Canadian Western Bank Payout Request
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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. -
From Next Best to World Class: the People and Events That Have
FROM NEXT BEST TO WORLD CLASS The People and Events That Have Shaped the Canada Deposit Insurance Corporation 1967–2017 C. Ian Kyer FROM NEXT BEST TO WORLD CLASS CDIC—Next Best to World Class.indb 1 02/10/2017 3:08:10 PM Other Historical Books by This Author A Thirty Years’ War: The Failed Public Private Partnership that Spurred the Creation of the Toronto Transit Commission, 1891–1921 (Osgoode Society and Irwin Law, Toronto, 2015) Lawyers, Families, and Businesses: A Social History of a Bay Street Law Firm, Faskens 1863–1963 (Osgoode Society and Irwin Law, Toronto, 2013) Damaging Winds: Rumours That Salieri Murdered Mozart Swirl in the Vienna of Beethoven and Schubert (historical novel published as an ebook through the National Arts Centre and the Canadian Opera Company, 2013) The Fiercest Debate: Cecil Wright, the Benchers, and Legal Education in Ontario, 1923–1957 (Osgoode Society and University of Toronto Press, Toronto, 1987) with Jerome Bickenbach CDIC—Next Best to World Class.indb 2 02/10/2017 3:08:10 PM FROM NEXT BEST TO WORLD CLASS The People and Events That Have Shaped the Canada Deposit Insurance Corporation 1967–2017 C. Ian Kyer CDIC—Next Best to World Class.indb 3 02/10/2017 3:08:10 PM Next Best to World Class: The People and Events That Have Shaped the Canada Deposit Insurance Corporation, 1967–2017 © Canada Deposit Insurance Corporation (CDIC), 2017 All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, without the prior written permission of the publisher. -
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 -
Pacific & Western Bank of Canada
PACIFIC & WESTERN BANK OF CANADA Notice of Annual and Special Meeting of Shareholders and Management Proxy Circular Wednesday, April 27, 2016 London, Ontario PACIFIC & WESTERN BANK OF CANADA NOTICE OF ANNUAL AND SPECIAL MEETING OF SHAREHOLDERS APRIL 27, 2016 TAKE NOTICE that the Annual and Special Meeting of Shareholders (the “Meeting”) of PACIFIC & WESTERN BANK OF CANADA (the “Bank”) will be held at the London International Airport, Pacific & Western Bank of Canada’s Innovation Centre of Excellence, 1979 Otter Place, London, Ontario on Wednesday, April 27, 2016, at 11:30 a.m. for the following purposes: 1. to receive the financial statements for the fiscal year ended October 31, 2015 and the report of the auditors thereon; 2. to elect directors for the ensuing year; 3. to appoint auditors for the ensuing year and to authorize the directors of the Bank to fix their remuneration; 4. to consider, and if deemed advisable, to confirm a special resolution approving an amendment to section 4.1 of By-Law No. 1 of the Bank relating to fixing the number of directors of the Bank (the “Number of Directors Resolution”); 5. to consider, and if deemed advisable, to confirm a special resolution approving an amendment to section 9.6 of By-law No. 1 of the Bank relating to director remuneration (the “Director Remuneration Resolution”); 6. to consider and, if deemed advisable, to approve a special resolution to change the Bank’s name from Pacific & Western Bank of Canada to VersaBank (the “Name Change Resolution”); 7. to re-approve the existing Stock Option Incentive Plan of the Bank (the “Stock Option Incentive Plan Resolution”); and 8. -
Rule D4 Institution Numbers and Clearing Agency/Representative Arrangements
RULE D4 INSTITUTION NUMBERS AND CLEARING AGENCY/REPRESENTATIVE ARRANGEMENTS 2021CANADIAN PAYMENTS ASSOCIATION This Rule is copyrighted by the Canadian Payments Association. All rights reserved, including the right of reproduction in whole or in part, without express written permission by the Canadian Payments Association. Payments Canada is the operating brand name of the Canadian Payments Association (CPA). For legal purposes we continue to use “Canadian Payments Association” (or the Association) in these rules and in information related to rules, by-laws, and standards. RULE D4 – INSTITUTION NUMBERS AND CLEARING AGENCY/REPRESENTATIVE ARRANGEMENTS TABLE OF CONTENTS IMPLEMENTED ............................................................................................... 3 AMENDMENTS PRE-NOVEMBER 2003 ........................................................ 3 AMENDMENTS POST-NOVEMBER 2003 ..................................................... 3 INTRODUCTION ................................................................................................................. 6 ELIGIBILITY......................................................................................................................... 6 INSTITUTION NUMBERS ................................................................................................... 6 AMALGAMATION AND ACQUISITION .............................................................................. 6 NON-MEMBER ENTITIES .................................................................................................. -
Canadian Western Bank
CANADIAN WESTERN BANK ANNUAL INFORMATION FORM DECEMBER 3, 2014 TABLE OF CONTENTS FORWARD-LOOKING STATEMENTS ...................................................................................................................................... 1 CORPORATE STRUCTURE ..................................................................................................................................................... 2 Name, Address and Incorporation ........................................................................................................................................... 2 Intercorporate Relationships ................................................................................................................................................... 2 GENERAL DEVELOPMENT OF THE BUSINESS ........................................................................................................................ 2 Three-Year History ................................................................................................................................................................... 2 DESCRIPTION OF THE BUSINESS ........................................................................................................................................... 4 General .................................................................................................................................................................................... 4 SUPERVISION AND REGULATION ........................................................................................................................................ -
Depreciation Report and Insurance Appraisal Specified Property Of
DEPRECIATION REPORT AND INSURANCE APPRAISAL SPECIFIED PROPERTY OF: Strata Plan VAS2893 767 North Road Gibsons, BC Prepared by: Pacific Rim Appraisals Ltd. 550-2950 Douglas Street Victoria, BC V8T 4N5 and #2-57 Skinner Street Nanaimo, BC V9R 5G9 PREMISE OF VALUE AND EFFECTIVE DATE Depreciation Report with 3 Models – April 1, 2013 (Next Fiscal Year) Replacement Cost New for Insurance Purposes – February 16, 2013 Strata Council for VAS2893 February 22, 2013 767 North Road Gibsons, BC To Whom It May Concern: RE: 26 Unit Strata Complex located at 767 North Road, Gibsons, B.C. Strata Plan VAS2893 As requested, we have completed a depreciation report estimate for the improvements utilizing the most recent data available. The effective date of the depreciation report is based on an inspection date of January 5, 2013. The date of next fiscal year of April 1, 2013 is the effective start date for the study. The table below contains Pacific Rim Appraisals Ltd. recommended schedule of payments for the next three years. Failure to follow the proposed schedule of payments may result in inadequate reserve funds or require the use of special levy in the future which is against the intent of the legislation. Model No. 1 Funding based on current contribution of $2,500 increased by multi-family construction inflation only currently estimated at 2.2%. Special levies would be required in years 2018 to 2043. Model Not Recommended by Pacific Rim Appraisals Ltd. Yr. 2013 Yr. 2014 Yr. 2015 Yr. 2016 Year 2017 to 2043 $2,500 $2,555 $2,611 $2,727 See Page 8 of Model 1 Model No. -
Alberta Securities Commission Page 1 of 2 Reporting Issuer List - Cover Page
Alberta Securities Commission Page 1 of 2 Reporting Issuer List - Cover Page Reporting Issuers Default When a reporting issuer is noted in default, standardized codes (a number and, if applicable a letter, described in the legend below) will be appear in the column 'Nature of Default'. Every effort is made to ensure the accuracy of this list. A reporting issuer that does not appear on this list or that has inappropriately been noted in default should contact the Alberta Securities Commission (ASC) promptly. A reporting issuer’s management or insiders may be subject to a Management Cease Trade Order, but that order will NOT be shown on the list. Legend 1. The reporting issuer has failed to file the following continuous disclosure document prescribed by Alberta securities laws: (a) annual financial statements; (b) an interim financial report; (c) an annual or interim management's discussion and analysis (MD&A) or an annual or interim management report of fund performance (MRFP); (d) an annual information form; (AIF); (e) a certification of annual or interim filings under National Instrument 52-109 Certification of Disclosure in Issuers' Annual and Interim Filings (NI 52-109); (f) proxy materials or a required information circular; (g) an issuer profile supplement on the System for Electronic Disclosure By Insiders (SEDI); (h) a material change report; (i) a written update as required after filing a confidential report of a material change; (j) a business acquisition report; (k) the annual oil and gas disclosure prescribed by National Instrument -
ATB Financial Response: February 12 Standing Committee on Public Accounts for FY2018-19 Results
ATB Financial response: February 12 Standing Committee on Public Accounts for FY2018-19 results Thank you for the opportunity to respond to the six questions that arose during the Standing Committee on Public Accounts on February 12. Unfortunately, the committee overlapped with our ATB Board committee meetings in Calgary where we needed to attend to present our Q3 results, and we were confident in having Treasury Board and Finance speak to our FY2018-19 results as they have historically done at Public Accounts every year. As the committee focused on FY2018-19 results, it is important to note that this was a highly unusual year due to the Alberta economy. As you know ATB Financial is based in Alberta. Our competitors, including the Big 5 and Canadian Western Bank respectively operate primarily in other provinces and jurisdictions around the world. The geographic difference plays a meaningful role in net income in years when the Alberta economy is struggling as was the case in 2019 with the Canadian GDP at 1.7% and Alberta's substantially lower at 0.4%. Simply by virtue of having economies of scale and the nature of operations (i.e., international activities, plus expanded service offerings such as wholesale banking & capital markets), the impact of the Alberta economy is felt differently by our competitors. A knock-on effect of a struggling provincial economy is ATB’s loan loss provisions, and as should be expected, they are more variable than our competitors primarily due to our geographic concentration in Alberta. As reviewed by the Alberta Superintendent of Financial Institutions (ASFI), please be assured that ATB’s small business underwriting is sound and following good industry practices. -
Growth Potential of Bank Stocks; Security of a GIC BMO® Select GIC
Growth potential of Bank Stocks; Security of a GIC BMO® Select GIC February 2015 - Series 94 Term 3 Years 100% Principal Protected Minimum Investment $1000 Maximum Rate of Return for the Term 9.00% (3.00% annually*) Overview Is this GIC right for you? This medium term GIC allows you to participate in the growth This GIC may be right for you if you: potential of Canadian bank stocks with no risk to your principal are looking to diversify your portfolio with a medium term investment. It offers the potential to generate returns based on investment the performance of the S&P/TSX Banks Index. would like principal protection are willing to forego a guaranteed return for the potential to Reference Portfolio earn higher market-linked returns S&P/TSX Banks Index can keep your money invested until the end of the term Comprised of: Bank of Montreal Canadian Imperial Bank of Commerce Key Benefits Royal Bank of Canada Bank of Nova Scotia This GIC is an excellent way for you to gain access to the Toronto-Dominion Bank potential returns on Canadian bank stocks with the security of National Bank of Canada principal protection. Laurentian Bank of Canada Canadian Western Bank Principal protection - 100% of your original investment is Home Capital Group Inc. returned to you at maturity Genworth MI Canada Inc. Higher return potential based on the performance of the S&P/TSX Banks Index Designed in partnership with BMO Capital Markets®, a market leader in creating innovative investment solutions Guaranteed by Bank of Montreal Eligible for Canada Deposit Insurance Corporation (CDIC) deposit insurance up to applicable limits Growth potential of Bank Stocks; Security of a GIC BMO® Select GIC Contact Us Visit your local BMO Bank of Montreal branch and speak to an investment professional Visit us online at bmo.com/progressivegic Call BMO Bank of Montreal Customer Contact Centre at 1 877 CALL BMO (1 877 225-5266) BMO Select GICs are issued by Bank of Montreal Mortgage Corporation and guaranteed by Bank of Montreal. -
NAME TYPE ENHANCED 1934 First American Bank Banks and Credit
NAME TYPE ENHANCED 1934 First American Bank Banks and Credit Cards 1st Bank Banks and Credit Cards 1st Bank Credit Card (First Data) Banks and Credit Cards 1st Century Bank Banks and Credit Cards Access National Bank Banks and Credit Cards Alliant Credit Union Banks and Credit Cards Ally Bank Banks and Credit Cards Alpine Bank (Colorado) (Business) Banks and Credit Cards Alterna Savings Banks and Credit Cards Amazon.ca Rewards Visa from Chase Banks and Credit Cards America First Credit Union Banks and Credit Cards American Airlines Aviator Business Card Banks and Credit Cards American Express (Canada) Banks and Credit Cards YES American Express (USA) Banks and Credit Cards YES American Express Merchant Services (EUR) Banks and Credit Cards American Funds (Individual) Banks and Credit Cards American Heritage Federal Credit Union Banks and Credit Cards American National Bank and Trust (Virginia) Banks and Credit Cards American Riviera Bank Banks and Credit Cards Anchor Bank Banks and Credit Cards ANZ (NZ) Banks and Credit Cards Arvest Bank Banks and Credit Cards Assiniboine Credit Union Banks and Credit Cards Associated Bank Banks and Credit Cards ATB Financial (Business) Banks and Credit Cards YES ATB Financial (Personal) Banks and Credit Cards Atlantic Capital Bank Banks and Credit Cards Bank of America Banks and Credit Cards YES Bank of Ann Arbor (Business) Banks and Credit Cards YES Bank of Belleville Banks and Credit Cards Bank of Hawaii (Business) Banks and Credit Cards Bank of North Carolina Banks and Credit Cards Bank of Oklahoma -
Gicrates.Pdf
GIC Rates / Taux de rendement annuel des CPG - 9/24/2021 Short Term Fixed GICs 90 Day 180 Day 270 Day Royal Bank of Canada Short-Term 0.15% 0.25% 0.25% Cashable GICs 30 Day 1 Year Cashable GICs Royal Bank of Canada Cashable 0.10% RBMC Cashable 0.10% Fixed 1Y - 5Y Term GICs 1 Year 2 Year 3 Year 4 Year 5 Year Royal Bank of Canada 0.40% 0.81% 1.08% 1.31% 1.37% Royal Bank Mortgage Corp. 0.40% 0.81% 1.08% 1.31% 1.37% Royal Trust Company 0.41% 0.79% 1.06% 1.31% 1.36% Royal Trust Corporation 0.40% 0.81% 1.08% 1.31% 1.37% Bank of Montreal 0.25% 0.81% 1.08% 1.31% 1.37% Bank of Montreal Mortgage Corp 0.25% 0.81% 1.08% 1.31% 1.37% Bank of Nova Scotia 0.40% 0.80% 1.07% 1.31% 1.36% B2B Bank 0.75% 1.05% 1.45% 1.55% 1.65% Canadian Tire Bank 0.25% 0.50% 0.60% 0.70% 1.65% Canadian Western Bank 0.88% 0.95% 1.60% 1.61% 1.62% Canadian Western Trust 0.88% 0.95% 1.60% 1.61% 1.62% Duo Bank 0.30% 0.60% 1.60% 1.73% 2.00% Effort Trust 0.60% 1.35% 0.70% 0.70% 0.70% Equitable Bank 0.91% 1.36% 1.60% 1.71% 2.00% General Bank of Canada 0.40% 0.75% 1.01% 1.27% 1.32% HSBC Bank 0.45% 0.70% 0.90% 1.10% 1.30% HomeEquity Bank 0.75% 1.35% 1.58% 1.72% 2.00% Home Trust Company 0.89% 1.38% 1.59% 1.71% 2.00% ICICI Bank 0.70% 1.20% 1.60% 1.70% 2.00% KEB Hana Bank Canada 0.46% 0.60% 0.65% 0.70% 1.34% Laurentian Bank 0.75% 1.05% 1.45% 1.55% 1.65% LBC Trust 0.75% 1.05% 1.45% 1.55% 1.65% Manulife Bank 0.45% 0.85% 1.15% 1.40% 1.60% Manulife Trust 0.45% 0.85% 1.15% 1.40% 1.60% Montreal Trust 0.40% 0.80% 1.07% 1.31% 1.36% NATCAN Trust Co (NBC) 0.40% 0.79% 1.06% 1.27% 1.36% National Bank of Canada 0.40% 0.79% 1.06% 1.27% 1.36% VersaBank 0.70% 0.95% 1.45% 1.55% 1.65% People's Trust 0.71% 1.02% 1.14% 1.29% 1.44% SBI Canada Bank 0.61% 0.86% 1.10% 1.42% 1.66% VANCITY Credit Union 0.70% 0.95% 0.95% 1.05% 1.10% HIGHEST 0.91% 1.38% 1.60% 1.73% 2.00% LOWEST 0.25% 0.50% 0.60% 0.70% 0.70% AVERAGE 0.55% 0.91% 1.19% 1.36% 1.52% Rates as of 9/24/2021.