APPENDIX B
List of Submissions

Acorn Partners

AGF Management Limited

Alberta Women's Enterprise Initiative Association

Amherst Consultants Ltd.

"Association des consommateurs du Québec"

"Association des intermédiaires en assurance de personnes du Québec"

Association of Canadian Financial Corporations

Association of International Automobile Manufacturers of Canada

Association of Life Insurers (Quebec Charter)

Banca Commerciale Italiana of Canada

Bank of Canada

Bank of Montreal

Scotia Bank

Bitney and Company

Gérald Boudreau

British Columbia Task Force on Bank Mergers

Business Development Bank of Canada

Canada Deposit Insurance Corporation

Canada Life

Canada Trust

Canadian Association of Factors and Credit Insurers

Canadian Association of Financial Institutions in Insurance

Canadian Association of Insurance and Financial Advisors

Canadian Association of Mutual Insurance Companies

Canadian Automobile Dealers Association

Canadian Bankers' Association

Canadian Banking Ombudsman

Canadian Community Reinvestment Coalition

Canadian Corporate Funding Ltd.

Canadian Direct Marketing Association

Canadian Federation of Independent Business

Canadian Federation of Independent Deposit Brokers

Canadian Finance & Leasing Association

Canadian Fraternal Association

Canadian Imperial Bank of Commerce

Canadian Labour Congress

Canadian Life and Health Insurance Association Inc.

Canadian Life and Health Insurance Compensation Corporation

Canadian Medical Association

Canadian Payments Association

Canadian Retail Building Supply Council

Canadian Taxpayers' Federation

Canadian Vehicle Manufacturers' Association

Canadian Western Bank

Capital One Financial Corporation

Bill Casey, M.P.

Centre for Women in Business

Citizens Bank

Co-operators Group

"Coalition québécoise pour le maintien des emplois et services bancaires personnalisés"

"Commission des valeurs mobilières du Québec"

Committee on Monetary and Economic Reform

"Confédération des caisses populaires et d'économie Desjardins du Québec"

Consumers' Association of Canada

Cordillera Books/Richmond Book Services

Council of Canadians

Credit Union Central of British Columbia

Credit Union Central of Canada

Credit Union Central of Ontario

Crozier Information Resources Consulting Ltd.

Davis Strait Fisheries Ltd.

Davis Webb Schulze & Moon

Dominion of Canada General Insurance Company

Arthur Donner

Dundee Bancorp Inc.

"École des Hautes Études Commerciales"

Edlstrom Insurance Ltd.

Ellmen / Shaw Public Affairs

Energy Consultants International Inc.

"Entraide assurance-vie, Compagnie mutuelle"

Fair Isle Ford Sales Ltd.

Farm & Garden Centre of Saskatoon Ltd.

Farm Credit Corporation

First Union Corporation

Forwell Super Variety of Waterloo Ltd.

Fox 40 International Inc.

Foxon Agencies Ltd.

Fraser Institute

Martin Freedman

GE Capital Canada

J.E.L. Gollner

Great-West Life and London Life Insurance

Guarantee Company of North America

Kelly Hague

William Henderson

HGB Associates

Hi-Alta Capital Inc.

Hongkong Bank of Canada

Manir Hossain

Hyndman & Company Ltd.

"Institut québécois de planification financière"

Insurance Brokers Association of British Columbia

Insurance Brokers Association of Canada

Insurance Brokers Association of Manitoba

Insurance Brokers Association of New Brunswick

Insurance Brokers Association of Ontario

Insurance Brokers Association of Prince Edward Island

Insurance Brokers Association of Saskatchewan

Insurance Brokers' Association of Nova Scotia

Insurance Bureau of Canada

Insurance Consumers Group

INTERAC Association

Investment Dealers Association of Canada

Islamic Financial Institutions, Canada

J. V. Laken

Kerry Financial Corporation

Laurentian Bank of Canada

Life Spin - Women's Resource Centre

London Life Policyholders' Association

Yvan Loubier, M.P.

Ian MacLeod

Manulife Financial

Maritime Association of Mutual Insurance Companies

McArthur & Company Publishing Limited

Jack McAuley

Robert McKelvy

Metropolitan Halifax Chamber of Commerce

Suzanne Meunier

Montreal Automobile Dealers Corporation

Montreal Community Loan Association

Mount Royal College

Mutual Group

National Action Committee on the Status of Women

National Anti-Poverty Organization

National Bank of Canada

National Council on Welfare

National Council of Women of Canada

National Money Mart Company

David Nopper

Norwest Financial/Trans Canada Credit

Office of the Superintendent of Financial Institutions Canada

Official Opposition of P.E.I. (Liberal Party of P.E.I.)

Kelvin Ogilvie

"Option Consommateurs"

P.E.I. Mobile Home and Trailer Sales

P.E.I. Mutual Insurance Company

Partners Inc. - Strategic Communications & Revenue Development

Peace Hills General Insurance Company

Douglas Peters, P.C.

Phonettix Intelecom

Pineridge Ford Mercury

Pixie Bigelow Productions Inc.

Portage La Prairie Mutual

Power Corporation of Canada

Primex Forest Products Ltd.

Public Interest Advocacy Centre

Quebec Association for the Protection of Savers and Investors Inc.

Claudette Racette

Ramboc Enterprises

Rankin - Stokes & Associates Inc.

Regional Group of Companies

Retail Council of Canada

Rice Financial Group Inc.

David Rosenberg

Roslyn Kunin and Associates

Royal Bank of Canada

RRSP Alliance

Self-Employment Development Initiatives

Sharwood and Company

SNC-LAVALIN Inc.

Southern Cross Sheepskins Inc.

St. Willibrord Community Credit Union

Standard Life Insurance Company

Sun Life Assurance Company of Canada

T-Base Communications Inc.

Task Force on Future of the Canadian Financial Services Sector

TelPay - A Division of CTI-Com Tel Inc.

TG International Ltd.

Dorothy Toop

Toronto-Dominion Bank

Trimark Investment Management Inc.

Trust Companies Association of Canada

John A. Turley-Ewart

"Université Sainte-Anne"

University of British Columbia

University of Ottawa

Vancouver Board of Trade

Walker Chocolate Company Ltd.

Wawanesa Mutual

Wells Fargo Bank

Mary Wilton

Women and Rural Economic Developing

World Sceptre Challenger