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FREIGHTWAYS
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100% B.C. OWNED’
BRITISH COLUMBIA SINCE 1947"

Regular Freight
(LTL) Division

HEE Company Terminals
—— Red—Direct Service
—— Broken Line—Iintertine

cen

T¥WILLIAMS

Moving & Storane

Getting your commodities to their destination and
transporting them efficiently and safely, is a
responsibility we take very seriously. When you
need reliable trucking, call us! 365-3328

av WILLIAMS

Moving & Storage

2237-6th Ave., Castlegar, B.C.

Williams Moving
the professionals

If you need to make a
move — whether long-dis-
tance or local — the people to
call are Williams Moving and
Storage (B.C.) Ltd. at 2237
6th Ave., in Castlegar.

Manager Art Coburn po-
ints out that “the Williams
professionals are skilled gra-
duates of the United Van
Lines training centre —
experts trained in all phases
of moving.”

The future looks bright for
Williams Moving with the
company contemplating
opening new
in B.C., two in Saskatchewan
and one in the Yukon.

In addition, the company
has added the “U-load/We
haul” concept of moving in
containers.

traditionally been the moving
van, today the exceptions are
Williams Moving and United
Van Lines, who are able to
offer the best of both worlds
with conventional vans and
domestic household contain-
ers anywhere in Canada and
the Yukon. ¢
Established in 1929, after
565 years of service, Williams
has nine branches -
out B.C. and three in Alberta.

transit, exclusive use and
Willsave and/or Transave
Service.

You can depend on the

EXPERTS IN MOVING . . . Williams Moving and United
Van Lines are able to offer the best of two worlds with

Although the mainstay of
the moving industry has

Williams prof —a
van line with a difference.

BANK OF
MONTREAL

STILL THE
LEADER

Progress and change in
banking used to be a slow
almost imperceptible pro-
cess. In fact, banks were
known for their staid tradi-
tional image.

With the advent of effi-
cient and relatively afford-
able computer systems 20
years ago, the banking indus-
try began to develop high
speed . Bank of
Montreal, with the introduc-
tion of an on-line real time
system in 1973, developed a
leading position in this field,
which has been maintained to
the present day.

These systems have al
lowed the bank to introduce a
host of new and innovative
services both for our com-
merical and personal clients.
Today's customers demand
and expect expert, efficient,
and courteous service, and
our staff must be able to de-
liver.

A high standard of service,
coupled with expertise rela-
tive to the many diverse ser-
vices offered to our cus-
tomers, is therefore essent-
ial, Andy Patterson, Senior
Commercial Banking Man-
ager for the West Kootenay,
said in a recent interview.

In 1983, said Patterson,
Bank of Montreal introduced
the Domestic Development
Program. This program has
seen an extensive reorgan-
ization of the bank's Cana-

tions of our personal cus-
tomers.

This major change, while
costly to the bank, was con-
sidered the only way to
achieve the degree of special-
ization needed to meet the
challenge of the 1980s in
terms of quality of service
and product knowledge.

In July 1984, the Domestic
Development Program was
completed in the West Koot-
enays, with the opening of
the West Kootenay Com-
mercial Banking Unit in
Castlegar.

Discussing the extensive
re-structuring, Patterson
said commercial banking cus-
tomers in the West Kootenay
— small and medium busi-
nesses, farmers and profes-
sionals _— continue to do
their day-to-day banking at
our eight area branches. But
through the CBU personnel,
on site at the CBU in Castle-
gar, the Grand Forks branch;
the Nelson branch; and the
main office in Trail, these
customers now have access
to a team of commercial
banking professionals, who
were chosen based on their
skills and aptitude in spec-
ialized commercial banking

services.

Over the past 18 months,
extensive training and de-
velopment of these personnel
to further increase and im
prove their commercial skills
has also been undertaken.

John Gourlay, Area Man-
ager (Domestic Banking)
West Kootenay, commented

+ that his personnel, who pro-

accounts (borrowing of
$10,000,000 and over); com-

meet the needs and expecta-

vide personal loan and non-
credit services through our
eight area branches, a per-
sonal loans centre and a pro-

| vans and the new “U load/We haul” con-

cept of moving in containers.

... vice-president

With commercial lending
no longer the responsibilit;
of branch personnel, and with

ANDY PATTERSON
. . CBU manager

both for commercial and per-

y sonal banking clients.

This allows us to respond

now handled through our
West Kootenay Processing
Centre, branch personnel
have been able to dedicate
their personal banking skills
totally to customer service.

The branch manager, who
is no longer in an office, but
out on the banking floor, is
measured on the standard of
customer service achieved,
which is his key responsib-
ility.

To this end, we have taken
the lead in extending our
banking hours and days open
to\better accommodate our

to any i

tion on a local level, and
nationally allows the bank to
set short- and medium-term
goals and develop programs
and products to meet cus
tomer priorities.

“We have noted a steadily
improved trend in customer
satisfaction from the two
surveys conducted since Jan
uary, °85,” said Patterson.
“And have been able to fine
tune our systems and met-
hods and put in place training
programs to address cus
tomer concerns.”

One of the early national

to com-

‘3 and the

ity. A regular review of ser-
vice requirements by our

Patterson also pointed out
that the non-credit service
needs of commercial custom-
ers has received priority at-
tention and our Commercial
Account Management team
who are supported by Mrs.
Kuryluk, our Commercial
Service Manager on site in
Castlegar, are uniquely posi-
tioned to meet the cash man-
agement service needs of our
commercial clients.

Increased credit approval
authority has also meant that
the vast majority of credit
decisions are finalized within
the West Kootenay, a move
intended to speed up the de-
cision making process and
allow more sensitivity to
local conditions and require-

ments saw the introduction
of fixed rate term and oper.
ating financing to our com
mercial clients in early 1985.

“Our FirstBank Operating
Account (a one account oper-
ating loan/deposit facility
with a flat fixed monthly
fee) has also been provided to
meet customer require
ments, and is unique to the
industry,” said Patterson.

In closing, both Patterson
ahd Gourlay expressed their
enthusiasm and confidence
for the long-term prospects
of the West Kootenay. As
Patterson said,“Having
worked with and gotten to
know the business and pro-
fessionals in this area, | am
confident that their dedica
tion and professionalism will
pay off for all of us.”

The West Kootenay, and
the warm and friendly people
who chose to live here have
unique and special talents

- and abilities. This may be the

organizational structure,
Patterson said that extensive

+} surveying of customers has

ization are fully achieved.

been and will be, maintained

forgotten heartland of B.C..
but more and more people
are discovering its richness,
and economic progress is
bound to follow.

WITH INVESTMENT BANKING

FBDB fills major ‘gap’ .

rapidly turning into a major
force to help new businesses
achieve high growth poten-
tial even when they don't
meet normal private sector
financing criteria, says Mike
Wilson, branch manager of
Cranbrook office.

This service is filling a sig-
nificant gap — not so much
by investing FBDB'’s own
capital, although it is em-
powered to do so, but es-
pecially by acting as a go
between with private sector

they are going to say “yes” to
& proposition.

If required, the bank will
act as an intermediary for the
client in dealing with private
sector lenders.

“do-it-yourself”
planning kits are making life
a little easier for many small
business operators. The kits
cost a nominal $10 each in-
cluding a narrative section to
explain the theory and a
series of work documents to
show how to put the theory
into be

When needed, help is read-
ily available from FBDB staff

- and other experienced coun-

writing private placements,
of

sellors. The kits mean ef-

joint ry .
to other investors

are the object of the bank's
match-making service. The
service provides a compre-
hensive referral facility — a
catalyst between small and
jmediugysized “business

fective ding of skills for
a broad cross-section of the
small to medium-sized busi-
ness sector — and at rock
bottom cost — Wilson says.
Wilson points out that
FBDB also offers a wide
variety of consultative and
business skills. services to

business people.

MIKE WILSON

ment services division bus-

UPR a
ea
she iil Hla

THEY MEAN IT... and Glenn Schneider iu
lccton Cola end wide plies.

|
;
il

i
F3

iness pr
covering over 20 topics are
menda’

offered to en'

There are both full-day and
half-day seminars available.
These courses are frequently
offered in the West Koot-
enay.

In addition FBDB offers a
series of nine management
clitties on topics related to
business operation. The clin-
ies comprise of a 15-minute
video presentation and case
study workbook.

“Minding Your Own Bus-
iness” is a four-volume series
published by FBDB. This
series give the reader infor-
mation on how to organize
and manage a business.
These books are available at
a nominal cost.

Automated Information for
Management (AIM) was de-
veloped in recognition of the
fact that the business com-
munity needed more infor-
mation about public and pri-
vate sector sources of as-
sistance.

This new electronic net-
work facilitates the quick
identification of a broad

a; |

any way possible and provide
ing any of the Bank's pro-
grams.

Its address is 30 - 11th
Avenue South, Cranbrook,

range of related ine
; mo

Boot 426-7241.

service

Schneider's stresses service

ideal but actually put them
into practice is Schneider's
Building Supplies at the
Waneta Junction in Trail.
The personal philosophy of
owner Greg Schneider is
shared by his staff, and is in

part responsible
for the success of the busi-
ness over the past 22 years.
Greg, his son Glenn (who is
assistant manager), and their
14 friendly employees pro-
vide an extremely competent
level of service and are as at
home providing assistance to
the first time do-it-yourselfer
as they are at helping the
professional! home builder or
tradesman.
The company has grown

through the years stressing since.

service to the public, fair
pricing, and an extremely

197T, the $2,000-square-foot

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good of p

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i

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