Michigan District Lenders Interest in PPP As of 4/27/20
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2020 Environmental, Social, and Governance Report Table of Contents
2020 Environmental, Social, and Governance Report Table of Contents About our ESG Report . 3 Environment . 49 2020 ESG Highlights . 4 Financing Renewable Energy . 50. A Message from Chris Gorman . 5 Sustainable Operations . 52 2020 Reflections . 7 . Environmental Sustainability . 53 Organizational Changes . 9 . Supply Chain and Sustainability . 54 . Stakeholder Engagement . 11 . Environmental Risk Management . 55 . Economic . .13 . Governance . 56 . Our Purpose . .14 . KeyCorp Board of Directors . 57 Corporate Profile . 15 . Risk and Oversight . 59 Awards and Recognition . 16 . Business Ethics . 62 Client Privacy and Data . 65 Social Responsibility . 17 Political Involvement and Activity . 67 . Responsible Banking . 18 . Investing in Communities . 23 ESG at Key – Going Forward . 69 . Diversity, Equity, and Inclusion . .34 . Our Pay Equity Commitment . 38 . Teammate Engagement . 43 On the cover: Miles apart, closer than ever. Teammates from Maine to Alaska showcase their KeyBank pride. For our colleagues For our clients For our communities We have implemented a range of Service is central to our culture. Through investments, lending, measures to support our teammates Key has helped thousands of clients philanthropy, and volunteerism, and their families throughout the with payment deferrals, hardship we have worked together to support pandemic, including flexible work loans, fee waivers, and most notably, our neighbors and neighborhoods arrangements, additional paid leave, our participation in the Paycheck in the communities we proudly serve. -
Gogebic Range Escapes Heavy Snowstorm
Snow possible High: 15 | Low: -2 | Details, page 2 Passion for excellence. Compassion for people. aspirusgrandview.org GV-013a DAILY GLOBE yourdailyglobe.com Thursday, December 5, 2013 75 cents Gogebic Range M O U N T Z I O N School escapes heavy consolidation snowstorm efforts continue The three-day snowstorm n W-M, Bessemer that pounded much of Minnesota residents gather hadn’t arrived on the Gogebic signatures for Range in full force as of Wednes- day afternoon. petition Although Hurley and Iron- wood school officials called off By KATIE PERTTUNEN classes at 1 p.m. on Wednesday, [email protected] the snow stopped in Ironwood BESSEMER — Petitioners around the same time and it was have until Jan. 23 to collect 112 lightly raining after that in 30- signatures from Wakefield- degree temperatures. Marenisco School District resi- The National Weather Service dents, and 140 signatures from in Duluth said as of 2 p.m. Bessemer School District resi- Wednesday, 39 inches of snow dents, Gerry Pelissero, Gogebic had fallen in Two Harbors, County Clerk said. Minn. That was the total since Proposed language for the Monday. ballot circulating on petitions Duluth had received around reads “Shall the territory of the 18 inches. following school districts; Besse- Meanwhile, Gile, Wis., had mer and Wakefield-Marenisco, received only 6.5 inches. form one school district?” Pelis- Superior recorded 12 inches sero said. and Ashland 9 inches. Pelissero said he drafted the A winter weather advisory for language due to a request from the Ironwood area remained in Michael Korpela, an attorney. -
Cra Ratings of Massachusetts Banks, Credit Unions, and Licensed Mortgage Lenders in 2016
CRA RATINGS OF MASSACHUSETTS BANKS, CREDIT UNIONS, AND LICENSED MORTGAGE LENDERS IN 2016 MAHA's Twenty-Sixth Annual Report on How Well Lenders and Regulators Are Meeting Their Obligations Under the Community Reinvestment Act Prepared for the Massachusetts Affordable Housing Alliance 1803 Dorchester Avenue Dorchester MA 02124 mahahome.org by Jim Campen Professor Emeritus of Economics University of Massachusetts/Boston [email protected] January 2017 INTRODUCTION AND SUMMARY OF MAJOR FINDINGS Since 1990, state and federal bank regulators have been required to make public their ratings of the performance of individual banks in serving the credit needs of local communities, in accordance with the provisions of the federal Community Reinvestment Act (CRA) and its Massachusetts counterpart. And since 1991, the Massachusetts Affordable Housing Alliance (MAHA) has issued annual reports offering a comprehensive listing and analysis of all CRA ratings of Massachusetts banks and credit unions. This is the twenty-sixth report in this annual series. Since 2011 these reports have also included information on the CRA-like ratings of licensed mortgage lenders issued by the state’s Division of Banks in accordance with its CRA for Mortgage Lenders regulation. As defined for this report, there were 153 “Massachusetts banks” as of December 31, 2016. This includes not only 131 banks that have headquarters in the state, but also 22 banks based elsewhere that have one or more branch offices in Massachusetts.1 Table A-1 provides a listing of the 153 Massachusetts -
In This Month's Newsletter
Data-Based Consulting Heavy Equipment Rental In this month’s newsletter: 2 Monthly Commentary and Summary 3 Recent Industry News 6 Loan Market Update & Technical Conditions Knowledge-Based Cons. Non-Heavy Equip. Rental 8 Revolver and Term Loan Recent Issuance 11 Investment Grade Bond Market Update & Outlook 13 Investment Grade Recent Bond Issuance 14 Investment Grade Debt Comparables Advertising / Marketing Facility Services 17 High Yield Bond Market Update & Outlook 19 High Yield Recent Bond Issuance 20 High Yield Debt Comparables 22 Equity Capital Markets Update & Outlook Printing Services Auction Services 24 Equity Capital Markets Relative Valuation 25 Equity Capital Markets Recent Issuance 26 Operating Statistics Diversified / Other 29 Macroeconomic Indicators 32 Current Interest Rate Environment 33 Notable Mergers and Acquisitions Activity 36 KeyCorp & KBCM Overview & Capabilities Disclosure: KeyBanc Capital Markets is a trade name under which corporate and investment banking products and services of KeyCorp and its subsidiaries, KeyBanc Capital Markets Inc., Member NYSE/FINRA/SIPC, and KeyBank National Association (“KeyBank N.A.”), are marketed. Securities products and services are offered by KeyBanc Capital Markets Inc. and its licensed securities representatives, who may also be employees of KeyBank N.A. Banking products and services are offered by KeyBank N.A. This report was not issued by our research department. The information contained in this report has been obtained from sources deemed to be reliable but is not represented to be complete, and it should not be relied upon as such. This report does not purport to be a complete analysis of any security, issuer, or industry and is not an offer or a solicitation of an offer to buy or sell any securities. -
Glimpses of Early Dickinson County
GLIMPSES OF EARLY DICKINSON COUNTY by William J. Cummings March, 2004 Evolution of Michigan from Northwest Territory to Statehood From 1787 to 1800 the lands now comprising Michigan were a part of the Northwest Territory. From 1800 to 1803 half of what is now the Lower Peninsula of Michigan and all of the Upper Peninsula were part of Indiana Territory. From 1803 to 1805 what is now Michigan was again part of the Northwest Territory which was smaller due to Ohio achieving statehood on March 1, 1803. From 1805 to 1836 Michigan Territory consisted of the Lower Peninsula and a small portion of the eastern Upper Peninsula. In 1836 the lands comprising the remainder of the Upper Peninsula were given to Michigan in exchange for the Toledo Strip. Michigan Territory Map, 1822 This map of Michigan Territory appeared in A Complete Historical, Chronological and Geographical American Atlas published by H.S. Carey and I. Lea in Philadelphia in 1822. Note the lack of detail in the northern Lower Peninsula and the Upper Peninsula which were largely unexplored and inhabited by Native Americans at this time. Wiskonsan and Iowa, 1838 Michigan and Wiskonsan, 1840 EXTRA! EXTRA! READ ALL ABOUT IT! VULCAN – A number of Indians – men, women and children – came into town Wednesday last from Bad Water [sic] for the purpose of selling berries, furs, etc., having with them a lot of regular Indian ponies. They make a novel picture as they go along one after the other, looking more like Indians we read about than those usually seen in civilization, and are always looked upon in wonderment by strangers, though it has long since lost its novelty to the residents here. -
Medical Intelligence Report Date: October 27, 2020
Medical Intelligence Report Date: October 27, 2020 KeyBank, NA, or its affiliates (“Key”) is providing these materials for informational purposes. Key has not reviewed the materials for accuracy or completeness, and the studies and research referenced may change as more information becomes available. The material is not intended as medical advice. Please consult your personal health provider if you have any questions or concerns about any symptoms you or a member of your family are experiencing and before starting any treatments discussed in the materials. Pinnacle is not an affiliate of Key. This material should in no way be considered to be a solicitation by Key for business on behalf of Pinnacle, or an endorsement of Pinnacle. Key makes no representations regarding the suitability or otherwise of the products or services provided by the Pinnacle. Any opinions, projections, or recommendations contained herein are subject to change without notice and are not intended as individual investment advice. This material is presented for informational purposes only and should not be construed as individual tax or financial advice. KeyBank does not give legal advice. Investment products are: NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY Topic: Holiday Travel during COVID-19 Overview As the normally busy holiday travel season approaches and there is evidence of rising case numbers again around the country, officials have released some specific recommendations to reduce the risk during holiday get-togethers. The highest risk for transmission of SARS-CoV-2 involves crowded, indoor events in poorly ventilated spaces, which leads to airborne-like transmission of the virus. -
Medical Intelligence Report Date: October 27, 2020
Medical Intelligence Report Date: October 27, 2020 KeyBank, NA, or its affiliates (“Key”) is providing these materials for informational purposes. Key has not reviewed the materials for accuracy or completeness, and the studies and research referenced may change as more information becomes available. The material is not intended as medical advice. Please consult your personal health provider if you have any questions or concerns about any symptoms you or a member of your family are experiencing and before starting any treatments discussed in the materials. Pinnacle is not an affiliate of Key. This material should in no way be considered to be a solicitation by Key for business on behalf of Pinnacle, or an endorsement of Pinnacle. Key makes no representations regarding the suitability or otherwise of the products or services provided by the Pinnacle. Any opinions, projections, or recommendations contained herein are subject to change without notice and are not intended as individual investment advice. This material is presented for informational purposes only and should not be construed as individual tax or financial advice. KeyBank does not give legal advice. Investment products are: NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY Topic: Update on COVID-19 Research CDC Changes Definition of Close Contact There has been an update to the definition that the CDC provided for close contact with someone who has COVID-19 (CDC_Appendix A, 2020). This change may affect how people interact with each other and change recommendations for social distancing. Previously, close contact leading to a high-risk encounter was defined as being within six feet of a person for 15 consecutive minutes or more. -
Federal Register/Vol. 80, No. 238/Friday, December 11, 2015
77124 Federal Register / Vol. 80, No. 238 / Friday, December 11, 2015 / Notices DEPARTMENT OF HOUSING AND The FY 2016 FMRs incorporate a Peter B. Kahn, Economic and Market URBAN DEVELOPMENT change in the level of statistical Analysis Division, Office of Economic reliability that allowed for an ACS Affairs, Office of Policy Development [Docket No. FR–5885–N–02] estimate to be used in the calculation of and Research, telephone 202–402–2409. FMRs. Previously, if the error of the Persons with hearing or speech Final Fair Market Rents for the Housing estimate was less than the estimate impairments may access this number Choice Voucher Program and itself, HUD used the estimate. The FY through TTY by calling the toll-free Moderate Rehabilitation Single Room 2016 FMRs use ACS estimates where Federal Relay Service at 800–877–8339. Occupancy Program and Other the size of the error is limited to half of (Other than the HUD USER information Programs Fiscal Year 2016 the estimate. An additional change to line and TDD numbers, telephone AGENCY: Office of the Assistant the FY 2016 FMRs is the incorporation numbers are not toll-free.) Secretary for Policy Development and of the February 28, 2013, Office of Electronic Data Availability: This Research, HUD. Management and Budget (OMB) Federal Register notice is available metropolitan area definition update electronically from the HUD User page ACTION: Notice of Final Fiscal Year (FY) based on the 2010 Decennial Census at http://www.huduser.gov/portal/ 2016 Fair Market Rents (FMRs). data. The 2013 ACS data are the first to datasets/fmr.html. -
KMS FSP -- Electronic Check Service (ECS) Merchant Operating Guide FV2 20150318
Electronic Check Service (ECS) Merchant Operating Guide NOTES ECS Merchant Operating Guide V2 Effective 20150318 Table of Contents Preface ............................................................................................... 1 Features and Benefits .......................................................................................................... 1 Technical Support ........................................................................................................... 1 Chapter 1: The ECS Process ............................................................... 2 Processing Options ......................................................................................................... 2 Data Delivery and Routing .............................................................................................. 3 Chapter 2: Check Conversion (POP, BOC, and ARC) ........................................................................... 5 General Policies and Procedures ........................................................................................ 5 Decline Process for ECS Transactions ............................................................................. 10 Voids/Reversals ............................................................................................................ 10 Confidentiality and Security of Customer Information ....................................................... 10 Service Level Options .................................................................................................. -
Geology of Michigan and the Great Lakes
35133_Geo_Michigan_Cover.qxd 11/13/07 10:26 AM Page 1 “The Geology of Michigan and the Great Lakes” is written to augment any introductory earth science, environmental geology, geologic, or geographic course offering, and is designed to introduce students in Michigan and the Great Lakes to important regional geologic concepts and events. Although Michigan’s geologic past spans the Precambrian through the Holocene, much of the rock record, Pennsylvanian through Pliocene, is miss- ing. Glacial events during the Pleistocene removed these rocks. However, these same glacial events left behind a rich legacy of surficial deposits, various landscape features, lakes, and rivers. Michigan is one of the most scenic states in the nation, providing numerous recre- ational opportunities to inhabitants and visitors alike. Geology of the region has also played an important, and often controlling, role in the pattern of settlement and ongoing economic development of the state. Vital resources such as iron ore, copper, gypsum, salt, oil, and gas have greatly contributed to Michigan’s growth and industrial might. Ample supplies of high-quality water support a vibrant population and strong industrial base throughout the Great Lakes region. These water supplies are now becoming increasingly important in light of modern economic growth and population demands. This text introduces the student to the geology of Michigan and the Great Lakes region. It begins with the Precambrian basement terrains as they relate to plate tectonic events. It describes Paleozoic clastic and carbonate rocks, restricted basin salts, and Niagaran pinnacle reefs. Quaternary glacial events and the development of today’s modern landscapes are also discussed. -
“Promoting Our Strengths” Workgroup Meeting Notes Gogebic Community College November 10, 2009 6:00 PM
“Promoting Our Strengths” Workgroup Meeting Notes Gogebic Community College November 10, 2009 6:00 PM Present Will Andresen, Jessica Bolich, Lou Bonagaro, Lisa Heberling, Toni Sendra Leadership The group selected Lisa Heberling to be the new work-group leader. Lisa reviewed the results of the Michigan Cool Cities survey and the Gogebic Range Location Decision Making survey and noted that the purpose of the work-group is to promote the positive factors of the community that are desired by many of today’s young people, including scenic beauty, safe streets, affordability, low traffic, close to family/friends and walkable streets. She also said that a 2006 survey in Minoqua also demonstrated that young people are looking for these types of community attributes in deciding where to live. Web Design Process Survey The group began the work of designing the web-site by answering the following process questions requested from Regal Creative web-site designers: 1. Why do you want a web-site? To promote our area as a place to live, especially promoting our nature-based outdoor recreation niche and our core community factors (e.g. safety, affordability, place to raise a family). We chose the internet to promote these factors because it is well-used by our target market of 18 to 39 year olds 2. What is your audience? 18-39 year olds, especially those interested in nature-based outdoor recreational activities 3. What objectives do you hope to accomplish with your site? Promote the area and attract the notice of potential residents. Inform, entice and engage in requests for additional dialogue and information about living and working on the Gogebic Range 4. -
Chronology of Michigan History 1618-1701
CHRONOLOGY OF MICHIGAN HISTORY 1618-1701 1618 Etienne Brulé passes through North Channel at the neck of Lake Huron; that same year (or during two following years) he lands at Sault Ste. Marie, probably the first European to look upon the Sault. The Michigan Native American population is approximately 15,000. 1621 Brulé returns, explores the Lake Superior coast, and notes copper deposits. 1634 Jean Nicolet passes through the Straits of Mackinac and travels along Lake Michigan’s northern shore, seeking a route to the Orient. 1641 Fathers Isaac Jogues and Charles Raymbault conduct religious services at the Sault. 1660 Father René Mesnard establishes the first regular mission, held throughout winter at Keweenaw Bay. 1668 Father Jacques Marquette takes over the Sault mission and founds the first permanent settlement on Michigan soil at Sault Ste. Marie. 1669 Louis Jolliet is guided east by way of the Detroit River, Lake Erie, and Lake Ontario. 1671 Simon François, Sieur de St. Lusson, lands at the Sault, claims vast Great Lakes region, comprising most of western America, for Louis XIV. St. Ignace is founded when Father Marquette builds a mission chapel. First of the military outposts, Fort de Buade (later known as Fort Michilimackinac), is established at St. Ignace. 1673 Jolliet and Marquette travel down the Mississippi River. 1675 Father Marquette dies at Ludington. 1679 The Griffon, the first sailing vessel on the Great Lakes, is built by René Robert Cavelier, Sieur de La Salle, and lost in a storm on Lake Michigan. ➤ La Salle erects Fort Miami at the mouth of the St.