BDC Good day everyone, My name is Mark Tanner and I am an Account Manager at the Business Development Bank of Canada, known as BDC. I am delighted to give you a brief overview of BDC. Hopefully, after I’m finished, you will have an even better understanding of BDC’s services and offering.

We are the bank of entrepreneurs 1 We’re the only bank devoted exclusively to entrepreneurs We know their markets and understand their needs We’re there at every stage of their business journey 2 3 We are the bank of entrepreneurs. In fact, BDC is the only Canadian bank devoted exclusively to entrepreneurs. We promote Canadian entrepreneurship with a focus on small and medium-sized businesses.

We help entrepreneurs succeed Flexible financing Get a business loan that works for you. Advisory services Run a better and more profitable business. Smart capital Access specialized financing and investment solutions. We support entrepreneurs in all industries and all across Canada with financing, capital and advisory services. And we do this by complementing the role played by private-sector financial institutions. BDC is profitable and pays dividends to its sole shareholder, the Government of Canada.

We are where entrepreneurs need us to be 42,000+ entrepreneurs We are where entrepreneurs need us to be 110+ BDC business centres 2,100 BDC employees This slide will give you an idea of BDC’s reach—we have more than 2,100 employees and more than 110 business centres across the country. As Canada’s development bank, we need to be where entrepreneurs are and provide them with the financing and consulting services they need, when they need it. Thanks to our national presence, we are able to reach entrepreneurs in each region of Canada. As mentioned, we support directly and indirectly more than 42,000 entrepreneurs across Canada. BDC Business Centres BDC Clients

BDC offers to entrepreneurs Capital Advisory services Financing Here you have an overview of how our business is structured In a nutshell, BDC offers Canadian entrepreneurs: Financing Capital And advisory services BDC offers term loans, which represents over 90% of our portfolio. BDC also supports another 7,000 entrepreneurs through indirect financing – a specialized form of financing for finance and leasing companies. Through our investments arm—BDC Capital, we also offer a full spectrum of specialized risk capital, including venture capital, as well as growth and business transition capital. We also offer a full range of non-financial services to entrepreneurs. All these are regrouped under our BDC Advisory Services business unit.

4 1 5 2 6 3 7 What we don’t do Term deposits Guaranteed investment certificate Lines of credit 2 6 Grants Non-commercial loans or residential loans 3 7 Interest-free loans Bank accounts and credit cards Here’s a list of what BDC does not provide. As you can see, we don’t provide term deposits, grants, interest-free loans, bank accounts, non-commercial loans or residential loans. Every dollar in our portfolio is used to support Canadian entrepreneurs.

Capital Specialized financing and investment solutions. As mentioned earlier, BDC Capital—a subsidiary of BDC—offers a full spectrum of specialized financing, including venture capital, and growth and business transition capital.

Growth & Transition Capital Customized financing to support growth and transition projects What we do Full range of financing options such as mezzanine, cash flow and quasi-equity financing Financing from $250,000 to $35M Who we do it for For established or high-growth companies that have insufficient tangible assets to pledge for security and that want to limit dilution of ownership Projects we can provide financing for BDC’s Growth & Transition Capital group offers a full range of financing options such as mezzanine, cash flow and quasi-equity financing solutions on flexible terms to both mid-market and high-revenue Canadian companies – loan generally amounts of $250,000 to $35 million. These solutions allow businesses to raise capital when they have insufficient tangible assets to pledge for security and don’t want to dilute ownership. The key benefits of the financing solutions they offer are: Security is subordinated to secured lenders Limits dilution of ownership and offers an affordable alternative to equity financing Personal assets are not taken as collateral PAUSE Working capital Transferring a business Buying a business

Advisory services Run a better and more profitable business. As mentioned earlier, a full range of non-financial services to entrepreneurs are regrouped under BDC Advisory Services. PAUSE

Consulting Expert advice to run a better, more profitable business What we do Our national network of experienced consultants provide objective, practical advice on an enterprise-wide range of subjects Who we do it for Entrepreneurs in all industries dealing with the inevitable challenges that arise when they are growing their business Manage your business Increase revenues Improve productivity We do this in several ways: First, we offer solutions that help small and medium-sized businesses grow, become more productive and improve their management capabilities—all delivered through proven tools and methodologies by an experienced team while meeting the unique needs of each client.

Financing Get a business loan that works for you. As mentioned, BDC offers: Term loans Capital and Advisory services Of these, term loans make up the bulk of our business

Financing Get the business loan you need for that important project Working capital Technology Market expansion Commercial real estate Equipment Starting your business Buying a new business In terms of financing, companies can look to BDC for a variety of solutions. We lend money to entrepreneurs to: Expand and grow their business Finance equipment, technology investments or commercial real estate purchases Buy or sell a business Or for working capital For larger, more complex loans, BDC’s Corporate Financing experts offer customized solutions for your growing business. For small projects, we also offer small business loans, where entrepreneurs can get up to $50,000 by applying online on our website (bdc.ca). Our financing complements that available from private-sector financial institutions and is tailored to the needs of individual companies Growing your business Transferring your business

Invest in Technology

Invest in Technology

Invest in Technology

Invest in Equipment

Invest in Equipment

Invest in Equipment

Invest in Equipment

Client Journey

Mark Tanner Account Manager Halifax (902) 426-5562 Mark.Tanner@BDC.ca Thank you. Mark Tanner Account Manager Halifax (902) 426-5562 Mark.Tanner@BDC.ca To find out more about how BDC’s financing, investments and advisory services can take your company to the next level, go to bdc.ca or give us a call.   Thank you for your attention!