top Mortgage Alert Platforms to Know
With so many options on the market, finding the right mortgage alert platform can feel like a big task. These tools are designed to help your mortgage professional serve you better, but they each have a slightly different approach. Some focus on renewal dates, others watch for refinance opportunities, and some predict when you might need a loan before you even realize it. Understanding the key players helps you appreciate the technology working behind the scenes to protect your biggest investment. Here’s a look at some of the top platforms that are changing the game for homeowners and their mortgage advisors.
Ownwell
Ownwell is built to empower you by keeping your mortgage broker connected and informed. The platform delivers personalized homeowner reports right to your broker, giving them a complete picture of your property's value and equity. This allows them to provide you with proactive advice on renewals and refinancing. Think of it as your personal mortgage watchdog, offering a comprehensive solution that ensures you’re always ahead of your renewal date. The goal is simple: to help you build wealth through your home by making sure you always have the best possible mortgage terms for your financial situation.
Cascade Alerts
Cascade Alerts is a tool that helps your lender stay on top of your mortgage needs. It works by monitoring credit data to see if a past client is shopping for a new mortgage or looking to refinance. This allows your original broker to reach out proactively with a competitive offer before you sign with someone else. For you, this means your trusted advisor gets a chance to retain your business by presenting you with great options you might not have found otherwise, ensuring you don’t miss out on a potential deal from a professional who already knows your financial history.
RECAPTURE
RECAPTURE is a specialized tool from Uplist designed to make the refinancing process faster and more efficient for your loan officer. It automatically analyzes your mortgage details and market conditions to pinpoint the perfect time for a refinance. By automating this complex analysis, it frees up your mortgage professional to focus on what really matters: providing you with clear, timely advice. This means you get notified about refinance opportunities that could save you money without having to constantly check rates and crunch numbers yourself. It’s all about turning complex data into simple, actionable moments.
Uplist
Uplist is the company behind the RECAPTURE tool, and its core mission is to help mortgage professionals provide better service through technology. The platform works by continuously monitoring the loans of past clients. When the system identifies that market conditions have created a beneficial opportunity for a homeowner to refinance, it sends an alert to their loan officer. This proactive approach ensures that your broker can enhance their efficiency and reach out to you with valuable advice at exactly the right moment, helping you make the most of your home investment.
Monitor Base
MonitorBase uses what it calls "Predictive Scenario Alerts" to give mortgage professionals a unique advantage. Instead of just reacting to market changes, this platform tries to predict when you might need a new loan. It analyzes various data points to identify life events that often lead to borrowing, like a home sale or a new credit inquiry. This system can give your lender a heads-up up to 90 days before you even start your search. This allows them to connect with you early, offering support and guidance right when you need it, making the lending process feel more intuitive and personalized.
LenderHomePage
While many platforms focus on renewals and refinancing, LenderHomePage offers alerts that improve your experience during an active loan application. Its system sends automated updates to keep you informed about where your application stands every step of the way. This transparency reduces the stress and uncertainty that can come with waiting for approval. For you, it means fewer follow-up calls and a clearer understanding of the timeline. It’s a simple but powerful feature that helps speed up loan approvals by keeping communication flowing smoothly between you and your lender.
Mortgage Advisor Tools
Mortgage Advisor Tools offers a product called RateAlert, which is focused on one critical piece of information: interest rates. This tool provides live updates and alerts whenever mortgage rates change. This is incredibly valuable whether you’re a first-time homebuyer waiting for the right moment to lock in a rate or a current homeowner considering a renewal. By getting timely notifications, you and your advisor can make swift, informed financial decisions. Staying on top of rate changes is essential for securing the best deal, and this tool makes it easy to do just that.
How to Set Up Your Alert System
Implementing a new system can feel like a huge undertaking, but the right approach makes all the difference. Breaking it down into a few key steps will help you get your automated alert system running smoothly and effectively, setting you and your clients up for success.
Integrate with Your Existing Tools
Your renewal alert system should simplify your life, not complicate it. Look for a platform that connects seamlessly with the tools you already use, like your CRM. This integration is crucial for streamlining your workflow and avoiding the operational bottlenecks that come with manual data entry and outdated systems. When your tools talk to each other, you spend less time on administrative tasks and more time building relationships with your clients. The goal is to create a single, cohesive process where client information flows automatically, triggering timely alerts without extra effort on your part.
Manage Your Client Data Effectively
The quality of your alerts depends entirely on the quality of your data. Inaccurate or incomplete information leads to missed opportunities and a poor client experience. Centralizing your client data—including mortgage renewal dates, contact details, and loan specifics—is the first step. An automated system helps you maintain this data integrity over time. When you have accurate information at your fingertips, you can deliver personalized, relevant alerts that truly help your clients. This focus on data management directly improves the customer experience and shows clients you’re paying attention to their unique financial journey.
Train Your Team for Success
Technology is a powerful tool, but your team brings it to life. Proper training ensures that everyone understands not just how to use the alert system, but why it matters for client relationships. When your team is confident, they can use these automated touchpoints as a springboard for meaningful conversations. This approach helps you avoid the potential backlash from over-automating by adding a necessary human element. Training should focus on how to interpret the data, personalize follow-ups, and use the alerts to provide proactive, valuable advice. It empowers your team to be better advisors, not just system operators.
Meet Your Compliance Obligations
As you automate parts of your client communication, staying compliant is non-negotiable. Your alert system must align with Canadian regulations like the Personal Information Protection and Electronic Documents Act (PIPEDA) and Canada's Anti-Spam Legislation (CASL). Choosing a platform designed with these rules in mind is essential. This isn't just about avoiding penalties; it's about protecting your clients' sensitive information and building trust. Ensuring compliance while implementing new processes shows your clients that you operate with integrity and professionalism, reinforcing that they are in safe hands.
Get the Most Out of Your Renewal Alerts
Setting up an automated alert system is a fantastic first step, but the real magic happens when you use it strategically. Think of these alerts not just as notifications, but as conversation starters. They provide the perfect reason to connect with your clients at a critical moment in their homeownership journey. By fine-tuning your approach, you can turn a simple reminder into a powerful tool for building loyalty, demonstrating your value, and securing repeat business. Here’s how to make every alert count.
Optimize Your Alert Timing
When it comes to mortgage renewals, timing is everything. Reach out too late, and your client might already be deep in conversation with their bank. Contact them too early, and the renewal may not feel urgent enough to act on. The sweet spot is typically four to six months before the renewal date.
Starting the conversation early gives your clients the breathing room they need to make a smart financial decision. It allows ample time to compare rates, review their financial goals, and explore all their options without feeling pressured by a looming deadline. An early heads-up shows you’re proactively looking out for their best interests, positioning you as a trusted advisor rather than just another broker.
Personalize Your Communications
A generic "Your mortgage is up for renewal" email is easy to ignore. A personalized message that speaks directly to your client's situation is not. Use the data from your alert system to tailor your outreach. Reference their current mortgage details, the equity they’ve built, or recent changes in the market that could benefit them.
For example, you could say, "I saw your renewal is coming up in May. Based on your current equity, we might be able to secure a better rate or even look at a HELOC for that home renovation you mentioned." This approach shows you remember their goals and are actively looking for ways to help them build wealth. Offering personalized deals and tailored advice makes clients feel seen and valued, strengthening your relationship and encouraging them to stay with you for the long haul.
Set Clear Communication Standards
Everyone has a preferred way of receiving information. Some clients live in their email inbox, while others respond instantly to a text message. A great alert system lets you customize how and when you communicate, but it’s up to you to set those standards with your clients.
From the beginning of your relationship, ask clients how they’d like to receive important updates. Do they prefer a monthly email summary or a quick text for urgent matters? Giving them control over communication preferences shows respect for their time and attention. When you get alerts set up to align with their choices, your messages are more likely to be welcomed and read, making your outreach far more effective.
Track Your Performance and Improve
You can’t improve what you don’t measure. Most alert platforms come with analytics that provide valuable insights into your client engagement. Pay attention to metrics like email open rates, click-through rates, and response times. This data tells you what’s working and what isn’t, so you can refine your approach over time.
Beyond engagement, tracking performance helps you spot new business opportunities. For instance, an alert about a client’s growing home equity could be your cue to discuss refinancing or investing in a second property. By monitoring these trends, you can proactively offer services that align with your clients' evolving financial situations, turning a standard renewal into a chance to deepen the relationship and explore new avenues for building their wealth.
Combine Tech with a Human Touch
Technology is a powerful tool, but it’s most effective when it supports, not replaces, the human connection you have with your clients. The goal of automated alerts isn’t to remove you from the equation; it’s to handle the routine tasks so you can focus on what you do best: offering personalized advice and building relationships. By letting technology manage the data analysis and reminders, you’re free to have more meaningful conversations.
Finding the right balance between automated services and personal interaction is what sets successful brokers apart. Automation can analyze a client’s financial situation to help you pinpoint mortgage products that are a perfect fit, but you’re the one who explains the options and guides them through the decision. This combination of smart technology and a personal touch ensures your clients feel supported and valued, not just processed. It’s how you turn a simple renewal reminder into a genuine opportunity to connect and strengthen your relationship.
Create Meaningful Touchpoints
Think of automated alerts as conversation starters. Instead of a cold, generic notification, a well-timed alert is a meaningful touchpoint that shows your clients you’re proactively looking out for their financial well-being. These updates keep them informed about their mortgage and upcoming renewal, reducing the anxiety that often comes with financial planning.
This proactive communication also benefits you directly. Automated alerts eliminate the need for repetitive follow-ups, freeing up your schedule to concentrate on high-value activities. Instead of spending your day chasing down clients for paperwork or sending manual reminders, you can dedicate that time to providing strategic advice, exploring new opportunities for your clients, or growing your business.
Build Lasting Client Trust
Trust is the foundation of any long-term client relationship, and it’s built through consistency and transparency. When clients receive timely, accurate information about their mortgage without having to ask for it, it demonstrates your reliability and commitment to their success. Automated systems reduce the chance of human error and ensure that no detail, or client, is overlooked.
This level of proactive service leads to improved trust and greater customer satisfaction. By providing automated updates, you make the entire mortgage process more transparent. Clients feel more in control and confident in your guidance when they understand what’s happening with their most significant asset. This consistent communication reinforces that you are a dependable advisor they can count on for years to come.
Integrate Alerts into Your Service Model
To truly reap the benefits of automation, it needs to be a core part of your service model, not just an afterthought. Relying on manual tracking or legacy systems creates operational bottlenecks and compliance risks. Integrating a dedicated alert platform into your daily workflow ensures a seamless and professional experience for every client.
By making automated alerts a standard procedure, you create a scalable system that can grow with your business. It ensures every client receives the same high level of proactive service, especially as their renewal date approaches. This moves you away from reactive problem-solving and toward a more strategic, forward-thinking approach to client management, solving challenges before they even arise.
Focus on Long-Term Relationships
Ultimately, automated alerts are a tool to help you nurture long-term relationships. While the technology can handle the timing and delivery of communications, your personal touch is what turns a client into a lifelong advocate for your business. Use the alerts as a reason to pick up the phone, send a personal email, or schedule a review.
This approach allows you to become a central part of your clients' homeownership journey. You’re not just the person who handled their mortgage once; you’re their go-to expert for refinancing, renewals, and future property purchases. By combining smart automation with genuine, human connection, you position yourself as an indispensable partner in helping them build wealth through homeownership.
Related Articles
8 Best Mortgage Renewal Alert Software in Canada — Ownwell: Build Wealth Through Homeownership
Frequently Asked Questions
Why is an automated alert better than just setting my own calendar reminder? A calendar reminder just tells you a date is coming up. A smart alert from your broker does much more. It's timed strategically and often comes with useful information, like how current market rates compare to your own. It serves as a starting point for a productive conversation about your financial goals, turning a simple reminder into a real opportunity to save money or adjust your strategy.
Are these alerts just another form of sales pitch from my broker? Not at all. The goal is to provide you with valuable advice at the right time. Instead of a generic sales message, a good alert is personalized to your situation. It might highlight how much equity you've built or show you potential savings based on new interest rates. It’s about empowering you with information so you can make a smart decision, not pressuring you into one.
How much work is this for me? Do I need to sign up or manage another account? That's the best part—it requires almost no effort from you. Your mortgage broker sets up and manages the system on their end. You simply receive the timely, helpful notifications when your renewal is on the horizon. The alert is designed to make your life easier by starting the renewal conversation for you, so you can focus on the important decisions without the administrative hassle.
My bank sends me a renewal notice. Isn't that enough? While your bank is required to send you a renewal notice, it often arrives with very little time to spare—sometimes just three weeks before your deadline. This tight timeline can pressure you into accepting their offer without shopping around. An alert from your broker gives you a head start of several months, providing you with the time needed to explore better rates and terms with an expert who is on your side.
How is my personal financial information kept safe with these systems? This is a top priority. Reputable platforms used by mortgage professionals are built with bank-grade security to protect your sensitive financial data. They are designed to comply with Canada's strict privacy laws, like PIPEDA. Your broker chooses these systems precisely because they offer a secure, professional way to manage information and maintain the trust you've placed in them.
