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INVEST in LOW BUSINESS WORK and LIVE TAX RATES Canada Ranked First Among 60 Countries for Quality of Life

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INVEST in LOW BUSINESS WORK and LIVE TAX RATES Canada Ranked First Among 60 Countries for Quality of Life PROFIT PERFORMANCE STABILITY PROFIT PERFORMANCE INNOVATION DIVERSITY DIVERSITYINV STABILIEST TIYN PROFIT PERFORMANCE INNOVATION PROFIT DIVERSITY STABILITY STABILITY DIVECANADA’SRSI COMPETITIVETY INN ADVANTAGESOVATION PROFIT DIVERSITY STABILITY PROFIT PERFORMANCE INNOVATION PROFIT DIVERSITY STABILITY PERFORMANCEFINANCIAL INNOVA SERVICESTION DIVERSITY PROFIT PERFORMANCE STABILITY PROFIT PERFORMANCE STABITLITY PROFIT DIVERSITY STABILITY DIVERSITY INNOVATION PROFIT PERFORMANCE STABITLITY PROFIT DIVERSITY CANADA’S FINANCIAL ONE OF THE STRONGEST BANKING SERVICES SECTOR SYSTEMS IN THE WORLD In 2016-2017, the World Canada has one of the strongest financial- FINANCIAL Economic Forum ranked services sectors in the world, comprised of TECHNOLOGY SECTOR banks, trust and loan companies, insurance Canada’s banking system companies, credit unions, securities dealers, According to the Canadian Bankers the third soundest in the finance and leasing companies, pension- Association, in 2015, Canada’s largest fund managers, mutual-fund companies six banks spent $10 billion on technology—an world. Two of the world’s and independent insurance agents and amount forecast to increase to $14.8 billion by top 20 strongest banks brokers. Finance and insurance activity 2018. Much of Canada’s financial-technology (Canadian Imperial Bank contributed $120.1 billion to GDP1 and sector is based in the Toronto-Waterloo employed 721,457 Canadians2 in 2016. Foreign corridor, Montreal, Calgary and Vancouver, of Commerce and direct investment in Canada’s financial and and is strongly linked to the major banks, Desjardins Group) insurance industries reached an accumulated leading universities and a thriving start-up $121.5 billion in 20163. Combined with culture. In both regions, labs, incubators and are Canadian, according to prudent regulatory oversight, this stable, accelerators, such as Ryerson Digital Media Bloomberg Markets 2015. diversified and well-funded base means Zone and MaRS in Toronto and the Generator significant growth opportunities for foreign in Vancouver, are well situated to enable rapid, Additionally Global Finance investors. The Canadian banking sector distraction-free innovation. Furthermore, places six Canadian banks includes 32 domestic banks, 25 foreign-bank companies in the sector leverage the wealth among the 9 safest in North subsidiaries, 28 full-service foreign-bank of payment-processing resources available in branches, four foreign-bank lending branches Canada, including: Canadian Prepaid Providers America. These findings and 18 foreign-bank representative offices.4 Organization, Canadian Payments Association, reflect the sector’s continued Fintech Association of Canada, Interac, MasterCard and Visa. Canada is a global strong performance. VIBRANT leader in fostering innovation and company INSURANCE SECTOR creation in the financial-technology sector. Two factors that support this leadership are Three Canadian life and health insurers— the rapid adoption of new technologies by Manulife Financial, Great-West Life Assurance top Canadian banks, and active investment Co. and Sun Life Financial Inc.—are among the in the sector by leading Canadian venture- world’s 20-largest life and health-insurance capital funds such as OMERS Ventures firms. Additionally there are over 100 life and and Information Venture Partners. 1 Statistics Canada CANSIM health insurance providers in Canada with total tables 379-0031 assets of $721.2 billion5. In 2016, Canada’s insurance industry employed 218,836 people6. 2 Statistics Canada, CANSIM tables 281-0024 ASSET AND WEALTH 3 Statistics Canada, CANSIM Table MANAGEMENT 376-0052, FDI in Canada, finance and Insurance, Book value. Canadian capabilities encompass all aspects 4 Office of the Superintendent of asset and wealth management—financial of Financial Institutions planning, portfolio management, retail banking, estate planning, financial-statement 5 Canadian Life and Health analysis, asset and stock selection, plan Insurance Association implementation and monitoring of investments. 6 Statistics Canada, CANSIM In Canada, 140 hedge-fund management Table 281-0024. companies manage over $35 billion in assets (Alternative Investment Management 7 Investment Funds Institute of Canada Association), as well Canadians invested over $1.4 trillion in mutual funds as of May 20177. FINANCIAL SERVICES CANADA’S FINANCIAL SERVICES SECTORS is spread out across the CLUSTERS country, with large hubs GREENLAND in Toronto, Montréal, ALASKA Calgary and Vancouver. (USA) YUKON NORTHWEST NUNAVUT TERRITORIES NEWFOUNDLAND & LABRADOR BRITISH COLUMBIA ALBERTA MANITOBA QUEBEC Edmonton SASKATCHEWAN Saskatoon Vancouver PRINCE EDWARD ONTARIO ISLAND Calgary Québec City NOVA SCOTIA Winnipeg Ottawa Halifax UNITED STATES OF AMERICA Montréal NEW BRUNSWICK Waterloo Toronto London Niagara BRITISH COLUMBIA: Vancity, Agricultural Bank of China, HSBC, ONTARIO: Bank of China, Barclays Capital, ICICI Bank, Zafin, SnapFinancial, VeriClaim, CTBC Bank Corp, Versant Ventures, Korea Exchange Bank, State Bank of India, AGF Management, Global Aerospace, KEB Hana Bank, Macquarie Capital Markets. Canadian Imperial Bank of Commerce, Manulife, Royal Bank of Canada, Sun Life, TMX Group, TD Canada Trust, Citigroup, ALBERTA: Canadian Western Bank, Goldman Sachs, Acumen Industrial and Commercial Bank of China, Macquarie Group, Capital, FirstEnergy Capital, Peters & Co, Société Générale, Shopify, Financeit, Phoenix Interactive, D+H, Nymi, SecureKey, UAE Exchange Centre, Kohlberg Kravis Roberts, TCI Business RateHub, Square, Bank of Nova Scotia. Capital, Azure Capital Partners, Burns & Wilcox Canada. QUEBEC: Merrill Lynch, Bank of Montreal, Desjardins Group, SASKATCHEWAN: Assante Wealth Management, Edward Jones Laurentian Bank of Canada, Banque Transatlantique, Canada, Cashco Financial, PFM Capital Inc, Conexus. BNP Paribas, Crédit Agricole, Blockstream, Lightspeed Retail, MANITOBA: IGM Financial, Great West Life, Wawanesa Mutual National Bank of Canada, Wells Fargo & Company, VeriClaim, Insurance Company, Manitoba Public Insurance Corporation, Gold Finance, Attijariwafa Bank, Charles Taylor Adjusting, National Leasing Company. R3 Funding, White Star Capital. NOVA SCOTIA: Citco, Maitland, Wagepoint, Jardine Lloyd Thompson, Butterfield Fulcrum, Burns & Wilcox. NEW BRUNSWICK: Assumption Life, ING Direct. NEW FOUNDLAND AND LABRADOR: Verafin. RECENT INVESTMENTS PRINCE EDWARD ISLAND: Invesco. In 2017, VeriClaim [Subsidiary of Sedgwick Claims Management], In 2017, US-based PayPal, an online In 2016, XL Catlin’s global a global provider of loss adjusting payments company, opened a new professional business of XL Group, and claims management solutions office in Toronto, Canada. The company an Ireland-based insurance and expanded its Canadian operations will operate out of a 725 sq. m space reinsurance company established by opening offices in Montreal and has created 25 new jobs. a new office in Toronto, Canada. (Quebec), Edmonton (Alberta) and Richmond (British Columbia). CANADA’S ADVANTAGES SOUND REGULATORY ENVIRONMENT Canada’s financial-services sector is built on a strong foundation of regulatory frameworks that integrate banking, investment and insurance sub-sectors. Canada’s regulator, the Office of the Superintendent of Financial Institutions, meets regularly with the nation’s largest financial institutions ONE OF THE LARGEST to ensure they remain sound and stable, CAPITAL MARKETS and the whole financial sector is subject IN THE WORLD to annual review by the Bank of Canada. Foreign investors can rely on deep capital markets in Canada. As of February 2015, the EDUCATION, SKILLS Toronto Stock Exchange had the greatest AND RESEARCH number of security listings of any exchange in North America and the second-most The financial-services industry is one of the listings worldwide. In 2015, the Toronto largest employers in Canada, with a workforce Stock Exchange and TSX Venture were of 721,457 in 2016 and Canadian banks alone ranked second in terms of the number of employed over 371,000 people8. The country new listings, according to data from the has a world-class system of higher education, World Federation of Exchanges. Canada is with 25 Canadian universities ranking in the also an important global equity market in top-600 worldwide, and finance programs specific niches, such as mining and oil and available at the undergraduate and graduate gas, and the TMX Group is a world leader levels. The 2017 Financial Times’ Global in the number of listed mining, oil and gas, MBA Rankings included three Canadian and technology and innovation companies. business schools among the world’s top 100. CANADA OFFERS “We are excited with the growth EXTREMELY potential of the Canadian market. ADVANTAGEOUS COST Our Canadian expansion is the ENVIRONMENT next step in CCG’s objective in providing industry-leading equipment Canada’s cost environment for professional services is extremely advantageous. finance and leasing solutions from According to KPMG Competitive a regional full-service footprint.” Alternatives 2016, Canada has the — Dan McDonough, Co-Founder and Chief lowest cost structure in the G7. Executive Officer, Commercial Credit Group 8 Statistics Canada, CANSIM Table 281-0047, Employment for all employees, 522-Credit intermediation and related activities. INNOVATION SUPPORT PROGRAMS » Waterloo Research Institute in INNOVATION Insurance (WatRISQ), Securities Innovation is the driving force behind and Quantitative Finance (University Canada’s prosperity, standard of living of Waterloo,
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