403-752-3322 contact@raymond.ca

Assessment & Taxation

Assessment &
Taxation

My Property
Assessment

My Property
Taxes

My Assessment
Complaint

Assessment & Taxation

Your assessment is used to equitably distribute the revenue required from property taxes that support services such as fire, peace officer, parks, streets and roads, corporate services, libraries, and other programs necessary to maintain the high level of municipal services enjoyed by the people of Raymond. All of Raymond’s property owners pay annual property taxes, which are due on July 15th of each year. Your share of the municipal revenue required from property taxes is determined by your property assessment.
Instructions to access your assessment online:
1. Click the “Access Your Assessment On-line Here” button above.
2. Agree to Terms of Use
3. Select Municipality “Raymond Town”
4. Select Type of Access “General Public”
6. Search for Property by Roll, Legal Address, Civic Address
7. Select to view or download desired report

My Property Assessment

Your assessment is an estimate of the price your property may have sold for on the open market by a willing seller to a willing buyer as of July 1, of the previous year. Assessed values reflect the physical condition of the property as of December 31, of the previous year.

Since 1995, Provincial legislation states that municipalities must use market value assessments to determine each property’s fair share of revenue requirements from property taxes for municipal and provincial education services.

The market value standard has been used around the world since the 1970’s. It is considered to be the most fair, equitable, and transparent manner to distribute property tax revenue requirements.

Market value assessment is a method that reflects the relative economic capacity and ability of property owners to pay taxes.

 

What are the key factors that affect my property's value?
  • Style of home (examples: bungalow, bi-level)
  • Size of home
  • Size of the lot
  • Age
  • Basement or lower level finish
  • Quality of construction
  • Building condition
  • Location & Site influences (examples: golf course, lake, coulee view)
  • Other special features (examples: air conditioning, fireplaces, pools)
Why is my property assessment different every year?

The Town is required to reassess all properties annually. Your current assessment is based on the market value as of July 1, of the previous year.

I paid $260,000 for this property. Why is it assessed at $267,000?

A range of sale prices results when similar properties are sold during the same time frame. Assessed values reflect the sales in the middle of this range of prices. That is why your assessed value may be higher or lower than the price you purchased your home for.

How do I know my assessment is fair?

Assessed values are reviewed at three points in the valuation process:

  1. By the Town’s appointed Assessment Firm’s internal checks and balances
  2. By the Alberta Government’s annual assessed audit process
  3. By individual property owners’ review of their notice

You may wish to compare your assessment to your neighbours and other similar properties that have recently sold. You can also contact Benchmark Assessment Consultants at  403-381-0535 or 800-633-9012 with any questions or for more details on your assessment. They would be happy to assist you and answer any inquiries.

Where can I find all the assessed values for the Town?

All property assessments can be searched here on our public GIS system

OR

All assessed values included on the assessment roll are available at the Town Office and include:

  • The property roll number
  • The type of property
  • The property address
  • The property legal description
  • The tax classification and liability
  • The assessed value
What can I do if I believe my assessment and property details are incorrect?
Benchmark Assessment Consultants welcomes any inquiries regarding your assessed value. If there are errors in the physical characteristics recorded, the appraiser will amend the assessment accordingly. Below outlines the actions you can take to help ensure your assessed value is correct:

    What is a Property Assessment & Tax Notice?

    This notice advises you of:

    • Your new current assessed value
    • Your tax classification, rate, and tax liability for Provincial Education, Seniors Funding and Municipal taxes
    • Your legal description (Plan;Block:Lot)
    • Your street maintenance tax
    • Your declared school support
    • Your total outstanding property taxes including tax arrears
    • Your date of payment to avoid late penalty charges
    • Your complaint deadline
    • Your local improvement and other property tax related charges

    My Property Taxes

    Your property taxes go to support services such as fire, peace officer, parks, streets and roads, corporate services, and many other programs necessary to maintain the high level of municipal services enjoyed by the people of Raymond. All of Raymond’s property owners pay annual property taxes, which are due on July 15th of each year. Your share of the municipal revenue required from property taxes is determined by your property assessment.

    Assessment and Tax Mail-Out

    Tax rates are finalized once the Government of Alberta confirms the education property tax requisition and Town Council sets the current year’s property tax rates. The annual assessment and tax notices for residential properties and the tax notices for income producing properties are mailed in May. Property taxes are due on July 15th each year to avoid late payment penalties.

    Tax payments can be made in a variety of ways:

     

    By Tax Installment Payment Plan

    The TIPP program offers Raymond taxpayers the option of making manageable monthly payments. The 12 equal instalments are automatically withdrawn from your bank account on the 15th day of each month.

    To be eligible for the TIPP program, your current year property tax (due July 15) must be paid in full.

    Once you are enrolled in the program there is no need to reapply every year. The program will continue until you submit a cancellation form. Click here for more information.

    By Mail

    Cheque or money order payable to the Town of Raymond:
    Town of Raymond
    Corporate Services Department
    Box 629
    Raymond, AB, T0K 2S0

    In Person

    At the Town Hall
    8:30 a.m. to 4:30 p.m. – business days, closed during lunch hour.
    Cash, cheque or debit cards
    Credit cards are not accepted

    By Online Banking

    Check with your financial institution

    The 2016 budgets for Municipal, Provincial Education, and Ridge Country Housing Authority increased by an average of 0.39%.

    Your property tax is made up of:

    • A municipal portion – based on the budget Town Council sets (about 75% of your total residential bill)
    • A provincial education portion – The Alberta Government sends the Town an invoice for the education tax. The Town of Raymond is required to collect this tax from property owners on behalf of the province (about 24% of your total residential bill)
    • A seniors portion – The Ridge Country Housing Authority sends the Town an invoice for the senior citizen housing management body in our region (about 1% of your total residential bill)
    • Some residents also pay local improvement charges or a road maintenance tax

    Property taxes are due by July 15th every year. The final tax rates are not set until late April or May, when the budget for municipal services is finalized and the provincial requisition for education taxes has been received.

    Property Tax Statistics

    Have you ever wondered how the Town of Raymond stacks up against other municipalities in Alberta? Well your Town completed a study that compares the average total property taxes for single family properties in the Province of Alberta for 2015. Here’s how we did:

    Property Tax Statistics

    We also did a average municipal property tax comparison for single family properties in the Province of Alberta for 2015. Here are the results:

    Property Tax Statistics

    We also did a average municipal property tax comparison for single family properties in the Province of Alberta for 2015. Here are the results:

    Education Property Tax

    Education taxes are not subject to control or review by the Town of Raymond. Under Provincial legislation the Town is required to administer and collect the education tax on behalf of the Province for public and separate school boards.

    Each year, the Alberta Government determines the total amount of revenue that will be required for education purposes through the property taxation system across the province.

    The total assessment of all property in a municipality is used as the basis to calculate that municipality’s share of the total provincial amount. Every municipality’s share of the total provincial amount is called the education property tax requisition. Annually, the Province sends out these requisitions to all municipalities in the province.  The municipality is then required by Provincial legislation to collect the revenue required to pay the requisition through the property assessment and tax system.

    Your property assessment is used to calculate your share of the revenue required to pay the requisition for Raymond. This part of your total property tax bill is collected by the Town and sent to the Alberta Government. This is not additional revenue for the Town.

    Who pays

    All property owners in Raymond, residential and non-residential, are required to pay education property taxes including those without children in school and senior citizens.

    For more information visit: Government of Alberta Education Property Tax

    Use of the education tax 
    The following information is provided by the Government of Alberta: “Education property taxes support public and separate school students in grades 1 to 12. Education property taxes are pooled and then distributed to all Alberta school boards on an equal per-student basis. The majority of these funds are for instruction, including teacher salaries, textbooks, and other classroom resources.”

     

    For Seniors

    Seniors Property Tax Deferral Program

    The Alberta Government has implemented the Seniors Property Tax Deferral Program. This voluntary program allows eligible seniors to defer their residential property taxes through a low interest home equity loan with Alberta Health. If a senior is eligible, the Province will pay your property taxes to the Town and the loan will be payable when the senior sells the home or the loan is paid in full. For more information on this new program, click here.

     

    Tax Facts

    Property tax is made up of a Provincial education portion, or school “levy”, a seniors portion, a municipal portion, also called a municipal “levy”, and local improvement charges.

    • The Provincial Government determines the amount of education tax each municipality in Alberta will pay. Your Town is required to collect this tax from property owners on behalf of the Province.
    • The Ridge Country Housing Authority determines the amount of tax necessary for the operation of their senior facilities and supports. Your Town is required to collect this tax from property owners on behalf of the Ridge Country Housing Authority.
    • Municipal property taxes are used to pay for civic services like fire, peace officer, waste management, parks and recreation, roads, sewers, and other infrastructure.

     

    Setting Municipal Taxes

    In its budget, Town Council approves the amount of money required to support Town services and programs. From this amount sources of revenue other than property taxes, such as provincial grants, license fees, and user fees, are subtracted. The balance is the amount to be raised from property taxes. Then the assessed property values, as compared to other homes at the same date each year (July 1), are used to determine each property owner’s share of the total property tax revenue required.

    Overall market value changes of properties do not affect the total revenue your Town collects from property tax. Your Town only collects enough taxes to realize the revenue required in the budget.

    Your Town does not get less tax revenue when total property values decrease. Nor does your Town get more property tax revenue when the overall property values increase.

     

    The Tax Rate

    Property taxes are affected by four factors:

    1. A change in the Provincial Education tax required by Alberta Learning and distributed to the Public and Separate School Boards
    2. A change in the tax requirements of the Ridge Country Housing Authority necessary for the operation of their senior facilities and supports.
    3. A change in the Town’s overall budget to meet the demands for Town services.
    4. A change in your property’s assessed market value if it is higher or lower than the average change in property values Town wide.

    Other Taxes

    Supplementary Tax

    • When a new building or an addition to an existing building is completed in the calendar year, a supplementary tax bill will be issued by the end of the year
    • The supplementary tax bill will reflect the number of months the building was completed or occupied during the year.

    Local improvement charges 

    • You will see this charge when property owners approve new or replacement construction projects that intend to upgrade or improve certain conditions within residential, commercial and industrial areas of the municipality.
    • Property owners have the option of paying the associated costs (construction costs and interest) over a specified number of years for improvements constructed in the area of their property or in one lump sum.
      • Examples are alley paving, concrete curbs and gutters, sidewalk replacement, extending sanitary, storm or water systems, etc.

    Mailing Address Updates

    The Town of Raymond’s source of information for mailing assessment notices and tax bills is the Province of Alberta Land Titles Office.

    It is the property owner’s responsibility to keep the Land Titles record accurate. Under the Municipal Government Act Section 337, once mailed, a tax bill is considered to have been received after seven days.

    Contact Alberta Land Titles at 403-297-6511 regarding any changes to your mailing address. You will need the legal description of your property, as shown on your tax bill, in order to make the change. You can also visit the Alberta Land Titles website for more information.

    To change your address with the Town, just call, email or stop by in person and update our records with your current information.

    My Assessment Complaint

    60 Day Customer Review Period
    You have a 60 day review period between mailing of your assessment notice and the date complaints are due, (outlined on your assessment notice) to review your assessment.  Complaints must be filed during this time period. 
     
    What can I do if I disagree with my property assessment?
    1. You should review your assessment in comparison to what your property would likely have sold for on July 1 of the previous year. If that number is close to your assessment, then likely the assessment is fair. If you think the assessment is too high, arrange for a meeting with the assessor by contacting Benchmark Assessment Consultants at  403-381-0535 or 800-633-9012. 
    2. Get a second opinion, in writing, from an appraiser or realtor who has knowledge of Raymond market values.

    It is important to talk to your assessor before filing a complaint.  If the assessment is in error, it can be amended during the 60 day Customer Review Period. 

     If you don’t reach a resolution using the above process, you may file an assessment complaint. 
     
    Note: Corrections to an assessment can only be made within 60 days from the mailing of the notice.
     
    What can I file a complaint about? (MGA Sec 460 (5))
     
    Your complaint may be about any of the following matters, as shown on an assessment notice:
    • An assessment
    • An assessment class
    • An assessment sub-class
    • The type of property
    • The type of improvement
    • Whether the property or business is assessable
    • Whether the property or business is exempt from taxation under Part 10 of the Municipal Government Act
    • School support*
    • The description of a property or business*
    • The name and mailing address of an assessed person or taxpayer*
    *to eliminate the need for you to file a complaint and attend a board hearing, corrections to these matters can be made by contacting  the Corporate Services Department at 403-752-3322. 
     
    You do not have the right to make a complaint about any tax rate or past assessment years.
     
    How do I file a complaint?
     
    Provincial Legislation and City Bylaws outline how complaints must be made
    • Your complaint must be submitted on the “Assessment Review Board Complaint Form” and the form must be completed in full
    • You must be the assessed owner. An Agent may file a complaint on your behalf if you, the assessed owner, complete an “Agent Authorization” form
    • Your complaint must explain why you think the information or assessed value shown on your Assessment Notice or Tax Notice is incorrect
    • You must include the correct information. If you disagree with the assessed value, you must include what you believe is the assessed value
    • The complaint form and required fee, payable to the Town of Raymond, (see Assessment Review Bylaw) must be received together by the Assessment Review Board office no later than 4:30 pm on the deadline date indicated on your assessment notice.  Late complaints are not valid and will not be heard.  Electronic mail and faxed complaints will not be accepted. This time limit is legislated and cannot be extended. 
    Filing fees are charged per roll number for the filing of complaints to the Assessment Review Board.
     
    The filing fee will only be refunded when there is a change made to the issue under complaint.  The refund will be issued to the name of the applicant or company that filed the initial complaint. 
     
    Attach a copy of the Assessment Notice to facilitate the process and ensure accuracy.
     
    Mail or Deliver the Complaint form and required fee to:
     
    Assessment Review Board Clerk
    15 Broadway South
    Box 629
    Raymond, AB, Canada, T0K 2S0
     
     
    What is the relationship between “tax” and “assessment”?
     
    Too often, the terms “assessment” and “taxation” are considered to be interchangeable.  However, assessment and taxation are very different.  Although one impacts the other, each is a distinct and independent process. 
     
    Assessment is the process of placing a dollar value on a property for taxation purposes.  This value is used to calculate the taxes charged to the owner of the property. 
     
    Taxation is the process of applying a tax rate to a property’s assessed value to determine the taxes payable by the owner of the property.  That being said, you cannot file a complaint about your taxes, only your assessment. 
     
    For information regarding your assessment, please contact the Corporate Services Department at 403-752-3322.

     

    Deadline for Filing a Complaint?
     
    The final date for a complaint is indicated on the Assessment Notice:  60 days from the mailing of the notice.
     
    This time limit is legislated and cannot be extended.
     
    The complaint form and required fee, payable to the Town of Raymond, must be received together by the Assessment Review Board office no later than 4:30 pm on the deadline date indicated on your assessment notice.  Late complaints are not valid and will not be heard.  Electronic mail and faxed complaints will not be accepted.
     
    Where can I get a Complaint Form?
     
    Additional complaint forms and publications are available for the taxpayer on the Government of Alberta Municipal Affairs website.
     
    Tax Agents?
     
    An agent may not file a complaint or act for an assessed person or taxpayer at a hearing unless the assessed person or taxpayer has prepared and filed with the clerk or administrator an Assessment Complaints Agent Authorization Form
     
    Mail or Deliver the Complaint form and required fee to:
     
    Assessment Review Board Clerk
    Box 629
    Raymond, AB, Canada, T0K 2S0
     
    If you are in the process of working with the assessment department regarding your assessment the Complaint Form and required fee must still be submitted. The appeal can be withdrawn by filling out the Withdrawal Form if a decision is made prior to the hearing date.
     
    What happens after I file a complaint?
     
    An Assessment representative may contact you to review your file and the reason for your complaint. If necessary, the representative may arrange to re-inspect your property.   A “Notice of Hearing” letter will be mailed to the complainant, the owner (if different than the complainant) and the Town Assessor stating the date, time and location of your hearing as well as legislated disclosure timelines. 
     
    Timelines for Disclosure of Evidence:
     
    Type of Board Complaint
    Disclosure
    Respondent Disclosure Complainant
    Rebuttal
    Local Assessment Review Board (LARB)* At least 21 days before the hearing date At least 7 days before the hearing date At least 3 days before the hearing date
    Composite Assessment Review Board (CARB)** At least 42 days before the hearing date At least 14 days before the hearing date At least 7 days before the hearing date

     

    *Local Assessment Review Board – hears matters shown on assessment notice for residential property with three or less dwellings and farmland.
     
    **Composite Assessment Review Board – hears all other matters.
     
    Please read your entire Notice of Hearing letter for important information regarding your hearing. 

     

     

     

    How to Prepare for Your ARB Hearing

    Your goal is to show proof to the board that the assessment of your property is not a fair estimate of the price your property would sell for on the market, or is not a fair estimate when compared to properties of similar value.  Remember, market value is not defined as the exact selling price of a property, but the most reasonable selling price.  Similar properties rarely sell for the same price.  However, the sale prices for similar properties will likely fall within a range of prices.  The market value of your property is within that range.
    Make sure that you have enough information to demonstrate to the Board that your property is similar to those you have selected as comparable properties and the assessed value of your property differs significantly from those properties.
    Consider the following for your presentation:
    • Explain in detail the grounds for your complaint
    • Appraisals or assessments of similar properties located in your neighbourhood
    • If you have discussed the matters of the complaint with an assessor, be sure to include a statement specifying the date and outcome of the discussion including details of any issues or facts agreed to. If you have not discussed the matters of the complaint with an assessor, specify why a discussion was not held.
    • Repair estimates from a reputable contractor from physical problems (foundation is cracked, roof leaks, etc). Keep in mind not every defect will lower the value of your property. Some defects result from normal wear and tear and/or aging of your property.
    • Estimates of your property’s value in the current market from a professional appraiser or realtor
    • Look for sales data on properties similar to yours (size, age) that sold close to July 1 of the previous year
    • In presenting comparisons between your property and other similar and/or comparison properties, compare features such as services, landscaping, number and size of bathrooms, basement finishing’s, fireplaces, garage/carports, outbuildings, repairs and environmental problems
    • For condo units, compare features such as the floor your unit is on, view, corner, inside or end unit, floor plan, parking, elevators and building services
    • Photographs of your property or business and other properties or businesses you are using as comparisons provide valuable support for a verbal description (photos will not be returned)
    • Maps are helpful to locate properties used in comparisons
    • You may have witnesses appear on your behalf
    • You may hire someone to represent you at the hearing (e.g., a tax agent or lawyer) or you may bring a friend or family member to assist you
    • You may want to attend a hearing beforehand to see how the process works.  Hearings are open to the public
    • Refer to publications to assist you with the complaint process
    • One hour is allotted for residential hearings
    Don’t assume the assessor knows why you are unhappy with the assessment.  Contact Benchmark Assessment Consultants at 403-381-0535 or 800-633-9012 and explain why you think your assessment is unfair or inaccurate as per the information you have gathered.  The assessor can change an assessment and issue a new notice if he/she agrees the original notice is not accurate.  In that case, you would not need to proceed with a hearing.
    You may hire someone to represent you at the hearing (tax agent or lawyer) or you may bring a friend or family member to assist you. You may have someone appear on your behalf at the Hearing.  If you do, a letter of authorization is required. Agent Authorization Form

    Disclosure of Evidence
    Timelines are legislated and cannot be extended.
    Prior to the hearing, all evidence must be submitted to the ARB Office and exchanged in its entirety, by both the Complainant and the City Assessor.  Please note six (6) hard copies of any written evidence/information are required.  This helps the hearing to proceed fairly and without unnecessary delays.  By sharing information, both you and the assessor will have a better understanding of how to present your case to the Board.  It is also another opportunity for you and the assessor to resolve the issue before the hearing.
    Timelines for Disclosure of Evidence:
    Type of Board Complaint
    Disclosure
    Respondent
    Disclosure
    Complainant
    Rebuttal
    Local Assessment Review Board (LARB)* At least 21 days before the hearing date At least 7 days before the hearing date At least 3 days before the hearing date
    Composite Assessment Review Board (CARB)** At least 42 days before the hearing date At least 14 days before the hearing date At least 7 days before the hearing date
    *Local Assessment Review Board – hears matters shown on assessment notice for residential property with three or less dwellings and farmland.

    **Composite Assessment Review Board – hears all other matters.

    Please read your entire Notice of Hearing letter for important information regarding your hearing. 

    Mail or Deliver Evidence to:
    Assessment Review Board Clerk
    15 Broadway South
    Box 629
    Raymond, AB, Canada, T0K 2S0
    The Day of the Hearing
    You will be introduced to the Board members and assessor.  The Hearing will begin and you will present your evidence first.  The Board and the assessor may ask you questions. Be as specific as possible.
    Following your presentation, the assessor will defend the assessment.  You may ask questions about the assessor’s information.  The Board may also question the assessor.
    At the close of the Hearing, you and the assessor will be asked to summarize your positions.
    The ARB Board’s Decision
    After the hearing is complete the Board will discuss all evidence presented and will make a decision regarding your complaint. The Board may render its decision verbally or you will receive written notification within 30 days of the Board’s decision and the reasons forming that decision.
    Appeal of the ARB Decision
    Any decision made by the Assessment Review Board may be appealed to the Court of Queen’s Bench within 30 days after persons notified of the hearing receive the decision.
    Both you and the Town have the right to appeal a decision of the Assessment Review Board to the Court of Queen’s Bench.  An application to appeal must be filed with the Court of Queens’s Bench within 30 days after the receipt of the ARB decision.
    You should note that any decision made by the ARB is for the current year’s assessment only.
    What will happen if I don’t attend the Hearing?
    Attendance is not mandatory.  However, it is recommended as you may wish to cross-examine witnesses and respond to arguments or objections made.
    We urge you to attend your hearing as your complaint can be made stronger if you are present and available to answer any questions the Board may have.  However, if you do not attend the hearing will still take place.  The information that you have submitted will be read on your behalf.
    Instead of attending, you may file a written presentation with the Clerk of the Assessment Review Board.  Written presentations for LARB must be received at least three (3) days before the hearing. Written presentations for CARB must be received seven (7) days before the hearing.
    We ask, as a courtesy, that you provide us with five copies of your written presentation and a letter indicating you will not be attending at least 24 hours prior to your hearing.
    Postponement of Hearings
    Postponements will only be granted for exceptional circumstances and must be requested in writing (not verbally or by phone) to the ARB Office well in advance of the scheduled hearing.  Requests when the disclosure is due or on the hearing day (or within a close timeframe) will not be granted.
    What if my concerns are resolved before my Hearing Date?
    Should you reach an agreement with the Assessment and Taxation Department before your hearing date, it is not necessary for you to attend the hearing.  Please be sure to complete the necessary withdrawal form with the Assessment and Taxation Department prior to your hearing date.
    If you wish to withdraw your complaint, a withdrawal form must be signed prior to your scheduled Hearing date.
    If a complainant withdraws their complaint on agreement with the Assessor, the complainant must notify the Assessment Review Board (ARB) Clerk of their intention to withdraw by completing the withdrawal form.   Notice of withdrawal must be received three (3) business days prior to the hearing date in order for the ARB Clerk to refund complaint fees.

     

     

     

    Other Information Sources

    Regulations, Acts, Bylaw, and Websites

     
    Top 10 Things to Know about the Assessment Review Board 
     

    1. Your appeal will be heard by the Assessment Review Board. This is an impartial panel comprised of Town Council, who have a variety of experience.
    2. The Board receives administrative support from the Assessment Review Board Clerk. The Clerk is the primary link between you and the Board.
    3. If your complaint is regarding the assessed value of the property, it your responsibility to prove to the Board that your assessment is incorrect.  You may want to consider submitting the assessments of comparable properties. Assessment comparables can be found through a number of sources including through your municipality.
    4. You will receive a “Notice of Hearing” letter telling you of the date, time and place that the Board will hear your complaint. Your attendance at the hearing is not mandatory. However, it is recommended as the Board may have questions about the information you have submitted with your appeal.
    5. The Notice of Hearing letter will explain the process you must follow to exchange information about your appeal. You must provide all information that you intend to use at your hearing – the Board is not permitted to consider any information that has not been disclosed properly. All deadlines/timelines are legislated
    6. The Board can hear complaints for the current assessment year only. They may not hear complaints regarding tax rates or service levels provided by the Municipality.
    7. The hearing procedure will be outlined by the Board Chair at the start of hearing. Within 30 days of the hearing the Board will issue a written decision.
    8. The Board’s decision may not be based on stories, emotions or personal views.
    9. The Board can decide to dismiss your complaint, make a change to your assessment notice (increase or decrease) or decide that no change is required.  An ARB Decision can be appealed to the Court of Queen’s Bench.
    10. If you are successful in your appeal, your assessment complaint fees will be refunded.

     

    Contact Us

    Box 629, Raymond, Alberta T0K 2S0

    Ph: 403-752-3322
    Fax: 403-752-4379
    contact@raymond.ca

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