Credit cards

Credit card services; issuance of credit cards; credit card transaction processing services; processing credit card payments; cash advance services; online banking

Providing business advisory services in the fields of public company offerings (treasury and secondary), initial public offerings, private placements, mergers and acquisitions, valuations and fairness opinions, corporate restructuring, strategic alternative planning, and asset acquisitions and divestitures.

Underwriting services, namely underwriting equity and debt securities; investment banking services; banking services, namely, corporate banking, merchant banking, real estate finance, project finance, loan syndications securitization, namely, the purchasing, advancing, financing, administration, servicing, and collection of loans, mortgages, conditional sales contracts, accounts receivable and other assets through an asset securitization vehicle, the sale and trade of equity, credit and commodity derivatives, the sale and trade of foreign exchange, and the sale and trading of money market products; sales and trading services, namely, buying and selling securities on behalf of clients; equity sales and trading; investment dealer services; equity research services; research services, namely providing financial investment research to clients; financial markets advisory services relating to corporate finance, mergers, acquisitions, divestitures, reorganizations, and restructurings.

Administration and management of customer loyalty programs, namely providing customers access to reward wish list creation, bookmarking rewards, alerts regarding changes to point redemption for rewards, special features, value add features, notifications regarding changes to point redemption for rewards, special features, value add features, all via a website

Providing the temporary use of online non-downloadable software allowing customers to personally manage features of a loyalty program, namely, reward wish list creation, bookmarking rewards, alerts regarding changes to point redemption for rewards, special features, value add features, notifications regarding changes to point redemption for rewards, special features, value add features

Credit services namely, personal and commercial loans, mortgages and lines of credit

Financial services related to the issuance and use of credit cards along with a customer loyalty reward program that provides benefits, privileges and discounts at participating merchants; rewarding existing customers, namely a program where customers can win prizes, merchant privileges, food and drink discounts, merchandise discounts, gain entry to promotional contests, promote donations to local charities through participating merchants.

Operation of a website related to an incentive loyalty reward program and containing information in the field of incentive loyalty reward programs.

Financial services, namely financial planning, investment advice, and account status reporting.

Travel insurance, namely insurance for medical expenses, trip cancellations, trip interruptions and baggage.

Financial services, namely financial planning, investment advice, the issuance, distribution and sale of guaranteed investment certificates, mutual fund services, namely mutual fund investment, mutual fund distribution and mutual fund brokerage; custody services, individual securities brokerage and investment management services.

Providing business advisory services in the fields of public company offerings (treasury and secondary), initial public offerings, private placements, mergers and acquisitions, valuations and fairness opinions, corporate restructuring, strategic alternative planning, and asset acquisitions and divestitures.

Underwriting services, namely underwriting equity and debt securities; investment banking services; banking services, namely, corporate banking, merchant banking, real estate finance, project finance, loan syndications securitization, namely, the purchasing, advancing, financing, administration, servicing, and collection of loans, mortgages, conditional sales contracts, accounts receivable and other assets through an asset securitization vehicle, the sale and trade of equity, credit and commodity derivatives, the sale and trade of foreign exchange, and the sale and trading of money market products; sales and trading services, namely, buying and selling securities on behalf of clients; equity sales and trading; investment dealer services; equity research services; research services, namely providing financial investment research to clients; financial markets advisory services relating to corporate finance, mergers, acquisitions, divestitures, reorganizations, and restructurings.

Financial services, namely deposit taking services, namely term deposits, savings accounts, chequing accounts, GICs, money market funds and foreign currency deposits; credit services, namely term loans, revolving operating lines of credit, structured finance, namely, credit services for corporations with complex financing needs, syndicated loans, bilateral lending, club deals, namely, leveraged buyouts of companies by private equity firms, project financing and letters of credit; cash management services, namely account reconciliation, cash concentration, namely, transferring of funds from diverse accounts into a central account, cheque image retrieval, transfers between differing financial institution accounts, electronic funds transfer, foreign exchange, money wiring services, government remittances, lockbox services, namely, cash management services for receipting customer payments, notional pooling, integrated payment network for providing access to and maintaining and servicing a payment network for facilitating electronic payment by others to others for goods and services, sweeps and fixed date deposit investment, namely, cash management services for automatically transferring cash funds into high interest-earning investment options at the close of each business day; derivatives services, namely, providing electronic trading of derivative contracts in the fields of commodity, interest rate, equity, credit and currency forwards, swaps and options, including the exchange of a fixed (or variable) rate, index, or price for a variable or fixed rate, index or price via an electronic trading platform; Internet services, namely online financial services, namely deposit taking services, namely term deposits and savings accounts, chequing accounts, GICs, money market funds and foreign currency deposits, credit services, namely term loans, revolving operating lines of credit, structured finance, syndicated loans, bilateral lending, club deals, project financing and letters of credit, cash management services, namely account reconciliation, cash concentration, cheque image retrieval, transfers between differing financial institution accounts, electronic funds transfer, foreign exchange, wires, government remittances, lockbox, notional pooling, payment network, sweeps and fixed date deposit investment, derivatives services, namely commodity, interest rate, equity, credit and currency forwards, swaps and options, including the exchange of a fixed (or variable) rate, index, or price for a variable or fixed rate, index or price; Financial services, namely financial planning, investment advice, the issuance, distribution and sale of guaranteed investment certificates, mutual fund services, namely mutual fund investment, mutual fund distribution and mutual fund brokerage; custody services, individual securities brokerage and investment management services; Financial services, namely, credit card services for the issuance of credit cards; Investment management services, investment counselling, investment advice, namely income and asset protection through licensed advisors, tax advisory services; wealth management services, namely estate and trust services, namely trust set up, management, settlement and administration, providing strategies and advice regarding retirement, wills and estate and trust services, custodial services, business and farm succession planning services