The Investment Industry Regulatory Organization of Canada is the national self-regulatory organization which oversees all investment dealers and trading activity on debt and equity marketplaces in Canada.  Created in 2008 through the consolidation of the Investment Dealers Association of Canada and Market Regulation Services Inc., IIROC sets high quality regulatory and investment industry standards, protects investors and strengthens market integrity while maintaining efficient and competitive capital markets.  IIROC carries out its regulatory responsibilities through setting and enforcing rules regarding the proficiency, business and financial conduct of dealer firms and their registered employees and through setting and enforcing market integrity rules regarding trading activity on Canadian equity marketplaces.

Mandate

We set and enforce high quality regulatory and investment industry standards, protect investors and strengthen market integrity while maintaining efficient and competitive capital markets.

Vision

We will be known for our integrity, our transparency and our fair and balanced solutions. We aim for excellence and regulatory best practices. Our actions are driven by sound, intelligent deliberation and consultation.

IIROC is the national self-regulatory organization which oversees all investment dealers and trading activity on debt and equity marketplaces in Canada.  Created in 2008 through the consolidation of the Investment Dealers Association of Canada and Market Regulation Services Inc., IIROC sets high quality regulatory and investment industry standards, protects investors and strengthens market integrity while maintaining efficient and competitive capital markets.  IIROC carries out its regulatory responsibilities through setting and enforcing rules regarding the proficiency, business and financial conduct of dealer firms and their registered employees and through setting and enforcing market integrity rules regarding trading activity on Canadian equity marketplaces.

Qtrade Investor is Canada’s leading independent online brokerage, providing online brokerage solutions to the customers of over 180 financial institutions across Canada. Headquartered in Vancouver, Qtrade Investor is a member of the Investment Dealers Association of Canada and the Canadian Investor Protection Fund (”CIPF”). CIPF coverage protects the holdings in customer accounts of its members up to $1,000,000 per qualifying account.

Our continuing goal is to build a successful and long-lasting relationship with you, our customer, by consistently meeting your investment needs and exceeding your expectations. Each member of the Qtrade Investor team is dedicated to providing you with outstanding customer service and support. We are dedicated to providing individual attention to help you plan, pursue, and achieve financial security. Whether you are a first-time investor or a seasoned trader, Qtrade Investment Representatives have the experience and skills necessary to provide you with the exceptional customer service you deserve.

Superior Selection…..Competitive Prices

Qtrade Investor is committed to offering the widest possible product selection, at competitive rates. Our experienced team is qualified to anticipate your needs – but more than that, we are ready to meet those needs on an ongoing basis, as your financial priorities and circumstances change and evolve. To ensure your satisfaction with the Qtrade Investor online securities trading platform, we are committed to:

• Providing the highest possible standards of customer service.
• Ensuring that our website is easy to use, quick and reliable.
• Offering customers a full range of investments and investing tools.
• Maintaining low commission rates.

We are here to help you take charge of your financial future.

As Canada’s leading independent online brokerage, Qtrade Investor is committed to providing you with the products and services you need to achieve success.

We offer you a wide range of investments to choose from:

	Investment Choices:
	Canadian and US Stocks Canadian, US and corporate bonds Canadian and US T-Bills 2,400+ Mutual Funds Options (including LEAPS and bond options)		New Issues Canada Savings Bonds Strip coupon bonds Commercial Paper Rights and Warrants

Contact:

PHONE 1-877-Qtrade-0 (1-877-787-2330) or (604) 605-4199 Available Monday to Friday 8:30 am until 8 pm (EST). FAX (604) 484-2627 MAIL Qtrade Investor Suite 1920, One Bentall Centre 505 Burrard Street Box 85 Vancouver, BC V7X 1M6

NON-TECHNICAL EMAIL info@qtrade.ca Please include your name and phone number in your email. Please note that the Qtrade Investor neither accepts nor discloses confidential customer account information via email. This includes password-related inquiries, trade instructions and address changes. TECHNICAL ASSISTANCE EMAIL techsupport@qtrade.ca Please include your name and phone number in your email. Please note that the Qtrade Investor neither accepts nor discloses confidential customer account information via email. This includes password-related inquiries, trade instructions and address changes.

The Interactive Brokers Group, Inc. (”IBG”) , through its subsidiaries, operates as an automated global electronic market maker and broker specializing in routing orders and executing and processing trades in securities, futures and foreign exchange instruments across over 70 electronic exchanges and trading venues worldwide. Our shares are listed on the NASDAQ Global Select Market under the stock ticker “IBKR”.

We invite you to review our website to access financial statements, press releases and FAQs as our goal is to be as comprehensive as possible with respect to the information we make readily available. Should you be unable to locate the information you’re looking for directly, you may contact us via email or telephone by clicking here. Please note that email inquiries are typically responded to on the same day and telephone inquiries received via voicemail generally within 24 hours.

Interactive Brokers Group, Inc. was founded by its Chairman and CEO Thomas Peterffy. Over the last 32 years, it has grown internally to become one of the premier securities firms with over $4 billion in equity capital.

Interactive Brokers conducts its broker/dealer and proprietary trading businesses on over 70 market destinations worldwide. In its broker dealer agency business, IB provides direct access (”on line”) trade execution and clearing services to institutional and professional traders for a wide variety of electronically traded products including stocks, options, futures, forex, bonds and funds worldwide. In its proprietary trading business IB engages in market making for its own account in about 6,500 different electronically traded products. Interactive Brokers Group and its affiliates execute approximately 1,000,000 trades per day.

Interactive Brokers’ headquarters are in Greenwich Connecticut, and it has about 650 employees in its offices in the USA, Switzerland, Canada, Hong Kong, UK, Australia, Hungary, Russia and Estonia. IB is regulated by the SEC, FINRA, NYSE, SFA and other regulatory agencies around the world.

Contact:

Questions or comments for the Investor Relations Department from private investors, institutional investors or analysts may be submitted by email or telephone. The department hours are Monday through Friday from 9:00 to 17:00 Eastern time, excluding U.S. holidays. To contact us by telephone, toll free within the U.S., dial 1 (888) 919-0022; direct or outside the U.S. dial 1 (312) 542-6890. To contact us by email, please fill out and submit the form below.

Please note that we typically respond to email inquiries on the same day and telephone inquiries received via voicemail generally within 24 hours. We look forward to hearing from you.

RBC’s five business segments are:

Canadian Banking
Wealth Management
International Banking
Capital Markets
Insurance

Canadian Banking

Canadian Banking provides personal and business financial services in Canada. Through our leading national distribution network and the most valuable brand in Canada, we reach approximately 10 million clients through our extensive branch and ATM network, proprietary and specialized sales forces, online channels and contact centres. This segment is headed by Dave McKay.

• RBC Royal Bank
• RBC Direct Investing

Wealth Management

Wealth Management businesses serve affluent and high net worth clients around the world and provide asset management and estate and trust services directly to clients and through internal partners and third-party distributors. This segment comprises Canadian Wealth Management, U.S. & International Wealth Management and Global Asset Management. We are a market leader in Canadian wealth and asset management, and we have strong and growing businesses in the U.S. and internationally. With more than 4,000 financial consultants, advisors, private bankers and trust officers in 24 countries, we help clients grow, protect and transfer their wealth. This segment is headed by George Lewis.

• RBC Dominion Securities
• RBC Asset Management Inc.
• RBC Estate and Trust Services
• RBC Wealth Management, International
• RBC Private Counsel
• RBC Wealth Management, US
• Voyageur Asset Management Inc.

  Voyageur Asset Management Inc. offers equity and fixed income investment strategies under the Voyageur and Tamarack names. A registered investment advisor, headquartered in Minneapolis, Minnesota, Voyageur offers investment strategies to institutions as well as individuals, through Voyageur Institutional Services and Advisory Service Divisions.

International Banking

International Banking comprises our banking businesses in the U.S. and Caribbean, and global custody and investor services, which we provide through our 50% ownership in RBC Dexia Investor Services. This segment is headed by Jim Westlake.

• RBC Bank
• RBC Builder Finance
• Caribbean Banking
• RBC Dexia

Capital Markets

Our diverse Capital Markets businesses provide corporate, government, and institutional advice, capital, and access to the world’s financial markets and innovative products to help them achieve their growth objectives. By leveraging our leadership position in Canada, we have built a strong and growing U.S. mid-market capital markets franchise. Outside North America, we have established ourselves as a leading provider of global financial services and are recognized as a top 15 global investment bank. Notable areas of strength include global fixed income distribution capabilities, structuring and trading, and foreign exchange. In addition, we continue to build our global capabilities in energy, mining and infrastructure finance. This segment is headed by Doug McGregor and Mark Standish.

• RBC Capital Markets

We provide Canadians with improved access to insurance choices through a wide range of insurance solutions including life, health, travel, home, auto, and creditor insurance services to individual and business clients. These products are distributed through third-party channels including independent life insurance advisors and travel agents as well as through our growing proprietary channels such as retail insurance branches, bank branches, call centres, online, and our career sales force. In the U.S., we offer life insurance, annuity products and travel insurance. Outside North America, we operate a specialty reinsurance business. This segment is headed by Jim Westlake.

• RBC Insurance
• RBC Liberty Insurance

ATB Financial (”ATB”) is a full-service financial institution headquartered in Edmonton, Alberta, Canada. ATB commenced operations in 1938 and, today, with total assets of $24.5 billion, ATB is the largest Alberta-based financial institution.

ATB is a cornerstone in communities throughout Alberta. In fact, it is the sole financial institution in 118 Alberta communities. Access points include 162 branches and 133 agencies in 244 communities throughout the province, plus our own Customer Contact Centre in Calgary. Services are also available through a network of Automated Banking Machines (ABMs) across Alberta, Internet and Telephone. A workforce of more than 4,800 associates provides Personal and Business Financial Services, Corporate Financial Services, and Investor Services to over 660,000 Albertans and Alberta-based businesses.

ATB has built strong customer relationships in the pursuit of its vision to be Alberta’s first choice for financial services. ATB’s goal is to ensure that we deliver the best value to each customer through a competent, professional, and engaged team of associates to provide a fair return for our Shareholder, the Province of Alberta.

History

ATB was established in 1938, by the Government of Alberta to extend basic financial services to Albertans. Our first branch opened on September 29, 1938 in Rocky Mountain House. ATB became a provincial Crown Corporation in October 1997 under the authority of the Alberta Treasury Branches Act Chapter A-37.9, 1997 and Treasury Branches Regulation 187/97. In January 2002, we launched our new corporate identity, ATB Financial. This new identifier confirms the business we are in – providing a full range of financial services to Alberta – and reconfirms our commitment to the people of our province.

“Albertans Investing in Alberta” is a publication that covers the history of ATB Financial from 1938 to 1999.

ATB operates under a Board of Directors appointed by the Lieutenant Govenor in Council, and had investment, liquidity and risk standards comparable to other financial institutions.

Memberships

• Canadian Payments Association
• Interac Association
• MasterCard Canada

Networks

• Interac®
• Alberta Regional Network® (ARN)
• NYCE
• Cirrus®

To find out more…please surf our website, or contact us at:

ATB Financial
ATB Place
9888 Jasper Avenue
Edmonton, Alberta T5J 1P1
Phone: 1-800-332-8383 or (780) 408-7000

The Business Development Bank of Canada offers financing, consulting services, subordinate financing and venture capital. We focus on small and medium-sized enterprises (SMEs).

BDC’s services are available across Canada in both official languages through a network of more than 100 offices. Its head office is in Montreal.

Our mission

Help create and develop Canadian businesses through financing, venture capital and consulting services, with a focus on small and medium-sized enterprises (SMEs).
Our vision
Accelerate entrepreneurs’ success.

In fact, we’re solely dedicated to Canadian entrepreneurs. We have a nationwide team helping more than 28,000 businesses reach their full potential.

Who we are

• Close to 65 years serving Canadian entrepreneurs
• Pan-Canadian presence
• Special focus on SMEs, in sectors such as manufacturing, exporting, innovation and knowledge-based industries
• Catalyst for commercialization
• Complementary role
• Financial institution owned by the Government of Canada

What we do

• Help build Canadian business capacity
  • Financing: long-term loans for projects and working capital
  • Subordinate financing: hybrid debt and equity financing
  • Venture capital: direct and indirect investments in high technology companies
  • Consulting services: tailored, quality consulting services at a price businesses can afford

The Bank of Canada is the nation’s central bank. We are not a commercial bank and do not offer banking services to the public. Rather, we have responsibilities for Canada’s monetary policy, bank notes, financial system, funds management. Our principal role, as defined in the Bank of Canada Act, is “to promote the economic and financial welfare of Canada.”

A special type of Crown corporation

The Bank was founded in 1934 as a privately owned corporation. In 1938, it became a Crown corporation belonging to the federal government. Since that time, the Minister of Finance has held the entire share capital issued by the Bank. Ultimately, the Bank is owned by the people of Canada.

The Bank is not a government department and conducts its activities with considerable independence compared with most other federal institutions. For example:

• The Governor and Senior Deputy Governor are appointed by the Bank’s Board of Directors (with the approval of Cabinet), not by the federal government.
• The Deputy Minister of Finance sits on the Board of Directors but has no vote.
• The Bank submits its expenditures to its Board of Directors. Federal government departments submit theirs to the Treasury Board.
• Bank employees are regulated by the Bank itself, not by federal public service agencies.
• The Bank’s books are audited by external auditors appointed by Cabinet on the recommendation of the Minister of Finance, not by the Auditor General of Canada.

Who needs a central bank?

During the first fifty years of Confederation, Canada showed little interest in the establishment of a central bank. It was 1913 before Parliament formally discussed the subject, prompted at that time by W. F. MacLean, MP for South York. His plan, which called for a privately owned national bank subject to government control, was dismissed. Prime Minister R. L. Borden saw “no present necessity” for such a bank.

Up to the time of the Depression, there was little apparent need for central banking in a scattered and mainly rural economy. The banking system that developed in Canada was quite different from that in the neighbouring United States. South of the border, a different philosophy encouraged the development of independent local banks, and a larger population, clustered in established communities, made it workable.

In Canada, the continuing British influence was reflected in the preference for a limited number of banks with multiple branches. In the years leading up to Confederation, small rural settlements spread over an extended area made branch banking a practical approach. In a relatively undeveloped economy, branch banks could be established with less capital and fewer skilled officers than would have been required for independent banks at each location.

The branch bank network was sufficient to the nation’s needs for almost a century. The chartered banks provided the bulk of notes in circulation and could meet seasonal or unexpected demands. The larger banks were able to deal with government business without strain, and the branch network gradually developed a system for clearing cheques between banks.

A changing environment

By the early 1930s, however, the political climate had changed. A gathering depression and mounting criticism of the country’s existing financial structure coincided with a specific concern of Prime Minister R. B. Bennett over the lack of a direct means in Canada for settling international accounts. In 1933, he set up a royal commission to study “the organisation and working of our entire banking and monetary system [and] to consider the arguments for or against a central banking institution…”

The arguments “for” won. The royal commission, headed by Lord Macmillan, recommended in its report that a central bank be established. A week after the report was made public, the Prime Minister announced that his government would adopt the recommendations.

In fact, an appendix to the report, titled “Suggestions as to some of the Main Features of the Constitution of a Central Bank for Canada,” became the framework for the Bank of Canada Act, which received royal assent on 3 July 1934. In March 1935, the Bank of Canada opened its doors as a privately owned institution, with shares sold to the public.

Here to stay

The first Governor of the Bank of Canada was Graham F. Towers, a thirty-seven year old Canadian who had extensive experience with the Royal Bank of Canada both in Canada and abroad. He had appeared before the Macmillan Commission on behalf of the chartered banks. He would guide the Bank for twenty years.

Soon after the Bank opened, a new government introduced an amendment to the Bank of Canada Act to nationalize the institution. In 1938, the Bank became publicly owned and remains that way today.

The organization of the Bank integrated new functions with functions that already existed elsewhere. Bank note operations were transferred from the Department of Finance when the Bank opened, and the offices of the Receiver General across the country became the agencies of the Bank.

A new Research Division was established to provide information and advice on financial developments and on general business conditions at home and abroad. The Foreign Exchange Division and the Securities Division became operative almost immediately, though the transfer of the Public Debt Division from the Department of Finance was delayed until suitable quarters were available. This did not occur until 1938, following completion of the present Bank of Canada building at 234 Wellington Street. The same building, to which new structures have been added, houses the Bank of Canada today.

The Bank of Canada Act, which defines the Bank’s functions, has been amended many times since 1934. But the preamble to the Act has not changed. The Bank still exists “to regulate credit and currency in the best interests of the economic life of the nation.”