Rbc somerled rbc open saturday What type of accounts do you offer? What are the interest rates on your accounts? Do you offer accounts for seniors? Can a non-resident open a bank account in Canada? What do I do if my credit card was lost or stolen? How do I change my credit limit? Why is my card being declined? Do you offer any Cash Back credit cards? What is a Line of Credit? Maps and GPS directions to RBC Montreal QC H4V 1S8 and other RBC Royal Bank locations in your nearest RBC Royal Bank. The Royal Bank of Canada Banque Royale du Canada is the largest bank in Canada with 1209 branches.

Rbc nouveau client rbc clayton park

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[ 3.456020] nouveau 00.0: bus: MMIO write of 80000136 FAULT at 10eb14 [ IBUS ] [ 3.462695] nouveau 00.0: DRM: Pointer to flat panel table invalid [ 3.911591] nouveau 00.0: priv: GPC0: 419df4 00000000 (1c40820e) [ 3.911665] nouveau 00.0: priv: GPC1: 419df4 00000000 (1c40820e) [ 3.911725] nouveau 00.0: priv: GPC2: 419df4 00000000 (1c40820e) [ 3.911778] nouveau 00.0: priv: GPC3: 419df4 00000000 (1c40820e) [ 3.924671] nouveau 00.0: fifo: read fault at 00ff880000 engine 1f [] client 12 [PMU] reason 0d [REGION_VIOLATION] on channel -1 [00000000 unknown] [ 4.024495] nouveau 00.0: fifo: write fault at 000030b000 engine 05 [BAR2] client 08 [HOST_CPU_NB] reason 0d [REGION_VIOLATION] on channel -1 [00ffbf3000 unknown] [ 4.024498] nouveau 00.0: gr: init failed, -110Seeing as Nouveau are Nvidia drivers, it might be worth noting that my desktop has an Nvidia card (GTX 970). I almost wish they just left nouveau out entirely as it's just terrible. The same live USB booted fine on my laptop (which does not have an Nvidia card). I am one happy camper after signing up for BMO, TD and CIBC offers over the last year. Full disclosure: I only have USD esavings account with them. Open a new all-inclusive banking account with RBC Royal Bank and we'll deposit $300 into your new account1. It's a bonus you can enjoy on top of great features–like unlimited free Interac e-Transfers2, only from RBC. Plus, you'll have unlimited debit transactions3, no minimum balance and more, all in one convenient place. Power named us "Highest in Customer Satisfaction Among the Big Five Retail Banks4." 2 Easy Steps to Receive Your $300: 1. And you can bank anyplace, anytime with the RBC Mobile app. Open a new all-inclusive banking account by January 31, 2017, and 2. Set up one of the following in your new account by March 31, 2017: • One Payroll / Direct Deposit, or • Two Pre-Authorized Payments Act fast! This offer expires January 31, 2017." Terms and conditions: This offer is available for select clients only. Selected clients must also be active RBC clients without an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking affiliates at the beginning of the promotional period (i.e. October 18, 2016) and otherwise comply with the terms of the offer. You will receive $300 cash when you open your first new eligible personal banking account, either an RBC VIP Banking® (monthly fee of $30) or RBC Signature No Limit Banking® (monthly fee of $14.95) by April 12, 2017 and complete one of the following by March 31, 2017: two Pre-Authorized Payments from the account or one Payroll Direct Deposit to the account. RBC has the right to determine what is considered payroll. To qualify you must be of the age of majority in the province or territory in which you reside on or before the start of the promotional period and a permanent resident of Canada. Clients who already have an existing RBC Personal Banking Account are not eligible. This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. 2 Unlimited FREE Interac e-Transfers available in all Canadian dollar personal banking (chequing) accounts and are not counted toward the free monthly total in accounts with a limited number of free debits. In all Canadian dollar savings accounts, Interac e-Transfers are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction fee, if applicable. Interac e-Transfers are not available in US dollar accounts. 3 Debits mean a withdrawal of funds from an account and include an assisted transaction and an electronic self-serve transaction. If sign up by on the last day of January and receive bonus before April 12th: 300-14.95*2= $270.10 There is no minimum balance to waive the fees and terms and conditions don't mention anything regarding closing the account right after bonus is received. 4 RBC received the highest numerical score among Big 5 Banks in the J. Power 2016 Canadian Retail Banking Customer Satisfaction Study, study based on 13,229 total responses, measuring the opinions of consumers with their primary financial institution, surveyed March-April 2016. Next question is what qualifies as " Direct Deposit". Has anyone used Tangerine deposits for previous RBC promos? This effectively makes it cold $300-14.95*13= $105.65 Royal Bank of Canada Cash Reward Offer - Terms & Conditions Attention Group Advantage Clients: If you are employed by a company that has entered into an RBC Group Advantage agreement with us and has an active RBC Group Advantage plan (including Group Savings, Group Banking and Mortgage Assistance Program), then these terms and conditions do not apply to you. To see the terms and conditions that apply to Group Advantage clients, please visit rbc.com/groupterms; “Cash Reward” means the $300 credited to your Eligible Personal Banking Account, if you have fulfilled all Qualifying Criteria and conditions for the Promotional Offer; “Eligible Personal Banking Account” means either of the following accounts: RBC Signature No Limit Banking® or RBC VIP Banking® “Eligible Personal Client” means a client who: Is a resident of Canada and of the age of majority in the province in which they reside as of the date the Eligible Personal Banking Account is opened. Residence is determined by the jurisdiction (province or territory) where a client has their primary tax filing obligation based on their regular place of residence; Does not have an existing Personal Banking Account with us; and Never had a Personal Banking Account nor qualified for any of our offers related to opening a Personal Banking Account at any time during the Promotional Period or in the five year period before the start of the Promotional Period; “Personal Banking Account” means any of the following accounts: RBC Day to Day Banking®, RBC No Limit Banking®, RBC Student Banking®, RBC Leo’s Young Savers Account®, Rate Link Preference®, Rate Link Essential®, Rate Link Essential - Sixty Plus®, Sixty Plus - Signature Plus®, Sixty Plus - Royal Money Maker®, Sixty Plus - Calculator Plus®, RBC VIP Banking®; RBC Signature No Limit Banking, RBC No Limit Banking for Students account, RBC® Shoppers Optimum‡ Banking, RBC® Pharmaprix Optimum‡ Banking; “Primary Owner” means the person we designate as the primary owner of a joint Personal Banking Account; “Promotional Offer” means the offer as defined in section 1; “Promotional Period” means the period starting on October 18, 2016 and ending at PM EST on January 31, 2017; “Qualifying Criteria” means the conditions set out in section 2 below. “RBC Employees” mean all our employees and pensioners. “Terms” mean these terms and conditions that govern this Promotional Offer; “you” and “your” mean the Eligible Personal Client selected by us to whom we extend the Promotional Offer; “we”, “us”, “our” and “Royal Bank” mean Royal Bank of Canada or any of its deposit taking subsidiaries. The Promotional Offer Providing you fulfill the conditions set out in Sections 2 and 3 below, you may earn the following: Cash Reward deposited to your Eligible Personal Banking Account (here in after, the “Promotional Offer”) How to qualify for the Promotional Offer: To qualify for this Promotional Offer you must: be an Eligible Personal Client open an Eligible Personal Banking Account during the Promotional Period; and; complete one of the following by end of day March 31, 2017: Transfer your automated and recurring payroll direct deposit or monthly recurring pension direct deposit to your new Eligible Personal Banking Account; we reserve the right to determine what is considered payroll. The first payroll or pension deposit must be credited to your new Eligible Personal Banking Account by end of day March 31, 2017 OR Set up two (2) Pre-Authorized Payments (“PAPs”), such as a pre authorized bill payment to a service provider or pre-authorized contribution to your investment account, from your new Eligible Personal Banking Account. The first payment of both PAPs must be debited and must clear from your new Eligible Personal Banking Account by end of day March 31, 2017 (referred to as the “Qualifying Criteria”) Conditions that apply to the Promotional Offer The following conditions also apply to this Promotional Offer: The Promotional Offer is available to Eligible Personal Clients only. RBC Employees are not eligible to participate in the Promotional Offer. However, if an RBC Employee is a co-owner on a joint Eligible Personal Banking Account, the Promotional Offer may still be earned, provided the remaining conditions are fulfilled by the other co-owner(s); Only one Cash Reward per Eligible Personal Client, no matter how many Eligible Personal Banking Accounts you may open during the Promotional Period; Only one Cash Reward per Eligible Personal Banking Account, even if the Eligible Personal Banking Account is opened jointly and the Qualifying Criteria are fulfilled by more than one co-owner. In this case, only the co-owner designated as the Primary Owner at the time of opening of the joint Eligible Personal Banking Account will qualify for the Cash Reward. If an Eligible Personal Client qualifies for the Promotional Offer and fulfills the Qualifying Criteria and conditions, the Cash Reward will be credited directly to their Eligible Personal Banking Account by April 12, 2017. The Promotional Offer is available to residents of Canada only; residence is determined by the jurisdiction (province or territory) where a client has their primary tax filing obligation based on their regular place of residence. Your Eligible Personal Banking Account must remain open and in good standing, and the Qualifying Criteria you performed to get the Cash Reward (such as payroll/pension deposit or pre-authorized payment) must remain in effect until March 31, 2018. If you received the Cash Reward and then downgraded, changed or closed your Eligible Personal Banking Account or removed any of the Qualifying Criteria you performed to get the Cash Reward , such as cancelled any payroll/pension deposit or pre-authorized payment, at any time before March 31, 2018 , we reserve the right to debit your Eligible Personal Banking Account or any of your accounts with us for the Cash Reward amount, even if this places you into overdraft. If your Eligible Personal Banking Account is closed and you do not have any other account with us at that time, we will send you an invoice for $300 , which you agree to pay in 30 days. You have until June 12, 2017 to notify us if you have not received your Cash Reward. Any notice received after this date, will not be accepted and you will be deemed not to have qualified for this Promotional Offer. If you are not satisfied with your Eligible Personal Banking Account and with to switch to another account, our Right Account Guarantee TM may apply, provided you satisfy the underlying conditions. If you benefit from the Right Account Guarantee, we still reserve the right to reverse the Cash Reward credited to your Eligible Personal Banking Account, as more fully described in sub-section h) above. For the terms and conditions of the Right Account Guarantee, visit ... Additional Conditions that apply to all Promotional Offers The Promotional Offer and these Terms do not, in any way, affect any of the service fees related to the operation of any of our personal deposit accounts, credit card accounts and business banking accounts, which continue to apply. The Promotional Offer shall not be combined with any other personal banking account offer or promotion. Participants must be residents of Canada and have reached the age of majority in the province or territory in which they reside on or before the date the Eligible Personal Account is opened. We reserve the right to change the Promotional Offer and these Terms at any time. The posting of the current Terms at shall be deemed sufficient notice to you of such Terms and any changes, if required. Limitations that apply to all Promotional Offers We reserve the right to cancel the Promotional Offer at any time for any reason at our complete discretion without notice. In the event of a conflict between these Terms and the content of any document, brochure or promotional material advertising the Promotional Offer, these Terms shall prevail. You may always view the current Terms by visiting or you may call 1-800 76925 11 to request a current copy. It is a target offer for existing clients with saving accounts only. We reserve the right, in our sole discretion, to suspend, disqualify, limit or revoke this Promotional Offer to any person or account holder we find or believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the Promotional Offer, including any person whose overall client relationship with us is in our opinion not in good standing. RBC and Royal Bank are registered trademarks of Royal Bank of Canadalol, need to keep the account for year... RBC learned from last year $300 promotion (only need to keep account open for 3 months), people cancel and use the Right Account Guarantee satisfaction to get back the 3 months fee too... Not available for people who have no RBC account or already have a chequing. You should either have a great credit or have a large balance sitting in your esaving. It is a target offer for existing clients with saving accounts only. Not available for people who have no RBC account or already have a chequing. You should either have a great credit or have a large balance sitting in your esaving. balances to waive fees (TD, BMO, CIBC), some have no fees to waive and thus no min. balance (Tangerine, PCF, EQ, ...) and some have no min. Rbc nouveau client rbcon Welcome to Online Banking. RBC Royal Bank. New to Online Banking? Enroll Now! Pourquoi les clients de RBC aiment nos comptes de chèques. ou établir deux paiements de facture à un fournisseur de service à partir de votre nouveau compte de particulier admissible. RBC a le droit de déterminer, en exerçant une discrétion raisonnable, si les critères d’admissibilité ont été respectés. À moins d. Has a great culture and is recruiting aggressively to try and grow it's presence and brand name in the US. Please let me know what your thoughts are about its current (and potential future) prestige and exit opps. Ur Backup is an easy to setup Open Source client/server backup system, that through a combination of image and file backups accomplishes both data safety and a fast restoration time. File and image backups are made while the system is running without interrupting current processes. Ur Backup also continuously watches folders you want backed up in order to quickly find differences to previous backups. Because of that, incremental file backups are really fast. Your files can be restored through the web interface, via the client or the Windows Explorer while the backups of drive volumes can be restored with a bootable CD or USB-Stick (bare metal restore). A web interface makes setting up your own backup server really easy. For a quick impression please look at the screenshots here. Currently there are over 21,000 running Ur Backup server instances (with auto-update enabled) with some instances having hundreds of active clients. The custom client makes fast file and image backups possible. The client, for example, continuously watches file changes, so that only few files have to be looked at during incremental file backups. The backup server has an integrated web interface that shows the status of the clients, current activities and statistics. Open files, like Outlook files, get backed up without problems. Existing file backups can be browsed and files from these backups can be extracted or restored. The image backups are done while the system is running and in use as well. Ur Backup can easily be configured to also backup clients via Internet. This enables backups of mobile devices wherever they currently are. You can also use Ur Backup to only backup via Internet. Ur Backup is Free Open Source software licensed under the OSI certified AGPLv3 . As long as you adhere to the terms and conditions of the license you are allowed to use and redistribute Ur Backup in a personal and commercial setting. Ur Backup server currently runs on Windows, GNU/Linux, Free BSD and several Linux based NAS operating systems. The Ur Backup client runs on Windows, Free BSD and GNU/Linux.


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You'll still be able to use our site, but it might not work or look the way it's supposed to. We noticed that you're not using the latest version of your browser. You'll still be able to use our site, but it might not work or look the way it's supposed to. *Rogers Infinite data plans include 10 GB, 20 GB or 50 GB of data at max speed on the Rogers network, extended coverage areas within Canada, and Roam Like Home destinations (see rogers.com/roamlikehome). 5G access included at no extra charge until March 7, 2021. 5G access requires a 5G-enabled device in an area where there is 5G coverage (see rogers.com/coverage). Once you have reached the max speed data allotment of your plan, you will continue to have access to data services with no overage beyond the max speed data allotment at a reduced speed of up to 512 kilobits per second (for both upload and download) until the end of your current billing cycle. Applications such as email, web browsing, apps, and audio/video streaming will continue to function at a reduced speed which will likely impact your experience. We will send you a text message notifying you when you have used 90% and 100% of the max speed data allotment included in your plan with the option to purchase a Speed Pass to add more max speed data to your plan. In all cases, usage is subject to the Rogers Terms of Service and Acceptable Use Policy. A Setup Service Fee of $40 per line applies to setup your device and related services. The Setup Service Fee is waived through self-serve on (but not through Live Chat and Customer Service). If you require device setup in-store thereafter, a $40 Setup Service Fee will apply. ±Where applicable, additional airtime, data, long distance, roaming, options and taxes are extra and billed monthly. The following monthly government 9-1-1 fees apply where applicable: 94¢ in Saskatchewan, 46¢ in Quebec, 43¢ in Nova Scotia, 53¢ in New Brunswick, 70¢ in Prince Edward Island, 44¢ in Alberta, and 75¢ in Newfoundland and Labrador. However, there is no airtime charge for calls made to 9-1-1 from your Rogers wireless device. Le client : Possédant des bureaux partout en Amérique du Nord, PCL Constructors a pris part à des projets d’envergure, comme ceux du Niagara Fallsview Casino Resort et du STAPLES Center de Los Angeles. L’entreprise a remporté un prestigieux appel à propositions visant la construction de trois installations pour les Jeux panaméricains de 2015, à […… Lire la suite Dans une banque, l’information doit circuler. Le parquet se doit donc d’être pleinement efficace et productif. Sises au cœur du bouillonnant quartier des finances de Toronto, les tours jumelles de la Banque Royale du Canada abritent un supercentre d’activités et de connexions. En quête d’experts pour installer un nouveau parquet reliant les deux tours, RBC […… Lire la suite Le client : Les Aliments Maple Leaf est l’une des plus grandes entreprises du secteur de l’agroalimentaire et de la transformation d’aliments c Fondée il y a près de 100 ans à la suite de la fusion de plusieurs grands grossistes en viande de Toronto, Maple Leaf emploie aujourd’hui plus de 20 000 personnes au pays. Lire la suite Des installations à vocations multiples nécessitent une approche multidisciplinaire. Relié directement à l’hôpital Markham Stouffville, l’immeuble abritant le centre communautaire et la bibliothèque Cornell fait partie d’un campus novateur qui fait la promotion de la santé et du bien-être en favorisant un mode de vie actif. Ces installations uniques répondent aux besoins de toute la […… Lire la suite Un immeuble intelligent qui favorise l’apprentissage. Nous sommes emballés par le projet de construction du Centre des sciences de la santé du Collège George Brown de Toronto. Ces installations de pointe sont conçues pour favoriser le travail d’équipe interprofessionnel, qui représente l’avenir des soins de santé. Les membres de l’équipe de construction de Plan Group […… Lire la suite Les aéroports comptent parmi les structures les plus complexes sur le plan technologique au monde. Pour qu’ils fonctionnent de façon sécuritaire et efficace, chaque élément de chaque système doit être parfaitement huilé. Dans ce réseau, les éléments disparates, gros et petits, doivent être parfaitement synchronisés pour soutenir le mode de transport le plus essentiel des […… Lire la suite Les centres de données d’aujourd’hui doivent réaliser une performance optimale. Alors que le rythme d’innovation s’accélère et que les besoins en puissance augmentent, les entreprises doivent s’assurer que leurs renseignements sont créés, partagés et organisés avec exactitude et efficacité. De la représentation virtuelle des charges de serveurs à la migration vers le nuage, les besoins […… Lire la suite Le client : L’hôpital Humber River est l’un des plus grands établissements régionaux de soins de courte durée au Canada, servant plus de 850 000 personnes dans le nord-ouest de Toronto. Le défi : Réputé depuis longtemps pour son engagement en matière de soins aux patients, l’hôpital a entrepris une transition importante qui l’a fait passer d’établissement limité par […… Lire la suite Le client : Créé en 2000, le Système de santé de Niagara est le réseau d’hôpitaux multisites le plus vaste et le plus complexe de l’Ontario et le chef de file canadien en matière de soins de santé communs. Comptant sept établissements dans la région de Niagara, le Système de santé de Niagara dispense toute une gamme […… Rbc nouveau client rbc general fund Pourquoi les clients de RBC. aiment nos comptes. ou établir deux paiements de facture à un fournisseur de service à partir de votre nouveau compte de particulier admissible. RBC a le droit de déterminer, en exerçant une discrétion raisonnable, si les critères d’admissibilité ont été respectés. À moins d’indication. The RBC Mobile App allows you to easily access your RBC Bank U. S. accounts and transfer money cross-border. Manage your account online, anytime. Instantly move and exchange money cross-border, deposit checks, pay U. S. bills and view your transactions. Your U. S. credit card and RBC Rewards. A U. S. credit card from RBC Bank offers the protection. Welcome to Online Banking. RBC Royal Bank. New to Online Banking? Enroll Now! Total Capitalisation in Euroclear France: EUR 8,546 billion (USD 9,400 billion) Equity Capitalisation in Euroclear France: EUR 3,220 billion (USD 3,542 billion) Fixed Income Capitalisation in Euroclear France: EUR 3,487 billion (USD 3,836 billion) UCITS Capitalisation in Euroclear France: EUR 1,371 billion (USD 1,508 billion)Figures as of October 2019 Euronext On November 13, 2013, Intercontinental Exchange (ICE) completed the acquisition of NYSE Euronext. This was followed by an initial public offering (IPO) of the European cash markets (i.e. Euronext Amsterdam, Euronext Brussels, Euronext Lisbon and Euronext Paris, respectively) in June 2014 thereby recreating a stand-alone Euronext company, the current exchange. Euronext is a fully centralised market: Cash products are traded on Optiq which is the new enhanced, multi-market trading platform. Euronext is a pan-European exchange group operating regulated markets in Belgium, France, Ireland, the Netherlands, Norway, Portugal, and the United Kingdom. Trading occurs on price driven continuous basis, the closing price for securities which are traded continuously shall be the price defined by the closing auction, if no price is issued at the closing auction, the closing price shall be the last traded price during the main trading session. Euronext also operates non-regulated activities in 16 countries across the world. ) Trading System is a state-of-the-art electronic platform that supports the trading activity of Euronext cash markets. Licensed by Atos Euronext, it is used by some 17 exchanges around the world, making it the most widely used system of its kind. It is installed in member firms' offices and linked to the Euronext Paris's central computers. Euronext has created a single market for cash products by making all its listed stocks available on the single trading platform, NSC, which are cleared through a single system, Clearing 21®, under a single set of market rules. (CDGF) into a new legal entity which is a single regulatory and controlling body. The AMF is an independent institution under public law. It has the authority to regulate and monitor activities of market players, to supervise the regulated markets (both information circulated and operations handled) and to sanction incorrect and illegal activities. Autorité de Contrôle Prudentiel et de Résolution (ACPR): L'Autorité de contrôle prudential et de resolution (ACPR) is the body of French supervision of the bank and the insurance. Created in 2010, the ACP, become ACPR by the law of separation and of regulation of banking. ACPR is issued from the merger of the supervisory authorities of accreditation (CEA - Comité des entreprises d'assurance- et CECEI - Comité des établissements de crédit et des entreprises d'investissement) and controlling authority of the insurances and the mutual insurance companies for banks and insurance companies. The ACPR is in charge with the accreditation and the control of banking and the insurance companies. Its main mission is to take care of the safeguarding of financial stability and the protection of the customers of the banks, of the insured persons and beneficiaries of the insurance contracts. It also represents France, in its field of competence, within the international authorities. The ACPR is an independent authority, backed to the Banque de France. Its organization aims to ensure the implementation of all necessary competences to the realization of its assignments, ensuring reactivity, effectiveness and coherence of decision making. Banque of France: was established in 1800 as the central bank of France. The Bank of France has been a member of the European System of Central Banks (ESCB) since January 1, 1999. As such, the Bank of France, supervises the money market and also ensures the smooth operation and the security of payment systems. Euronext Paris: Responsible for defining and ensuring compliance with market operating rules. Although Euronext is a single integrated organisation, all four exchanges maintain their separate exchange licences and continue to operate under four different jurisdictions. The jurisdiction under which a listing agreement is concluded (Belgian, Dutch, French or Portuguese) is relevant when reporting irregularities in trading in the securities issued by a company (in particular in the event of suspected insider trading, front running or market manipulation). Market participants will be subject to the supervision of the regulator of the country in which they were granted their main license. The Euronext entry point, chosen by the market participant, will determine the jurisdiction governing the membership agreement concluded between Euronext and the market participant. Eleven different regulatory bodies have agreed to work together to establish common rules for the Euronext Amsterdam, Brussels, Lisbon and Paris markets. This cooperation covers both the regulation and supervision of the Euronext N. markets and the supervision and control of the activities of LCH. The following legislation regulates the French securities market: government bonds such as OATs, corporate bonds (straight bonds, floating rate bonds, fixed income bonds, convertible bonds, bonds redeemable in shares, warrant bonds, warrants bonds redeemable in shares, partly paid bonds and bonds from the French Euro Zone) Book-Entry: With the launch of ESES, ESES France has replaced Euroclear France securities settlement system, RGV2, which was composed of one revocable channel (formerly called "Relit ") and one irrevocable channel (formerly called "RGV"). RGV2 has been replaced by the settlement system Euroclear Connect. As of 12 September 2016, T2S (Target2-Securities) Wave 3 has been implemented following the below CDSs: Euroclear France has outsourced the settlements in Target 2 Securities (T2S), the Eurosystem’s crossborder settlement platform. T2S is an integrated CSD platform for the settlement of securities transactions in central bank money. It supports domestic and cross-CSD securities settlements in euro. The platform is intended to bring harmonization and integration of the European securities market in order to increase post-trading efficiency, reduce settlement costs domestic, but above all cross-CSD) and enhance financial stability. T2S Main Features: Within T2S, a failed unmatched trade will expire after 20 business days upon receipt of the instruction provided that the ISD (intended settlement date) is in the past. Physical: Euroclear France holds all securities in dematerialised book-entry form, Physical securities received by the subcustodian (if offered by the subcustodian) from a counterparty must be authenticated before payment is released. performs the netting and guaranteeing of the on exchange transactions for cash market, derivative market and OTC traded bonds transactions negotiated through electronic trading platforms such as MTS-France, Broker Tec, E-Speed and Viel-Prominnofi. The harmonisation with other Euronext Markets allows for the transfer of ownership on the regulated market (Effective November 1, 2012 the relevant authority must be notified by investors of the short position of shares and government debt when the position reaches or falls below the levels specified in the regulation. Clearnet, the French clearing house, is the sole clearing house for Euronext equity and derivative markets. A., part of the LCH Clearnet Group, is the pan European CCP taking up and guaranteeing the clearing and timely settlement of – amongst others – all transactions traded on the Euronext exchanges. The Universal Clearing System (UCS), LCH’s operational settlement system, provides for the clearing of Euronext trades. The relevant authorities are the local Financial Supervisory Authorities (FSAs). Euroclear France is the central securities depository (CSD) for equities and debt instruments, and also provides functions such as clearing and settlement, registration and corporate action processing. The short positions of shares must also be disclosed to the public by posting information on the local FSA's website when a position reaches or falls below the specified levels. became the clearing agent for all products traded in the French market. Euroclear France was formed through the merger of (SICOVAM) and Euroclear Bank. For full information of the new regulation and reporting requirements please visit the European Securities and Markets Authority website at Euroclear, it is a wholly owned subsidiary of Euroclear Bank. All French banks and brokers are members of Euroclear France. Euroclear France is a private sector entity wholly owned by Euroclear Bank and organised on a for-profit basis. It was established through Decree 49-1105 of 4 August 1949 (articles 5 and 6) in order to ensure book-entry transfer of securities between financial intermediaries. Equities: French or foreign shares listed on Euronext Paris and a wide range of warrants and Exchange Traded Funds (ETFs). Government debt: French government debt instruments, government debt securities of the main euro zone countries. Private bonds: French domestic bonds, stand-alone international issues or EMTNs. Money market instruments: French monetary securities (TCNs), ECP and ECD from the international market. Funds: French funds (UCITS), open-end funds (SICAVs) and mutual funds (FCPs) as well as a wide range of international funds. BIS is an international organisation which fosters cooperation among central banks and other agencies in pursuit of monetary and financial stability. The Committee on Payments and Market Infrastructures (CPMI) uses three common structural approaches, or models, to categorise the links between delivery and payment in a securities settlement system. Euroclear France (ESES) and T2S: BIS Model 1 - a system in which there is a simultaneous transfer of securities and associated funds from the buyer to the seller. All transfers occur on a trade-by-trade (gross) basis with all transfers made via book entry. Book-Entry: Positions at Euroclear France are held in the subcustodian's aggregate account while individual client records are maintained by the subcustodian. Securities are moved between subcustodian accounts on settlement date. Securities can be in bearer or registered form, as determined by the issuing company. Registered shares are categorised as "compulsory" registered stock. Bearer shares, which can be registered should a shareholder choose, are called "occasionally" registered shares. Registered shares are further identified: (BRN), provided by the subcustodian. Euroclear France reviews the BRN and forwards it to the issuer. Registration takes at least one to five business days, depending on the issuer. Failure to disclose information, upon issuer request, pertaining to beneficial ownership may result in the loss of voting and dividend privileges for two years. Commercial courts may cancel voting rights for a five-year period upon formal application. Physical: Not applicable Shareholdings may be required to be disclosed by the beneficial owner, particularly when holdings reach or exceed prescribed disclosure limits. Investors must ensure that they comply in full by reporting such holdings to the appropriate organisations for this market, within the timeframe required. If you have any questions regarding this issue we encourage you to consult your legal counsel. Failure to comply with reporting requirements may lead to penalties and/or other sanctions. Foreign Investment Restrictions The French Code monétaire et financier (articles L/R 151-1 et seq.) regulates foreign investments which are subject to administrative declarations and preliminary authorisations. These investments are defined by paragraph 5°, 6° and 7° of article R.151-1 of the French Code monétaire et financier. In particular, investments in French companies which are under foreign control (when non-resident or French companies controlled by non-resident hold more than 33.33% of the capital or of the voting rights of a French company), are subject to an administrative declaration. Some foreign investments are exempted from the administrative declaration: Article R. 152-5 of the French Code monétaire et financier provides a detailed list of foreign investments which benefit from this exemption, which includes the purchase of assets in a French company under foreign control when the investor already holds more than 50% of the share capital or the voting rights of such company. Investments (in the sense of article R.153-1 of the French Code monétaire et financier for a non UE resident or article R. 153-3 of the French Code monétaire et financier for an UE resident) in certain sensitive sectors such as public health, security, national defence etc.(defined in article R. 153-2 of the French Code monétaire et financier for a non UE resident or article R. 153-4 and 153-6 of the French Code monétaire et financier for a UE resident) require a prior administrative declaration and preliminary authorization by the Mo F (in conditions of articles R. 153-6 et seq of the French Code monétaire et financier). In the absence of a negative answer from the French Mo F within two months, the investment is deemed to be authorized, except if within this period, the Mo F decides to postpone the contemplated operation. When an investor acquires or sells shares of the company having its registered office in France which are admitted to trading on a regulated market of EU member state or a financial instruments market which permits trading in shares which may be entered in the books of an authorised intermediary with the result that his ownership crosses the thresholds of 5%, 10%, 15%, 20%, 25%, 30%, 33.3%, 50%, 66.7%, 90% and 95% of the company's share capital or voting rights, AMF and the company must be notified within 5 business days of crossing the thresholds Company's articles of association may provide others thresholds crossing to be notified to the company. The investor must report the number of securities or right of votes they hold which give deferred access to the capital, as well as the voting rights attached thereto; issued securities, which such person can acquire by virtue of an agreement or financial instrument specified in the article L. Please find a template of declaration of significant shareholdings and declaration of intent with information to be included by following the link Exemption has been maintained for shares held in investment service providers' portfolios: the following shall not be treated as shares or voting rights held by the person required to provide the notification. equities held in a portfolio managed by an investment service provider controlled by that person in connection with an asset management service, if the provider is able to exercise the voting rights attached to these equities only on the instructions of its client or if it provides assurance that the asset management business is conducted separately from all other activities. In addition, the investor which acquires or sells shares of the company admitted to trading on a regulated market when he when company's shares are listed on Euronext Paris (regulated market) and when the investor reaches the 10%, 15%, 20% and 25% thresholds, has to disclose within 5 business days its intentions for the next 6 months to the AMF and the company itself, including the financing of the acquisition and planned strategy. The terms for change of intention are no longer subject to material changes in the situation or ownership of the entities, a new declaration must be filed, valid for a further six months. A standard declaration form has been introduced for the use of portfolio management companies crossing the 10 and 15% thresholds. Transactions to acquire or increase equity interests are subject to prior authorisation by the AMF (described in article 312-13 of the AMF general regulations). To that effect, the AMF shall be notified of any transaction that enables a person acting alone or in concert with other persons to acquire, increase or decrease or cease owning a directly or indirectly held equity interest in a management company. The notice must be given to the AMF by the person or persons concerned before it is executed, if one of the two following requirements is met: A buy­in process applies in terms of on­exchange transactions only. The principles of the buy­in are as follows: To allow LCH to fulfill its obligations vis­à­vis buyers via (i) delivery of the securities or (ii) payment of a cash indemnity amount in the case of a fail with the aim to limit the “age” of “selling” fails. Whilst a buy­in is possible for an open sale position from the first clearing day following the intended settlement date (ISD), LCH allows a postponement of the buy­in until ISD 4 Due to the implementationg of the European Short Selling Regulation, article 15 of Buy-in Procedures, the rule book has changed following items: LCH Clearnet can reduce the timeframe for a buy-in, at its discretion, if it deems that excessive risk would be incurred otherwise. An alter is made to the Clearing Member by LCH Clearnet. Clearnet SA will make tenders at the following quoted price: make tenders at following prices: A maximum of 120% of the opening price of the clearing day following the day of the alert (ISD 4) opening price or earlier in case of an anticipated buy-in. In case of a repurchase failure, a cash indemnity will be given to the failing buyer. This indemnity will be: Equal to 120% of the opening price of the clearing day following the day of the alert (ISD 4) opening price or earlier in case of an anticipated buy-in). In order to limit damages suffered by the buying member at LCH Clearnet, notably in case of high market volatility, the cash indemnity cannot be less to the amount corresponding to the application of the Transaction date purchase price on the Open position remaining on Intended SD 5, or on the Open position remaining at LCH Clearnet on the buy-in execution evening. The cash indemnity amount derived by applying the above is not capped. In case of failure to deliver the promised stock on buy-in execution date, LCH Clearnet, at its sole discretion, may apply an additional 10% penalty fee based upon the buy-in tender price. A fixed administrative fee of EUR 150 per buy-in execution triggered is also payable to LCH Clearnet France is a full member of the Financial Action Task Force on Money Laundering (FATF), and is not on FATF's blacklist. The battle against money laundering, and against organised crime in general, has been a priority of the French authorities for several years with the Act of July 12, 1990 organising the participation of the financial sector to the anti-laundering fight and the creation of the TRACFIN unit (Treatment of Information and action against clandestine financial circuits). The French Government's most recent initiative was the law of May 13, 1996 in respect of seizure and confiscation of the proceeds from crime. In particular, the law creates a general offence that makes it against the law to launder any proceeds from a crime or offence and reverses the burden of proof for people carrying on habitual relations with drug traffickers. Finally, it calls for stricter supervision of money-changers and makes insurance and reinsurance brokers subject to the same anti-money laundering obligations under the Act of July 12, 1990 as insurance undertakings. After its first evaluation by FATF in 1992, FATF concluded that France created a real model for fighting money laundering, sometimes going beyond the text of the Recommendations. The main comment of the first mutual evaluation report on the need to extend the definition of laundering, so far limited to the proceeds of drug trafficking, to all serious criminal violations is fully addressed by the Act May 13, 1996. Other measures that have been taken since the previous evaluation have also strengthened the system instituted by the Act of July 12, 1990. The Law of 1st August 2003 extends suspicious declaration to UCITS, portfolio management companies, marketers of financial services and financial investment counsels; for group companies creates an obligation to provide all the information to organization of combating money laundering and the financing of terrorism. Unquestionably, then, the widening of reporting requirements to encompass suspicions of laundering of funds stemming from organised crime, and creation of a new specialised unit in the Ministry of Justice, have greatly enhanced the French anti-money laundering system. In addition, TRACFIN has managed to establish a good climate of trust with financial institutions. France implemented the First and Second Anti-Money Laundering EU Directives, but has yet to implement the Third Directive. The Third Anti-Money Laundering Directive adopted in 2005 builds on existing EU legislation and incorporates into EU law the June 2003 revision of the Forty Recommendations of the FATF. Two cash clearing systems are available for Euro: Target 2 and EBA. Target 2: It is the Euro cash clearing system for gross settlement including cash and securities. It is a single shared platform (SSP) that replaces the previous local RTGS platforms (example: TBF in France and RTGS in Germany) and the cross border platform (Target 1). It provides extensively harmonised Euro High Value Payments services via an integrated IT infrastructure. The payment orders are irrevocably posted, on a real time basis. The ancillary systems are interfaced with Target 2 platform: the cash legs of the securities systems settle on Target 2 platform. " form, funds are directly received from the issuer (no impact on EOC's records). Further to ESES implementation, entitlement is calculated form a trading perspective on Ex-date. The entitled position is calculated on record date at COB. In this case, the buyer receives the entitlement: Stock =Annually. The payment date (PD) is equal to the ex-date (only for bonds quoted in units), and usually the anniversary of the issuance. Most bonds pay annually, although some pay semi-annually or quarterly. All interest income are usually distributed by the appointed issuers agent through Euroclear and paid to holders on PD. The most common types of corporate actions are loyalty bonuses, dividends, rights issues, subscriptions, optional dividends, takeovers, mergers, warrant conversions, stock splits, redemptions in securities (not that common in French market), withdrawal of valueless securities. Some corporate actions, such as bonus issues or subscription via rights, may lead to the issuance of new shares. New shares do not always rank pari passu with the existing shares and are thus accounted under a different ISIN code. They are normally "assimilated" into the latter "parent code" after the following dividend payment. In France, trade date determines entitlement to participate in the corporate action. Consequently, the record date position is equal to a client's firm position at the close of business on ex-date 1. Corporate actions on unsettled trades are automatically tracked in the ESES platform, which monitors trade and settlement dates for each transaction. ESES automatically transfers the proceeds of the mandatory distribution from the seller to the buyer via market claims during 20 business days after. In case of failing trade in rights on deadline, a liability report can be initiated. Voting rights for bearer shares or registered shares held through a financial intermediary are established based on record date ("registration date") two business days prior to the meeting at start of business. General meetings are announced at least 35 calendar days prior to the meeting date itself. The record date is be determined based on settled positions. Many of the companies listed on Euronext publish their announcement in the BALO thereby the meeting details are available from the following sources: Following the transposition of the European Shareholder Rights Directive (2007/36/EC) into French law, companies have the legal obligation to publish voting results on their websites within 15 calendar days of the meeting. Proxy Voting Restrictions Voting can be exercised in person, by proxy or by mail. Electronic voting (if offered by the company) is possible in France To be noted that since 2003 it is allowed to vote thought electronic means via a dedicated website from the issuer, provided that such a facility is allowed by the Company's Statutes and the Board of Directors. In most cases, mail voting forms, which are printed by the company, are mandatory. Split voting is possible but only when using different proxy cards. The EU Shareholders Rights Directive: The EU Shareholders Rights Directive 2007/36/EC, and the different transposition in the French law mainly in June and December 2010 aiming at harmonising General Meeting and proxy voting practices, came into force on January 1, 2011, the following changes to proxy voting processes have been implemented. The main impacts of the Directive include: Articles L225-106 and L225-107 of the French Commercial Code: In accordance with Article 187, paragraph 1 of the FTC (Article 119 bis-2 of the French General Tax Code (“Code Général des Impôts”/FTC), the standard withholding tax rate is 30% as of January 1, 2012. Foreign investors holding French securities are subject to withholding tax on the income deriving from these securities. Most of these foreign investors can nevertheless benefit from reduced withholding tax rates via the application of Double Taxation Treaties in place between France and their country of domicile, if the required tax documentation is provided in time. Central Banks, Sovereign Governments and Supranational Organisations, e.g. United Nations, are usually exempt from withholding tax on dividends and interest should the required tax documentation be provided in time. The withholding tax rate of 30% decreased to 28% in 2020, 26.5% in 2021 and 25% in 2022. In accordance with Article 187 of the FTC, corporate bonds issued before 1987 are subject to 15% WHT (10% before January 1, 2012) or 17% (12% before January 1, 2012). Such tax is levied at source by the issuer and applies to both French and non-resident investors. Below please find further details: Until March 1 2010, interest payments derived from securities issued after October 1, 1984, and paid outside France, were subject to a 19% tax levy in France. Non-resident investors, however, were not subject to this tax provided that they were able to prove their non-residency. Since March 1, 2010, interest has been largely exempted from the above-mentioned tax levy (exception: interest paid to residents of a Non-Cooperative State or Territory/NCST). There is no capital gains tax withheld through RBC I&TS subcustodian on securities held in its books. Capital gains tax may however be payable on specific gains. RBC I&TS subcustodian does not assist in this regard. Please consult your tax advisor for further information Effective January 1, 2008, transactions on French securities are exempt from stamp duty. This rule applies both to trades using the normal settlement cycle (T 2) and those executed via the Deferred Settlement Service (SRD). Financial Transaction Tax (FTT) : this measure was definitively approved by the French Parliament on the February 29, 2012 The effective date was August 1, 2012 with a rate of 0.2% and applies on any onerous acquisition of French shares listed in domestic, European and /or foreign markets where this acquisition generates a transfer of property. The FTT rate has increased to 0.3% with effect from January 1, 2017. All the details are provided in all corresponding Market Update and Client Update communication.