2. Page 2 BDC Profile  BDC is a Crown corporation with a mission to help Canadian entrepreneurs start and grow their companies  For over 60 years, BDC has provided flexible financing and consulting solutions tailored to the needs of entrepreneurs and designed to help their businesses prosper

3. Page 3 Our mandate  To support Canadian entrepreneurs by providing financial and consulting services  To be a complementary lender in the market  To operate on a commercial basis, i.e. to be financially sustainable

4. Page 4 BDC does not provide  Interest-free grants or loans  Residential or non-commercial loans  Bank accounts, lines of credit, term deposits or investment certificates  Lease financing  Loans to firms that fail to comply with environmental regulations  Loans to bars, nightclubs, gambling operations, activities of a sexual nature, private clubs

5. Page 5 BDC Financing  Solutions customized to our clients’ needs –BDC provides long term and flexible financing solutions at every stage of growth  Our areas of expertise –Land and building financing –Equipment financing –Working capital financing –Business ownership transition

6. Page 6 BDC Financing  To propose the best financing option, we look at businesses from a broader perspective –The viability of the project not just the guarantees to secure the loan –The management team’s experience –The company’s strategies and goals

7. Page 7 Market Expansion Loan  An enabler for clients to expand their Markets – local, regional or international  The market expansion loan is dedicated to market development strategies, prospecting and exporting.

8. Page 8 Market Expansion Loan Eligible Projects Intangible assets: preparing and developing a marketing plan, developing export markets, developing e-commerce, participating in trade shows and any other expenses Working Capital : Additional inventory for new market and other related expenses

9. Page 9 Market Expansion Loan Expansion loans Designed for foreign direct investment made by Canadian SME’s To develop and grow your global strategy Long term financing on foreign assets to implement a production facility or to acquire a foreign business

10. Page 10 Land and building financing Purchasing realty or expanding facilities Up to 100% long-term financing  Purchase or construction of a commercial building  Expansion or improvement of current facilities

11. Page 11 Equipment financing Buying equipment Up to 125% financing  Advantages for entrepreneurs –Increased productivity and capacity –Better competitive edge –100% of the cost of new or used equipment –Additional 25% for related expenses such as installation, set up and training –Guaranteed financing for a period up to 8 years

12. Page 12 Working Capital financing  Additional working capital for growth and innovation for projects such as: –Increasing inventory –Exporting activities –Marketing and R&D initiatives  BDC’s long-term working capital financing is the perfect complement to the short-term financing provided by a line of credit

13. Page 13 BDC Consulting BDC providing money and more  One of the very few financial institutions that offers financial and consulting services to entrepreneurs, all under one roof  Through a network of specialized consultants, BDC Consulting helps businesses grow and successfully meet their challenges

14. Page 14 To find out more about BDC solutions, contact: Karen Patey Karen.patey@bdc.ca BDC Toronto Phone : 416-952-6949 www.bdc.ca Thank you!