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In a small, walnut-paneled district courthouse more than 200 miles from New Jersey, prosecutors earlier this month moved to dismiss a low-level complaint pending since last fall against the 20-year-old son of Gov. Joshua Murphy, a former student at Tufts University, had faced charges of underage drinking and disorderly conduct, according to court records. The governor's eldest son was arrested after an incident on Halloween night that seemingly spiraled out of control after police said he screamed an obscenity at a campus cop while dressed in costume and walking with two young women, a Budweiser cup in hand, according to a police report. But for Murphy, who actively campaigned for his father, appearing on his behalf on college campuses and in television commercials with his family, it was just one in a series of episodes that could be distracting for any parent -- much less the high-powered governor of the nation's most densely populated state. Josh Murphy already had cast himself into the public spotlight with a much-debated "circle game" hand gesture he flashed while on stage as his father was sworn into office in January. Following his arrest just days before his father literally leaped onto the stage to acknowledge his victory in the New Jersey gubernatorial election in November, Josh Murphy almost drove off a steep slope on a snowy road in Connecticut in February, according to police records. His SUV was discovered by a passing motorist, perched atop a metal wire guardrail above a 75-foot drop into a ravine. A police report noted that the car crossed the oncoming lane and ended up on the opposite side of the road, which had been covered in a mix of slush and snow, but had been sanded. Murphy, according to the police report, told police he crashed the car a couple of hours earlier -- sometime around 4 a.m. Police said he told them he was unable to contact anyone for help because his cell phone had been damaged in the crash. And then in March, the lanky young man who bears a striking resemblance to his father, was seriously hurt in the Bahamas while on spring break. The accident, according to multiple sources who spoke with NJ Advance Media, required him to be airlifted back to the United States. Living in the glare that comes from being the son or daughter of a high public official can bring attention to even the most minor misbehavior - even after one incident, much less three in the span of five-and-one-half months. Christine Todd Whitman, learned as much after she was arrested at the age of 21 on charges of littering for discarding a beer can on the campus of Lehigh University in 1998. Bush were cited for underage drinking violations in Austin in 2001. Brendan Byrne had a minor accident at the age of 21 while parking an official state car at Newark Airport to pick up her boyfriend, it made headlines. The late governor, who knew how to turn around a situation with a self-deprecating quip, simply joked, "I get criticized a lot for how many times I use the state helicopter to go places. But what's a guy to do when his daughter's got the car? "Questions posed by reporters about Josh Murphy's arrest, the Connecticut car accident and the fall in the Bahamas, though, raised the ire of the state's first family, who maintained their son is not a public figure and has a right to privacy."NJ Advance Media should be ashamed. They have sacrificed journalistic integrity for cheap sensationalism without regard for the truth or the harm inflicted," the governor and his wife wrote in a statement responding to a list of questions posed about the three incidents."For the past five months, our son - a private citizen and student - has been living a nightmare. Friends, classmates, school administrators, government employees, and even casual acquaintances have been repeatedly harassed by a group of at least four reporters at NJ Advance Media. Under the false claim of promoting the public interest, the news outlet has circulated outright lies, exploited personal social media accounts of friends and associates, dispatched a reporter to our son's school, and surreptitiously obtained and divulged his personal medical records in violation of privacy rights. This obsessive hunt has been painful, aggressive, and unconscionable," they wrote."Unlike us, our children are not public figures. We refuse to accept this treatment as the norm for the children of any public official. As parents, we have refused to participate in this shoddy and reprehensible attack that is masking as 'journalism' and does absolutely nothing to serve the public interest," they said. They did not answer NJ Advance Media's list of 20-some questions, including whether Josh Murphy's incidents have affected his father's ability to do the job the people of New Jersey elected him to do. The Murphys did not dispute their son was arrested in Massachusetts or involved in two accidents. The only official comment to a question was a no comment by the State Police on whether a trooper or troopers were on the medical flight that transported Josh Murphy out of the Bahamas.(Kevin Whitmer, VP for Content with NJ Advance Media, rejected the Murphys' characterization of the reporting. He said no medical records were divulged and stressed that the story was the culmination of 6 months of careful and detailed reporting.)Josh Murphy was a visible presence on the campaign trail along with his three siblings when his father was running for governor in 2017. Murphy performed student outreach on behalf of the campaign, appearing at universities. Having graduated from the prestigious Phillips Academy, a private preparatory school in Andover, Massachusetts, Murphy started at Tufts University in September 2015, two years before his father was elected governor. The case against him in Massachusetts District Court -- a lower level court that mostly handles misdemeanors and violations of city and town ordinances -- came to light after publicly available social media posts indicated Murphy had left Tufts University and enrolled in Trinity College in Hartford, Connecticut. On the night of his arrest, according to police reports, Murphy, a junior, was walking with friends near the Tufts campus in suburban Boston. According to the police report, he was crossing the street at Latin Way and Professors Row shortly after midnight on Nov. The encounter with police began when he yelled "F--- you! " at campus cops passing in a car, according to the police report. When approached by the officer, Murphy tossed the cup over his shoulder and then tried to push his way past the officer, according to the police report. A Somerville police unit driving past noticed the interaction and stopped to assist, the police report says. Murphy told the officers he had not been drinking alcohol, although according to the report, Murphy's breath smelled of alcohol. Joshua Murphy at his father's inauguration in January, when he made a hand gesture frequently associated with the so-called "circle game" featured on the television show "Malcolm in the Middle." (NJTV photo) A struggle ensued as Murphy tried to get past the officers and started flailing his arms, according to the police report, adding the officers eventually were forced to put Murphy on the ground and handcuff him. Three months after his arrest, Murphy encountered law enforcement again when he crashed his green 2001 Toyota Land Cruiser in the pre-dawn hours of Feb. 3 in Cornwall, Connecticut, according to a police report. Uninjured, Josh Murphy refused medical treatment from an ambulance dispatched to the scene, according to a police report. Connecticut State Police Officer Pawel Porczak, who said he was at the scene, told NJ Advance Media later that no field sobriety test was administered because Connecticut state law requires any test for intoxication to be performed within two hours of operation of the vehicle. Six weeks after his car crash, Murphy had a serious fall while on spring break with his family in the Bahamas. The fall required him to be airlifted to a surgical hospital in the U. Sources say he was picked up by ambulance from the Albany, an exclusive resort whose owners include Justin Timberlake and golf legends Tiger Woods and Ernie Els. Josh Murphy was medevaced later that afternoon to the Hospital for Special Surgery in New York, the sources said. Phil Murphy jokes with his son Joshua, with his wife Tammy and their younger children, Sam, Charlie, and Emma, on election day outside the Fairview Elementary School. (Aristide Economopoulos | NJ Advance Media for NJ.com) Gov. Murphy had departed New Jersey for the Bahamas on March 15, two days after giving a budget address to the Legislature at the Statehouse in Trenton, according to flight records. According to flight manifests held by the Nassau branch of Jet Aviation, the governor was accompanied by one N. State Police trooper on a chartered private jet and arrived on the island of Nassau around p.m. It is not known whether the governor's son flew with him to the Bahamas, although the governor's press office had announced the governor would vacation with his family for the last three days of his children's spring break. It's not known how long Josh Murphy was in the hospital after returning to the States, but he was seen in a wheelchair, leg boot and cervical collar as of late April in publicly available Facebook photos and according to two students at Trinity."These accusations pertaining to the Administration's use of official resources are wholly without merit, and they are being made for one sole purpose. NJ Advance Media is trying to justify a disgusting invasion of privacy into the life of a young private citizen," said Dan Bryan, a spokesman for the governor. "The Governor's children are not public figures, period."The governor's son was not in the courtroom when the case was dismissed. According to the court clerk's office, Murphy was represented by the law office of Laredo & Smith, LLP, an elite, criminal defense firm whose partner, Mark Smith is president of the Boston Bar Association. The law firm would not confirm it was representing Murphy. Under the terms of the agreement revealed in court, Murphy had performed 30 hours of community service, attended classes at college, completed a substance abuse assessment and education program, and wrote a letter of apology to Tufts University police. He was also expected to remain in school, which the judge said he had. There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. Refund requests can be made by signing into online banking and sending a secure message to our online banking support team. If you can't find a no-fee ATM nearby, you can use your RBC Bank Debit card for cash back with your purchases at many larger retail merchants such as grocery stores, or visit any U. All refunds are subject to limitations, refer to the Personal Schedule of Fees for details. If ATM fees apply, during the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction. Refunded fees: Up to 2 fees per cycle for Direct Checking and Royal Embassy Checking account holders and up to 4 fees per cycle for Premium Checking and Preferred Checking account holders; upon client request. ATMs that accept deposits may not be part of our network for no-fee withdrawals. Rbc seton royal bank of canada swift Royal Bank of Canada does not make any express or implied warranties or representations with respect to any information or results in connection with the Account Selector tool. Royal Bank of Canada will not be liable for any losses or damages arising from any errors or omissions in any of the information or results, as well as any action or. RBC will host a strategic update to highlight how the Bank is accelerating its growth in Canada. Senior executives will discuss how RBC intends to deliver greater value to its clients and expand its market-leading positions in Canadian Banking and Wealth Management through new and innovative business models. A stained smear is examined in order to determine the percentage of each type of leukocyte present and assess the erythrocyte and platelet morphology. Increases in any of the normal leukocyte types or the presence of immature leukocytes or erythrocytes in peripheral blood are important diagnostically in a wide variety of inflammatory disorders and leukemia. Erythrocyte abnormalities are clinically important in various anemias. Platelet size irregularities are suggestive of particular thrombocyte disorders. Peripheral blood smear made from EDTA-anticoagulated blood. Smears should be made within 1 hour of blood collection from EDTA specimens stored at room temperature to avoid distortion of cell morphology. Unstained smears can be stored for indefinite periods in a dry environment, but stained smears gradually fade unless coverslipped. Training and experience in examining immature and abnormal cell morphology are essential. A set of reference slides with established parameters should be established to assess the competence of an individual to perform differential and morphological identification of leukocytes and erythrocytes. Participation in a quality assurance program continues to document the expertise of the hematologist in microscopy. Questionable or abnormal smears should be referred to a supervisor or pathologist for verification. *If no significant RBC morphology is seen, report RBC morphology as “Normal”. 2) Size: anisocytosis is a term that denotes variation in size. 3) Shape: poikolocytosis is a term used to denote shape change. If this term is used, it should be clarified as the the particular shape variation, such as 2 elliptocytes, 1 schistocytes, etc. Review the terminology used to denote different shapes of RBCs such as target cells, tear drops, etc. 4) Inclusions: any RBC or WBC inclusions should be noted such as basophilic stippling, Howell-Jolly bodies, Dohle bodies, etc. 5) Any other abnormalities should be reported such as rouleaux, extracellular abnormalities such as certain parasites or suspected bacteria, etc. Albumin anemia artifact Ascaris lumbricoides bacteria basophil Basophilic Stippling bilirubin Blood Agar blood smear Candida Candida Albicans CBC Chocolate Agar CML E. histolytica EDTA Ferritin fibrinogen granular cast Haemophilus influenzae Hemoglobin hemolysis Hemolytic Anemia Hepatitis Howell-Jolly bodies lactose MCV monocyte Neutrophil neutrophils Pollen grain RBC Rouleaux Formation segmented neutrophil Staphylococcus aureus stool analysis target cells Thalassemia Trophozoite urinalysis urine sediment WBC yeast yeasts Albumin anemia artifact Ascaris lumbricoides bacteria basophil Basophilic Stippling bilirubin Blood Agar blood smear Candida Candida Albicans CBC Chocolate Agar CML E. 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Enjoy personalized offers from a variety of great brands with RBC Offers. Simply load any available offer to your eligible RBC personal or business debit or credit card and start getting rewarded with cash savings or bonus points when you shop at the brands you love. The RBC Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card. Eligibility criteria for an RBC Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific RBC Offer for more details. For complete terms and conditions that apply to the RBC Rewards program, please visit: call 1-800-769-2512. Bob Spangler is a Managing Director and Co-Head of the Municipal Finance Department at RBC Capital Markets. in Economics and Policy and Management from Dickinson College. Freund is a Managing Director for RBC Capital Markets, LLC, the Manager of the firm’s Arizona municipal banking operations and a member of the firm's Municipal Banking Management Committee. Freund is among the most experienced investment bankers working in the municipal finance arena and has extensive experience across a broad range of municipal financing structures. In this role, he jointly oversees with Jim Tricolli, one of the largest municipal finance platforms in the country with operations based in New York that includes Municipal Banking, a top 5 nationally ranked underwriter of municipal bonds, and the Tax Credit Equity Group, the top ranked syndicator of US federal tax credits. He has worked with virtually all types of issuers and political subdivisions over a career in the municipal bond industry that spans more than 25 years. Overall, RBC’s Municipal Finance group employs 265 professionals located in 26 offices in 16 states. Spangler is a member of the US Regional Operating Committee and a member of the US Diversity Leadership Council. Spangler received an AB in History from Stanford University and a Masters in Management from the J. Kellogg Graduate School of Management at Northwestern University. Spangler holds the Series 7, 24, 50, 53 and 63 and 79 licenses. Tricolli has over 27 years of experience in municipal finance and joined RBC Capital Markets in 2001. Tricolli was the head of public finance at Tucker Anthony Sutro Capital Markets. Tricolli is a registered securities representative, currently holding Series 7, 24, 52, 53 and 79 securities licenses. During that time, he has led financings for state agencies, counties, cities, public universities, community colleges, nonprofit hospitals and a number of special financing authorities. Jim Tricolli is Managing Director and Co-Head of the Municipal Finance Group at RBC Capital Markets. Tricolli oversees one of the largest municipal finance groups in the country, with operations based in New York and bankers in 26 cities across the U. Among the municipal entities he works extensively with in Arizona are the Governor's Office and many of the large State agencies, including the Arizona Department of Transportation, as well as all three of Arizona's public universities. Over the many years he has been in the business, Mr. Freund has developed and successfully completed many public/private partnership financings for facilities such as the University of Phoenix Football Stadium, several Cactus League baseball facilities, various mixed used developments and many other local development projects. Freund served in a senior staff role for seven years with the Arizona State Senate, including as the Senior Financial Advisor to the Senate where he was responsible for drafting and analyzing legislation concerning statewide tax and expenditure policy. He has developed and drafted many Arizona statutory provisions, and is regularly called upon by the Governor’s Office and the Legislative leadership and staff to provide input and advice on legislation and public policy issues. Freund is registered with the Financial Industry Regulatory Authority, Inc. and maintains Series 7, 24, 52, 53, 63 and 79 securities licenses. He holds a Bachelors degree in economics from Arizona State University. Tony Alfieri has worked extensively in the banking industry for over 30 years, primarily specializing in real estate finance and the creation of affordable housing. Tony joined RBC in 2006 and continued to accept greater leadership responsibility including key roles on the Community Investments’ Operating Committee and the Investment Committee. As Co-Head RBC Community Investments, he has shared responsibility for the Tax Credit Syndication, the Direct Investing, and Workforce Housing platforms including the management of nearly 100 professionals. Tony has held positions as Chief Operating Officer and Managing Director for Asset Management, and Chief Credit Officer for RBC’s affordable housing platform. Alfieri was a Director in Wachovia Bank's Tax Credit Investment Group, where he served in various capacities including Director of Risk Management and had approval authority for equity investments and debt in a multi-billion dollar portfolio. In his 10-year career at Wachovia, he was also a Senior Credit Officer in the Asset Securitization Department and Real Estate Credit Officer. Alfieri has been a member of the Affordable Housing Tax Credit Coalition (AHTCC) since 2013, and served as President from 2016 through February 2018. The AHTCC is a broad-based industry coalition whose mission is to protect and expand the low-income housing tax credit. He is a graduate of Nazareth College in Rochester, NY, with a BS degree in Business Administration and an Economics concentration. Michael Baumrin is a Managing Director in the New York office and is Co-Head of the Housing Group. He is responsible for the Firm’s overall activities in providing state housing finance agencies with investment banking services, and has served as lead banker for numerous state HFAs around the country. He is a Municipal Bond Principal and has his Series 7, 50, 53 and 63 registrations. Boles is a Managing Director in the Dallas Municipal Finance office of RBCCM. During his tenure at RBCCM, the firm’s senior managed client base has grown from one state HFA to 25 and has achieved a number one ranking. He is a Regional Manager, overseeing the operations of our Dallas, Houston, San Antonio, and Denver Municipal Finance offices. In addition, during his tenure, RBCCM has provided in excess of $1.4 billion of credit to the state HFA client base. Baumrin served as Manager of UBS’s Housing Group, which was the number one underwriter of mortgage revenue bonds, senior managing in excess of $33 billion. He is also a member of the Firm’s Operating Committee. Boles has been with RBCCM since 1991 and has been involved in financings during that period for a variety of issuers. Boles has served as an investment banker or financial advisor to virtually every type of tax-exempt issuer, including school districts, counties, cities, public and private universities, community colleges, state agencies, healthcare providers and special districts. Boles’ experience has included all aspects of refunding and new money transactions in both long and short term modes, including virtually all types of security structures, as well as certain derivative instruments. Michael began his career in public finance in 1980 and has worked primarily with state housing finance agencies since 1982. As a manager, he is responsible for the formation and implementation of strategic initiatives for the firm’s Municipal Finance Group in Texas and Colorado. Boles is a Certified Public Accountant and a registered securities representative, currently holding Series 7, 24, 50, 53, and 63 licenses. During his 37 year industry tenure, Michael has worked with state housing finance agencies across the country, providing affordable housing finance for their constituents, implementing many varied programs and bond structures. He previously served as a member of the Board of Trustees of the Municipal Advisory Council of Texas (2011-2015) and as Chairman of the Board (2013-14). Boles holds a BBA from the University of Texas at Austin and a MBA from Southern Methodist University. Cashell is a Managing Director in the Cincinnati, Ohio Municipal Finance office of RBC Capital Markets and manages Public Finance for Ohio. Cashell joined RBC Capital Markets in 2002 after serving as Chief Operating Officer/Chief Information Officer for Cincinnati Public Schools. Cashell oversaw all non-instructional areas for the district. Cashell served for nine years in finance, policy and administrative positions in Delaware state government. from the University of Southern California and a B. in Political Science from the University of Michigan. Prior to investment banking he worked for the Comptroller of the City of New York. His last position there was Associate Secretary of Education for Finance, Policy and Administrative Services. Cashell acted as the Chief Financial Officer for the State Department of Education. Cashell specializes in education and local government transactions including tax increment financing (TIF). Cashell also administers several large structured pooled financing programs in the State of Ohio. Cashell currently holds Series 7, Series 63, Series 53, Series 24 and Series 50 licenses. Cashell holds Bachelor of Science and Master of Science degrees in Economics from the University of Delaware, specializing in mathematical economics and econometrics. Helen Hough Feinberg has been employed by RBC Capital Markets for approximately 30 years. Greg Dawley is a Managing Director in the Los Angeles office & California Regional Municipal Manager for RBC Capital Markets. Dawley has served over 23 years in the municipal finance and governmental industries. She presently serves as the co-head of the firm’s Housing Finance Group with management responsibilities focused on the multifamily sector and State of Florida. Feinberg has approximately 25 years’ experience in the housing sector having served as underwriter or placement agent on a wide range of single family and multifamily transactions. He focuses on a wide range of issuers throughout the Western Region, including those in the general government, utilities, public power, transportation, higher education and K-14 sectors. Dawley served as Assistant Chief of Staff to Los Angeles Mayor Richard Riordan. He is active in his community, serving on the Advisory Board of the Taubman Center at Harvard University’s JFK School of Government. Her affordable housing client base includes state and local housing finance agencies, public housing authorities, developer and non-profits. Feinberg graduated from Wake Forest University where she received a Bachelor of Arts degree with majors in both Economics and Spanish and she completed graduate work in Finance at the University of South Florida. Hoeppner spent 4 years in Citigroup’s public finance group and spent 5 years prior to that at a regional underwriting firm. Previous firms include Morgan Stanley, Merrill Lynch, Banc One Capital Markets and J. She is a licensed General Securities Representative, Municipal Securities Principal and General Securities Principal. Feinberg currently serves as an advisory council member for the Florida Housing Coalition and a board member of the Coalition of Affordable Housing Providers. Feinberg was appointed by Governor Jeb Bush in 2003 to serve as Chair of the Affordable Housing Study Commission for a four year term and previously served as a member of Fannie Mae’s National Advisory Council for a two year term. He has served as the investment banker to a large variety of tax-exempt issuers, including state and municipal entities, authorities and 501(c)(3) charitable organizations. Flaherty has worked on over $8 Billion in tax-exempt issuances and has extensive experience with both general obligation and revenue based transactions. Flaherty was a partner in a regional law firm where his practice was concentrated in financing transactions and bond law. Flaherty served as bond counsel, underwriter’s counsel, and counsel to lenders in a wide range of transactions involving municipal entities. In addition, he has his Series 7 and Series 63 Securities registrations. Stephen Flaherty is a Director in the Lancaster, Pennsylvania Municipal Finance office of RBC Capital Markets and manages Public Finance for Pennsylvania, New Jersey and Maryland. Prior to attending law school he was a corporate tax accountant for a major securities firm and the controller of a manufacturing firm with an international marketplace. Flaherty is a registered securities representative, currently holding Series 7, Series 24, Series 50, Series 53 and Series 63 licenses. Flaherty holds a Bachelor of Business Arts in Accounting and Economics from the University of Notre Dame and received a Juris Doctorate from The Dickinson School of Law of the Pennsylvania State University. Hoeppner is a Managing Director in RBC CM’s Midwest/Large Client/Housing Groups and is Manager of the Minneapolis public finance office. Hoeppner has 19 years of banking experience, which includes work at a national financial advisory firm that specialized in providing quantitative cash flow analyses, pricing, and program development services for issuers of municipal housing bonds. Hoeppner has served as banker on senior managed issues for various State Agencies in Colorado, Florida, Illinois, Iowa, Minnesota, New York State, North Dakota, Ohio, Tennessee, Texas, Vermont, and Wisconsin. Hoeppner received a Bachelor of Science in Finance from the University of St. Andrew Mendelson is a Director in the Municipal Finance Group at RBC Capital Markets and is Co-Head of Municipal Transportation Finance. He specializes in project finance with expertise and experience including: Andrew focuses on complex debt strategies and financial structuring / engineering for transportation infrastructure projects nationwide. in Economics (Suma Cum Laude/Phi Beta Kappa) and a B. in Systems Science and Engineering (Magna Cum Laude/Tau Beta Pi), both from Washington University in St. He has led the development and structuring of multiple new indentures for large bonding programs and worked through rating agency and investor education processes for the related new credits. Louis, as well as a MBA with specializations in Finance and Management (Stern Scholar/Beta Gamma Sigma) from New York University Stern School of Business. Jon serves as Manager of RBC’s Denver Public Finance office, Colorado’s leading underwriter of tax-exempt and taxable municipal securities. He is charged with further expanding the firm’s presence in Colorado and throughout the Western Region. Jon has more than 15 years of experience serving state and local government clients on more than $20 billion in securities and financial products in ten different states. He frequently serves Colorado’s largest governmental entities: the State of Colorado, the University of Colorado, Colorado State University, the Colorado Department of Transportation, and the Denver Regional Transportation District. A list of transactions Jon has led for longstanding Colorado clients includes: In addition to the transactions listed above, Jon brings innovative financial solutions to a wide variety of government entities. Examples include Denver Urban Renewal Authority, the Colorado Department of Corrections, the Capitol Parking Authority, the Colorado School of Mines, Metropolitan State University of Denver, cities such as Aurora and Fort Collins, counties including Adams, Broomfield, Jefferson and Routt; and numerous special districts, improvement districts and urban renewal authorities. A fourth generation native of Colorado, Jon holds a Bachelor of Science degree in Business Administration with a concentration in Finance from Colorado State University and a Juris Doctor degree from the University of Colorado School of Law. Christine Pihl has over 30 years of experience in public finance specializing in public power and utility sector clients and Northwest issuers. Puig is a Managing Director in the New York City and Albany Municipal Finance offices of RBC Capital Markets. Her experience includes leading financings for a wide range of utilities including the Los Angeles Department of Water & Power, securitization financings for the Utility Debt Securitization Authority for the Long Island Power Authority, serving as lead banker for SCPPA for Windy Point, the largest electric power prepay transaction and one of the largest wind farms in the nation, the Intermountain Power Agency, Cal ISO, the Salt River Project, Anaheim Public Utilities, Her northwest coverage includes a wide range of public utility districts including Benton County PUD, Franklin County PUD, Grant County PUD, Douglas County PUD, King County Sewer, Tacoma Power and the Eugene Water & Electric Board. He serves as the Co-Head of the New York Group and is a member of RBC’s large issuer practice team and the firm’s Municipal Markets Transaction Review Approval Committee. Puig joined RBC Capital Markets in 2006, after twenty-two years at First Albany Capital. In addition to her utility clients, she also has led transitions in the Northwest for issuers including the Port of Seattle, the State of Washington and the City of Tacoma. Some of her prior affiliations include the financial advisory firm, Capital Advisors, Seattle-Northwest Securities and JPMorgan. During his 30 year career in municipal finance, Mr. She began her career in public finance as an analyst for Lehman Brothers in New York. in Economics from the Wharton School of the University of Pennsylvania and a M. Puig has served as lead relationship banker for many of the largest and most sophisticated municipal issuers in the tax-exempt market, including the Dormitory Authority of the State of New York, the New York State Thruway Authority, the Empire State Development Corporation, the Metropolitan Transportation Authority, New York City, the Commonwealth of Massachusetts and the State of Connecticut. Christine holds the following licenses: Series 7, 24, 52, 53, 63 and 79. He has also been integrally involved since inception with the development and capital plan implementation for one of the largest public private partnerships in the US, the State University of New York College of Nanoscale Science and Engineering’s (“CNSE”) research facilities in Albany and Marcy. Through 2013, New York State and over 100 private companies including IBM, Intel, Tokyo Electron, Taiwan Semiconductor, Samsung and Global Foundries have invested over $5 billion in facilities and programs at CNSE. Puig is a registered securities representative holding Series 7, 24, 53 and 63 licenses. A graduate of Siena College and the Albany Law School of Union University, Mr. Puig has served as President of the Albany Boys and Girls Club , Treasurer of WMHT Public Television and Radio and Treasurer of the Albany Ronald Mc Donald House. He also serves or has served as a board member of the Interfaith Partnership for the Homeless, the Albany Institute of History and Art, The Center for Disability Services, Living Resources Foundation, the New York State Thoroughbred Capital Investment Fund and the Albany County Investment Advisory Board. Shultis joined RBC Capital Markets in 2013 and is Manager of the Client Solutions Group in Municipal Finance. In this regard he oversees a team that designs, markets and executes balance sheet based solutions for the municipal client base. for 22 years where he was Managing Director and Head of Municipal Structured Products. Shultis graduated magna cum laude from the University at Albany (Albany, NY) with a BS in Business Administration. Shultis is registered with FINRA with the Series 7, 24, 53 and 63 licenses. Snider joined RBCCM in 1989 and since that time has been involved with over $10 billion in municipal bond financings for a variety of cities, counties, special districts, charter schools, school districts, universities and state agencies. Snider has a wide variety of experience, his primary area of expertise has been financing for K-12 education borrowers, including charter schools. Snider heads RBC Capital Markets’ Charter School Finance Group. These solutions include traditional banking products such as letters/lines of credit as well as direct purchase products including floating rate notes and drawdown bonds. Shultis is a member of both the Municipal Finance and the Municipal Markets Operating Committees, as well as a member of the ALCO of RBC’s US Intermediate Holding Company. Since 2000, RBC Capital Markets has financed in excess of 100 charter school projects for over 50 charter school organizations, securing over $1.5 billion for acquisition, construction, renovation, leasehold improvements, refinancing and related costs for charter schools. RBC Capital Markets’ Charter School Finance Group has financed charter schools in multiple states, including Arizona, California, Florida, Illinois, Indiana, Massachusetts, New Jersey, North Carolina, Ohio and Texas. Snider has served as RBC's lead banker for Aspire Public Schools, BASIS Schools and Great Hearts Academies, among others. Outside of the K-12 education area, high profile bond financings lead and completed by Mr. Snider include $350 million of research facilities for the University of Arizona and $450 million for the Arizona Sports and Tourism Authority’s share of the home stadium of the NFL Arizona Cardinals and MLB spring training facilities. Snider received his Bachelor’s of Science degree in finance from Arizona State University, graduating summa cum laude, and his Masters in Business Administration from the University of Chicago. Snider’s community involvement includes sitting on several boards, including serving on the executive committees and as Board Chair of the Phoenix Boys Choir Association and Arizona School for the Arts, an excelling Arizona charter school, as well as being a member the board and advisory committee of the Arizona Charter School Association. Frank Vega, a Managing Director in the RBC Capital Markets Los Angeles public finance office, leads the firm’s California K-14 Education Group and currently serves as sector head for RBCCM’s National K-12 School District practice. Born and raised in Los Angeles, Frank has spent his entire public finance career working exclusively with California schools and colleges. Since joining RBC Capital Markets Frank has helped lead and senior manage more than 100 transactions for California school and community college districts. Frank specializes in structuring General Obligation Bonds, Certificates of Participation and Tax and Revenue Anticipation Notes. Recent examples of Frank’s lead manager and structuring experience include a $129 million G. Bond and Note restructuring for South San Francisco Unified School District, and a $5 million technology bond financing to help deliver one-to-one learning devices for Coachella Valley Unified School District. Prior to joining RBC Capital Markets, Frank served as a legislative aide and committee consultant in the California State Legislature, and as Executive Director of California Educational Facilities Authority under State Treasurer Phil Angelides. Frank is married to Michelle Ann Vega, and has two children, Madeline and Teddy. Frank received a Bachelor of Arts degree in Political Science from the University of California-Davis, and a Masters in Business Administration from the University of Southern California. Davis, Frank was a member of the Track & Field teams for both schools, and was part of two Northern California Athletic Conference championships in 19 for U. Frank currently holds FINRA Series 7, 53 and 63 securities licenses. Frank is a proud product of the California Community College system, having attended Glendale Community College. Craig Wagner joined RBC in 2002 and has continued to assume greater leadership responsibility, including key roles on the TCEG Operating Committee and chairmanship of the Investment Committee. He currently serves as Managing Director – Tax Credit Investments for TCEG, responsible for the oversight of the Syndications staff, as well as State Tax Credit and New Markets Tax Credit business. Prior to this role, Craig was Director of Business Development with responsibility for new products business development and managed the firm’s national accounts. Previously, he was also the Director of Originations and a Regional Director – Southeast where he led a team in the areas of origination, financial underwriting, and partnership structuring of investments. Craig’s experience includes the acquisition and underwriting of LIHTC, HTC, and various state tax credit investments. He has worked with numerous housing authorities, for-profit developers, and non-profit developers on various property types including HOPE VI, mixed-income, and mix-use transactions. Wagner served in various leadership roles as an officer in the United States Navy and as a production manager for Frito Lay, Inc. Craig, a graduate of Northwestern University with a Bachelor of Arts in Economics, earned his Masters in Business Administration with concentrations in Real Estate and Finance from the Kenan-Flagler Business School, University of North Carolina-Chapel Hill. Wagner is a Managing Director in the Municipal Finance Group of RBC Capital Markets, LLC and divides his time between the firm’s offices in Phoenix and Los Angeles. He has primary coverage responsibility for the firm’s student loan clients, as well as for several colleges and universities in California. Wagner began his investment banking career in New York in 1986 when he joined the public finance department of Manufacturers Hanover Securities Corporation as a quantitative analyst. After spending six years at “Manny Hanny”, he joined Paine Webber in 1992 as one of four founding members of its New York-based education loan finance team. He spent four years at Paine Webber before departing in 1996 for an opportunity to launch a national education loan finance practice for one of RBC Capital Markets’ predecessor firms. By 2007 he had grown this effort from a two-person team in Phoenix to 13 professionals in three different offices. The firm’s education loan finance practice remains one of the most productive and well-respected practices of its kind, and consistently ranks as the most active lead managers. He has completed over $48 billion in financings on behalf of 35 separate organizations since 1986, including state agencies, nonprofit organizations and private colleges and universities, and is responsible for introducing numerous new financing products, debt structuring techniques and computer modeling innovations. His current clients include the Utah State Board of Regents, Minnesota Office of Higher Education, Pennsylvania Higher Education Assistance Agency, Midwestern University, New Hampshire Higher Education Loan Corporation, Alaska Student Loan Corporation and North Star Education Finance. Mark Maroney is the Head of the RBC Capital Markets Fixed Income Municipals Products business line. An active participant in higher education finance industry trade groups, such as the Education Finance Council (EFC), the National Association of College and University Business Officers (NACUBO) and the Western Association of College and University Business Officers (WACUBO), Mr. and has been involved in developing new bond approaches such as Green Bonds, as well as securing ratings upgrades, developing bond issuance strategies to meet capital improvements needs and providing the insight needed to address market constraints. He is a member of the Capital Markets US Regional Operating Committee and a member of the Global Fixed Income Operating Committee. Maroney started his career in the Municipal Securities Group at UBS, formerly Paine Webber where he ultimately was responsible for the Municipal Derivatives and Lending Group. Wagner is a well-known municipal finance industry veteran. in Finance from Columbia University’s Graduate School of Business. He is active in the environmental finance community and speaks on occasion at the Council of Infrastructure Finance Water Authority conferences. Williams received a BA from Dartmouth College, an M. in Urban Planning from the University of Virginia, and an M. He joined RBC Capital Markets in May of 2007 to oversee the Municipal Products Group. Durando is a Managing Director and Head of Municipal Syndication for RBC Capital Markets. He is often called upon to speak at industry conferences, issuer and investor seminars, client board meetings and other industry-related events. Wagner is a registered securities representative, currently holding Series 7 and Series 63 licenses, and holds a B. in Business Administration from the State University of New York at Albany, with concentrations in Finance and Management Information Systems, and an M. Tim Williams heads RBCCM’s Public Power and Water Utilities Group where he focuses on SRF and water & sewer issuers nationwide. Williams has over 18 years of public finance experience, senior managed, structured, and run cash flows for many SRF and water and sewer credits. In 2009, he took over responsibility for the Municipal Capital Markets platform overseeing sales, trading, underwriting, derivatives and structured product activities. Maroney is an active member of the SIFMA Municipal Executive Committee and various sub-committees focusing on secondary market infrastructure and structured products. Maroney received his Bachelors of Science from the University at Albany, Albany, New York with dual concentrations in Finance and Management Information Systems. His primary responsibilities include RBC Capital Market’s underwriting engagements for major transactions nationally. Durando has over 32 years experience in Municipal underwriting and trading, having directed senior managed transactions in excess of $65 billion in Municipal debt during his career. Durando spent his career at Wachovia Bank and its predecessor organizations where he was a Managing Director and Manager of Municipal Trading and Underwriting. Durando graduated from the University of Delaware in 1980 with a BS-Finance degree and Seton Hall University in 1984 with a MBA-Finance. Durando is currently registered with the Financial Industry Regulatory Authority, Inc. Major SRF clients include new indenture SRF credits (Virginia, Illinois, and Oklahoma); restructured SRF credits (Iowa, Kansas); Reserve Fund SRF credits (New York, Michigan, Connecticut, Colorado, Massachusetts, Missouri, and Rhode Island), and Cash Flow and Hybrid SRF credits (Ohio, Florida, Arizona, North Dakota, Maine, Virginia, and South Dakota). While at University, he participated in various independent studies of the US public finance markets. ("FINRA") with Series 7, 63 & 53 securities licenses. Major senior managed water and sewer clients include City of Columbus, City of Atlanta, Denver, Massachusetts Water Resources Water Authority, DC Water, Hampton Roads, VA, Phoenix, St. Prior to joining RBC in September of 2008, Karl was an Executive VP at UBS and Senior Institutional Salesperson at UBS and Goldman Sachs. Karl has primary coverage responsibility for some of the firm’s key institutional account relationships on the municipal side. In addition to maintaining his position as an institutional salesperson, he assumed the responsibilities of Manager, Institutional Sales at RBC Capital Markets in May, 2010. Karl holds a Finance degree from the University of California at Berkeley. He also holds the following certifications: Series 7, 24,53 and 63 Keith focuses on the strategic growth, risk management, new product development (including electronic trading initiatives), and day-to-day management for the Trading, Sales, and Syndication business for the Municipals and Securitized Products areas. He is also part of a team that manages a multi-billion dollar municipal buy-and-hold investment portfolio for the Bank. In addition, he interfaces with the broader RBC platform and participates in Fixed Income & Currency-wide initiatives. Keith is a member of the Municipal Capital Markets Operating Committee. Previous roles at RBC include Managing Director in Global Rates Strategy and Management developing, implementing, and driving global strategies related to the cash and derivatives businesses, Derivatives Analyst on the Institutional Municipal Trading desk concentrating on quantitative hedging and trading strategies and building proprietary risk and analytical tools, and Senior Strategist in Fixed Income Trading Research focusing on multi-sector transaction strategies and portfolio/balance sheet analysis for institutional customers. Prior to RBC Capital Markets, Keith worked in equity research at Susquehanna Financial Group, fixed income research at Morgan Keegan, and asset management at Goldman Sachs. Keith holds a Bachelor of Science with a double major in Economics and Computer Science from Yale University and an MBA with a double major in Finance and Accounting from the Wharton School of the University of Pennsylvania. He is a CFA Charterholder and holds the Financial Risk Manager (FRM) designation as well Series 7, 24, 53, and 63 licenses. Colaiacovo’s current position is Retail Trading Manager/Syndicated Risk. He started in the financial industry shortly after graduating from Radford University in May of 1991. Daren has held positions as an Institutional Salesperson, Junior Trader, Retail Trader, Senior Retail Trader, Senior Institutional Trader, Senior Underwriter and currently Head of Retail Trading/Syndicate Risk. Daren started at RBC in 1993 as a Junior Trader and then expanded his role to Retail Trader on the Fixed Income Trading desk of First Institutional Securities which was acquired by RBC in 2003. After the acquisition, his role expanded to Senior Retail Trader on the Regional Municipal Trading desk in West Paterson, NJ. He eventually moved to the NYC trading floor as a Senior Institutional Trader and then took on the role of Senior Underwriter. Daren is currently the Head of Municipal Retail Trading and Syndicate Risk. Colaiacovo is responsible for managing Retail Trading of municipal bonds at RBCCM. Retail Trading’s primary focus is the merchandising of municipal bonds to meet RBC’s Wealth Management’s effort to provide various product demands of the retail distribution network. Additionally, Daren manages syndicate risk by monitoring and marketing the balances of capital commitments from various syndicate municipal bond deals. Colaiacovo holds Bachelors of Business Administration with a concentration in Finance from Radford University in Radford, VA and Series 7, 53, 56 and 63 licenses. Huesman’s current position is Municipal Investment/TOB Portfolio Manager. Prior to joining RBC, Joe was at Deutsche Bank where he traded Municipal Bonds, Municipal Derivatives and Illiquid Credit. Throughout his years at RBC he has held positions as a municipal bond trader, underwriter, salesperson, and tender option bond portfolio manager. Huesman is responsible for managing the Bank’s municipal bond portfolio, its municipal direct purchase lending portfolio and the firms 3rd party tender option bond portfolio which provides financing to RBCCM’s top tier municipal bond customers. Huesman holds a BA in Economics from the University of Richmond and an MBA from Loyola College in Maryland and Series 7, 24, 52, 53, 55, 63 and 79 licenses. Losty manages the RBC Capital Markets Municipal Products Group with focus on marketing to tax-exempt issuers in all sectors. Joe began his 25 year career in Municipal Finance at Alex. He has been instrumental in developing new and innovative use of derivative structures that have received wide acceptance in the tax-exempt market. Over his 33 years in the industry, he has focused on creative financing structures in both the cash and derivative markets that have resulted in several billion dollars of financing transactions. Losty has also worked extensively with many state and local authorities. Prior to rejoining RBC in 2011, Pat was a Director and Municipal high yield/special revenue trader at Jefferies. These include: North Texas Transportation Authority, Denver Public Schools, Texas Department of Transportation, Philadelphia Authority for Industrial Development (PAID), Montgomery County Health and Higher Education Authority and the Hospital & Higher Education Facilities Authority of Philadelphia, the Pennsylvania Turnpike Commission, the Commonwealth of Puerto Rico as well as many others. Losty served as Manager of Wheat First Butcher Singer Public Finance department for over 10 years. Losty is a graduate of Villanova University with a B. He managed the Municipal Middle Markets sales and trading at First Albany/Depfa Bank. Pat started his municipal career at Tucker Anthony in 1990 and traded retail, municipal Middle Markets and Institutional books during his time there. Tucker Anthony was bought by RBC and Pat traded Institutional and Middle Markets books here until 2003. He also holds the following certifications: Series 7, 53 and 63. Aside from his managerial responsibilities, Pat is responsible for institutionally trading high yield/ California, zeros and muni derivatives for the bank. Craig Laraia is the Head of RBC Capital Markets’ Municipal Short-Term Department. Laraia is responsible for the trading, underwriting, and remarketing of a complete range of short term debt instruments. Laraia managed the Short-Term Department for Alex Brown & Sons, where he was a Principal. Laraia has been responsible for the underwriting and remarketing of over 1700 short-term issues, representing in excess of $70 billion in aggregate principal amount. Laraia received a Bachelor of Arts degree from Adelphi University. Laraia also holds Series 7, Series 53, Series 24, and Series 63 Securities Licenses. Rbc seton rbc general fund Upon request, we will refund other banks’ fees up to 4 ATM transactions per cycle for RBC Bank Premium Checking and Preferred Checking account holders, and 2 per cycle for RBC Bank Direct Checking and Royal Embassy account holders. Q. How do I get a refund for ATM fees other banks may charge? A. Red Bank Catholic has an established Dual Enrollment Program with Seton Hall University and Brookdale Community College. The program allows qualified sophomores, juniors and seniors the opportunity to earn college level credit for certain Advanced Placement and/or Honors level courses taught here at RBC. Royal Bank of Canada does not make any express or implied warranties or representations with respect to any information or results in connection with the Account Selector tool. Royal Bank of Canada will not be liable for any losses or damages arising from any errors or omissions in any of the information or results, as well as any action or. RBC will host a strategic update to highlight how the Bank is accelerating its growth in Canada. Senior executives will discuss how RBC intends to deliver greater value to its clients and expand its market-leading positions in Canadian Banking and Wealth Management through new and innovative business models. Dave Mc Kay is President and CEO of RBC, Canada’s biggest bank, and one of the largest in the world based on market capitalization. Dave is credited with helping transform the bank’s retail division and introduce new technology that has enabled RBC to adapt and evolve to rapidly-changing consumer demands. Appointed President and CEO in 2014, the following year he led the acquisition of City National Corporation, creating a platform for growth with institutional, corporate and high net worth clients in the U. Dave started his career at RBC in 1988 as a computer programmer before moving to the organization’s retail banking arm. He then held progressively senior roles in Canada and Japan in retail and business banking, group risk management, and corporate banking, ultimately becoming Group Head, Personal & Commercial Banking in 2012. Dave was named ‘Retail Banker of the Year’ in 20 by Retail Banker International. An unwavering champion for Canada’s innovation ecosystem, Dave is leading RBC’s support for and partnerships with universities, start-ups and accelerators, particularly in transformational technologies such as artificial intelligence and blockchain. He is also a passionate advocate for youth, promoting the benefits of work-integrated learning and supporting the development of RBC Future Launch, a 10-year, $500 million commitment to help young people build the skills and capabilities required to succeed in a changing world. Dave holds a Bachelor of Mathematics from the University of Waterloo, an MBA from the Richard Ivey School of Business at the University of Western Ontario and an honorary Doctor of Laws degree from Ryerson University. He serves on the Board of Trustees for the Hospital for Sick Children (Sick Kids) and is a member of the U. Financial Services Roundtable Board, the Business Higher Education Roundtable, the Business Council of Canada, and the Catalyst Canada Advisory Board. In 2016, Dave chaired the United Way Toronto and York Region’s record-breaking fundraising campaign. As Chief Financial Officer, Rod Bolger is responsible for Finance, Taxation and Performance Management and Investor Relations, Corporate Treasury, and The Law Group. Together with other members of Group Executive, he is responsible for setting the overall strategic direction of RBC. He earned his CPA (inactive) in the State of New Jersey in 1991. In addition, Rod chairs RBC’s Asset-Liability Committee. Bolger was Executive Vice-President Finance & Controller for RBC and was responsible for all external, board and management reporting, accounting policy, performance management, financial management systems and finance operational risk. He is married with three children and lives in Toronto, Canada. In addition, Rod had finance responsibility for Wealth Management, Insurance and Investor & Treasury Services. Bolger joined RBC bringing with him significant financial services experience from Bank of America and Citigroup. Bolger serves as Chair of Dixon Hall Neighbourhood Services, a multi-service not-for-profit agency that offers a wide range of supportive programs and services to several Toronto communities. As Group Head, Personal & Commercial Banking, Neil Mc Laughlin is responsible for RBC’s banking businesses in Canada and the Caribbean, including personal and commercial financial services, credit cards and payments, digital solutions, as well as RBC’s sales and branch distribution, operations and advice centres. At Bank of America, he served as the CFO for Global Technology & Operations, Global Corporate Bank, Global Product Solutions and Premier Banking and Investments. He was a member of the Enhanced Disclosure Task Force established by the Financial Stability Board in Basel. Together with other members of Group Executive, Mr. At Citigroup, he was Deputy CFO and Controller for the domestic retail bank, and head corporate accounting policy for mergers, acquisitions and divestitures, globally. He is a graduate of Georgetown University in Washington, D. Mc Laughlin is responsible for setting the overall strategic direction of RBC. Prior to that, he spent over a decade with Pricewaterhouse Coopers in the U. Immediately prior to this position, as Executive Vice President, Business Financial Services for RBC’s Canadian Banking division, Neil was responsible for setting the strategic direction and leading all lines of business that serve small business and commercial clients through an extensive business banking network. Neil joined RBC in 1998 and has held a wide range of senior management and executive positions within Canadian Banking, including roles in the Credit Card and Personal Lending lines of businesses and distribution and operations. As well, Neil was Senior Vice President Marketing & Channel Strategy, responsible for leading Brand, Marketing, Advertising and Sponsorship, with direct accountability for digital channels, the physical distribution network, client knowledge and insights and the client information management team. He also served as Senior Vice President, Risk Operations within Canadian Banking Operations, responsible for credit adjudication, fraud, collections, operational risk and the Commercial Advisory Group. Neil holds a Bachelors of Commerce degree and an MBA. He lives in Toronto with his wife and their two children and currently serves on the board of the Children’s Wish Foundation, Ontario Chapter. As Group Head, RBC Wealth Management & RBC Insurance, Doug Guzman leads the RBC businesses that serve the wealth management needs of affluent and high net worth clients globally, and teams that provide asset management and trust products. He also oversees RBC Insurance, which provides a wide range of travel, life, health, home, auto, wealth and reinsurance products and solutions, as well as creditor and business insurance services, to individual, business and group clients. In addition, along with other members of Group Executive, Mr. He had senior client coverage responsibility for a number of RBC Capital Markets' most important clients and was a member of the firm's Operating Committee and Loan Commitments Committee. Guzman has become known for his focus on clients and relationships, while delivering strong business results. Guzman is responsible for setting the overall strategic direction of RBC. Guzman has also assumed the role of Deputy Chair, RBC Capital Markets, where he continues to act as the lead relationship manager with a select number of key clients. Guzman was Managing Director and Head of Global Investment Banking, Capital Markets, responsible for the firm's Investment Banking teams globally, as well as U. Before joining RBC in 2005, he was a Managing Director at Goldman Sachs in New York and Toronto, where he had co-head responsibility for each of the Global Metals and Mining and the Canadian Investment Banking businesses. Guzman co-led the RBC Employee Giving Campaign, inspiring employees to go above and beyond in their personal donations and driving record results. In addition, he is a member of the Board of Directors of St. Michael's Hospital, the Advisory Board of the Richard Ivey School of Business Administration at The University of Western Ontario and the Board of Trustees of the Upper Canada College Foundation. Guzman has an Honours BA (Business Administration) from Ivey at the University of Western Ontario and an MBA with high distinction (Baker Scholar) from Harvard Business School. He is married with two children and lives in Toronto, Canada. As Chief Strategy & Corporate Development Officer, Mike is responsible for working with Group Executive to develop RBC’s overall strategic plan as well as providing leadership for mergers and acquisitions. Mike also chairs RBC’s Innovation Council which, in addition to overseeing investments in strategic partnerships, has responsibility for coordinating RBCs Innovation Labs which focus on research and the development of advanced capabilities in the areas of data, security and client experience. S., a director of City National Bank and is responsible for RBC’s auto finance business. where he served as Executive Vice President, Consumer Banking Segment. As a member of Group Executive, he is one of nine executives responsible for setting the overall strategic direction of RBC. strategy where he led both the acquisition and integration of City National Bank – RBC’s largest ever acquisition. Mike also held executive positions with Charter One Bank and Citibank during his 25 year career. Mike and his family are active supporters and fundraisers for WE and other local charities. Prior to this position, Mike served as Executive Vice President of Personal Financing Products, RBC’s largest banking segment. Mike also sits on the board of directors for Futurpreneur Canada. Mike, his wife Nikki and their two sons live in Toronto. As Group Head, Technology & Operations, RBC, Bruce Ross is responsible for the strategy and overall management of global technology and operations for RBC, which includes applications development, infrastructure and enterprise operations. In addition, as a member of Group Executive, he is one of nine executives responsible for setting the overall strategic direction of RBC. Bruce is a seasoned executive with more than 28 years of technology and business experience. Prior to joining RBC, he was the General Manager, Global Technology Services, North America at IBM. He was a member of IBM's Performance Team setting the operational direction of the corporation. He was also a member of IBM's Strategy Team which set the long term direction for the business including its investments in emerging markets, Cloud, and Analytics. His prior roles included General Manager, Global Technology Services, Europe for IBM, General Manager and President, IBM Canada, General Manager, Global Technology Services UK, Ireland, and South Africa. Bruce's areas of responsibility have included providing thought leadership and services to financial institutions globally. Bruce is active in a number of business and community organizations in Canada, serving as a Board Member for both the International Board of Advisors as well as the University of Western Ontario. He is also a member of the 2017 Toronto & York Region United Way Campaign Cabinet. In recent years, he served as the Chair of the Ontario Brain Institute Liaison Council. He also sat on the Board of Directors of the Conference Board of Canada, and was a member of the Canadian Council of Chief Executives. Bruce is a professional engineer and a graduate of the University of Western Ontario. He is married with two children and lives in Toronto, Canada. Foteini Agrafioti is the Chief Science Officer at RBC and Head of Borealis AI, RBC’s Research Institute in Artificial Intelligence. She is responsible for RBC’s intellectual property portfolio in the fields of AI and machine learning. Agrafioti founded and served as CTO at Nymi, a biometrics security company and maker of the Nymi wristband. Foteini is an inventor of Heart ID, the first biometric technology to authenticate users based on their unique cardiac rhythms. She is also a TED speaker and serves on the editorial review boards of several scientific journals. Foteini was named “Inventor of the Year” in 2012 by the University of Toronto, where she received her Ph D in Electrical and Computer Engineering. She was also named as one of Canada’s “Top 40 under 40” in 2017. As Executive Vice President, Cards, Payments & Banking, Sean Amato-Gauci is responsible for the strategic direction and operational performance for cards (credit, debit, prepaid, commercial) retail payments, personal banking, rewards and loyalty programs, merchant payment partnerships, and payments innovation. Prior to assuming his current position Sean led the Home Equity Financing business. He led a team responsible for managing all aspects of residential lending, including developing the strategic plan to drive profitable market leading growth, acquisition and distribution strategy, product and performance management, pricing, policy and regulatory management, client segmentation and innovation. Sean joined RBC in 1995 and has held increasingly senior positions in Finance, Personal Lending, Commercial Account Management, Credit Cards, Group Risk Management, and Home Equity Financing. Sean has a Bachelor of Commerce degree and is a CPA, is active in several leadership, diversity and mentorship programs and is a board member of the Prince’s Charity Responsible Business Network. As Vice President of RBC Rewards & Loyalty, Jacquelina has overall responsibility for leading Canada’s largest prioritary loyalty program from seting the strategic vision and direction of the business to the overall performance. Prior to this role, Jacquelina had overall accountability for RBC’s digital practice including leading the digital agile transfromation and building award winning digital channels and capabilities. Jacquelina joined RBC in 2002 and has held increasingly senior positions in Distribution Channels, Marketing, Digital, Innovation, Operations, Investmens, and Cards & Payments. She holds a BA from Mc Master University, is a certified agile leader, and is on the Board of Directors for the Learning Disabilities Association of Toronto District. In 2017, Jacquelina was among the Top 100 Award Winners of Canada’s Most Powerful Women where she was honored with the Trailblazers & Trendsetters Award and in 2015, she was the recipient of the Woman in Payment Award in recognition of her critical contribution and leadership in shaping RBC’s future.