Scotiabank Online Bank Statement
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Canadian Credit Card Fees Class Action National Settlement Agreement
CANADIAN CREDIT CARD FEES CLASS ACTION NATIONAL SETTLEMENT AGREEMENT Made on October 28, 2020 (the “Execution Date”) Amended on January 22, 2021 Between COBURN AND WATSON’S METROPOLITAN HOME DBA METROPOLITAN HOME (“Metropolitan Home”) AND MAYNARD’S SOUTHLANDS STABLES LTD., HELLO BABY EQUIPMENT INC., JONATHON BANCROFT-SNELL, 1739793 ONTARIO INC., 9085-4886 QUEBEC INC., PETER BAKOPANOS, MACARONIES HAIR CLUB AND LASER CENTER INC. OPERATING AS FUZE SALON and BANK OF MONTREAL (“BMO”), THE BANK OF NOVA SCOTIA (“BNS”), CANADIAN IMPERIAL BANK OF COMMERCE (“CIBC”) ROYAL BANK OF CANADA (“RBC”), AND THE TORONTO-DOMINION BANK (“TD”) {11005-001/00789904.2} - i - TABLE OF CONTENTS RECITALS ......................................................................................................................................1 SECTION 1 - DEFINITIONS .........................................................................................................4 SECTION 2 - SETTLEMENT APPROVAL ................................................................................21 2.1 Best Efforts ...............................................................................................................21 2.2 Motions Certifying or Authorizing the Canadian Proceedings and for Approvals ..21 2.3 Agreement on Form of Orders .................................................................................23 2.4 Pre-Motion Confidentiality ......................................................................................23 2.5 Sequence of Motions ................................................................................................24 -
2020 Public Accountability Statement
2020 PUBLIC ACCOUNTABILITY STATEMENT ABOUT CORPORATE SMALL ACCESS TO NUMBER OF DEBT TAXES BRANCH THIS REPORT DONATIONS & BUSINESS FINANCIAL EMPLOYEES FINANCING OPENINGS, PHILANTHROPIC BANKING SERVICES IN CANADA CLOSINGS & ACTIVITY RELOCATIONS What’s Inside 2 About this Report 17 Number of Employees in Canada 3 Corporate Donations & Philanthropic Activity 18 Debt Financing 9 Small Business Banking 20 Taxes 11 Access to Financial Services 21 Branch Openings, Closings & Relocations About this Report Scope of Reporting About Scotiabank This Public Accountability Statement includes Scotiabank is a leading bank in the Americas. information from November 1, 2019 to Guided by our purpose: “for every future”, we help October 31, 2020, for the following affiliates our customers, their families and their communities of Scotiabank in Canada: Scotia Capital Inc., achieve success through a broad range of advice, National Trust Company, Scotia Mortgage products and services, including personal and Corporation, Scotia General Insurance Company, commercial banking, wealth management and ADS Canadian Bank, Montreal Trust Company private banking, corporate and investment banking, of Canada, Scotia Life Insurance Company, and capital markets. With a team of over 90,000 The Bank of Nova Scotia Trust Company, employees and assets of approximately $1.1 trillion Scotia Dealer Advantage Inc., Roynat Inc., (as at October 31, 2020), Scotiabank trades on the MD Private Trust Company, and MD Life Insurance Toronto Stock Exchange (TSX: BNS) and New York Company. These affiliates are finance entities or Stock Exchange (NYSE: BNS). For more information, financial institution subsidiaries of Scotiabank please visit scotiabank.com and follow us on Twitter operating in Canada that have less than $1 billion @ScotiabankViews. -
Q1 2021 Open Text Corp Earnings Call on November 05, 2020 / 10
REFINITIV STREETEVENTS EDITED TRANSCRIPT OTEX.TO - Q1 2021 Open Text Corp Earnings Call EVENT DATE/TIME: NOVEMBER 05, 2020 / 10:00PM GMT REFINITIV STREETEVENTS | www.refinitiv.com | Contact Us ©2020 Refinitiv. All rights reserved. Republication or redistribution of Refinitiv content, including by framing or similar means, is prohibited without the prior written consent of Refinitiv. 'Refinitiv' and the Refinitiv logo are registered trademarks of Refinitiv and its affiliated companies. NOVEMBER 05, 2020 / 10:00PM, OTEX.TO - Q1 2021 Open Text Corp Earnings Call CORPORATE PARTICIPANTS Harry Edward Blount Open Text Corporation - Senior VP & Global Head of IR Madhu Ranganathan Open Text Corporation - Executive VP & CFO Mark J. Barrenechea Open Text Corporation - Vice Chairman, CEO & CTO CONFERENCE CALL PARTICIPANTS Frank Joseph Surace Barclays Bank PLC, Research Division - Research Analyst Paul Steep Scotiabank Global Banking and Markets, Research Division - Analyst Paul Michael Treiber RBC Capital Markets, Research Division - Director of Canadian Technology & Analyst Richard Tse National Bank Financial, Inc., Research Division - MD & Technology Analyst Stephanie Doris Price CIBC Capital Markets, Research Division - Director of Institutional Equity Research and Software & Business Services Research Analyst Thanos Moschopoulos BMO Capital Markets Equity Research - VP & Analyst PRESENTATION Operator Thank you for standing by. This is the conference operator. Welcome to the OpenText Corporation First Quarter Fiscal 2021 Conference Call. (Operator Instructions) And the conference is being recorded. (Operator Instructions) I would like to turn the conference over to Mr. Harry Blount, Senior Vice President, Investor Relations. Please go ahead, sir. Harry Edward Blount - Open Text Corporation - Senior VP & Global Head of IR Thank you, operator, and good afternoon, everyone. -
International Wire Transfer Quick Tips &
INTERNATIONAL WIRE TRANSFER QUICK TIPS & FAQ In order to effectively process an international wire transfer, it is essential that the ultimate beneficiary bank as well as the intermediary bank, if applicable, is properly identified through routing codes and identifiers. However, countries have adopted varying degrees of sophistication in how they route payments between their financial institutions, making this process sometimes challenging. For this reason, these Quick Tips have been created to help you effectively process international wires. By including the proper routing information specific to a country when processing a wire transaction, you can ensure your wires will be processed correctly. Depending on the destination of an international wire transfer, the following identifiers should be used to identify the beneficiary bank and intermediary bank, as applicable. SWIFT code: Stands for ‘Society for Worldwide Interbank Financial Communications.’ Within the international transfer world, SWIFT is a universal messaging system. SWIFTs are BICs (Bank Identifier Code) connected to the S.W.I.F.T. network and either take an eleven digit or eight digit format. A digit other than “1” will always be in the eighth position. Swift codes always follow this format: • Character 1-4 are alpha and refer to the bank name • Characters 5 and 6 are alpha and refer to the currency of the country • Characters 7-11 can be alpha, numeric or both to designate the bank location (main office and/or branch) Example: DEUTDEDK390 (w/branch); SINTGB2L (w/o branch) BIC: A universal telecommunication address assigned and administered by S.W.I.F.T. BICs are not connected to the S.W.I.F.T. -
Terms and Conditions for Correspondent Banks
Terms and Conditions for Correspondent Banks THE BANK OF NOVA SCOTIA Trade Services & Financial Institutions GLOBAL TRANSACTION BANKING 100 Yonge Street – 9th Floor Toronto, Ontario, Canada M5C 2W1 SWIFT: NOSCCATT Fax: (416) 933-7467 E-mail: [email protected] www.scotiabank.com/corrbkg Effective March 1, 2010 PAYMENTS (in any currency – to all points) To a bank as ultimate beneficiary Charges subject to account analysis To a non-bank beneficiary (Commercial) - as per your instructions (BEN / OUR) $10 flat charge CANADIAN TIME ZONES Pacific Time Mountain Time Central Time Eastern Time Atlantic Time Newfoundland Standard Time 9:00 10:00 11:00 12 1:00 1:30 AM AM AM Noon PM PM Yukon NorthwestTerritories Labrador Saskatchewan British Quebec Columbia Alberta Manitoba Prince Edward Island Ontario New Brunswick Nova Scotia In Canada Canadian dollar payments to Scotiabank, its branches, beneficiaries and other Canadian banks, branches and beneficiaries are guaranteed same day value if the S.W.I.F.T. payment (MT202/MT103) is received prior to 1700 hours Toronto time, subject to meeting risk controls associated with the payments process. Instructions are to be directed to Global Wholesale Services, Toronto (GWS) and S.W.I.F.T. is our preferred method (NOSCCATT). Payments made outside Canada or payments in U.S. dollars and other currencies are subject to a 1530 cut-off time, however, those received after 1530 ET and before 1630 are normally expedited with same day value but we cannot guarantee same. Outside Canada Instructions covering payment to a beneficiary outside Canada will be effected on receipt for value in accordance with conditions prevailing at the beneficiary's place of domicile. -
Post-Show Report Dx3 2019 Post-Show Report
MARCH 6 - 7, 2019 METRO TORONTO CONVENTION CENTRE POST-SHOW REPORT DX3 2019 POST-SHOW REPORT In 2019, Canada’s leading conference for retailers, marketers and tech innovators, DX3 took place at the Metro Toronto Convention Centre and featured more than 100 industry speakers and 50 immersive exhibitions. The event displayed the brightest established and upcoming minds in the industry from Canada and international. national. 2 POST-SHOW REPORT DX3 seems to be the right mix of direct marketing, digital marketing, technology and an ability to get ideas on how to take a business and expose it to as many people as possible.” Corby Fine, Vice President, Simplii Financial (CIBC) This is where all the major retailers are, if you want to network in this space this the show to be.” Michael Schwarzl, Key Account Manager, LG Electronics It’s a great opportunity for us at IKEA to really talk about our brand journey in the context of innovation.” Lauren McDonald, CMO, IKEA Canada POST-SHOW REPORT 3 PRESS & SOCIAL MEDIA Being featured on media platforms from CP24, Betakit, Style Democracy, Cannabis Retailer and more, Dx3 earned over 6.6 million media impressions across Canada. These were generated from press articles, TV segments, blog posts and social media buzz. 4 POST-SHOW REPORT PRESS & SOCIAL MEDIA SOCIAL REACH #DX32019 was a massive success on Twitter and the event took over Instagram feeds and stories over the two days! It generated 707 social posts, reached 479,117 people and had 2100 likes, relating to 13.5 million social media impressions. 6.6 MILLION + 13.5 MILLION + MEDIA IMPRESSIONS SOCIAL MEDIA IMPRESSIONS POST-SHOW REPORT 5 DX3 2019 DEMOGRAPHICS The event displayed a higher number of Retail and Marketing attendees, making for over 60% of the attendees and 54% of the conference attendees were retailers. -
Moving up in the World
RESEARCHJanuary REPORT22, 2018 JanuaryCIBC 22, Company 2018 Pitch Insert Picture in Master View Stock Rating HOLD Price Target $131.00 Bear Price Bull Case Target Case $116.84 $131.00 $141.25 Ticker TSX:CM Canadian Imperial Bank of Commerce Market Cap. ($MM) 49,888 Moving up in the World P/TBV 2.5x ROE 17.2% Introduction 52 Week Performance The Canadian Imperial Bank of Commerce (CIBC) is one of the 120 Canadian Big Five Banks, providing various financial services and products to over 11 million people and commanding a market share of 15%. In recent years, CIBC has focused on improving client experiences, growing both customer satisfaction and their overall customer base. The bank has also recently undergone several 110 acquisitions, moving into the U.S. market and competing with other large Canadian banks in this new space. CIBC’s continuous improvement has made them increasingly well-positioned to outperform Canadian peers. 100 Investment Thesis Argument I: Building A Well-Diversified Bank through U.S. Expansion 90 22-Jan-17 22-Jul-17 19-Jan-18 Argument II: Leveraging Market Exposure to Grow Returns CM Index Argument III: Improving Financials and Operating Efficiency Financial Institutions Valuation Neil Shah When compared to the other Canadian banks, CIBC trades at a [email protected] discount on a Price-to-Tangible Book Value and Price-to-Earnings basis. CIBC also boasts the highest dividend yield among its peers. Adam Carnicelli Using a Dividend Discount Model, we arrived at a target price of [email protected] $131, implying a total return of 6.9%. -
Moneymatters 2020 Variables List
MoneyMatters 2020 Variables List Order Variable ID Variable Description Category 0 CODE Code Geography 0 GEO Geographic Summarization Indicator Geography 1 CBASHHD Total Households Basics 2 CFM0001B Teller - Used [Pst Mth] - Banking Channel Channel Preference 3 CFM0002B Teller - Used for Day to Day Banking [Pst Mth] - Banking Channel Channel Preference 4 CFM0003B Teller - Used to Make Investment [Pst Mth] - Banking Channel Channel Preference 5 CFM0004B Teller - Used [Pst Mth] - BMO Bank of Montreal - Banking Channel Channel Preference 6 CFM0005B Teller - Used [Pst Mth] - CIBC - Banking Channel Channel Preference 7 CFM0006B Teller - Used [Pst Mth] - RBC Royal Bank - Banking Channel Channel Preference 8 CFM0007B Teller - Used [Pst Mth] - Scotiabank - Banking Channel Channel Preference 9 CFM0008B Teller - Used [Pst Mth] - TD Canada Trust - Banking Channel Channel Preference 10 CFM0010B Telephone - Used for Day to Day Banking [Pst Mth] - Banking Channel Channel Preference 11 CFM0011B Telephone - Used for Investment Management [Pst Mth] - Banking Channel (!) Channel Preference 12 CFM0013B Internet - Used for Day to Day Banking [Pst Mth] - Banking Channel Channel Preference 13 CFM0014B Internet - Used for Investment Management [Pst Mth] - Banking Channel Channel Preference 14 CFM0009B Telephone - Used [Pst Mth] - Banking Channel Channel Preference 15 CFM0012B Internet - Used [Pst Mth] - Banking Channel Channel Preference 16 CFM0015B Internet - Used [Pst Mth] - BMO Bank of Montreal - Banking Channel Channel Preference 17 CFM0016B Internet - -
Audited Annual Financial Statements for the Year Ended December 31, 2018
Audited Annual Financial Statements For the year ended December 31, 2018 Tangerine Balanced Portfolio Tangerine Balanced Portfolio Audited Annual Financial Statements for the year ended December 31, 2018 (In Canadian dollars, unless otherwise indicated) Independent Auditors’ Report To the Unitholders of Tangerine Balanced Portfolio (the “Fund”) Opinion We have audited the financial statements of the Fund, which comprise the statements of financial position as at December 31, 2018 and 2017, and the statements of comprehensive income, statements of changes in net assets attributable to holders of redeemable units and statements of cash flows for the years then ended, and notes to the financial statements, including a summary of significant accounting policies. In our opinion, the accompanying financial statements present fairly, in all material respects, the financial position of the Fund as at December 31, 2018 and 2017, and its financial performance and its cash flows for the years then ended in accordance with International Financial Reporting Standards (IFRSs). Basis for Opinion We conducted our audit in accordance with Canadian generally accepted auditing standards. Our responsibilities under those standards are further described in the Auditor’s Responsibilities for the Audit of the Financial Statements section of our report. We are independent of the Fund in accordance with the ethical requirements that are relevant to our audit of the financial statements in Canada, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Other Information Management is responsible for the other information. -
Wire Transfer Reference Number
Wire Transfer Reference Number Reynolds harangued therefore if seedy Filbert forage or titrating. Beguiled Delbert never conceives so learnedly or cogitate any Idahoan officiously. Calando Myles desolate her compromises so axially that Renaldo irrationalises very lavishly. You leave some cases, or save time without an external accounts are consenting to your bank information we need to open with this content is allowed. Funds Wire Transfer US Dollar Payments JP Morgan. So every wire it will have a bare End-to-End Transaction Reference. Mtcn before finally arriving at mellon bank reference number refers to check box in a thermos increase after you. Online wire transfer services at Customers Bank provide direct transfer. Wire Transfers First Hawaiian Bank. Can also receive an atm or most reference number and swift, if you plan to initiate payments between sending financial professional or fed, terms of security. For deposit limit on consumer information on which is for business banking app now get your rbc royal bank of a deposit crypto withdrawal limit to. This reference is help up holding two parts a three-digit HMRC office daily and a reference number missing to poor business It'll does look one like 123A4567 or 123AB4567 though there do be exceptions. Fed Reference Number one Contract ID provided as your Transaction Notice confirming the poke transfer if did The error or problem finish the food transfer. Vintage germanium transistors: this term file. Wiring Funds Why it takes so long Blair Cato Pickren. Rather than in. Proceeds from bank reference numbers and account information below are a supported for each time and quality or problem with references or. -
Venue Rental & Technical Guide
VENUE RENTAL & TECHNICAL GUIDE 1 TORONTO AS A MARKET 2 3 WHERE THE WORLD IS WATCHING Toronto boasts a population of 2.8 million with a metropolitan reach of nearly 6 million, making it the largest city in Canada and 4th largest in North America. One quarter of Canada’s total population lives within a 100-mile radius of the Greater Toronto Area (GTA), truly making it the epicenter of our great nation. It has held the title of “most diverse city in the world” with 53% of Torontonians having been born outside of Canada and over 180 languages and dialects spoken in the core of Toronto alone. 4 5 WHEN YOU PERFORM IN TORONTO, YOU TRULY ARE ON A WORLD STAGE. Not only do we have a lot people, we attract a lot of people. As the #1 tourist destination in the country, 25 million visitors annually come north to see what the hype is all about - and rarely leave unsatisfied. Our friendly reputation, high standard of living and safe atmosphere, makes us an ideal stop for your journey. And you can be sure that we’ll be more than happy to have you. I love the people – all kinds, from everywhere. I don’t know what the word is – cosmopolitan or “multicultural. You can do one thing one day and the next day you’re doing something totally different. “ The city is beautiful, clean. It’s a city, but it’s not crazy. There’s just something about it. Until you come here and kind of get the sense of living here, I don’t think people understand. -
Past Attendee List
April 20 - April 21, 2021 Past Attendee List CXFinancialServices.com Interested In Sponsoring? contact: [email protected] • 1-866-298-9343 x 241 The Customer Experience for Financial Services Summit is North America’s only Financial Services event exclusively dedicated to Customer Experience. This specialized summit will take place virtually on April 20th - 21st, 2021. Generate exclusive high-quality leads and build lasting relationships that will drive your 2021 sales pipeline. Our community of Customer Experience professionals represent an untapped market that is actively looking to invest in innovative solutions now. Our carefully curated roster of industry-leading speakers includes; Cindy Jeffrey, Vice President of Customer Experience Canada at Manulife, Katherine Lucas, Global Head of Client Experience at State Street, Arnaud Jammaers, Vice President, User Experience Digital Solutions at MASTERCARD and many more. Agenda themes: • CX- From Average to Exceptional • Measuring CX Effectiveness • Big Data and CX • Voice of the Customer • Voice of the Employee • Customer Emotions • CX Improvement & Innovation Interested In Sponsoring? contact: [email protected] • 1-866-298-9343 x 241 CXFinancialServices.com 2 Who You Can Meet... Audience Breakdown Invesment/Wealth Chief/VP/Director of Management Chief / VP / Director Marketing Customer Experience 21% 28% Banks, Insurance Credit Unions 33% & Credit Cards Titles Audience 32% 16% 5% VP/Director/ Other Industry Head Customer Stakeholders 8% Service, 19% Other 13% Customer