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President's Choice Financial
President's Choice Financial (french: Services financiers le Choix du Président), commonly shortened to PC Financial, is the financial service brand of the Canadian supermarket chain Loblaw Companies. Two different wholly owned subsidiaries of Loblaw Companies provide services under the President's Choice Financial brand: personal banking and Mastercard credit card services are provided by the federally chartered President's Choice Bank, and insurance is provided by PC Financial Insurance Brokers. Services Bank Machines (ATMs) Most Loblaws and Loblaws-owned stores offer access to a PC Financial-branded ATM. These ATM can be used for no fee by PC Financial MasterCard holders. All other customers who use the ATM (including Simplii) will be charged fees Mastercard credit cards President's Choice Financial Mastercard credit cards are issued by President's Choice Bank, a subsidiary of Loblaw Companies. PC Mastercard has no relationship to CIBC, and cash advance fees were rei ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Subsidiary
A subsidiary, subsidiary company or daughter company is a company owned or controlled by another company, which is called the parent company or holding company. Two or more subsidiaries that either belong to the same parent company or having a same management being substantially controlled by same entity/group are called sister companies. The subsidiary can be a company (usually with limited liability) and may be a government- or state-owned enterprise. They are a common feature of modern business life, and most multinational corporations organize their operations in this way. Examples of holding companies are Berkshire Hathaway, Jefferies Financial Group, The Walt Disney Company, Warner Bros. Discovery, or Citigroup; as well as more focused companies such as IBM, Xerox, and Microsoft. These, and others, organize their businesses into national and functional subsidiaries, often with multiple levels of subsidiaries. Details Subsidiaries are separate, distinct legal entities f ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Pet Insurance
Pet insurance is a form of insurance that pays, partly or in total, for veterinary treatment of the insured person's ill or injured pet. Some policies will pay out when the pet dies, or if the pet is lost or stolen. As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pets' health care and standard of living than previously, the market for pet insurance has increased. Exclusions from Pet Insurance The following are some of the general exclusions from the pet insurance scheme: * Intentional or malicious harm to the pet * Injury or illness caused by neglect or inexperienced pet handling * Loss or harm caused by war, foreign hostility, revolution, rebellion, military upheaval, and so on. * Death from rabies, distemper, viral hepatitis, viral enteritis, leptospirosis, and other diseases * Illness contracted prior to purchasing the policy. * Spaying or neutering, vaccinations, microchipping, ear or teet ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
1996 Establishments In Ontario
File:1996 Events Collage.png, From left, clockwise: A bomb explodes at Centennial Olympic Park in Atlanta, set off by a radical anti-abortionist; The center fuel tank explodes on TWA Flight 800, causing the plane to crash and killing everyone on board; Eight people die in a blizzard on Mount Everest; Dolly the Sheep becomes the first mammal to have been cloned from an adult somatic cell; The Port Arthur Massacre occurs on Tasmania, and leads to major changes in Australia's gun laws; Macarena, sung by Los del Río and remixed by The Bayside Boys, becomes a major dance craze and cultural phenomenon; Ethiopian Airlines Flight 961 crash-ditches off of the Comoros Islands after the plane was hijacked; the 1996 Summer Olympics are held in Atlanta, marking the Centennial (100th Anniversary) of the modern Olympic Games., 300x300px, thumb rect 0 0 200 200 Centennial Olympic Park bombing rect 200 0 400 200 TWA FLight 800 rect 400 0 600 200 1996 Mount Everest disaster rect 0 200 300 400 19 ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Supermarket Banks
A supermarket is a self-service shop offering a wide variety of food, beverages and household products, organized into sections. This kind of store is larger and has a wider selection than earlier grocery stores, but is smaller and more limited in the range of merchandise than a hypermarket or big-box market. In everyday U.S. usage, however, "grocery store" is synonymous with supermarket, and is not used to refer to other types of stores that sell groceries. The supermarket typically has places for fresh meat, fresh produce, dairy, deli items, baked goods, etc. Shelf space is also reserved for canned and packaged goods and for various non-food items such as kitchenware, household cleaners, pharmacy products and pet supplies. Some supermarkets also sell other household products that are consumed regularly, such as alcohol (where permitted), medicine, and clothing, and some sell a much wider range of non-food products: DVDs, sporting equipment, board games, and seasonal items ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Insurance Companies Of Canada
Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, insurance company, insurance carrier, or underwriter. A person or entity who buys insurance is known as a policyholder, while a person or entity covered under the policy is called an insured. The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms. Furthermore, it usually involves something in which the insured has an insurable interest established by ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
President's Choice
President's Choice ( French: Le choix du Président) or PC are a line of grocery products or services offered by a Canada based company, Loblaw Companies Ltd. The various products are available at the companies retail locations. History President's Blend The first President's Choice (PC) products began appearing on Loblaw store shelves in 1984, but the concept was created the year before as the company marketed a new ground coffee. Dave Nichol, president of Loblaws Supermarkets, was looking for products to add to the company's lineup of No Name generic items, and had even begun offering gourmet items in the familiar unbranded yellow packaging. His Louisiana buyers had discovered a new high-grade coffee, around the time some of the leading national brands had downgraded the quality of their store coffee. Toronto designer Don Watt was asked to create new packaging—the only stipulation being that it had to be yellow, similar to No Name packaging. Watt recalled how PC Gourm ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
List Of Banks In Canada
This is a list of banks in Canada, including chartered banks, credit unions, trusts, and other financial services companies that offer banking services and may be popularly referred to as "banks". The "Big Five" Canada's "big five" banks, and a few statistics (2013): The term "Big Six" is frequently used as well and includes the National Bank of Canada (2013 market cap of $8.9B), though its operations are primarily focused in the provinces of Quebec and New Brunswick. Banks by legal classification Banks in Canada are classified by their ownership as domestic banks, subsidiaries of foreign banks, or branches of foreign banks. For a greater explanation of the classifications, see ''Banking in Canada'' and ''Canada Bank Act''. Schedule I banks (domestic banks) Under the Canada Bank Act, Schedule I are banks that are not a subsidiary of a foreign bank, i.e., domestic banks, even if they have foreign shareholders. There are 35 domestic banks, included 2 federally regulated ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
PC Optimum
PC Optimum is a single loyalty program operated by Canadian retail conglomerate Loblaw Companies; it was created through the merger of Loblaws' PC Plus and Shoppers Drug Mart's Shoppers Optimum programs. Launched on 1 February 2018, the program allows shoppers to earn points based on specific purchases at Loblaw grocery store locations, including in-store promotions, personalized offers delivered via the PC Optimum website and mobile app, as well as per-dollar spent on eligible products at Shoppers Drug Mart, Esso and Mobil locations. These points can be redeemed in-store for grocery and other purchases. The program is available to Loblaw supermarket affiliates. History PC Plus PC Plus launched as a digital loyalty program in May 2013. In January 2017, an Ottawa man was arrested for fraud and money laundering for the redemption of points from stolen PC Plus accounts to purchase gift cards worth hundreds of dollars in value. PC Optimum On February 1, 2018, the PC Plus pro ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Ombudsman
An ombudsman (, also ,), ombud, ombuds, ombudswoman, ombudsperson or public advocate is an official who is usually appointed by the government or by parliament (usually with a significant degree of independence) to investigate complaints and attempt to resolve them, usually through recommendations (binding or not) or mediation. Ombudsmen sometimes also aim to identify systemic issues leading to poor service or breaches of people's rights. At the national level, most ombudsmen have a wide mandate to deal with the entire public sector, and sometimes also elements of the private sector (for example, contracted service providers). In some cases, there is a more restricted mandate, for example with particular sectors of society. More recent developments have included the creation of specialized children's ombudsmen. In some countries, an inspector general, citizen advocate or other official may have duties similar to those of a national ombudsman and may also be appointed by a legi ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Simplii Financial
Simplii Financial is a direct bank and the digital banking division of the Canadian Imperial Bank of Commerce (CIBC). As of November 2021, the bank had almost two million clients. In 2021, Simplii Financial became the first in Canadian banking to enable digital identity verification – giving international students and newcomers the opportunity to open accounts completely digitally before arriving in Canada. Background Simplii Financial was established following CIBC and the supermarket chain Loblaw Companies mutually deciding to end their 20-year joint venture of providing consumer banking services under the President's Choice Financial brand. Simplii Financial shares Institution Number 010 with its parent CIBC. Its SWIFT code is CIBCCATT, and all Simplii clients share a branch-transit number of 30800. History Simplii traces its history to the 1996 President's Choice Financial co-venture between CIBC and Loblaws to provide low-fee banking services. President's Choice Financ ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Direct Banking
A direct bank (sometimes called a branch-less bank or virtual bank) is a bank that offers its services only via the Internet, email, and other electronic means, often including telephone, online chat, and mobile check deposit. A direct bank has no branch network. It may offer access to an independent banking agent network and may also provide access via ATMs (often through interbank network alliances), and bank by mail. Direct banks eliminate the costs of maintaining a branch network while offering convenience to customers who prefer digital technology. Direct banks provide some but not all of the services offered by physical banks. Direct bank transactions are conducted entirely online. Direct banks are not the same as "online banking". Online banking is an Internet-based option offered by regular banks. In the United States, direct banks are defined as online/branchless institutions with federal banking charters, with either the Federal Reserve Board, the Office of the Comptrol ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Amicus Bank
Amicus Bank was a wholly owned subsidiary of Canadian Imperial Bank of Commerce (CIBC) which provided non-traditional banking to customers. Canadian operations Within Canada, Amicus Bank was primarily responsible for operating President's Choice Financial's retail banking operations, excluding credit cards. Amicus Bank briefly provided services under its own name through Bell Sympatico's portal. It also took on the operation of non-branch automated banking machines (primarily stand-alone ABMs at services stations, convenience stores) which were co-branded for Amicus Bank and CIBC. The bank asked for and received approval from the Minister of Finance for voluntary dissolution in 2002. Services operated by Amicus Bank were subsequently provided by the direct banking division of CIBC. President's Choice Financial banking services were then rebranded Simplii Financial after CIBC dissolved its partnership with Loblaw Companies in 2017. Amicus Bank had 1100 employees in Canada and the ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
