3. A Credit Union Company A Credit Union Company

4. Concentra Financial is … o A new company and a new type of financial institution o A Credit Union Company o Staffed by over 400 experts o Here so credit unions: o Save money; make money o Retain and grow market share o Committed to providing solutions

5. Concentra Trust is … o A new trust company o A wholly-owned subsidiary o A provider of specialized trustee services to Concentra, credit unions and other businesses

6. Fast Facts… o Client Focus – credit unions, other co-operatives and strategic partners, corporations and businesses o Market Focus – Canada o Assets Under Administration – $15 Billion o Corporate Assets - $2.7 Billion o Service Locations – all across Canada

7. A Successful Foundation…

8. o Members are credit unions, centrals, and national co-operative service organizations o Board members represent geographic regions throughout Canada o Like credit unions, our members are our customers… and they direct our future A True Co-operative…

9. Our Vision

10. empowering credit unions through… Product Solutions

11. Concentra Financial Financial Intermediation Trust Services Mortgage & Deposit Operations Corporate Finance & Consulting Commercial Banking Commercial Leasing Personal Trust Corporate Trust

12. empowering credit unions through… Relationship Solutions

13. Relationship Management & Sales o Single contact point for business solution access o Represents Concentra and other partner organizations o Offices located nationwide

14. empowering credit unions by… Delivering Value

15. Delivering value… o By sharing expertise and knowledge o By partnering with others to deliver services o By sharing the capacities of administrative and back-office systems

16. The Future is Here… Today

17. o Member relationships remain with credit unions o Enhanced margins and fee income o Access to aggregate system capacity and resources o Growth through expanded geographic markets For credit unions, the future is here…Today

18. o Expanded service offerings o Balanced risk and cost to deliver o Access to shared resources, knowledge and markets o Time to focus on members instead of product development or administration

20. A Credit Union Company 1-800-788-6311 www.concentrafinancial.ca