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		<loc>https://www.sadc.ca/professionnels-de-la-finance/institutions-membres/surveillance-des-risques/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/financial-professionals/member-institutions/member-risk-monitoring/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/professionnels-de-la-finance/institutions-membres/surveillance-des-risques/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/financial-professionals/member-institutions/member-risk-monitoring/" />
		<lastmod>2025-09-12T20:24:17+00:00</lastmod>
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	<url>
		<loc>https://www.sadc.ca/professionnels-de-la-finance/cadre-de-financement-de-la-sadc/</loc>
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/financial-professionals/funding-framework/" />
		<lastmod>2025-09-16T19:30:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/professionnels-de-la-finance/courtiers/conformite/nouvelles-concernant-les-courtiers-fiduciaires/groupe-consultatif-sur-les-depots-de-courtiers/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/financial-professionals/brokers/compliance/updates-affecting-nominee-brokers/brokered-deposit-advisory-group/" />
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/financial-professionals/brokers/compliance/updates-affecting-nominee-brokers/brokered-deposit-advisory-group/" />
		<lastmod>2025-09-17T15:02:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.sadc.ca/wp-content/uploads/logo-groupe-consultatif-depots-courtiers.png</image:loc>
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	<url>
		<loc>https://www.sadc.ca/au-sujet-de-la-sadc/notre-histoire/</loc>
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/about/our-history/" />
		<lastmod>2025-09-17T15:11:53+00:00</lastmod>
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	<url>
		<loc>https://www.sadc.ca/nouvelles/fraudes-escroqueries/</loc>
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/news-and-events/scams-fraud/" />
		<lastmod>2025-10-02T18:12:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/au-sujet-de-la-sadc/rapports-declarations/loi-sur-lacces-a-linformation-rapport-annuel/</loc>
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/about/corporate-reporting-disclosure/access-to-information-act-annual-report/" />
		<lastmod>2025-10-06T18:18:04+00:00</lastmod>
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	<url>
		<loc>https://www.sadc.ca/au-sujet-de-la-sadc/rapports-declarations/loi-sur-la-protection-des-renseignements-personnels-rapport-annuel/</loc>
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/about/corporate-reporting-disclosure/privacy-act-annual-report/" />
		<lastmod>2025-10-06T18:20:35+00:00</lastmod>
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	<url>
		<loc>https://www.sadc.ca/nouvelles/</loc>
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/news-and-events/" />
		<lastmod>2025-11-18T13:36:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/au-sujet-de-la-sadc/rapports-declarations/assemblee-publique-annuelle/</loc>
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		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/au-sujet-de-la-sadc/rapports-declarations/assemblee-publique-annuelle/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/about/corporate-reporting-disclosure/annual-public-meeting/" />
		<lastmod>2025-11-18T21:09:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/plan-du-site/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/sitemap/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/plan-du-site/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/sitemap/" />
		<lastmod>2025-11-26T20:43:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/professionnels-de-la-finance/courtiers/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/financial-professionals/brokers/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/professionnels-de-la-finance/courtiers/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/financial-professionals/brokers/" />
		<lastmod>2025-11-28T17:33:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/deposants/ce-qui-est-protege/certificats-de-placement-garanti-cpg/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/depositors/whats-covered/guaranteed-investment-certificates-gics/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/deposants/ce-qui-est-protege/certificats-de-placement-garanti-cpg/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/depositors/whats-covered/guaranteed-investment-certificates-gics/" />
		<lastmod>2025-12-01T16:55:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-regime-enregistre-depargne-retraite-reer/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/depositors/whats-covered/deposits-held-in-a-registered-retirement-savings-plan-rrsp/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-regime-enregistre-depargne-retraite-reer/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/depositors/whats-covered/deposits-held-in-a-registered-retirement-savings-plan-rrsp/" />
		<lastmod>2025-12-01T17:14:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-fonds-enregistre-de-revenu-de-retraite-ferr/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/depositors/whats-covered/deposits-held-in-a-registered-retirement-income-fund-rrif/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-fonds-enregistre-de-revenu-de-retraite-ferr/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/depositors/whats-covered/deposits-held-in-a-registered-retirement-income-fund-rrif/" />
		<lastmod>2025-12-01T17:16:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-compte-depargne-libre-dimpot-celi/</loc>
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		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-compte-depargne-libre-dimpot-celi/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/depositors/whats-covered/deposits-held-in-a-tax-free-savings-account-tfsa/" />
		<lastmod>2025-12-01T17:19:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-regime-enregistre-depargne-invalidite-reei/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/depositors/whats-covered/deposits-held-in-a-registered-disability-savings-plan-rdsp/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-regime-enregistre-depargne-invalidite-reei/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/depositors/whats-covered/deposits-held-in-a-registered-disability-savings-plan-rdsp/" />
		<lastmod>2025-12-01T17:21:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-regime-enregistre-depargne-etudes-reee/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/depositors/whats-covered/deposits-held-in-a-registered-education-savings-plan-resp/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-regime-enregistre-depargne-etudes-reee/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/depositors/whats-covered/deposits-held-in-a-registered-education-savings-plan-resp/" />
		<lastmod>2025-12-01T17:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-compte-depargne-libre-dimpot-pour-lachat-dune-premiere-propriete-celiapp/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/depositors/whats-covered/deposits-held-in-a-first-home-savings-account-fhsa/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/deposants/ce-qui-est-protege/depots-dans-un-compte-depargne-libre-dimpot-pour-lachat-dune-premiere-propriete-celiapp/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/depositors/whats-covered/deposits-held-in-a-first-home-savings-account-fhsa/" />
		<lastmod>2025-12-01T17:40:18+00:00</lastmod>
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	<url>
		<loc>https://www.sadc.ca/deposants/ce-qui-est-protege/compte-depargne-a-taux-dinteret-eleve-ceie/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/depositors/whats-covered/high-interest-savings-account-hisa/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/deposants/ce-qui-est-protege/compte-depargne-a-taux-dinteret-eleve-ceie/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/depositors/whats-covered/high-interest-savings-account-hisa/" />
		<lastmod>2025-12-01T17:42:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/au-sujet-de-la-sadc/direction-gouvernance/comite-consultatif/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/about/management-governance/advisory-panel/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/au-sujet-de-la-sadc/direction-gouvernance/comite-consultatif/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/about/management-governance/advisory-panel/" />
		<lastmod>2025-12-03T17:39:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/professionnels-de-la-finance/institutions-membres/conformite/lois-et-reglements-administratifs/plan-prospectif-de-reglementation/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/financial-professionals/member-institutions/compliance/legislation-and-by-laws/forward-regulatory-plan/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/professionnels-de-la-finance/institutions-membres/conformite/lois-et-reglements-administratifs/plan-prospectif-de-reglementation/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/financial-professionals/member-institutions/compliance/legislation-and-by-laws/forward-regulatory-plan/" />
		<lastmod>2025-12-11T15:04:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/professionnels-de-la-finance/fournisseurs-de-service-de-paiement/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/financial-professionals/payment-service-providers/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/professionnels-de-la-finance/fournisseurs-de-service-de-paiement/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/financial-professionals/payment-service-providers/" />
		<lastmod>2026-08-05T18:52:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.sadc.ca/wp-content/uploads/PSP-FR1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.sadc.ca/wp-content/uploads/PSP-FR2.png</image:loc>
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	<url>
		<loc>https://www.sadc.ca/accessibilite/plan-sur-laccessibilite/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/accessibility/accessibility-plan/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/accessibilite/plan-sur-laccessibilite/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/accessibility/accessibility-plan/" />
		<lastmod>2025-12-15T14:43:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.sadc.ca/wp-content/uploads/Canwordmark_colour.png</image:loc>
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	<url>
		<loc>https://www.sadc.ca/accessibilite/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/accessibility/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/accessibilite/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/accessibility/" />
		<lastmod>2025-12-15T14:53:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/au-sujet-de-la-sadc/rapports-declarations/infosource/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/about/corporate-reporting-disclosure/infosource/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/au-sujet-de-la-sadc/rapports-declarations/infosource/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/about/corporate-reporting-disclosure/infosource/" />
		<lastmod>2025-12-17T14:58:55+00:00</lastmod>
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	<url>
		<loc>https://www.sadc.ca/au-sujet-de-la-sadc/partenaires/cooperation-internationale/</loc>
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		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/au-sujet-de-la-sadc/partenaires/cooperation-internationale/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/about/partners/international-cooperation/" />
		<lastmod>2025-12-22T17:46:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/faillite-dune-institution-membre/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/what-happens-in-a-failure/" />
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		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/what-happens-in-a-failure/" />
		<lastmod>2025-12-22T17:54:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/professionnels-de-la-finance/institutions-membres/dates-importantes-et-rappels/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/financial-professionals/member-institutions/key-dates-and-reminders/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/professionnels-de-la-finance/institutions-membres/dates-importantes-et-rappels/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/financial-professionals/member-institutions/key-dates-and-reminders/" />
		<lastmod>2025-12-23T21:18:21+00:00</lastmod>
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	<url>
		<loc>https://www.sadc.ca/professionnels-de-la-finance/fiduciaires/calendrier/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/financial-professionals/trustees/notification-requirements/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/professionnels-de-la-finance/fiduciaires/calendrier/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/financial-professionals/trustees/notification-requirements/" />
		<lastmod>2026-01-26T17:22:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/professionnels-de-la-finance/fiduciaires/fiduciaires-professionnels/exigences-quant-aux-donnees-des-fiduciaires-professionnels-edfp/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/financial-professionals/trustees/professional-trustees/professional-trustee-data-requirements-ptdr/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/professionnels-de-la-finance/fiduciaires/fiduciaires-professionnels/exigences-quant-aux-donnees-des-fiduciaires-professionnels-edfp/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/financial-professionals/trustees/professional-trustees/professional-trustee-data-requirements-ptdr/" />
		<lastmod>2026-01-26T17:26:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/professionnels-de-la-finance/fiduciaires/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/financial-professionals/trustees/" />
		<xhtml:link rel="alternate" hreflang="fr" href="https://www.sadc.ca/professionnels-de-la-finance/fiduciaires/" />
		<xhtml:link rel="alternate" hreflang="x-default" href="https://www.cdic.ca/financial-professionals/trustees/" />
		<lastmod>2026-01-26T19:13:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/avis-de-confidentialite/</loc>
		<xhtml:link rel="alternate" hreflang="en" href="https://www.cdic.ca/privacy/" />
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		<lastmod>2026-02-11T22:31:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.sadc.ca/deposants/videos-et-autres-ressources/faq/</loc>
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	<url>
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		<lastmod>2026-10-23T19:03:11+00:00</lastmod>
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