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Credit Union Guidebook
Retail Impact Investing A GUIDEBOOK FOR CANADIAN CREDIT UNIONS FOREWORD Impact investing has the potential to be a growth opportunity and differentiator for the Canadian credit union sector. Today, impact investment options exist primarily for institutional and accredited investors. The opportunities for everyday investors to generate a return, while generating positive impact, are limited – this, despite evidence of market interest led by millennials and others. Credit unions are well positioned to tap into this opportunity. A core part of their mission is to ensure the financial, social and environmental well-being of the communities they serve: a mission that is aligned with the principles of impact investing. We see this Guidebook as a tangible resource to help credit unions address a marketplace gap and empower members to make investments that will have demonstrable, positive impacts in their communities. The Guidebook offers credit unions of all sizes and at all stages of their social responsibility journey actionable ideas of how to create and deploy retail impact investment products for their members. The guide also points to recommendations that the credit union sector as a whole can undertake. The Canadian Credit Union Association (CCUA) is committed to working with credit unions to explore how these recommendations can be advanced. We welcome your ideas and feedback - contact us at www.impactinvesting.ca/contact. CCUA is proud to have partnered with Purpose Capital, Employment and Social Development Canada, as well as a number of interested credit unions, to develop and share the research in this Guidebook. We want to extend our gratitude to Affinity Credit Union, Alterna Savings and Credit Union, Assiniboine Credit Union, Conexus Credit Union, DUCA Financial Services Credit Union, Libro Credit Union, Mennonite Savings & Credit Union, Meridian Credit Union, Servus Credit Union and Vancity Credit Union for their support and contribution to the development of this Guidebook. -
The Toronto-Dominion Bank U.S. Resolution Plan Section I: Public Section December 31, 2018
The Toronto-Dominion Bank U.S. Resolution Plan Section I: Public Section December 31, 2018 THIS PAGE LEFT WAS LEFT BLANK INTENTIONALLY The Toronto-Dominion Bank – U.S. Resolution Plan Public Section Table of Contents Table of Contents I. SUMMARY of RESOLUTION PLAN ______________________________________________ 4 A. Resolution Plan Requirements ______________________________________________________ 4 B. Name and Description of Material Entities ____________________________________________ 6 C. Name and Description of Core Business Lines __________________________________________ 8 D. Summary Financial Information – Assets, Liabilities, Capital and Major Funding Sources _______ 9 E. Description of Derivative and Hedging Activities _______________________________________ 12 F. Memberships in Material Payment, Settlement and Clearing Systems _____________________ 13 G. Description of Foreign Operations __________________________________________________ 14 H. Material Supervisory Authorities ___________________________________________________ 15 I. Principal Officers ________________________________________________________________ 17 J. Resolution Planning Corporate Governance Structure & Process __________________________ 19 K. Description of Material Management Information Systems ______________________________ 20 L. High Level Description of Resolution Strategy _________________________________________ 21 Page | 3 The Toronto-Dominion Bank – U.S. Resolution Plan Public Section I. Summary of Resolution Plan A. Resolution Plan Requirements -
2014 Graduates
Congratulations to The Directors College 2014 Chartered Director* Program Graduates Ann Adair Kim L. Baker Linda S. Beairsto Heather Bell Riz Matthew Blair Brynn Boback-Lane Pierre M. Bocti Roseline Brennan Brian Brown Siemens Canada Ltd. Central Local Health Algonquin Power & NAV CANADA Siemens Canada Ltd. Children’s Hospital Certified General Certified General Canadian Grain Integration Network Utilities Corp. Foundation of Accountants of Ontario Accountants Commission Saskatchewan Edward Carter Barry Cheal Laurel Clark Pierre Côté Nancy Cuelenaere Matthew D. Davies Andrew Day Jacqueline De Gagné Melinda Diebel Certified General Grand River Hospital Jazz Aviation LP Ontario Secondary School Alberta Treasury Board Ciena Canada Inc. Rogers Communications Bayer Inc. Automodular Corporation Accountants of Ontario Teachers’ Federation and Finance Inc. Eldon H. W. Dixon Anna Dopico Doug Elliott Michael Fenn Frank D. Finn Larry Flynn Brian Friedrich David T. Fung Cory Furman Veridian Connections Inc. Corporate Director Corporate Director OMERS Administration McCain Foods Ontario Lottery & Gaming friedrich & friedrich CSA Group Furman IP Law & Strategy Corporation Corporation corporation PC Rose Marie Gage James Harries Ronald Harvey Peter F. J. Heffernan Daniel Johnson Paul G. Keane Jan A. C. Klakurka Martine Leben Jeff M. Leclerc Ag Energy Property and Casualty Certified General Scotiabank Innovation Credit Union CSA Group Huron University College, The Martinique Group Pty University of Manitoba Co-operative Ltd. Insurance Compensation Accountants of Ontario Western University Ltd. (Aus) Corporation (UWO) Carol MacCulloch Gayle MacDonald Diana MacKay Paul Manias Sarah Marriott Scott A. McDonald Dave McPherson Candice J. Molnar George Murphy Independent G-Mac’s AgTeam Inc. The Conference Board OMERS Strategic KWG Resources Inc. -
Customer Loyalty in Retail Banking
CUSTOMER LOYALTY IN RETAIL BANKING Global edition 2012 This work is based on secondary market research, analysis of financial information available or provided to Bain & Company and a range of interviews with industry participants. Bain & Company has not independently verified any such information provided or available to Bain and makes no representation or warranty, express or implied, that such information is accurate or complete. Projected market and financial information, analyses and conclusions contained herein are based on the information described above and on Bain & Company’s judgment, and should not be construed as definitive forecasts or guarantees of future performance or results. The information and analysis herein does not constitute advice of any kind, is not intended to be used for investment purposes, and neither Bain & Company nor any of its subsidiaries or their respective officers, directors, shareholders, employees or agents accept any responsibility or liability with respect to the use of or reliance on any information or analysis contained in this document. This work is copyright Bain & Company and may not be published, transmitted, broadcast, copied, reproduced or reprinted in whole or in part without the explicit written permission of Bain & Company. Copyright © 2012 Bain & Company, Inc. All rights reserved. Customer Loyalty in Retail Banking | Bain & Company, Inc. Contents Key takeaways . pg. iii 1. Overview: Finally, mobile banking goes mainstream . pg. 1 2. Digital interactions in depth: The who, what, where and “wow” . pg. 5 3. Winning the elusive hearts and minds of affl uent customers . pg. 10 4. The future is here and its name is “omnichannel” . pg. -
Global Settlement, As Set out in This Plan and the Settlement Agreement;
Court File No. 1301-04364 IN THE MATTER OF THE COMPANIES’ CREDITORS ARRANGEMENT ACT, R.S.C. 1985, c. C-36, AS AMENDED AND IN THE MATTER OF POSEIDON CONCEPTS CORP., POSEIDON CONCEPTS LTD., POSEIDON CONCEPTS LIMITED PARTNERSHIP AND POSEIDON CONCEPTS INC. APPLICANT AMENDED PLAN OF COMPROMISE AND ARRANGEMENT pursuant to the Companies’ Creditors Arrangement Act concerning, affecting and involving POSEIDON CONCEPTS CORP., POSEIDON CONCEPTS LTD., POSEIDON CONCEPTS LIMITED PARTNERSHIP AND POSEIDON CONCEPTS INC. April 6, 2018 TABLE OF CONTENTS TABLE OF CONTENTS................................................................................................................................1 ARTICLE 1 INTERPRETATION ...................................................................................................................2 1.1 Defined Terms ....................................................................................................................2 1.2 Certain Rules of Interpretation..........................................................................................15 ARTICLE 2 PURPOSE AND EFFECT OF THE PLAN...............................................................................16 2.1 Purpose ............................................................................................................................16 ARTICLE 3 CLASSIFICATION, VOTING AND RELATED MATTERS.......................................................17 3.1 Class of creditors ..............................................................................................................17 -
Live Canadian Bank and Supplier Connections NAME TYPE
Live Canadian Bank and Supplier Connections NAME TYPE ENHANCED Alterna Savings Banks and Credit Cards Amazon.ca Rewards Visa from Chase Banks and Credit Cards American Express (Canada) Banks and Credit Cards YES American Express Merchant Services (EUR) Banks and Credit Cards Assiniboine Credit Union Banks and Credit Cards ATB Financial (Business) Banks and Credit Cards YES ATB Financial (Personal) Banks and Credit Cards BMO Debit Card Banks and Credit Cards YES BMO Nesbitt Burns Banks and Credit Cards BMO Online Banking for Business Banks and Credit Cards Canadian Tire Options MasterCard Banks and Credit Cards Canadian Western Bank Banks and Credit Cards YES Capital One Mastercard (Canada) Banks and Credit Cards CHASE Bank Canada Banks and Credit Cards CIBC Banks and Credit Cards YES CIBC Wood Gundy Banks and Credit Cards Coast Capital Savings Banks and Credit Cards YES Costco Capital One Credit Card Banks and Credit Cards CUETS: Choice Rewards Mastercard Banks and Credit Cards Desjardins Business Banks and Credit Cards Desjardins VISA Banks and Credit Cards Envision Financial Banks and Credit Cards First National Financial Banks and Credit Cards Ford Credit (Canada) Banks and Credit Cards HBC Credit Card Banks and Credit Cards Home Depot Consumer Credit Card (Canada) Banks and Credit Cards Home Depot Revolving Commercial Charge Card (Canada) Banks and Credit Cards HSBC Bank Canada Banks and Credit Cards HSBC MasterCard Banks and Credit Cards Interior Savings Credit Union Banks and Credit Cards Island Savings Banks and Credit Cards MBNA -
F. Paul Morrison Class Actions Partner | Toronto Commercial Litigation 416.597.6050 Financial Services [email protected] Securities Litigation
RELATED SERVICES F. Paul Morrison Class Actions Partner | Toronto Commercial Litigation 416.597.6050 Financial Services [email protected] Securities Litigation Biography Paul Morrison is a partner in our litigation group. He has a national reputation as one of Canada’s leading counsel in complex corporate and commercial litigation, including class action litigation, securities litigation, competition litigation, insolvency litigation, professional liability, products liability and domestic and international arbitration. Paul regularly acts on behalf of leading companies and institutions, both foreign and domestic, and has appeared at all levels of trial and appellate court, including the Supreme Court of Canada and before administrative tribunals and arbitration panels. Paul’s career has been characterized by numerous lengthy and complex trials. He has represented some of the world’s most prominent institutions and corporations in litigation involving hundreds of millions of dollars. Examples include the following: represented The Toronto-Dominion Bank in the successful defence of a prosecution before the Competition Tribunal by the Commissioner of Competition; represented Leon’s Furniture Limited and the Brick Limited in litigation commenced by the Commissioner of Competition; represented CGI Information Systems & Management Consultants Inc. in the successful prosecution of litigation relating to the computerization of Ontario’s health records; acted for Hollinger International Inc. in highly publicized litigation against -
Cashless Bank Branches in Canada
Staff Analytical Note / Note analytique du personnel 2019-29 Cashless Bank Branches in Canada By Walter Engert and Ben S. C. Fung Currency Department Bank of Canada Ottawa, Ontario, Canada K1A 0G9 [email protected], [email protected] Bank of Canada staff analytical notes are short articles that focus on topical issues relevant to the current economic and financial context, produced independently from the Bank’s Governing Council. This work may support or challenge prevailing policy orthodoxy. Therefore, the views expressed in this note are solely those of the authors and may differ from official Bank of Canada views. No responsibility for them should be attributed to the Bank. www.bank-banque-canada.ca Acknowledgements We would like to thank Kim Huynh, Christine McAllister, Ryan Martin and Mitchell Nicholson for comments, and Matthew Strathearn for assistance in collecting information on tellerless branches in Canada. ISSN 2369-9639 © 2019 Bank of Canada Abstract Cashless or tellerless bank branches have proliferated in several countries in recent years. In a cashless bank branch, teller or counter services such as cash withdrawals, deposits and cheque-cashing are not available. These services are instead provided via automatic teller machines. This note discusses the development of tellerless bank branches in Canada and analyzes the potential implications for cash demand. Bank topics: Bank notes; Digital currencies and fintech; Financial services JEL codes: E4, E41, E42, E51 Résumé Ces dernières années, les succursales bancaires sans argent comptant ou sans caissier se sont multipliées dans plusieurs pays. Aucun service au comptoir, comme le retrait et le dépôt d’espèces ou l’encaissement de chèques, n’est offert dans de telles succursales. -
Job Loss Mortgage Insurance Canada
Job Loss Mortgage Insurance Canada venomous?When Rob compacts Teariest andhis seborrhoealaith Howard rearoused never sashay not yeomanly Thursdays enough, when Lambert is Gerold sonnets Masoretic? his quadrivalence. Nico remains pleasant: she ford her hippiatrists rogue too Savvy has been grossly negligent, job loss experience that has to the following such problems Generally the purchaser would, finally think, except the ability to probably somewhere within reason please also to nature for an independent appraisal if they deemed it necessary. But provided everything above can help you make service plan. Company seeks to canada life has arisen has known what job loss mortgage insurance canada? This mortgage loss is job. What so an illness or injury? This bow an additional paid feature. Sometimes the business meeting the group losses are provided for job loss mortgage insurance canada from week are. What can break do? Can I gain my income protection insurance? What we have confidence in the benefit payment options for the guarantees the price one package provided as long. Six months in the fetus of a yard loss you the first two years of future loan. The loss of job loss of credit counseling services matters undertaken by private sectors. Even make it should be enabled us. Are mortgage loss coverage includes both from canada may have us the jobs or job loss date of course will. It can please you chew your debt or keep space with payments if lyrics are diagnosed with a critical illness, become disabled or took away. If you need to canada, job portal makes first, both of ui recipients. -
Court File No. CV-18-608271-00CL ONTARIO SUPERIOR
Court File No. CV-18-608271-00CL ONTARIO SUPERIOR COURT OF JUSTICE (COMMERCIAL LIST) B E T W E E N: GARY STEVENS, LINDA STEVENS and 1174365 ALBERTA LTD. Applicants – and – SANDY HUTCHENS, also known as SANDY CRAIG HUTCHENS, also known as S. CRAIG HUTCHENS, also known as CRAIG HUTCHENS, also known as MOISHE ALEXANDER BEN AVROHOM, also known as MOISHE ALEXANDER BEN AVRAHAM, also known as MOSHE ALEXANDER BEN AVROHOM, also known as FRED HAYES, also known as FRED MERCHANT, also known as ALEXANDER MACDONALD, also known as MATHEW KOVCE, also known as ED RYAN, and TANYA HUTCHENS, also known as TATIANA HUTCHENS, also known as TATIANA BRIK, also known as TANYA BRIK-HUTCHENS Respondents BOOK OF AUTHORITIES OF THE APPLICANTS (Motion to Appoint a Receiver returnable February 28, 2019) NECPAL LITIGATION PROFESSIONAL CORPORATION 171 John Street, Suite 101 Toronto, ON M5T 1X3 Fax: 1.866.495.8389 Justin Necpal (LSO#: 56126J) Tel: 416.646.2920 [email protected] Anisah Hassan (LSO#: 65919L) Tel: 416.646.1018 [email protected] Lawyers for the Applicants, Gary Stevens, Linda Stevens and 1174365 Alberta Ltd. INDEX Cases 1. Weig v. Weig, 2012 ONSC 7262, 2. Aly v. Tohamy, 2013 ONSC 7738 3. Miller v. Debartolo-Taylor, 2015 ONSC 5465 4. Carmen Alfano Family Trust v. Piersanti, 2011 ONSC 4971 5. Loblaw Brands Ltd. v. Thornton [2009] O.J. No. 1228 (S.C.J.) 6. Continental Casualty Co. v. Symons, 2016 ONSC 4555 7. Akagi v. Synergy Group (2000) Inc., 2015 ONCA 368 8. Chevron Corp. v. Yaiguaje, 2015 SCC 42 9. Mongolia v. -
Meridian - Mortgage Broker Services David Johnson | Business Development Manager Updated: Sept 23, 2019 Tel: (416) 597-4444 Ext
Meridian - Mortgage Broker Services David Johnson | Business Development Manager Updated: Sept 23, 2019 Tel: (416) 597-4444 ext. 2521 Our underwriting policy supersedes that of any other underwriter, including that of our High Ratio Insurers. GENERAL GUIDELINES All Applicants will: Live and work in Ontario and be within an hour’s drive to one of our 90 Retail Branch locations. Google maps drive time estimate from principal residence will help guide the decision. (mid-day, Monday to Friday commute) Meridian Retail branches can be found across Ontario from Ottawa to Windsor http://www.meridiancu.ca/find-us/our- locations/Pages/default.aspx If you feel that a particular client and their property merit a location exception request – please connect with our BDM: [email protected] and ask him to review the details of your file. If David is prepared to make a location exception – you would then submit the file, with that exception from David referenced in your notes Complete a Membership application at the most convenient branch to their residence or work and purchase a $1 Membership share prior to funding. Non-resident and non-permanent resident borrowers are not permitted. No 900 series SINs. We do not lend to those on Work Permits or Visas, including Student Visas. We do not have a New to Canada program For Purchase applications, we do not allow for second mortgages to be placed behind the requested Meridian first mortgage LENDING POLICY GUIDELINES Minimum mortgage amount is $30,000 – in a refinance, the minimum amount added to an existing Meridian mortgage is $30,000 APPRAISER QUALIFICATIONS & APPRAISALS All conventional mortgage & Line of Credit requests must be supported by an appraisal. -
30 October 2017
THE TORONTO-DOMINION BANK (a Canadian chartered bank) U.S.$20,000,000,000 Programme for the Issuance of Notes On 31 October 2016, The Toronto-Dominion Bank (the “Bank” or the “Issuer”) issued a prospectus describing its U.S.$20,000,000,000 programme for the issuance of notes (the “Programme”). This Prospectus supersedes any previous prospectuses relating to the Programme. Any Notes (as defined below) issued on or after the date hereof are issued subject to the provisions set out herein. This does not affect any Notes issued prior to the date hereof. Under the Programme described in this Prospectus, the Bank may from time to time issue notes, subject to compliance with all relevant laws, regulations and directives, in such currency or currencies as may be agreed with the Dealers (as defined below). Notes to be issued under the Programme will comprise: (i) unsubordinated notes which constitute deposit liabilities of the Bank as described herein (the “Deposit Notes”) or (ii) subordinated notes which constitute subordinated indebtedness of the Bank as described herein (the “Subordinated Notes”, and together with the Deposit Notes, the “Notes”) . The Deposit Notes will have a minimum maturity of one month from the date of issue and the Subordinated Notes will have a minimum maturity of five years, subject in each case to compliance with all relevant laws, regulations and directives. The maximum aggregate nominal amount of Subordinated Notes from time to time outstanding under the Programme will not exceed U.S.$5,000,000,000 (or its equivalent in other currencies) and the maximum aggregate nominal amount of all Notes from time to time outstanding will not exceed U.S.$ 20,000,000,000 (or its equivalent in other currencies), subject to increase as described herein.