DOCSLIB.ORG

1999 Annual Report: Bridging Into the Future State of California

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
1999 Annual Report: Bridging Into the Future State of California Golden Gate University School of Law GGU Law Digital Commons California Agencies California Documents 1999 1999 Annual Report: Bridging Into the Future State of California. Department of Financial Institutions Follow this and additional works at: http://digitalcommons.law.ggu.edu/caldocs_agencies Part of the Other Law Commons Recommended Citation State of California. Department of Financial Institutions, "1999 Annual Report: Bridging Into the Future" (1999). California Agencies. Paper 152. http://digitalcommons.law.ggu.edu/caldocs_agencies/152 This Cal State Document is brought to you for free and open access by the California Documents at GGU Law Digital Commons. It has been accepted for inclusion in California Agencies by an authorized administrator of GGU Law Digital Commons. For more information, please contact [email protected]. Bridging into the Future CALIFORNIA DEPARTMENT OF FINANCIAL INSTITUTIONS BRIDGING DEPARTMENT OF FINANCIAL INSTITUTIONS 1999 ANNUAL REPORT DEPARTMENT INTO THE FUTURE 1999 Annual Report MISSION STATEMENT The mission of the California State Department of Financial Institutions is to serve the people of the State of California by providing the best, highest-quality, state-of-the-art supervision of the State Regulatory and Supervision System for commercial banking, savings and loan associations, credit unions, industrial loan companies (thrift and loans), trust companies and special licensees (issuers of travelers checks and money orders and trans- miters of money abroad). Such supervision and regulation should: 0 Provide leadership in regulatory matters; 0 Maintain the safety and soundness of a strong and competitive financial services system; 0 Be responsive to the needs of its licensees; 0 Protect the interests of depositors, creditors, customers and security holders of licensees; and 0 Be performed in an efficient, quality-conscious, cost-effective, competitive and businesslike manner. 1999 ANNUAL REPORT 1 TABLE OF CONTENTS Commissioner’s Comments . .7 Credit Unions . .65 Highlights of 1999 . .12 Financial Data as of December 31, 1999 . .65 Department Activities . .14 Profile of Credit Unions . .67 Consumer Services . .14 Selected Financial Data as of December 31, 1999 . .68 Accreditation . .15 Roster . .77 Examination Program . .16 Thrift and Loan Associations . .85 Division of Credit Unions . .17 Financial Data as of December 31, 1999 . .85 Technology . .17 Profile of Thrift and Loan Associations . .87 Training . .17 Selected Financial Data as of December 31, 1999 . .88 Assessments . .18 Roster . .89 Surveys . .18 Premium Finance Companies . .90 Legislation and Regulations . .19 Selected Financial Data as of December 31, 1999 . .90 Executive Committee . .23 Roster . .92 Organization Chart . .24 Trust Companies . .94 Statement of the Financial Institutions Fund . .26 Selected Financial Data as of December 31, 1999 . .96 Statement of the Credit Union Fund . .27 Roster . .97 Department of Financial Institutions Roster . .28 Foreign Banks . .98 State of the Industry . .33 Financial Data as of December 31, 1999 . .98 Structure Activity Report . .36 Selected Financial Data as of December 31, 1999 .100 State-Chartered Banks . .36 Roster . .103 Credit Unions . .38 Savings and Loan Associations . .108 Industrial Loan Companies . .40 Financial Data as of December 31, 1999 . .108 Thrift and Loan Associations . .40 Profile of State-Chartered Savings and Loan Associations . .110 Premium Finance Companies . .41 Selected Financial Data as of December 31, 1999 .111 Trust Companies and Departments . .42 Roster . .111 Foreign Banks . .43 Special Licensees . .112 Savings and Loan Associations . .45 Roster . .112 Special Licensees . .46 Business and Industrial Development Liquidations Pending . .47 Corporation . .115 State Chartered Banks . .48 Roster . .115 Financial Data as of December 31, 1999 . .48 Profile of State Chartered Banks . .50 Selected Financial Data as of December 31, 1999 . .51 Roster . .58 1999 ANNUAL REPORT 5 COMMISSIONER’S COMMENTS IN GENERAL 1999 witnessed the dawn of a new century and, for me, marked a complete year as Acting Commissioner of the Department of Financial Institutions (DFI). Despite the worries about whether computers would be able to recognize the Year 2000 (Y2K),I am pleased to report the transition was made satisfactorily. During 1999, the Y2K problem continued as a significant concern to the financial services industry and its regulators. DFI devoted significant resources to programs Jan Lynn Owen designed to ensure that licensees dealt with the problem, and worked cooperatively with federal and other state agencies in this endeavor. We worked diligently on assuring that our in-house computers were Y2K compliant. During the month of November I participated in a Y2K media event sponsored by the Federal Reserve Bank of San Francisco and the Federal Deposit Insurance Corporation. These meetings were held in both Los Angeles and San Francisco. Panelists were Donna Tanoue, Chairman of the FDIC, Robert Parry, President of the Federal Reserve Bank of San Francisco, and myself. The press directed questions to the panel concerning Y2K preparedness in the banking system. For much of the world the millennium rollover was a non-event. However, this was due to the tremendous amount of hard work and effort directed at identifying and correcting potential problems before they had a chance to adversely affect the industry and public. While Y2K was a non-event, it was a non-event created by the effort of the staffs of licensees, federal regulators, DFI, and other agencies. I wish to extend to them my sincere gratitude for that effort. As a matter of departmental pride I am pleased to report the accreditation of DFI by both the National Association of State Credit Union Supervisors, and the Conference of State Bank Supervisors. Accreditation by these professional associations demonstrates that DFI meets or exceeds stringent national regulatory standards, and shows the high quality of the regulatory supervision that DFI provides. In order to maintain our level of proficiency DFI employed fifteen new staff members in 1999. We have also taken steps to adopt a continuous testing program to ensure that our recruitment efforts keep pace with the competition to employ excellent candidates. Acting Commissioner Jan Lynn Owen (right) joined FDIC Chairman Donna Tanoue and Federal Reserve Bank of San Francisco President Robert Parry on a Y2K Panel at the Federal Reserve Bank of San Francisco in November 1999. 1999 ANNUAL REPORT 7 COMMISSIONER’S COMMENTS LICENSEES IN THE COMMUNITY DFI serves the ethnically and financially diverse population of our state by licensing and regulating providers of financial services in a variety of industry segments. Licensees under these programs range from large sophisticated corporations to very small family businesses. For example, DFI regulates issuers of payment instruments (money orders) and travelers checks, as well as a licensee called a transmitter of money abroad. Many of these companies are licensed in more than one of these programs.The 68 licensees of these instruments employ over 11,000 California agents. These licensees provide extremely valuable services to many California consumers. Many of the agents of these licensees are located in areas where banking offices have been closed. Because the financial instruments issued by these entities are not federally insured, the responsibility for protecting the public from economic loss is high. Most users of money orders are persons who either choose not to use a bank, or who have no access to banking facilities. The 12 issuers of payment instruments and their agents sold in excess of $76 billion during 1999, with a sizeable annual growth of 13.5%. The transmitters of money abroad statutes date to the early 1900’s when they were established to address a specific need at the time for “immigrant banking”. They have been in continuous service since then. Currently there are 49 such licensees. Sales in 1999 exceeded $3 billion and represented an annual growth of 19.2%. Their clients transmitted funds globally, with major destinations for the funds being Poland, Mexico, the Philippines,Vietnam and Central America. Other destination points include India, Pakistan, Sri Lanka and Bangladesh. The importance of the small business community to the state and national economies is widely recognized. In the United States, small businesses represent 99.7% of all employers and employ 53% of the private nonfarm workforce. They account for 47% of all sales in the country and are responsible for 51% of the private gross domestic product. In order to survive, small businesses must have access to credit, and a key supplier of credit to small firms is the commercial banking system. Some 67% of all small firms that borrow from traditional sources do so from commercial banks. Of a total of $668 billion in small business credit outstanding from traditional sources, commercial banks supplied 54%, a much larger share than the 13% supplied by finance companies, the next most prominent lender. In recent studies, small-business-friendly banks were more profitable compared to banks that made few small business loans. I am pleased to report that state-chartered banks accounted for six of the top ten small business lenders in California, according to the most recent information available from the Small Business Administration. 8 CALIFORNIA DEPARTMENT OF FINANCIAL INSTITUTIONS COMMISSIONER’S COMMENTS LICENSEE PERFORMANCE IN 1999 The depository institutions
Load more

Recommended publications
  • A Requiem for Sam's Bank
    Chicago-Kent Law Review Volume 83 Issue 2 Symposium: Rethinking Payments in Article 18 Law April 2008 A Requiem for Sam's Bank Ronald J. Mann Follow this and additional works at: https://scholarship.kentlaw.iit.edu/cklawreview Part of the Law Commons Recommended Citation Ronald J. Mann, A Requiem for Sam's Bank, 83 Chi.-Kent L. Rev. 953 (2008). Available at: https://scholarship.kentlaw.iit.edu/cklawreview/vol83/iss2/18 This Article is brought to you for free and open access by Scholarly Commons @ IIT Chicago-Kent College of Law. It has been accepted for inclusion in Chicago-Kent Law Review by an authorized editor of Scholarly Commons @ IIT Chicago-Kent College of Law. For more information, please contact [email protected], [email protected]. A REQUIEM FOR SAM'S BANK RONALD J. MANN* INTRODUCTION Wal-Mart's application to form a bank ignited controversy among dis- parate groups, ranging from union backers to realtors' groups to charitable organizations.' The dominant voices, though, were those of independent bankers complaining that the big-box retailer would drive them out of busi- ness. Wal-Mart denied any interest in competing with local banks by open- ing branches, 2 claiming that it was interested only in payments processing. Distrusting Wal-Mart, the independent bankers urged the Federal Deposit Insurance Corporation (FDIC) to deny Wal-Mart's request and lobbied state and federal lawmakers to block Wal-Mart's plans through legislation. Ultimately, Wal-Mart withdrew its application, concluding that it stood little chance of overcoming the opposition. The controversy dovetails with a banking regulatory concern about the existing system for supervising commercial firms that own non-traditional banks.
    [Show full text]
  • Department of Financial Institutions
    DEPARTMENT OF FINANCIAL INSTITUTIONS SUMMARY OF PENDING APPLICATIONS AS OF JUNE 2007 APPLICATION TYPE PAGE NO. BANK APPLICATION NEW BANK 1 CONVERSION TO STATE CHARTER 5 MERGER 5 ACQUISITION OF CONTROL 6 PURCHASE PARTIAL BUSINESS UNIT 6 PURCHASE OF WHOLE BUSINESS UNIT 6 SALE OF PARTIAL BUSINESS UNIT 7 FINAL ORDER (FINANCIAL CODE SECTION 1913) 7 NEW BRANCH 7 NEW PLACE OF BUSINESS 15 NEW EXTENSION OFFICE 19 HEAD OFFICE RELOCATION 19 BRANCH OFFICE RELOCATION 20 PLACE OF BUSINESS RELOCATION 22 EXTENSION OFFICE RELOCATION 23 DISCONTINUANCE OF BRANCH OFFICE 23 DISCONTINUANCE OF PLACE OF BUSINESS 23 APPLICATION PURSUANT TO SECTION 772 25 APPLICATION PURSUANT TO SECTION 3580 25 CHANGE OF NAME 25 ERRATA 25 INDUSTRIAL BANK APPLICATION CONVERSION TO STATE CHARTER 26 FINAL ORDER (FINANCIAL CODE SECTION 1913) 26 NEW BRANCH 26 NEW PLACE OF BUSINESS 26 DISCONTINUANCE OF BRANCH OFFICE 26 DISCONTINUANCE OF PLACE OF BUSINESS 27 PREMIUM FINANCE COMPANY APPLICATION NEW PREMIUM FINANCE COMPANY 27 ACQUISITION OF CONTROL 28 HEAD OFFICE RELOCATION 29 TRUST COMPANY APPLICATION NEW TRUST COMPANY 29 DISCONTINUANCE OF PLACE OF BUSINESS 29 FOREIGN (OTHER NATION) BANK APPLICATION NEW OFFICE 29 RELOCATION 30 DISCONTINUANCE OF OFFICE 30 ii SUMMARY OF PENDING APPLICATIONS AS OF JUNE 2007 APPLICATION TYPE PAGE NO. FOREIGN (OTHER STATE) BANK APPLICATION NEW FACILITY 30 RELOCATION 31 DISCONTINUANCE OF FACILITY 31 CREDIT UNION APPLICATION NEW CREDIT UNION 31 CONVERSION TO STATE CHARTER 32 MERGER 32 NEW BRANCH OF FOREIGN (OTHER STATE) CREDIT UNION 33 CHANGE OF NAME 33 ERRATA 33 TRANSMITTER OF MONEY ABROAD APPLICATION NEW TRANSMITTER 34 ACQUISITION OF CONTROL 34 VOLUNTARY SURRENDER OF LICENSE 34 1 BANK APPLICATION NEW BANK Filed: 5 Approved: 12 ACCESS BUSINESS BANK 7700 Irvine Center Drive, Irvine, Orange County Correspondent: Tom S.
    [Show full text]
  • The Chinese in Hawaii: an Annotated Bibliography
    The Chinese in Hawaii AN ANNOTATED BIBLIOGRAPHY by NANCY FOON YOUNG Social Science Research Institute University of Hawaii Hawaii Series No. 4 THE CHINESE IN HAWAII HAWAII SERIES No. 4 Other publications in the HAWAII SERIES No. 1 The Japanese in Hawaii: 1868-1967 A Bibliography of the First Hundred Years by Mitsugu Matsuda [out of print] No. 2 The Koreans in Hawaii An Annotated Bibliography by Arthur L. Gardner No. 3 Culture and Behavior in Hawaii An Annotated Bibliography by Judith Rubano No. 5 The Japanese in Hawaii by Mitsugu Matsuda A Bibliography of Japanese Americans, revised by Dennis M. O g a w a with Jerry Y. Fujioka [forthcoming] T H E CHINESE IN HAWAII An Annotated Bibliography by N A N C Y F O O N Y O U N G supported by the HAWAII CHINESE HISTORY CENTER Social Science Research Institute • University of Hawaii • Honolulu • Hawaii Cover design by Bruce T. Erickson Kuan Yin Temple, 170 N. Vineyard Boulevard, Honolulu Distributed by: The University Press of Hawaii 535 Ward Avenue Honolulu, Hawaii 96814 International Standard Book Number: 0-8248-0265-9 Library of Congress Catalog Card Number: 73-620231 Social Science Research Institute University of Hawaii, Honolulu, Hawaii 96822 Copyright 1973 by the Social Science Research Institute All rights reserved. Published 1973 Printed in the United States of America TABLE OF CONTENTS FOREWORD vii PREFACE ix ACKNOWLEDGMENTS xi ABBREVIATIONS xii ANNOTATED BIBLIOGRAPHY 1 GLOSSARY 135 INDEX 139 v FOREWORD Hawaiians of Chinese ancestry have made and are continuing to make a rich contribution to every aspect of life in the islands.
    [Show full text]
  • US Accounts in 24 Hours
    U.S. Accounts In 24 Hours - eBook Thank you for purchasing our featured "U.S. Accounts In 24 Hours" eBook / Online Information Packet offered at our web site, U.S. Account Setup.com Within our featured online information packet, you will find all of the resources, tools, information, and contacts you'll need to quickly & easily open a NON-U.S. Resident Bank Account within 24 hours. You'll find lists of U.S. Banks, Account Application Forms, Information on how to obtain a U.S. Mailing Address, plus so much more. Just point and click your way through our Online Information Packet using the links above. If you should have any questions or experience any difficulties in opening your Non-U.S. Resident Account, please feel free to email us at any time, and one of our representatives will get back with you promptly. For Support, Email: [email protected] Homepage: www.usaccountsetup.com Application Forms UPDATE - E-TRADE'S NEW ACCOUNT OPENING POLICIES Etrade is changed the rules in which they open International Banking/ Brokerage accounts for foreigners. They now require all new applications be submitted to the local branch office in your region. Once account is opened, you will be able to use it as a U.S. Bank/Brokerage Account out of your home country. Below, you will find a list of International Etrade Phone Numbers & Addresses. Contact the etrade office that best reflects where you reside or would like your account based out of and where you would like to receive your debit card. U.S.
    [Show full text]
  • Directory of the Exchange®Atm Locations in Canada
    DIRECTORY OF THE EXCHANGE®ATM LOCATIONS IN CANADA SUMMER 2006 YOUR ATM NETWORK TABLE OF CONTENTS Alberta ......................................................................................................1 British Columbia .......................................................................................2 Manitoba.................................................................................................14 New Brunswick.......................................................................................15 Newfoundland.........................................................................................18 Nova Scotia ............................................................................................20 Ontario....................................................................................................24 Prince Edward Island..............................................................................37 Quebec...................................................................................................39 Saskatchewan ........................................................................................57 DIRECTORY OF ATM LOCATIONS SUMMER 2006 ALBERTA Calgary Canadian Western Bank Citizens Bank of Canada HSBC Bank Canada 6606 MacLeod Trail SW 505 Third St. SW 407-8th Avenue S.W HSBC Bank Canada HSBC Bank Canada HSBC Bank Canada 212-111 3rd Ave E 95 Crowfoot Centre NW 347 - 58th Avenue SE National Bank of Canada 301 6th Avenue Sw Edmonton Canadian Western Bank HSBC Bank Canada HSBC Bank Canada 10303
    [Show full text]
  • Financial & Legal Services
    FINANCIAL & LEGAL SERVICES FINANCIAL & LEGAL FINANCIAL & LEGAL SERVICES There are specialized employment support services for various groups, such as newcomers, people with disabilities, youth, and people with barriers to employment. The services include but are not limited to assistance with resume development, preparation for a job interview, sharing job postings, etc. Some services, such as Work BC, ofer some clothing and equipment (e.g. safety shoes) to eligible clients. Banks & Credit Unions There are five big banks (the Big Five) that operate across the country: Scotiabank, TD Canada Trust, Canadian Imperial Bank of Commerce (CIBC), Royal Bank of Canada (RBC), and Bank of Montreal (BMO). All of these banks have presence in the South Okanagan-Similkameen region but only CIBC has branches in smaller communities, such as Keremeos and Princeton. Banks ofer checking and savings accounts, lines of credit, credit cards, mortgages, local and international transfers and more. One particular service that may be of interest to parents is a Registered Educations Savings Plan (RESP) for children, which federal government contributes to. Many banks ofer incentives (e.g. i-pad, TV, cash, free services for a certain period of time, etc.) for first time customers. Credit Unions are financial cooperatives controlled by customers. They use a non-profit model of governance – democratically elected volunteer board of directors. Credit Unions ofer same services as banks but have fewer products and do not have a network across the country, so if you travel or move to another region in Canada you may not have the same credit union there. Most Canadians use online banking to manage their finances – you can pay rent, utilities, credit card balances, insurances and more through an online banking platform.
    [Show full text]
  • Banker" Redirects Here
    Bank From Wikipedia, the free encyclopedia Jump to: navigation, search For other uses, see Bank (disambiguation). "Banker" redirects here. For other uses, see Banker (disambiguation). "Bankers" redirects here. For the economics book, see The Bankers. This article has multiple issues. Please help improve it or discuss these issues on the talk page. • It needs additional references or sources for verification.Tagged since July 2008. • It may require general cleanup to meet Wikipedia's quality standards. Tagged since June 2010. Banking Types of banks Central bank Advising bank Commercial bank Community development bank Credit union Custodian bank Depository bank Export credit agency German public bank Investment bank Industrial bank Islamic banking Merchant bank Mutual bank Mutual savings bank National bank Offshore bank Private bank Savings and loan association Savings bank Swiss bank Universal bank Deposit accounts Savings account Transactional account Money market account Time deposit ATM card Debit card Credit card Electronic funds transfer Automated Clearing House Electronic bill payment Giro Wire transfer Banking terms Anonymous banking Automatic teller machine Loan Money creation Substitute check List of banks Finance series Financial market Financial market participants Corporate finance Personal finance Public finance Banks and Banking Financial regulation v·d·e Finance Financial markets [show] Bond market Stock market (equity market) Foreign exchange market Derivatives market Commodity market Money market Spot market (cash market)
    [Show full text]
  • Close Industrial Loan Company Loophole
    CLOSE INDUSTRIAL LOAN COMPANY LOOPHOLE INDUSTRIAL LOAN COMPANIES: “BANKS” In the age of big data, social media and e-commerce OWNED BY COMMERCIAL COMPANIES conglomerates, this threat is greater now than it was in Industrial loan companies (ILCs) are the functional the 1930s. We should be cautious before giving these equivalent of full-service banks. They engage in companies yet more reach into the economic life of commercial and consumer lending as well as deposit Americans by allowing them to leverage ownership taking and have access to the Federal Reserve of bank-like ILCs. The integration of technology and payments system. A loophole in the Bank Holding banking firms would not only result in an enormous Company Act allows commercial companies to own concentration of financial and technological assets but or acquire ILCs, subject only to approval by the FDIC. also would pose conflicts of interest in our banking Federal law prohibits all other full-service banks, system and privacy concerns for consumers. whether federal or state chartered, from being owned What will happen when social media giants extend their by commercial companies. reach into our financial lives? Access to Americans’ The ILC charter historically been limited and may be personal, financial data—monthly paycheck direct issued by only a handful of states, though it grants the deposits, account balances, expense patterns, political power to operate nationwide. Prior to 2020, the FDIC contributions, history of late fees, transaction records, had not approved deposit insurance for a new ILC for etc.—would create a whole new level of targeted more than 10 years.
    [Show full text]
  • First Steps & Beyond – Success by 6
    First Steps & Beyond A Child Development & Resource Guide Success by 6 Credit Union Partners Central 1 Credit Union Island Savings Credit Union Aldergrove Credit Union Kootenay Savings Credit Union BlueShore Financial Lake View Credit Union First Steps Bulkley Valley Credit Union Mt. Lehman Credit Union CCEC Credit Union Nelson & District Credit Union Coast Capital Savings Credit Union North Peace Savings & Credit Union Coastal Community Credit Union Northern Savings Credit Union & Beyond Columbia Valley Credit Union Osoyoos Credit Union Community Savings Credit Union Prospera Credit Union a child development & resource guide Compensation Employees Credit Union Revelstoke Credit Union Creston and District Credit Union Salmon Arm Savings Credit Union East Kootenay Community Credit Union Sharons Credit Union Enderby & District Financial Spruce Credit Union Envision Financial Summerland & District Credit Union First Credit Union Sunshine Coast Credit Union G&F Financial Group V.P. Credit Union Grand Forks District Credit Union Valley First Greater Vancouver Community Credit Union Vancity Savings Credit Union Heritage Credit Union Vancouver Firefighters Credit Union Integris Credit Union Vantage One Credit Union Published by Success By 6 BC. This guide was Interior Savings Williams Lake & District Credit Union made possible by the generous contributions from the Credit Unions of BC. This guide is not intended to replace medical diagnosis or care but to support parents and caregivers. When needed seek additional information and resources from an appropriate medical facility, service provider or program. Some key contacts are listed at the end of this guide. introduction Congratulations on being a parent, grandparent or caregiver. table of contents You have the most important and rewarding job in the world.
    [Show full text]
  • Legislative Fiscal Bureau
    Fiscal Services Division Legislative Services Agency Fiscal Note SF 2030 - Automated Teller Machine Sales Tax Exemption (LSB 5028 XS) Analyst: Jeff Robinson (Phone: (515) 281-4614) ([email protected]) Fiscal Note Version - New Requested by Senator Pat Ward Description Senate File 2030 exempts service charges assessed by financial institutions from sales/use tax where the person being assessed the charge is a customer of the financial institution assessing the service charge. Service charges include point-of-sale purchases, automated teller machine (ATM) charges, and potentially any other service charge assessed to the customer. The Bill would take effect July 1, 2006. Background “Financial institution” is defined as a state or federal bank, credit union, savings and loan, industrial loan company, or any affiliate of one of those organizations. Under current law, service charges assessed by financial institutions against non-customers of that institution are exempt from State sales tax. This is generally limited to ATM charges assessed to persons using the ATM where the ATM is not owned by the customer’s bank. Any service charge assessed by a financial institution against a checking account of the institution’s own customer are currently subject to sales tax. This would include ATM transactions involving an ATM owned by the customer’s bank or charges for use of an ATM not owned by the customer’s bank. The same is true for point-of-sale fees, if any. Financial institutions also currently charge customers service fees for other checking account related actions, including fees to stop payments, card issuance/replacement, insufficient funds, certified checks, etc.
    [Show full text]
  • NAME CONTAINER COUNTRY Great Wisconsin CU Credit Card UNITED
    NAME CONTAINER COUNTRY Great Wisconsin CU Credit Card UNITED STATES Unify Financial Credit Card UNITED STATES Hagerstown Trust Bank UNITED STATES Swineford National Bank Bank UNITED STATES Fulton Bank (NJ) Bank UNITED STATES Peoples Bank of Elkton Bank UNITED STATES Premier One FCU Credit Card UNITED STATES American Bar Association Credit Card UNITED STATES Wescom CU Credit Card UNITED STATES DocHes Community CU - Credit Cards Credit Card UNITED STATES BrigHton Commerce Bank Bank UNITED STATES CaltecH Employees FCU Bank UNITED STATES AcHieve Financial CU Bank UNITED STATES Central One FCU Bank UNITED STATES Fort Financial CU Bank UNITED STATES Dort FCU Bank UNITED STATES My Bank (NM) Bank UNITED STATES Bank of RicHmond Bank UNITED STATES Best Buy - Credit Cards Credit Card UNITED STATES Castle Bank Bank UNITED STATES APCO Employees CU Bank UNITED STATES Busey Bank Bank UNITED STATES Bridgewater CU Bank UNITED STATES Columbia Bank Bank UNITED STATES Old Florida Bank Bank UNITED STATES Seattle Metropolitan CU Credit Card UNITED STATES Virginia CU Bank UNITED STATES Austin Bank Bank UNITED STATES Pacific Premier Bank Bank UNITED STATES Chemung Canal Trust Company Bank UNITED STATES ChipHone FCU Bank UNITED STATES Zales Credit Card UNITED STATES Beacon CU Bank UNITED STATES Central State CU Bank UNITED STATES Community Bank of Florida Bank UNITED STATES BankCHampaign Bank UNITED STATES Mabrey Bank Bank UNITED STATES Austin Telco FCU Bank UNITED STATES California Bear FCU Bank UNITED STATES Crane FCU Bank UNITED STATES Bowater Employees CU
    [Show full text]
  • 2018 CFLA National Conference the Future of Money
    CFLACONFERENCE CONGRÈS ACFL2018 September 25 -27 septembre Le Centre Sheraton, Montreal, QC Delegate Roster The future of money L’avenir de l’argent 2018 CFLA National Conference The future of money L'avenir de l'argent Alpha Listing by Company, Name ® La liste d'alpha par l'Entreprise, le Nom Total Number of Registrants : 462 ADD Capital Corp. ADD Capital Corp. Bill Patterson Dave Ralph 500 Cochrane Drive 3370 Southservice Rd. Unit 2 Burlington ON L7N 3M6 Markham ON L3R 8E2 Phone: (905) 631-8001 Phone: (905) 940-2151 Fax: (905) 632-8823 Fax: (905) 940-1434 Email: [email protected] Email: [email protected] ADD Capital Corp. Addison Leasing of Canada Ltd Shelley Saunders Brent Addison 500 Cochrane Drive 2233 Argentia Rd. Unit 2 Suite 303 Markham ON L3R 8E2 Mississauga ON L5N 2X7 Phone: (905) 940-2151 Phone: (905) 821-4739 Fax: (905) 940-1434 Email: [email protected] Email: [email protected] ADESA Canada ADESA Canada Eddy Cusan Scott Piccolo 6755 Mississauga Rd Ste 410 6755 Mississauga Road Mississauga ON L5N 7Y2 Canada Suite 410 Phone: (905) 412-0959 Mississauga ON L5N 7Y2 Fax: (855) 587-7497 Phone: (905) 412-0959 Email: [email protected] Fax: (855) 587-7497 Email: [email protected] Admiralty Leasing Inc. Admiralty Leasing Inc. Greg Boyle Jan MacDonald 791 Goldstream Ave 791 Goldstream Ave Suite 205 Suite 205 Victoria BC V8B 2X5 Canada Victoria BC V8B 2X5 Canada Phone: (250) 478-3471 Phone: (250) 478-3471 Fax: (250) 474-3475 Fax: (250) 474-3475 Email: [email protected] Email: [email protected] Aird &
    [Show full text]