Gerrard Schmid

Filogix LP used to provide technology to the mortgage and real estate industries. The company was founded in 2000 and was headquartered in Toronto, Canada.

Davis + Henderson Income Fund is a closed-End Investment Fund company. The firm provides chequing accounts and lending services to the financial services industry through its partnership units of Davis + Henderson LP and its subsidiaries Filogix LP, Filogix Inc., Cyence International Inc. and Advanced Validation System LP. It offers chequing & credit card accounts program which include ChequeCentral, ChequeAdvisor, ChequeEssentials, IDefence, BizAssist, eSwitch and credit lifecycle management solutions program which include Filogix Expert, Filogix Express, Filogix Exchange, CollateralGuard, Cyence and Filogix DMS. The company was founded on November 6, 2001 and is headquartered in Toronto, ON.

DH Corp. operates as a financial technology company, which offers software products and services. It operates through three segments: Global Transaction Banking Solutions, Lending & Integrated Core and Canada. The Global Transaction Banking Solutions segment provides financial technology to banks and corporations and offers a line of transaction banking solutions including global and domestic payments solutions, financial messaging, corporate cash and liquidity management and merchant services. The Lending & Integrated Core segment provide solutions like core banking, channel & optimization solutions, and mortgage, consumer and commercial lending. The Canada segment provide payment and lending solutions, which include cheque program, enhancement services, lending solutions, mortgage technology, collateral management solutions, student lending. The company was founded in 1875 and is headquartered in Toronto, Canada.

Lloyds Bank Plc provides banking and financial services. It operates through the following segments: Retail and Commercial Banking. The Retail segment offers financial service products, including current accounts, savings, mortgages, motor finance and unsecured consumer lending to personal and small business customers. The Commercial Banking segment provides a range of products and services such as lending, transactional banking, working capital management, risk management and debt capital markets services to SMEs, corporates and financial institutions. The company was founded on June 3,1765 and is headquartered in London, the United Kingdom.

CIBC World Markets is a full-service investment bank headquartered in New York City. CIBC provides an internationally integrated research product through three primary strategies. In the US, the firm provides research coverage available in areas of focus, including technology, telecommunications, healthcare, energy, power generation and technology, financial institutions, consumer growth, real estate and media. In Canada, the firm offers the full spectrum of coverage for all of the sectors that form the TSE 300 Index. Their broad investment grade analysis of return bond Indices provides daily performance of the Canadian bond market. The sectors covered are: government of Canada bonds, provincial and municipal bonds and corporate bonds rated AAA/AA, A and BBB. Also available is a monthly ABS/MBS market report that provides information on ABS market conditions, market summary data and monthly performance reports on outstanding transactions. This report includes information about the MBS market, including key statistics on MBS spreads and prepayments. Another report contains MBS trading data, cash flows and other key data. A separate monthly Portfolio Valuation Report provides month end pricing for ABS and MBS transactions. Corporate debt research produces highly targeted credit analysis and research for investment grade and high yield debt securities. The corporate bond review covers bond market action, new issues, price/yield movements, rating changes, and buy/sell recommendations. The fixed-income research group produces actionable fundamental and technical analysis, strategies, products, and runs bond indexes and quantitative models relating specifically to fixed income markets, bond portfolios, and individual securities. CIBC provides risk management solutions to corporations, investors, financial institutions, and governments across all asset classes: interest rates, equities, credit, currency, and commodities. CIBC World Markets is a subsidiary of Canadian Imperial Bank of Commerce.