1. Northern Credit Union Building Financial Futures Together

2. Commercial Mission Statement To provide a lifetime of financial well-being to our members

3. Commercial Relationships Commercial banking is one of relationship building. We focus on tailoring our lending to the needs of your business. We work with you to contribute to your successes!

4. What is the Difference Between a Credit Union and a Bank?

5. Credit Union vs. Bank At the Credit Union you are a member (voluntary membership) Democratic Member Control – you have the opportunity to impact decisions. (Delegate Group and Board) You are an equal owner and have a stake in the Credit Union Exists to Benefit the Members EMPOWER LOCAL RELATIONSHIP MANAGERS to make decisions.

6. BENEFITS TO COMMERCIAL BANKING WITH NORTHERN At Northern Decision Making is made in North Eastern Ontario by people who reside here. At Northern You receive One on One Relationship Management

7. BENEFITS TO COMMERCIAL BANKING WITH NORTHERN Continued At Northern Our lending policies are tailored to reflect our market and economy At Northern We have the discretion to match pricing to retain our valued members and attract new members At Northern We are able to offer the same products of our competitors.

8. WE KNOW YOUR BUSINESS All of our Commercial Relationship Managers were Born and Raised in North Eastern Ontario We understand local conditions because we share those conditions with you.

9. Member Reference “Northern Decision makers are more accessible because they are here – that gives them a clearer understanding of our business case” Mike Tulloch

10. Member Reference “They have the ability and the power to cut through typical banking red tape because they can make decisions close to home” Ryan Saari

11. WE ARE INTERESTED IN YOUR BUSINESS

12. WE ARE IN THE COMMERCIAL BUSINESS Every Business is unique! That’s why we tailor our lending to meet your business needs- We look for ways to provide you financing We never refuse business before we asses the potential opportunity

13. Types of Industry Commercial/ Residential Real Estate Accommodation/Food Service Land Development Manufacturing Retail Governments Transportation Professionals Wholesale Oil and Gas Health and Social Services Agriculture Mining Communication Technology

14. WHAT PRODUCTS DO WE OFFER

15. TYPES OF LENDING PRODUCTS Term Loans – Fixed or Variable Rate Conventional Mortgages Collateral Mortgages Lines of Credit Letters of Guarantee/Credit Canadian Small Business Loan Financing CMHC Secured Mortgages – Multi Unit Residential Properties

16. NORTHERN STREAMLINED BUSINESS LOAN or LINE OF CREDIT (NSBL) PRODUCT This product is offered at the branch level and are specifically for small business members wishing to borrow up to $25,000

17. NSBL Features FEATURES: Specifically for smaller businesses who may need some extra money to purchase equipment, inventory or operating expenses Fast hassle-free application process Blended monthly payment for term loans-Interest only for operating loans.

18. NSBL Features FEATURES CONTINUED Simple Security Package: General Security Agreement and Personal Guarantee (If Required) Open for prepayment at any time without penalty Life insurance mandatory; disability insurance optional ALL MEMBER BUSINESSES ELIGIBLE

19. NSBL Benefits No annual reviews required Term Loan with Fixed monthly payment or Line of Credit Financing options available Life insured On site authority for quick turnaround

20. CORE SERVICES & PRODUCTS The Business 1 Account Package Online Banking Current Accounts and Operating Lines Dedicated Relationship Managers Business Loan Insurance Card Services (Point of Sale & MasterCard) ATM Access Payroll Services Wealth Management Consultants

21. HOW TO PREPARE FOR OUR FIRST MEETING

22. WHAT DO YOU NEED? Have a Business Plan Projections of Income or Financial Statements (minimum 2 years for companies currently operating) Personal Net Worth Statement (assets and liabilities) Any other supporting documents that would help us to help you with your financing needs

23. NOT SURE WHAT YOU NEED? As every business is unique – our requirements are different for each business. Make an appointment – We would be happy to review your needs with you and provide you with guidance.

24. We look forward to getting to know you and learning more about your company

25. QUESTIONS ?????????????