Superintendent of Pensions Locked-In RRSP List
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Win a $100 Prepaid Credit Card 2018 Collabria Fall Campaign Contest Rules ***
Win a $100 Prepaid Credit Card 2018 Collabria Fall Campaign Contest Rules *** 1 CONTEST TIMELINE The contest is held by Collabria Financial Services Inc., and runs on October 15, 2018, 12:00:00 AM (ET) and ends on November 15, 2018, 11:59:59 PM (ET) (“Contest Period”). All time references in these Rules refer to Eastern Daylight Time. One (1) random draw (“Draw”) per Credit Union Affiliate for the Prize will be held at Collabria Financial Services Inc. (280-1414 8th Street S.W., Calgary, AB, T2R 1J6) on November 16, 2018 by a Contest Sponsor’s representative, in the presence of witnesses. 2 Sponsor and Administrator The Contest is sponsored and administered by Collabria Financial Services Inc. (“Contest Sponsor”). 3 ELIGIBILITY The Contest is open only to legal residents of Canada (excluding Québec) who are eighteen (18) years of age or older (or the legal age of majority in their province of legal residence) as of October 15, 2018, 12:00:00 AM (ET). 4 WHO ARE NOT ELIGIBLE TO ENTER THE CONTEST? Residents of the province of Québec, as well as Collabria Financial Services Inc., Zag Bank, or Desjardins employees: directors, officers and representatives of Desjardins Financial Group, of La Fédération des caisses populaires de l’Ontario Inc., their member caisses, subsidiaries and any other Desjardins Financial Group entity, their suppliers of materials and services related to this promotion and any other agent directly linked to this Contest, and all other persons with whom these employees, directors, officers and representatives live are NOT eligible to participate. p.1 You are NOT eligible to enter/win the contest if you are currently a director of a Credit Union Affiliate; or the spouse/common-law partner of a director of a Credit Union Affiliate. -
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 -
Notes to the Consolidated Financial Statements
Annual Report / 2018 Central 1 Credit Union Annual Report 2018 | 2 Contents 2018 in Review Report from the Board of Directors ...... 3 Message from the President & CEO ...... 5 Financial and Governance Review Management’s Discussion and Analysis ...... 7 Schedule A — Corporate Governance ...... 53 2018 President and CEO Compensation ...... 84 Consolidated Financial Statements ...... 86 Notes to the Consolidated Financial Statements ...... 97 Credit Unions in British Columbia and Ontario ...... 161 Contact Information ...... 162 Central 1 Credit Union | 3 / William (Bill) Kiss, Chair of the Board Board ofBoard Directors Report from the As we boldly move forward to meet the disruption and challenges ahead of us in the financial industry, at Central 1, we’re focused on delivering results that benefit the whole system and the long-term viability of Canadian credit unions. In 2018, Central 1’s Board and leadership identified our aspiration through 2023 to enable credit union excellence, leadership and impact through a healthy, high-performing central. To support our success as an organization, we’re increasing our focus on organizational health to foster innovation, accountability and a mindset for agility in all areas of our business. We are here to serve our members – to build relationships, find collaborative solutions, and deliver products that give clients a competitive edge – yet we understand the need to evolve as we move forward. We’re cultivating a strong and flexible organization that will engage our members and clients and learn from each obstacle and opportunity as the future unfolds. In support of our system leadership role, we fully transitioned the dues-funded government relations and marketing and research to Canadian Credit Union Association (CCUA) to align key service functions. -
Conventions De Garde
Conventions de garde Gestionnaires de fonds approuvés au mai 31, 2021 Gestionnaires de fonds Pays Type de Produits Fonds visé par la convention 1 1832 Asset Management L.P. (Dynamic Funds) Canada Fonds comm. de place./Fonds de couver / LSF's Includes Deposit accounts 2 3IQ CORP. Canada Fonds de fonds 3IQ Corp. 3 Aberdeen Global Services S.A. Outre-mer Fonds commun de placement Aberdeen Global Funds Aberdeen Global II Funds 4 Accilent Capital Management Inc. Canada Fonds comm. de place./Fonds de fonds/Société à r Capsure Hedged Oil and Gas Income & Growth Trust 5 Acker Finley Asset Management Inc. Canada Fonds commun de placement QSATM Funds 6 ACM Advisors Ltd. Canada Fonds d’investissements hypothécaires ACM Commercial Mortgage Fund 7 Addenda Capital Inc. Canada Fonds de fonds Addenda Pooled Funds 8 ADS Canadian Bank Canada CPG / Compte d'epargne-placement 9 AGAWA Fund Management Inc. Canada Société à responsabilité limitée AGAWA Fund I Limited Partnership 10 AGF Investments Inc. Canada Fonds comm. de place. / Fonds de fonds Acuity Pooled funds Acuity family of mutual funds AGF Pooled funds AGF Elements family of mutual funds Harmony family of mutual funds AGF family of mutual funds 11 AHF Capital Partners Inc. Canada Fonds comm. de place/Fonds de couverture/Fonds AHF Credit Opportunities Fund - Series A, F and I 12 AIP Asset Management Inc. Canada Société à responsabilité limitée AIP Convertible Private Debt Fund LP 13 Aldergrove Credit Union Canada Certificats de placements garantis 14 Algonquin Capital Corporation Canada Société à responsabilité limitée 15 Alignvest Capital Management Inc. Canada Fonds de couverture 16 Alignvest Investment Management Corporation Canada Fonds de fonds 17 Alitis Investment Counsel Inc. -
2019 Annual Report | Outlook & Strategy
20 19 ANNUAL REPORT Outlook & Strategy WHO WE ARE First West is one of Canada’s leading member-owned financial co-operatives. Our core business is traditional banking, the provision of personal daily banking and financial advice, and business banking services and business advice. We exist to simplify lives and help our members and communities thrive. Our 1,400 employees strive to create real value for our members by keeping banking simple, through low or no-cost daily account products, competitive lending facilities, segment-tailored service and financial advice, and innovative online and digital experiences. With more than $14 billion in total assets and assets under management and over 250,000 members, we’re British Columbia’s third-largest credit union. Our 50 branches give us the largest geographic reach among credit unions in the province. WE WORK BIG IN ORDER TO WORK MORE LOCAL First West was formed in 2010 through the merger of Envision Credit Union and Valley First Credit Union, but our roots date back to 1946. We’ve experienced considerable growth since 2010, as likeminded credit unions like Enderby & District and Island Savings joined First West and we continued to bring new, innovative products and services to market through our locally known and trusted brand divisions. Our collective size, strength and local expertise enables us to create greater value for our members and communities. Find more information about First West and our multi-brand business model online at www.firstwestcu.ca. OUR BUSINESS RETAIL FINANCIAL SERVICES First West offers a full suite of personal banking services and products, including chequing and savings accounts, term deposits, loans, lines of credit, letters of credit, mortgages, credit cards and registered savings accounts. -
Alterna Savings and Credit Union Ltd. 842 Brunswick Cr
SECTION I NUMERIC LIST MEMBERS / LISTE NUMÉRIQUE DES MEMBRES 1 ALTERNA SAVINGS AND CREDIT UNION LTD. 842 Routing Numbers / Numéros d'acheminement Electronic Paper(MICR) Électronique Papier(MICR) Postal Address - Addresse postale 084200646 00646-842 ALTERNA SAVINGS AND CREDIT UNION LTD, Westboro Branch, 319 McRae Avenue, Ottawa, ON K1Z 0B9 BRUNSWICK CR. UNION FEDERATION LTD. 849 Routing Numbers / Numéros d'acheminement Electronic Paper(MICR) Électronique Papier(MICR) Postal Address - Addresse postale 084907964 07964-849 BCUF-STABILIZATION BOARD, 421 CHARLES LUTES ROAD, Lutes Mountain, NB E1G 2T5 084917054 17054-849 ADVANCE SAVINGS CREDIT UNION, 141 Weldon St., P.O. Box 92, Moncton, NB E1C 8R9 084917104 17104-849 New Brunswick Teachers' Association, 2-153 Harvey Road, McAdam, NB E6J 1A1 084917294 17294-849 BAYVIEW CREDIT UNION (WEST) LTD, West Branch, 46 Main Street, 46 Main Street West, Saint John, NB E2M 3N1 084917344 17344-849 PROGRESSIVE CREDIT UNION, 106 Richmond Street, Unit 1, P.O. Box 55, Woodstock, NB E7M 2N9 084927004 27004-849 ATLANTIC CENTRAL, 663 Pinewood Road, P.O. Box 1025, Riverview, NB E1B 5R6 084927384 27384-849 ADVANCE SAVINGS CREDIT UNION (PPT), 960 St. George Blvd., Moncton, NB E1E 3Y3 084937094 37094-849 BEAUBEAR CREDIT UNION, 376 Water Street, P.O. Box 764, Miramichi, NB E1V 3V4 084937664 37664-849 BAYVIEW CREDIT UNION, Administration & Executive, 57 King Street, Saint John, NB E2L 1G5 084947184 47184-849 BEAUBEAR CREDIT UNION, 202 Pleasant Street, P.O. Box 764, Miramichi, NB E1V 3V4 084957084 57084-849 THE CREDIT UNION LTD, 422 William Street, Dalhousie, NB E8C 2X2 084957134 57134-849 BLACKVILLE CREDIT UNION, 128 Main Street, Blackville, NB E9B 1P1 084957324 57324-849 ADVANCE SAVINGS CREDIT UNION, Advance Savings Credit Union, 47 Main Street, Petitcodiac, NB E4Z 4L9 084967034 67034-849 BAYVIEW CREDIT UNION LTD, Westmorland Roadbranch, 550 Main Street, Hampton, NB E5N 6C3 084967174 07013-839 OMISTA CREDIT UNION, 494 Queen Street, P.O. -
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 -
2019 Annual Report Mission the Assiniboine Park Conservancy Exists to Enhance the Assiniboine Park Experience for Present and Future Generations
2019 Annual Report Mission The Assiniboine Park Conservancy exists to enhance the Assiniboine Park experience for present and future generations. 1 Vision 2 Capital Development and Refurbishment 3 Zoo News 4 New Initiatives 4 Awards and Recognition 6 Capital Campaign Highlights 7 Education Programs 8 Conservation and Research 9 Sustainability Initiatives 10 Community Events and Engagement PHOTOS, COVER - Family admires polar bear display at Zoo 11 Staff and Volunteer Resources Lights Festival; BELOW - Visitors enjoy summer entertainment 12 Financial Statements at the Lyric Theatre (Mike Peters, courtesy of Tourism 16 Donor Listing Winnipeg). OPPOSITE - Margaret Redmond (President & CEO) and Hartley Richardson (Chair, Board of Directors). CELEBRATING A DECADE OF TRANSFORMATION In 2009, the Assiniboine Park Conservancy unveiled a visionary redevelopment plan that has transformed Assiniboine Park and Zoo. Ten years later, as we look back on the decade, we are reminded of the many exciting milestones we have celebrated together, including: • January 2011 opening of the expanded Riley Family Duck Pond • May 2011 opening of the Nature Playground and Streuber Family Children’s Garden • June 2011 opening of the Shirley Richardson Butterfly Garden • November 2011 opening of the Qualico Family Centre and Park Café • January 2012 opening of the Leatherdale International Polar Bear Conservation Centre • February 2013 opening of the Tundra Grill and Polar Playground • October 2013 first orphaned polar bear cub (Aurora) arrives at the Zoo • July 2014 opening of the Journey to Churchill exhibit • August 2015 opening of the McFeetors Heavy Horse Centre • September 2016 re-opening of The Pavilion art galleries and launch of WAG@ThePark • July 2017 sod-turning for The Leaf and Canada’s Diversity Gardens, attended by Prime Minister Trudeau, Premier Pallister, and Mayor Bowman We are now in the final major phase of this historic redevelopment. -
“Newcomer Phone Directory” Winnipeg, Manitoba
CANADIAN RELOCATION SYSTEMS “NEWCOMER PHONE DIRECTORY” WINNIPEG, MANITOBA ALL NUMBERS ARE AREA CODE (204) UNLESS OTHERWISE NOTED. Print this handy directory and use it during your move to Winnipeg. Support us and make sure to tell them that you got the information from Canadian Relocation Systems ACCOUNTANTS/LAWYERS The Law Society of Manitoba: 204-942-5571 The Institute of Chartered Accountants of Manitoba: 204-942-8248 APARTMENT RENTALS http://relocatecanada.com/easyrent.html ART,ENTERTAINMENT,ACTVITIES Birchwood Art Gallery: 1-800-822-5840 The Upstairs Gallery: 943-2734 Winnipeg Art Gallery: 786-6641 Winnipeg Recreation Services: 986-5287 Folk Art Council of Winnipeg: 962-6210 Red River Exhibition Association: 888-6990 Splash Dash Water Services: 783-6633 The Forks National Historic Site: 983-6757 Manitoba Theatre Centre: 942-6537 Winnipeg Symphony Orchestra: 949-3950 Rainbow Stage: 989-5261 IMAX Theatre: 956-4629 The Manitoba Museum of Man and Nature: 956-2830 Western Canada Aviation Museum: 775-4761 WINNIPEG BUSINESS Sentinel Storage Winnipeg North, # 11 Paramount Road: 694-9578 Sentinel Storage Winnipeg South, 3101 Pembina Highway: 269-8800 Winnipeg Chamber of Commerce: 944-8484 Copperfields Computer Books: 477-1961 Hook, Line & Sinker: 475-5124 Economic Development Winnipeg: 944-2000 Shapes Women's Fitness Centre: 989-6682 The Exchange BIZ: 942-6716 COMMUNITY SERVICES City of Winnipeg,General Information: 986-2171 Winnipeg Transit Service Information: 986-5700 City of Winnipeg Library:986-6450 City of Winnipeg, Animal Services: -
A Guide to Canada Emergency Business Account (CEBA)
A Guide to Canada Emergency Business Account (CEBA) Overview: Originally launched on April 9, 2020, CEBA is intended to support businesses by providing financing for their expenses that cannot be avoided or deferred as they take steps to safely navigate a period of shutdown, thereby helping to position businesses for successful relaunch when the economy reopens. This $55 billion program provides interest-free loans of up to $40,000 to small businesses and not-for-profits. Repaying the balance of the loan on or before December 31, 2022 will result in loan forgiveness of 25 percent (up to $10,000). As of June 26, 2020, businesses eligible for CEBA now include owner-operated small businesses that do not have a payroll, sole proprietors receiving business income directly, as well as family-owned corporations remunerating in the form of dividends rather than payroll. This means that more small businesses can access it. Applicants with $20,000 or less in payroll in 2019 will have to demonstrate having Eligible Non-Deferrable Expenses between Cdn.$40,000 and Cdn.$1,500,000 in 2020. Expenses are considered “Eligible Non-Deferrable Expenses” if they were already incurred in January and/or February 2020, or are due to a legal or contractual obligation as at March 1 and cannot be avoided or deferred beyond 2020 even during a period of shut down and depressed revenues as a result of COVID. CEBA is not intended to provide income support, or support for variable operating expenses to businesses. CEBA applicants agree that the government may conduct audits to confirm the nature of the expenses applicants use to establish their eligibility for CEBA, and acknowledge that inaccuracies may lead to legal consequences. -
Salute to Organizations Table of Contents
2 0 11 Salute to ORGANIZATIONS TABLE OF CONTENTS Corporate Workplace Cornerstones .................... 2 Top 50 ............................... 18 Campaign Labour............................... 19 Chair’s Award .................... 2 Leading Employee Campaign Organizations .................... 20 Chair Award ...................... 4 Outstanding Canvasser Team/ Workplace Campaign ........ 24 Canvasser Award .............. 4 Workplace Quantum Best Leap Award ....................... 28 in Show ............................. 4 Workplace Community Builders Pacesetters ....................... 30 of Distinction .................... 5 United Corporate In Action ........................... 32 Circle of Success ............... 6 New Workplace Corporate Campaign .......................... 33 Quantum Leap Award ....... 10 Day of Corporate Caring ............................... 35 Pacesetters ....................... 12 Leadership Corporate Match .............. 15 Development Program ...... 37 First Time Corporate Gift Award ....... 17 THANK YOU WINNIPEG! Winnipeggers understand all about teamwork. We know we can do much more to create positive change in our community when we work together; pooling our strengths, knowledge and resources to enhance our leverage and deepen our impact. Together, we have made a lot of things possible that would not have happened otherwise. In 2011, we raised $19.7 million to change lives through United Way. This book is filled with hundreds of reasons why United Way is able to reach out to Winnipeggers when they need help