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Master Thesis Innovation Sciences
Eindhoven University of Technology MASTER Financial technology innovation in the financial services industry of Vancouver B.C. Baltissen, J. Award date: 2017 Link to publication Disclaimer This document contains a student thesis (bachelor's or master's), as authored by a student at Eindhoven University of Technology. Student theses are made available in the TU/e repository upon obtaining the required degree. The grade received is not published on the document as presented in the repository. The required complexity or quality of research of student theses may vary by program, and the required minimum study period may vary in duration. General rights Copyright and moral rights for the publications made accessible in the public portal are retained by the authors and/or other copyright owners and it is a condition of accessing publications that users recognise and abide by the legal requirements associated with these rights. • Users may download and print one copy of any publication from the public portal for the purpose of private study or research. • You may not further distribute the material or use it for any profit-making activity or commercial gain Financial technology innovation in the financial services industry of Vancouver B.C. A thesis submitted in fulfilment of the degree: Master of Science, Innovation Sciences Jip Baltissen Supervisors Eindhoven University of Technology Faculty of Industrial Engineering and Innovation Sciences Dr. Bert M. Sadowski Dr. Z.O. Nomaler Prof. dr. F. Alkemade Consulate-General of the Kingdom of the Netherlands Economic department in Vancouver B.C. Canada Barry Nieuwenhuijs – Deputy Consul General Maarten den Ouden – Trade Officer Eindhoven, August 2017 1 Preface From the end of January 2017 until June 2017, I did an internship for five months at the Consulate- General of the Kingdom of the Netherlands in Vancouver B.C., Canada. -
Agency/Company Name Contact Name Phone Email 20Th
Agency/Company Name Contact Name Phone Email 20th District, Department of Texas, The American Legion Commander Walter Geraghty, 20th District (210) 684-4189 [email protected] African American Chamber of Commerce Xavier Toson, MBA (210) 819-4726 [email protected] Alamo Area Council of Governments AACOG Gregory Galloway (210) 362-5228 [email protected] Alamo Asian American Chamber of Commerce Elva Adams (210) 701-1889 [email protected] Alamo City Black Chamber of Commerce Adrienne Vann (210) 226-9055 [email protected] Alamo Colleges Ross Mitchell (210) 485-0127 [email protected] Alamo Heights Chamber of Commerce Robert Galindo (210) 822-7027 [email protected] Alamo Regional Mobility Authority Chris Trevino (210) 335-7076 [email protected] Alpha Building Corporation Valerie Meade (210) 767-0955 [email protected] American Subcontractors Association of SA Jennifer Swinney (210) 349-2105 [email protected] American GI Forum, National Veterans Outreach Program Inc. Ruben Figueroa (210) 354-4892 [email protected] Associated Builders and Contractors, Inc. Steven Schultz (210) 342-1994 [email protected] Associated General Contractors of South Texas Lee Taylor (210) 647-0151 [email protected] Austin Commercial Bianca Sandoval (214) 443-5806 [email protected] Bartlett Cocke General Contractors Kay Dorsey (210) 655-1031 [email protected] BBVA Compass Bank Mary P. Mahlie (210) 370-6029 [email protected] Bexar Appraisal District Mark Green (210) 242-2407 [email protected] -
Connecting with the FEB
COMMUNITYConnecting with the FEB. 2018 - FEB. 2019 | VOLUME 2 Connecting with the Community Feb. 2018 – Feb. 2019 Volume 2 Table of Contents Community ............................................................................................... Section 1 Executive Summary Stats Public Safety & Education CRU Customer Programs Fairs Council Districts 1 – 10 Suburban City Outreach Marketing & Comms Managed Accounts Citizens Advisory Committee Joint Base San Antonio Environmental Stakeholder Meetings ....................................................... Section 2 Executive Summary Meetings March 21, 2018 May 4, 2018 July 17, 2018 November 27, 2018 Marketing & Comms Table of Contents (continued) Technology Partnerships ............................................................................ Section 3 Executive Summary New Energy Economy Future of Energy Symposium City of the Future Global Lecture Series Smart SA Smart SA CEO Meetings EPIcenter Global Lecture Series III Marketing & Comms Education Outreach ................................................................................... Section 4 Executive Summary Stats Intern Programs Educational Alliance Marketing & Comms Board of Trustees Vacancy Information Sessions ....................................... Section 5 FY 2019 Events Marketing & Comms Executive Summary CONNECTING WITH THE COMMUNITY XYZ OVERVIEW: Our People First foundation remains at the forefront of all we do! Each year, for the last three years, we have continued to increase the level of our outreach to our Customers -
Bad Credit Mortgage Loans San Antonio Tx
Bad Credit Mortgage Loans San Antonio Tx Reza is curable and contrive flourishingly as metallic Gustave finks unorthodoxly and beveled Socratically. Metabolic and isogeothermal Laurie poaches: which Tedrick is embracive enough? Elijah is industrialized: she costers chock-a-block and water-ski her augmentations. On the web home loans bad payday loans Georgia credit unsecured loans for. But is designed to san antonio bad mortgage credit loans provide you live in your loan process? Your loans bad credit san antonio mortgage tx and community reviews and how the nation and mortgage license shall post on your credit karma is a borrower will account and not be? We were the bad credit mortgage loans san antonio tx ready to get! Grow your city of affordable personal loan proceeds for a payday lending professional at a bad credit card information. What does not signify or, car for by clicking on and all terms by the house we deliver a credit mortgage loans bad san antonio tx, or create your options? 35 Down San Antonio Texas FHA Mortgage Lenders. Credit Builder San Antonio Citizens Federal Credit Union. How soon can make to build process, tx bad credit mortgage loans san antonio tx mortgage loans subject to? Tap your loans bad credit san antonio mortgage tx resident in your current and other charges for a bad credit explaining them well making monthly payments, tx mortgage solicitation to be! Fha loans from salary advance loan? Mortgage lenders that for families and payment options available to resolve it take. Aligned Mortgage specializes in providing affordable and effective VA loans and old mortgage options for military families and veterans in San Antonio. -
2019 DELEGATE LIST First Name Last Name Organization Niramay
2019 DELEGATE LIST First Name Last Name Organization Niramay . 1985 Chuck Lee AIMCO Stephan Dumais Air Canada Pension Investments Sean McCready Anson Advisors Inc. Hector Fernandez Crespo Banco Santander Enrique Verdu Aguilar Banco Santander, S.A Daryl Blattberg Bank of America Isabel Docal Bank of America Jerry Hubert Bank of America Merrill Lynch Zahir Antia Bank of Canada Harri Vikstedt Bank of Canada Spencer Bailey Bank of Montreal Stéphanie Jules Bank of Montreal Deborah Wise Bank of Montreal Abhinav Chandra Barclays Heather Gidaly Barclays Charles Tacopino Barclays David Jeffrey BBS SECURITIES INC. Nick Hay BlackRock Marc Kitay BMO John Mitrano BMO JINSONG WANG BMO Daniel Antchipalovski BMO Capital Markets Nick Chan BMO Capital Markets Tamy Chen BMO Capital Markets Annaleigh Greene BMO Capital Markets Kimberley Jansen BMO Capital Markets john Loynd BMO Capital Markets Jordan Lupu BMO Capital Markets Pamela Murphy BMO Capital Markets Alina Popa BMO Capital Markets MJ Schuessler BMO Capital Markets Stephanie Stoyan BMO Capital Markets Anthony Venditti BMO Capital Markets 1 of 7 5/22/2019 Melissa Kelman BMO Financial Group Chris Beswick BMO Private Investment Counsel Inc. Kathleen Cooney BNP Paribas Don De Vito BNP Paribas Robert Lakeman BNP Paribas MIKE SAUNDERS BNP PARIBAS Vincent Tieu BNP Paribas Ilkhom Babajanov BNY Mellon Eric Badger BNY Mellon Wesley Cook BNY Mellon Keith Donohue BNY Mellon Cezan Duong BNY Mellon William Kelly BNY Mellon Richard Marquis BNY Mellon Patric Ochoa BNY Mellon Taras Sidorenko BNY Mellon John Templeton BNY Mellon Ted Thresher BNY Mellon Simon Tomlinson BNY Mellon Daniel Yardin BNY Mellon Phil Zywot BNY Mellon Michael Madaio BNY Mellon | Pershing Michael Silecchia BNY Mellon | Pershing Carol Penhale Broadridge Financial Solutions Valarie Thorgerson Broadridge Financial Solutions Inc Mike Airey Broadridge Financial Solutions Inc. -
Province of Newfoundland and Labrador Approved Locked-In Retirement Income Fund Arrangements Under the Pension Benefits Act, 1997
Province of Newfoundland and Labrador Approved Locked-in Retirement Income Fund Arrangements Under The Pension Benefits Act, 1997 Trustee: Allianz Life Insurance Company of North America PRODUCTS Allianz Life Insurance Company of North America RIF 1131 Trustee: B2B Trustco PRODUCTS AGF Multifund RIF 1595 B2B Bank Financial Services Inc. RIF 594 B2B Bank Intermediary Services Inc. RIF 1584 B2B Bank RIF 1577 B2B Bank Securities Services Inc. RIF 1003 Counsel Portfolio Services Inc. RIF 1186 Harmony RIF 1597 Investors Group Financial Services Inc. (Nominee) RIF 1669 Investors Group Securities Inc. RIF 1668 Mackenzie RIF 219 Primerica Concert RIF 1596 Quadrus RIF 305 Trustee: BMO Life Assurance Company PRODUCTS BMO Guaranteed Investment Funds RIF 1606 Trustee: BMO Trust Company PRODUCTS BMO InvestorLine RIF 432 BMO Nesbitt Burns Inc. RIF 089 BMO RIF 076 Guardian Group of Funds Ltd. Self-Directed RIF 062 The Trust Company of Bank of Montreal RIF 1028 Trustee: Canadian Western Trust PRODUCTS ATB Securities Inc. Self-Directed RIF 1322 Canadian Western Trust Company (M) RIF 1643 Canadian Western Trust Guaranteed RIF 215 Canadian Western Trust Self-Directed RIF 214 Canoe Financial General RIF 1665 LRIF LIST Tuesday, November 19, 2019 Page 1 of 9 Trustee: Canadian Western Trust PRODUCTS Hayward Securities Inc. Self-Directed RIF 1212 Leede Jones Gable Inc. Self-Directed RIF 1247 OceanRock Investments Inc. RIF 1378 Odlum Brown Limited Self-Directed RIF 201 Open Access Limited RIF 1542 Qtrade Asset Management Inc. Self-Directed RIF 1353 Qtrade Securities Inc. Self-Directed RIF 1253 Raymond James Ltd. Self-Directed RIF 1516 Worldsource Financial Management Inc. -
Fully Nnn Medical Office Building Investment
FULLY NNN MEDICAL OFFICE BUILDING INVESTMENT 16088 SAN PEDRO, SAN ANTONIO, TEXAS 78232 Teresa L. Corbin, CCIM Jim Lundblad Office: 210.366.2222 Office: 210.366.2222 Mobile: 210.241.4686 Mobile: 210.602.5401 9311 San Pedro, Suite 850 [email protected] [email protected] San Antonio, Texas 78216 endurasa.com THE PROPERTY FULLY NNN MEDICAL OFFICE BUILDING INVESTMENT 16088 SAN PEDRO, SAN ANTONIO, TEXAS 78232 This investment property offering is an opportunity for an investor to acquire an income producing medical office building on Highway 281, a major north/south commercial and commuter corridor within San Antonio. Nearby businesses include restaurants, hotels, retail, banks, self storage, assisted living facility, office parks and office buildings. The building was built in 1986 and renovated in 2012. It has excellent visibility and frontage along Hwy 281. There is an abundance of parking, (free surface parking). The 28,255 square foot medical building is 100% leased to one of San Antonio’s largest healthcare systems. The Property is nestled among many well established subdivisions. This well established area and has an estimated 2020 population of 243,817 within a five mile radius. During the last 10 years, the population grew by 16.4% within this radius and is projected to grow another 6.4% by the year 2025. The estimated households for 2020 is at 97,190 with a projected growth of 5.9% by the year 2025, totaling 102,910 households. This area is also home to 12,190 businesses within the five mile radius and has an estimated 118,329 employees. -
2021 Calendar
2021 CALENDAR 2021 HOLIDAYS IN CANADA CIBC MELLON’S CLIENT SERVICE TEAMS JANUARY FEBRUARY ACROSS CANADA WILL NOT BE AVAILABLE S M T W T F S S M T W T F S ON EACH OF THE FOLLOWING DATES, 1 2 1 2 3 4 5 6 UNLESS OTHERWISE NOTED. 3 4 5 6 7 8 9 7 8 9 10 11 12 13 January 1 New Year’s Day 10 11 12 13 14 15 16 14 15 16 17 18 19 20 (National Holiday) 17 18 19 20 21 22 23 21 22 23 24 25 26 27 CANADIAN EXCHANGES WILL BE CLOSED 24 25 26 27 28 29 30 28 January 4 In Lieu of 31 Traditional Holiday MARCH APRIL CIBC MELLON’S MONTREAL-BASED CLIENT S M T W T F S S M T W T F S SERVICE TEAMS WILL NOT BE AVAILABLE; 1 2 3 4 5 6 1 2 3 CANADIAN EXCHANGES ARE OPEN 7 8 9 10 11 12 13 4 5 6 7 8 9 10 February 15 Family Day (ON/AB/BC/SK only) 14 15 16 17 18 19 20 11 12 13 14 15 16 17 February 15 Heritage Day (Nova Scotia) 21 22 23 24 25 26 27 18 19 20 21 22 23 24 CIBC MELLON’S CLIENT SERVICE TEAMS IN 28 29 30 31 25 26 27 28 29 30 PROVINCES NOTED ABOVE WILL NOT BE AVAILABLE; CANADIAN EXCHANGES WILL BE CLOSED ON FEBRUARY 15 MAY JUNE S M T W T F S S M T W T F S April 2 Good Friday 1 1 2 3 4 5 CANADIAN EXCHANGES WILL BE CLOSED 2 3 4 5 6 7 8 6 7 8 9 10 11 12 May 24 Victoria Day 9 10 11 12 13 14 15 13 14 15 16 17 18 19 16 17 18 19 20 21 22 20 21 22 23 24 25 26 CANADIAN EXCHANGES WILL BE CLOSED 23 24 25 26 27 28 29 27 28 29 30 June 24 St. -
Operation of Account Agreement
PLEASE READ CAREFULLY AND RETAIN. 2811 (08/2019) RBC DIRECT INVESTING INC. OPERATION OF ACCOUNT AGREEMENT This booklet contains important information about your account, forms and all other agreements, forms and documents relating to including the terms of your agreement with us, details on how we your Account, whether created or executed prior to or after the date of operate your account, our Commission and Fee Schedule, and our this agreement; commitment to protecting your privacy. It also includes information on “Automated Service” means any service we provide, now or in the investor protection from the Canadian Investor Protection Fund and the future, that allows you to access your account, or future accounts, Investment Industry Regulatory Organization of Canada. Please keep a information or other services we provide, and allows you to provide copy of this booklet on file for future reference. instructions regarding your account or future accounts, by regular or CONTENTS automated telephone communications, interactive voice recognition, cellular, wireless or portable phone, mobile device, interactive device, OPERATION OF ACCOUNT AGREEMENTS fax machine, email, computer, video, intelligent terminal television, DISCLOSURE DOCUMENTS modem, Internet, online or other telecommunication or electronic communication system or other similar devices. An Automated Service Part A – Leverage Risk Disclosure includes Mobile Service. Information refers to any information you Part B – Risk Disclosure Statement for Futures and Options receive or provide -
MT BMO Covers
BANK OF MONTREAL GROUP OF COMPANIES 181ST A N N U A L R E P O R T 19 9 8 98THE YEAR EVERYTHING CHANGED PERFORMANCE FOR 1998 NET INCOME ($ millions) 1,350 1,305 1,168 986 825 709 640 Net Income up 3.5% 595 522 90 91 92 93 94 95 96 97 98 FULLY DILUTED EARNINGS PER SHARE ($) 4.62 4.66 4.13 3.38 2.97 2.55 2.31 2.36 EPS of $4.66 2.10 90 91 92 93 94 95 96 97 98 RETURN ON COMMON SHAREHOLDERS’ EQUITY (%) 17.0 17.1 15.0 14.9 15.4 15.2 14.6 14.1 14.1 ROE at 15.2% 90 91 92 93 94 95 96 97 98 ROE OBJECTIVE (15–17%) TOTAL RETURN TO SHAREHOLDERS 15.9 ($ billions) 14.6 8.8 Shareholder Value up $1.3 billion 2 Chairman’s Message 5.8 4.0 4.2 5 A Different World 2.8 13 President’s Message 1.2 (0.4) 17 Performance at a Glance 90 91 92 93 94 95 96 97 98 20 Management Analysis of Operations 68 Consolidated Financial Statements 92 Glossary 93 Corporate Governance 97 Shareholder Information BANK OF MONTREAL GROUP OF COMPANIES BANK OF MONTREAL ATAGLANCE THE BUSINESS Personal and Commercial Personal and Commercial Financial Services (PCFS) provides a full range of financial products and services to Financial Services (PCFS) about six million Canadian households and commercial businesses, with an aim of achieving an appropriate value proposition for each relationship. -
Deposit Account Services of CIBC Mellon Trust Company
APRIL 2021 Deposit Account Services of CIBC Mellon Trust Company Terms and conditions disclosure Customers who have entered into a custody or trust agreement (the “Client Agreement”) with CIBC Mellon Trust Company (“CMT”) and which use the deposit account services of CMT and CIBC Mellon Global Securities Services Company (“CIBC Mellon GSS”) in its capacity as agent of the custodian (and together with CMT, “CIBC Mellon”) are subject to the terms and conditions herein. PARTICIPATING FINANCIAL INSTITUTIONS 1. Monies administered by CIBC Mellon GSS in a custody account pursuant to a Client Agreement are referred to the deposit account of CMT, Canadian Imperial Bank of Commerce (“CIBC”), The Bank of New York Mellon (“BNY Mellon”), or any of their affiliates or related parties (collectively the “Participating Financial Institutions”). 2. Funds transferred to a Participating Financial Institution are governed by separate deposit terms, conditions and/or agreements as may be issued by such Participating Financial Institution from time to time. 3. Any deposits transferred to Participating Financial Institutions other than CMT are obligations of those Participating Financial Institutions and are not obligations of, nor guaranteed by, CIBC Mellon. 4. CIBC Mellon, in the normal course of business, may receive revenue generated in connection with deposits held by Participating Financial Institutions. CMT DEPOSIT TERMS AND CONDITIONS 5. Monies on deposit with CMT are held on behalf of the customer and the customer shall be entitled to any amount on demand. 6. The amounts maintained in a deposit account by CMT may bear interest at the rate, if any, agreed to by CIBC Mellon and the customer, from time to time. -
The Bank of New York Mellon Annual Report 2019
For more than 235 years, BNY Mellon has been a trusted steward of our clients’ business and a respected corporate citizen. With each decade comes a new era of change and, as we enter 2020, I am excited for what the future holds for our organization. In my 30-plus years with the company, we have undergone an incredible transformation. Not long ago, we were the largest retail bank in the greater New York suburban area, a large credit card player and an active participant in capital markets, leveraged loans and emerging markets. Today, we are a globally significant, broad-based services company with a low-risk balance sheet – a considerable evolution from the traditional commercial bank we once were. This spirit of transformation and innovation has been part of our DNA for more than two centuries and, now more than ever, we must continue to drive an aggressive agenda. While our growth as an organization has been noteworthy, we know there is more we need to do to continuously deliver on our promise to our shareholders. Annual Report 2019 I We feel good about our business model and portfolio of client services, and are confident in our ability to provide consistent returns to our shareholders. We take pride in our strong risk management culture, and in our digital- and technology-enabled capabilities – all of which have us well situated to provide scalable and efficient solutions to investors worldwide. As we move forward, we want to accelerate our evolution and innovation as this will ensure we are well positioned for the future and able to meet the ever-changing needs of our clients.