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Federal Register / Vol. 60, No. 18 / Friday, January 27, 1995 / Notices
5396 Federal Register / Vol. 60, No. 18 / Friday, January 27, 1995 / Notices Citizens National Bancshares, Inc., Board of Governors of the Federal Reserve in providing data processing and related Hammond, Louisiana, and thereby System, January 23, 1995. services for Applicant's subsidiaries: indirectly acquire Citizens National Jennifer J. Johnson, AmericanMidwest Bank & Trust, Bank, Hammond, Louisiana. Deputy Secretary of the Board. Melrose Park, Illinois, and American 2. SouthTrust Corporation, [FR Doc. 95±2053 Filed 1±26±95; 8:45 am] National Bank of DeKalb County, Birmingham, Alabama, and SouthTrust BILLING CODE 6210±01±F Sycamore, Illinois, and also Applicant's of Mississippi, Biloxi, Mississippi; to affiliate bank: First Bank of merge with CNB Capital Corporation, Schaumburg, Inc., Schaumburg, Illinois, Pascagoula, Mississippi, and thereby National Bancorp, Inc.; Notice of pursuant to § 225.25(b)(7) of the Board's indirectly acquire Citizens National Application to Engage de novo in Regulation Y. Bank, Pascagoula, Mississippi. Permissible Nonbanking Activities Board of Governors of the Federal Reserve 3. Royal Bank Group of Acadiana System, January 23, 1995. Partnership, Lafayette, Louisiana; to The company listed in this notice has filed an application under § 225.23(a)(1) Jennifer J. Johnson, become a bank holding company by Deputy Secretary of the Board. acquiring 32 percent of LBA Bankgroup of the Board's Regulation Y (12 CFR [FR Doc. 95±2054 Filed 1±26±95; 8:45 am] Inc., Lafayette, Louisiana, which will 225.23(a)(1)) for the Board's approval change its name to Royal Bankgroup of under section 4(c)(8) of the Bank BILLING CODE 6210±01±F Acadiana Inc., Lafayette, Louisisna, and Holding Company Act (12 U.S.C. -
Automated Clearing House (ACH) Agreement
Automated Clearing House (ACH) Agreement P.O. Box 189, Middlebury, Vermont 05753-0189 www.nbmvt.com Phone: 1-802-388-4982 THIS AGREEMENT is made this _______ day of ___________________, 20_____, by and between _____________________________________________________________ (“Company”) and National Bank of Middlebury of Middlebury, Vermont, (“Bank”). This agreement is governed by the laws of the State of Vermont. The Company has requested that the Bank permit it to initiate electronic signals for paperless entries through the Bank to accounts maintained at the Bank and in other banks and financial institutions, by means of the Automated Clearing House (“ACH”). NOW, THEREFORE, in consideration of the mutual promises contained herein, it is agreed as follows— 1. The Bank will transmit the credit and/or debit entries initiated by the Company to the ACH as provided in the ACH Rules (“Rules”), as in effect from time to time and this Agreement. An ACH Rule Book is available upon request from the Bank. Please contact the Bank with any questions about compliance with the ACH Rules. The Bank reserves the right to audit the Company to ensure compliance with the ACH Rules. 2. The Company will comply with the Rules insofar as applicable. The specific duties of the Company provided in the following paragraphs of this Agreement in no way limit the foregoing undertaking. The Company (Originator) will not initiate entries that violate the laws of the United States, which includes Office of Foreign Asset Control sanctions (OFAC). Website: www.treas.gov/ofac/ 3. The Company will obtain written authorization for consumer entries, shall provide a copy to the consumer, and shall retain the original for two (2) years after termination or revocation of such authorization. -
Annual Financial Report Contains Translations of Certain Australian Dollar Amounts Into US Dollars at Specified Rates
NAB Full financials 11/11/01 5:06 PM Page 1 Table of contents Financial performance 2 Financial report 60 Description of business 3 Statement of financial performance 62 Introduction 3 Statement of financial position 63 Vision and strategy 3 Statement of cash flows 64 Business operating model 3 Notes to the financial statements 65 Business and Personal Financial Services 3 Directors’ declaration 165 Specialist and Emerging Businesses 5 Auditors’ report 166 National Shared Services 5 Shareholder information 167 Wholesale Financial Services 5 Forward-looking statements 183 Wealth Management 6 Form 20-F cross reference index 184 HomeSide 6 Principal establishments 185 Corporate Centre 7 Sale of Michigan National Corporation 7 Competition 7 Regulation of the financial services system 7 Privacy 8 Organisational structure 8 Description of property 8 Certain legal proceedings 8 Financial review Overview 9 Selected financial data 12 Net interest income 15 Other banking and financial services income 18 Mortgage servicing and origination revenue 19 Life insurance business 19 Personnel expenses 21 Occupancy expenses 21 General expenses 21 Significant operating expenses 21 Charge to provide for doubtful debts 22 Significant non-operating items 23 Net profit by segment 24 Assets and equity 30 Return on average equity 30 Shareholder value 31 Earnings and dividends per share 32 Liquidity and capital resources 32 Capital adequacy 33 Changes in financial condition 35 Total assets under management and administration 35 Gross loans and advances 36 Impaired assets, provisions and allowance for loan losses 37 Deposits and other borrowings 40 Risk management 41 People and Culture 45 European Economic and Monetary Union 46 Risk factors 46 Goods and services tax 47 Accounting developments 47 Corporate governance statement 48 Report of the directors 52 1 NAB Full financials 11/11/01 5:06 PM Page 2 Financial performance Profitability $b Profit and significant items 5 Profit before significant items • Net profit after significant items decreased 35.7 per cent to $2,083 4 million. -
Annual Financial Report 2000
ANNUAL FINANCIAL REPORT 2000 ANNUAL Annual Financial Report 2000 Principal establishments National Australia Bank HomeSide Lending Singapore Branch National Australia Group Limited Australia 5 Temasek Boulevard Europe Limited Group Offices and 120 Spencer Street 15-01 Suntec Five Tower The Athenaeum Australian Financial Melbourne Vic 3000 Singapore 038985 8 Nelson Mandela Place Services (GPO Box 14547 Melbourne Glasgow G2 1BN 500 Bourke Street City MC Vic 8001) Tel: + 65 338 0038 Scotland (GPO Box 84A) Fax: + 65 338 0039 Melbourne Vic 3000 Tel: (in Aust.) 13 24 64 Tel: +44 141 223 5958 Australia Fax: +61 3 9601 7711 Tokyo Branch Fax: +44 141 223 5959 Mitsui Nigokan Tel: +61 3 8641 3500 O2-e Limited 2-1-1, Nihonbashi London Office Fax: +61 3 8641 4916 Level 1 Muromachi 6 – 8 Tokenhouse Yard www.national.com.au 553 St Kilda Road Chuo-ku London EC2R 7AJ Melbourne Vic 3004 Tokyo 103-0022 United Kingdom Australia Japan National Wealth Tel: +44 171 710 2100 Management Holdings Tel: +61 3 9909 8900 Tel: + 81 3 3241 8781 Fax: +44 171 588 8356 Limited Fax: +61 3 9909 8999 Fax: + 81 3 3241 5369 105 – 153 Miller Street www.o2-e.com North Sydney NSW 2060 National Australia Life Australia Bangkok Representative 91 Gresham Street Michigan National Office London EC2V 7NT Tel: +61 2 9957 8000 Corporation 16/F, Sathorn Thani United Kingdom Fax: +61 2 9957 6881 27777 Inkster Road Building 1 (PO Box 9065) 90 North Sathorn Road Tel: +44 171 710 2100 Fax: +44 171 726 4926 MLC Farmington Hills MI 48333- Bangkok 10500 MLC Building 9065 Thailand 105 – 153 Miller -
4. Role of Multilateral Banks and Export Credit Agencies in Trade Finance 34 5
Revitalising Trade Finance: Development Banks and Export Credit Agencies at the Vanguard EXPORT-IMPORT BANK OF INDIA WORKING PAPER NO. 71 REVitaLISING TRADE FINANCE: DEVELOPMENT BANKS AND Export CREDIT AGENCIES at THE VangUARD EXIM Bank’s Working Paper Series is an attempt to disseminate the findings of research studies carried out in the Bank. The results of research studies can interest exporters, policy makers, industrialists, export promotion agencies as well as researchers. However, views expressed do not necessarily reflect those of the Bank. While reasonable care has been taken to ensure authenticity of information and data, EXIM Bank accepts no responsibility for authenticity, accuracy or completeness of such items. © Export-Import Bank of India February 2018 1 Export-Import Bank of India Revitalising Trade Finance: Development Banks and Export Credit Agencies at the Vanguard 2 Export-Import Bank of India Revitalising Trade Finance: Development Banks and Export Credit Agencies at the Vanguard CONTENTS Page No. List of Figures 5 List of Tables 7 List of Boxes 7 Executive Summary 9 1. Introduction 16 2. Review of Trade Finance Market 19 3. Challenges to Trade Finance 26 4. Role of Multilateral Banks and Export Credit Agencies in Trade Finance 34 5. Way Ahead 44 Project Team: Mr. Ashish Kumar, Deputy General Manager, Research and Analysis Group Ms. Jahanwi, Manager, Research and Analysis Group 3 Export-Import Bank of India Revitalising Trade Finance: Development Banks and Export Credit Agencies at the Vanguard 4 Export-Import Bank of India Revitalising Trade Finance: Development Banks and Export Credit Agencies at the Vanguard LIST OF FIGURES Figure No. -
United National Bank
BUSINESS eBANKING SYSTEM SERVICES AGREEMENT This Business eBanking System Services Agreement (“Agreement”), together with the applicable Terms and Conditions of Your Account for any account that is or will be linked (“Account”) to the Business eBanking System (“System”), governs the use of the System. You understand and acknowledge that that all such Accounts are to be used primarily for commercial or business purposes, and that this Agreement will control if there is any conflict between it and any agreement applicable to Your linked Account(s). In this Agreement, ‘You,’ ‘Your,’ or ‘Customer’ refers to each owner of the Account(s) accessed through the System and each person authorized to access the Account(s) using the System. A ‘Writing’ refers to a communication conveyed on paper and signed by a person with sufficient authority to bind Customer or Bank, as applicable, or an electronic message from a person with sufficient authority to bind Bank or Customer, as applicable, and conforming to the requirements of the Uniform Electronic Transactions Act as incorporated into the laws of the state governing this Agreement. By signing the Agreement or using the System and the services described herein available to Customer (collectively, “Services”). You agree to the terms and conditions set forth below. A. SERVICES 1) Generally. As requested by Customer, Bank will enter into the System balance information and/or itemized debit and credit information for Accounts on a daily basis. Bank shall provide System instructions to Customer. The System is for Customer’s internal use to enable Customer to obtain balance and other Account information and to direct payments from Account(s) to third-parties (collectively, “Payees”, and each individually, a “Payee” when using the bill payment module; collectively “Beneficiaries”, and each individually a “Beneficiary” when accessing Wire Transfers; and collectively “Receivers”, and each individually a “Receiver” when using the Automated Clearing House (ACH) network). -
RBC Royal Bank Mortgage O Earn $1 RBC Rewards Point for Every Dollar O up to 120‐Day Interest Rate Guarantee
Over $2,400 in total value and savings! TABIA Business and Personal Banking Program March 15, 2013 Program Overview RBC Royal Bank® is pleased to provide TABIA members with a special banking program for your business and personal needs. With over 1,300 branches, 4,000 ATMs, 24/7 Telephone Banking, Mobile Banking apps, and award‐winning Online Banking, it’s ® easy to access your money and speak with an RBC Advisor anywhere in Canada. The products and services listed on the following pages are offered by RBC Royal Bank. We would also be pleased to refer ® you to our partners in RBC Wealth Management for more complex banking needs. Business Banking Program Receive a $100 credit when you open any of the following RBC Royal Bank business accounts $6 Small Business RBC Business Essentials Fixed Fee Plans Account* Plan 1 Plan 2 Plan 3 Plan 4 Designed for Low or flexible Low to medium Medium Medium to high High transaction transaction transaction transaction transaction volumes volumes volumes volumes volumes Monthly fee $6.00 $20.00 $35.00 $50.00 $75.00 Debits included Up to 8 transactions Up to 20 Up to 35 Up to 50 Up to 75 included. Additional transactions are pay‐ Credits included as‐you‐go. Volume and Up to 15 Up to 35 Up to 50 Up to 75 channel discounts available. Items deposited $0.20 each Up to 20 Up to 40 Up to 60 Up to 85 included Cash deposited From $2.00 per Up to $2,500 Up to $3,500 Up to $6,500 Up to $10,000 included $1,000 Balance fee n/a n/a n/a Yes Yes waiver~ ~ Fee waiver is applied only to minimum monthly fee when daily minimum balance is maintained for the entire month. -
Case 1:09-Md-02036-JLK Document 4007 Entered on FLSD Docket 11/10/2014 Page 1 of 39
Case 1:09-md-02036-JLK Document 4007 Entered on FLSD Docket 11/10/2014 Page 1 of 39 UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA CASE NO. 1:09-MD-02036-JLK IN RE: CHECKING ACCOUNT OVERDRAFT LITIGATION MDL No. 2036 THIS DOCUMENT RELATES TO: Michael Dasher and Stephanie Avery v. RBC Bank (USA), predecessor in interest to PNC Bank, N.A. S.D. Fla. Case No. 1:10-CV-22190-JLK CONSOLIDATED AMENDED CLASS ACTION COMPLAINT Plaintiffs Michael Dasher and Stephanie Avery, through undersigned counsel, on behalf of themselves and all persons similarly situated, allege the following based on personal knowledge as to allegations regarding the Plaintiffs and on information and belief as to other allegations. INTRODUCTION 1. This is a civil action seeking monetary damages, restitution, and declaratory relief from Defendant PNC Bank, N.A., the successor-in-interest to RBC Bank (USA) (“RBC” or the “Bank”), arising from its unfair and unconscionable assessment and collection of excessive overdraft fees. 2. During the pendency of this case, PNC Bank, N.A. merged with RBC. Since the claims herein do not extend to the practices of PNC Bank, for the sake of clarity, Plaintiffs continue to refer to Defendant as RBC. Case 1:09-md-02036-JLK Document 4007 Entered on FLSD Docket 11/10/2014 Page 2 of 39 3. In the era of electronic banking and the ubiquitous use of debit card transactions, the assessment of overdraft fees has become a major profit center for many United States banks, including RBC. For years, banks covered customers who occasionally bounced checks and even did so for a time for customers using debit cards, without charging their customers. -
Offering Memorandum Union Square | San Francisco
OFFERING MEMORANDUM 166 GearyUNION SQUARE | SAN FRANCISCO A PRIDE-OF-OWNERSHIP COMMERCIAL ASSET ADJACENT TO SAN FRANCISCO’S FAMED UNION SQUARE 166 GEARY STREET exclusively listed by: Vincent Schwab Senior Managing Director Investments San Francisco Office [email protected] Cell: (415) 828-4372 Tel: (415) 625-2171 Fax: (415) 989-9220 UNION GLicense: CA 00840133 SQUARE SAN FRANCISCO CONFIDENTIALITY AGREEMENT The information contained in the following Marketing Brochure is proprietary and strictly confidential. It is intended to be reviewed only by the party receiving it from Institutional Property Advisors, a Division of Marcus & Millichap (“IPA”) and should not be made available to any other person or entity without the written consent of IPA. This Marketing Brochure has been prepared to provide summary, unverified information to prospective purchasers, and to establish only a preliminary level of interest in the subject property. The information contained herein is not a substitute for a thorough due diligence investigation. IPA and Marcus & Millichap have not made any investigation, and make no warranty or representation, with respect to the income or expenses for the subject property, the future projected financial performance of the property, the size and square footage of the property and improvements, the presence or absence of contaminating substances, PCB’s or asbestos, the compliance with State and Federal regulations, the physical condition of the improvements thereon, or the financial condition or business prospects -
Australia's Best Banking Methodology Report
Mozo Experts Choice Awards Australia’s Best Banking 2021 This report covers Mozo Experts Choice Australia’s Best Banking Awards for 2021. These awards recognise financial product providers who consistently provide great value across a range of different retail banking products. Throughout the past 12 months, we’ve announced awards for the best value products in home loans, personal loans, bank accounts, savings and term deposit accounts, credit cards, kids’ accounts. In each area we identified the most important features of each product, grouped each product into like-for-like comparisons, and then calculated which are better value than most. The Mozo Experts Choice Australia's Best Banking awards take into account all of the analysis we've done in that period. We look at which banking providers were most successful in taking home Mozo Experts Choice Awards in each of the product areas. But we also assess how well their products ranked against everyone else, even where they didn't necessarily win an award, to ensure that we recognise banking providers who are providing consistent value as well as areas of exceptional value. Product providers don’t pay to be in the running and we don’t play favourites. Our judges base their decision on hard-nosed calculations of value to the consumer, using Mozo’s extensive product database and research capacity. When you see a banking provider proudly displaying a Mozo Experts Choice Awards badge, you know that they are a leader in their field and are worthy of being on your banking shortlist. 1 Mozo Experts Choice Awards Australia’s Best Banking 2021 Australia’s Best Bank Australia’s Best Online Bank Australia's Best Large Mutual Bank Australia's Best Small Mutual Bank Australia’s Best Credit Union Australia’s Best Major Bank 2 About the winners ING has continued to offer Australians a leading range of competitively priced home and personal loans, credit cards and deposits, earning its place as Australia's Best Bank for the third year in a row. -
Methodology Report
Mozo Experts Choice Awards Deposits 2019 Every day, Mozo keeps track of thousands of products in banking, insurance and energy. Unlike some other awards, providers don’t ‘enter’ the Mozo Experts Choice Awards nor do they pay to be considered. Our in-house team of experts analyse all the product data they’ve been tracking and scour the market to see if there are any other worthy candidates. Then we use our data and our experience to make a hard-nosed assessment of those products, to identify which offer great value or market-leading features. We recognise the leading products with the Mozo Experts Choice Awards. ● For product providers, a Mozo Experts Choice Award is a thoroughly researched third-party endorsement of their product. ● For consumers, the Mozo Experts Choice Awards badge is a sign that a product is among the leaders in the market, and is worthy of consideration. This report lists the winners and explains the judging methodology for our 2019 Deposit awards. 1 Deposits - 2019 Winners Transaction Accounts Everyday Bank of the Year Exceptional Everyday Account Bank of Sydney Everyday Saver Account Bankwest Hero Transaction Account Bankwest Qantas Transaction Account BOQ Specialist Everyday Plus Account Citi Global Currency Account Citi Plus Transaction Account ING Orange Everyday Macquarie Platinum Transaction Account Macquarie Transaction Account UBank USaver Ultra Transaction Account Up Bank Everyday Account Best New Transaction Account Citi Global Currency Account 2 Student Bank Account Community First Credit Union Student -
Printmgr File
Royal Bank of Canada | Second Quarter 2017 Royal Bank of Canada second quarter 2017 results All amounts are in Canadian dollars and are based on financial statements prepared in compliance with International Accounting Standard 34 Interim Financial Reporting, unless otherwise noted. TORONTO, May 25, 2017 – Royal Bank of Canada (RY on TSX and NYSE) today reported net income of $2,809 million for the second quarter ended April 30, 2017, up $236 million or 9% from a year ago. Results reflect strong earnings in Capital Markets, Investor & Treasury Services, and Wealth Management, as well as solid earnings in Personal & Commercial Banking. We also remain well- capitalized with a Common Equity Tier 1 (CET1) ratio of 10.6%. Compared to last quarter, net income was down $218 million or 7%. Excluding our share of a gain recorded last quarter related to the sale of the U.S. operations of Moneris Solutions Corporation (Moneris), which was $212 million (before- and after-tax), net income was relatively unchanged(1), while diluted earnings per share (EPS) grew $0.02. Credit quality remains strong, with our provision for credit losses (PCL) ratio of 0.23%. “RBC had a strong second quarter, with earnings of $2.8 billion, reflecting solid growth across most of our businesses and prudent risk management. I’m very pleased with our performance for the first half of the year given the uncertain operating environment. Our strong capital position allowed us to repurchase over 30 million of our common shares so far this year,” said Dave McKay, RBC President and Chief Executive Officer.