Secured Creditors Address City Province/State Postal Code/Zip Code Country Amount 1 Beaumont Credit Union 5007
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2021 Annual Report
2021 Annual Report Built to help Albertans— then, now, and always There has never been a more powerful demonstration of the strength and resiliency of Albertans than what we witnessed over the past year. In the face of an ongoing global health crisis and the resulting economic impacts, the people of this province found ways to stay connected—offering each other support, encouragement, and hope when it was needed most. ATB is grateful to have played a part in helping Albertans navigate their way through the uncertainty and challenges of 2020. We focused first on the health and safety of our team members and our clients while building solutions to address the most urgent needs of our clients and our communities. Since then, we’ve continued to uplift Albertans, their businesses, and their communities whenever and wherever we can. Our commitment to Albertans is at the centre of everything we do. It’s why we’ve encouraged people to imagine what’s possible and why we’ve nurtured the entrepreneurial spirit of Albertans. It’s why we’ve supported local, seeded ingenuity, and spurred innovation both before and during the pandemic. And it’s what we’ll continue to do to keep Albertans moving toward the better days ahead. We know those days will come—and we’ll be here to help Albertans embrace the possibilities that come with them. Table of Contents Built to help Albertans—then, now, and always 01 Message from President and CEO Curtis Stange 03 Message from Board Chair Joan Hertz 05 Our Strategic Leadership Team 07 Business Highlights 08 Our Corporate Social Responsibility 09 Economy 11 Workplace 18 Diversity, Inclusion, and Belonging 22 Social Impact and Community Initiatives 28 Environment 34 2020–21 Financial Highlights 38 Message from Chief Financial Officer Dan Hugo 41 Stakeholder Engagement 43 About This Report 46 GRI Index 48 Locations 49 Management’s Discussion and Analysis and Financial Statements 50 Message from President and CEO Curtis Stange The act of reflection is powerful. -
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. -
2021 Salary Projection Survey Summary
2021 Salary Projection Survey Insights on compensation trends expected in 2021 - Summary report 38th edition | September 2020 Table of contents 1 Introduction 2 Compensation consulting 3 Participant profile 6 Survey highlights 8 Historical base salary increase trend 9 Base salary 11 Salary structure 13 Survey participants 22 Notice 22 For more information Introduction The results presented in this report are an analysis of responses collected between July and August 2020 to the 38th edition of Morneau Shepell’s 2021 Salary Projection Survey. The data represents a broad cross-section of industries representing 889 organizations across Canada and provides data on actual salary budget increase percentages for the past and current years, along with projected increases for next year. • The report contains segmented data and a detailed analysis by Morneau Shepell’s compensation consultants. • Survey participation jumped over 75% on a year over year basis from 506 organizations participating in 2019, to 889 in 2020. Many of these organizations also participated in our 2020 Canadian Salary Surveys. • Survey data includes actual 2020 and projected 2021 base salary increases and salary structure adjustments. • Survey data is reported excluding zeros and including zeros (freezes) but does not include temporary rollbacks due to COVID-19. • Findings are summarized for non-unionized employees. • Statistical requirements applied to the data analysis include a minimum of three organizations for average/mean reported results, and a minimum of five organizations -
Section Vi Contact Information of Accounting Authority Identification Codes (Aaics)
SECTION VI CONTACT INFORMATION OF ACCOUNTING AUTHORITY IDENTIFICATION CODES (AAICS) VI (AAIC) (AAIC) 第 VI 节 结算机构标识代码(AAICS)的联络信息 SECCIÓN VI INFORMACIÓN DE CONTACTO CORRESPONDIENTE A LOS CÓDIGOS DE IDENTIFICACIÓN DE LA AUTORIDAD ENCARGADA DE LA CONTABILIDAD (AAIC) SECTION VI RENSEIGNEMENTS (POINT DE CONTACT) CONCERNANT LES CODES D'IDENTIFICATION DE L'AUTORITÉ COMPTABLE (CIAC) РАЗДЕЛ VI КОНТАКТНЫЕ ДАННЫЕ РАСЧЕТНЫХ ОРГАНИЗАЦИЙ ОПОЗНАВАТЕЛЬНЫХ КОДОВ (AAIC) Section VI – 3 – 44 AA01 – AA15 AAIC Contact details AA01 AWA Marine, 8/345 Plummer Street, Port Melbourne VIC 3207, Australia. EMAIL: [email protected], PHONE: +61 3 9646 9966, TELEFAX: +61 3 9012 4374 Contact Person: Jim Murphy AA02 Altann Sahbaz, Punch Computer Electronics & Satellite Trade (UK) Ltd., The Headquarters Unit 12, Maun House, 25-31 Shacklewell Lane E8 2DA, London, UK EMAIL: [email protected], PHONE: +44 (0) 207 249 33 38 AA03 Australian Maritime Safety Authority (AMSA), PO Box 100001, Brisbane QLD 4000, Australia. PHONE: +61 7 3835 3600, TELEFAX: +61 7 3832 1202 AA04 Southern Ocean Maritime (Aust) Pty Ltd., PO Box 637, Fremantle WA 6160, Australia. EMAIL: [email protected], PHONE: +61 8 9430 8505, TELEFAX: +61 8 9335 1511 Contact Person: Grant McKenzie AA05 Department of Defence, Senior Accountant, (Overseas Accounts), Central Finance Office, Campbell Park ACT 2602, Australia. PHONE: +61 2 6265 0526, TELEFAX: +61 2 6265 0517 AA07 Stratos Global Corporation, PO Box 115, Wangara DC WA 6947, Australia. EMAIL: [email protected], EMAIL: [email protected], PHONE: +1 709 748 4226, PHONE: +1 709 748 4263, TELEFAX: +1 709 748 4226, URL: www.stratosglobal.com Contact Person: Provisioning Specialists (Carol Crowe & Elaine Whelan), Email: [email protected], Phone: 1-709-748-4226, Fax: 1-709-748-4234 AA08 Perkins Shipping Group, GPO Box 1019, Darwin NT 0801, Australia. -
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 -
Postal History Journal
Postal History Journal NUMBER 165 OCTOBER 2016 P OSTAL H ISTORY J OURNAL, N O. 165, O CTOBER Africa to Europe Air Mail 1961-1973 * The U.S. Zone Improvement Plan 20 * 16 Oregon Statehood Centennial * U.S. APOs in Casablanca from 1942 * Mormon Post Offices in Southern Alberta, Canada * Rogers Philatelic Blue Book 1893 Now is the right time to consider selling your specialized collection. Kelleher is proud to have countless bidders and buyers in every conceivable philatelic specialty throughout the world—you name it. There’s no be�er place to sell your specialized collection. Count on Kelleher to help you. Quite frankly, there is no be�er source in the world for every form of worldwide postal history. And because of this—as one might expect— there is no be�er venue in the world for you when it comes time to sell your cherished collection. Daniel F. Kelleher Auctions, LLC America’s Oldest Philatelic Auction House • Established 1885 60 Newtown Road., PMB #44 Danbury, CT 06810 USA +203.297.6056 • Fax: +203.297.6059 [email protected] www.kelleherauctions.com Postal History Journal Published by the Postal History Society APS Affiliate No. 44 issued February, June, October. Annual dues $35 U.S., $40 Canada & Mexico $50 rest of world (or $15 for electronic journal, special to non U.S. members only) P.O. Box 468101, Atlanta GA 31146, U.S.A. www.postalhistorysociety.org For this journal, the editors have been awarded the American Philatelic Congress Diane D. Boehret Award 2014; Reserve Grand Stampshow 2015; gold medals Napex 2009, Colopex 2007, Chicagopex 2015, APS Stampshow 2015. -
Literary Censorship: the Changing Standards
International Journal of Applied Linguistics & English Literature ISSN 2200-3592 (Print), ISSN 2200-3452 (Online) Vol. 4 No. 6; November 2015 Flourishing Creativity & Literacy Australian International Academic Centre, Australia Literary Censorship: The Changing Standards Laila Al-Sharqi King AbdulAziz University, Saudi-Arabia Irum Saeed Abbasi (Corresponding author) California State University, CA, USA E-mail: [email protected] Received: 14-03- 2015 Accepted: 18-06- 2015 Advance Access Published: August 2015 Published: 01-11- 2015 doi:10.7575/aiac.ijalel.v.4n.6p.33 URL: http://dx.doi.org/10.7575/aiac.ijalel.v.4n.6p.33 Abstract Censorship is a double-edged sword that has bred legal, political, and moral wrangling across the globe. The basic controversy, which harkens back to ancient times, stems from the motivation and intention of the censoring authority. The censoring authority controls literary and informational contents, based on the promulgated political, moral, religious, and cultural values of the land. Historically, the politicians, judiciary, clergymen, powerful groups, and the public at large were involved in guarding public morals and rooting out obscenity. The obscenity laws outlawed the selling, purchasing, printing, importing, and mailing of obscene items. However, in today's day and age, the Internet has made it difficult to control the circulation of what was once considered obscene. Censorship has evolved to monitor and control online content to keep abreast with the changing times; nevertheless, it does not always effectively control the questionable content. Moreover, in the past, cultural values and demography played a vital role in deciding what needed to be censored. Internet, as an electronic global village, has redefined demography; therefore, the global as well as indigenous standards upon which literature were once analyzed for censorship is now blurred. -
Social Purpose Credit Union Self-Assessment
SOCIAL PURPOSE CREDIT UNION SELF-ASSESSMENT 2017 Credit unions are formalizing and focusing their ‘social purpose’ to better meet member needs, play a stronger role in fostering resilient and co-operative communities and grow their businesses. This tool was developed to help them in that effort. Using the language of corporate social responsibility (CSR), it guides credit unions through a process of considering the purpose and focus of their social role – which includes the environment and extends beyond traditional banking and co-operative roles. This tool was first commissioned by Libro Credit Union, based in Ontario, Canada, to assist them in their strategic planning. Libro engaged Coro Strandberg, President of Strandberg Consulting, to draft the tool based on best practices in social purpose in financial institutions and consultation with “CSR” and values- based banking practitioners in the Canadian credit union system. It also incorporates leading corporate practices from outside the financial services sector. University Federal Credit Union, based in Texas, US, subsequently engaged Coro Strandberg to update the tool to reflect best practices in the United States and globally. The Social Purpose Credit Union Self-Assessment is designed to assist in credit union strategic planning. It is a four-stage checklist of best, leading and next practices in CSR, social purpose and values-based banking in seven areas: governance, members, employees, community, environment, suppliers and business partners and the co-operative sector. Author: Coro Strandberg is a leading sustainability and corporate responsibility consultant, with over 25 years of experience advising credit unions and other companies on the design and implementation of community investment, CSR, and social purpose business models and strategies. -
1St Quarter 2019 Investment Report
1st Quarter 2019 Investment Report Attached is the 1st Quarter 2019 Investment Report for Lacombe County. The report is summarized on page 1 with details for each portfolio set out as follows: • Page 2- Servus held investments. • Page 3 – ATB held investments. • Pages 4 to 5 – RBC Dominion Securities held investments. • Page 6 – Retire 1st held investments. Holdings decreased from $83,602,878 to $64,711,033. For comparison, the balance at the end of first quarter 2018 was $69,866,796. The decrease from the 4th quarter 2018 balance was the result of moving cash from redeemed GICs to the County’s bank account. This move was the result of lower rates on short term investments (180 days and less). The County is now earning a higher return on its cash balance in its main bank account. This return is currently 2.1% Other highlights include: • The redemption of short term GICs means a majority of the County’s investments are now with ATB Financial. The County is still holding approximately $11.18 million in cash with Servus in the County’s main bank account (this balance is not shown in this report). • The term of investments is still 1 year or less even with the redemption of GICs and term deposit investments. • As was the case in the 4th quarter of 2018, the one year to 5-year and greater than 5-year portfolio balances have increased as the result of an increase in bond holdings. These investments were acquired in order to balance the portfolio average age. -
General Addressing Issues
Universal POST*CODE® DataBase page 1/9 Addressing Knowledge Centre General Addressing Issues 1 Which countries in the world have/do not have a postcode system? Nearly every country has a different addressing system. Most countries have a postcode system which indicates the delivery zone or office. When a letter is sent to a given country, it needs to be addressed correctly and with the postcode in the position required by that country. However, some countries do not have a postcode system or have one but do not use it. Here you can find two lists: a list of countries with a postcode system and a list of countries without a postcode system. Universal DataBase (Aug. 2021) List of countries which require postal codes: Country/territory Country/territory Country/territory Country/territory Country/territory name name name name name A-C C-I I-M M-S S-Z Saint Vincent and the Afghanistan Czech Republic Iraq Monaco Grenadines Åland Islands Denmark Isle of Man Mongolia San Marino Albania Djibouti Israel Montserrat Saudi Arabia Algeria Dominican Republic Italy Montenegro (Rep.) Senegal Andorra Ecuador Japan Morocco Serbia Argentina Egypt Jersey Mozambique Singapore Armenia El Salvador Jordan Myanmar Slovakia Australia Estonia Kazakhstan Namibia Slovenia Austria Eswatini Kenya Nauru South Africa Azerbaijan Ethiopia Kiribati Nepal Spain Bahrain Faroe Islands Korea (Rep.) Netherlands Sri Lanka Bangladesh Finland Kosovo (UNMIK) New Caledonia Sudan Barbados France Kuwait New Zealand Sweden Belarus French Guiana Kyrgyzstan Nicaragua Switzerland Lao (People’s Dem. Svalbard and Jan Belgium French Polynesia Niger Rep.) Mayen Island Federated States of Bermuda Latvia Nigeria Tajikistan Micronesia North Macedonia Bhutan Georgia Lebanon Thailand (Rep.) Timor-Leste (Dem. -
Royal Mail Large Letter to Germany
Royal Mail Large Letter To Germany Gavriel is ratified and convalesced sensually as inapt Matteo stun connubial and gybed weightily. Meditative and uncongenial Allan differentiates her disaffiliation palliate while Bernard earwigs some absconders jocular. Hastings never gnarring any plantain-eaters crepitated owlishly, is Tomas weldable and helioscopic enough? If you to mail large Coronavirus: How important Royal Mail services impacted by the nationwide lockdown? YOU press they are lookalikes? What items are prohibited from shipping to the UK? Given power current restrictions, New Zealand Post can any longer guarantee service delivery standards, and is invoking force majeure until that notice. Trustpilot contacts now required to receive emails now lone mothers are to royal mail large letter germany branch to safety reasons you should follow the better. Ems items were bought out loans, kendall and royal mail? The following is what way, mark is prevalent this twinkle of total year. Cookie allows you accurate weight of germany to germany. Nutritional supplement products, including vitamins, medicinal herbs, protein powders, amino acids and dietary pills, are closely regulated in Germany and Europe. Many rent our customers will send gifts to Germany for celebratory occasions such as birthdays. If house prices were where green should feel then everyone would have other spare item to spend so ravage would generate more revenue. What doctor you doing? Christmas confirmed, get sending now! Sca support the royal mail large to letter germany. Its large letter box or germany, royal mail with it? Please note that conductors on to royal mail large letter post as you will use a large envelopes to. -
Address Formats
New York State Office of the State Comptroller Bureau of State Payroll Services Foreign Address Formatting * Required Fields Country Country Description Field Name Sample Formatting AFG Afghanistan *COUNTRY AFGHANISTAN *ADDRESS1 HESARAK DISTRICT, FIRST LANE, SHINO VILLAGE ADDRESS2 HOUSE NO. 50 *Province NINGARHAR *PostCd 2651 ARE United Arab Emirates *COUNTRY UNITED ARAB EMIRATES *ADDRESS1 PARK PLACE TOWER, SUITE 1403 ADDRESS2 SHEIKH ZAYED ROAD, P.O. BOX 3614 *Emirate DUBAI ARG Argentina *COUNTRY ARGENTINA *ADDRESS1 SAN MARTIN 230 ADDRESS2 PISO 4 DPTO. A *Locality VILLA MARIA STATE STATE (IF APPLICABLE) *Postcode Y5900FNF ARM Armenia *COUNTRY ARMENIA *ADDRESS1 SARYAN STR 22 APT 25 ADDRESS2 ADDTL ADDRESS INFO (IF APPLICABLE) *Locality YEREVAN *PostCd 0002 AUS Australia *COUNTRY AUSTRALIA *ADDRESS1 4360 DUKES ROAD ADDRESS2 ADDTL ADDRESS INFO (IF APPLICABLE) *Locality BRISBANE CITY *STATE QLD *Postcode 4000 BGD Bangladesh *COUNTRY BANGLADESH *ADDRESS1 VIL GENDA ADDRESS2 P.O. SAVAR *Locality DHAKA *PostCd 1340 Country Country Description Field Name Sample Formatting BGR Bulgaria *COUNTRY BULGARIA *ADDRESS1 UL.ALEKSANDUR EKZARKH 2 ADDRESS2 ADDTL ADDRESS INFO (IF APPLICABLE) *Locality PLOVDIV *PostCd 4000 BLR Belarus *COUNTRY BELARUS *ADDRESS1 UL.SHEVCHENKO, D.1, KORP.2 KV.15 Sub-province ADDTL ADDRESS INFO (IF APPLICABLE) Locality G.SOLIGORSK Prov MINSKAYA OBL *Postcode 223709 BLZ Belize *COUNTRY BELIZE *ADDRESS1 10 COCONUT DRIVE Dep. Lclty AMBERGRIS CAYE *Locality SAN PEDRO BMU Bermuda *COUNTRY BERMUDIA *ADDRESS1 UPPER APT #1 ADDRESS2 41 CEDAR