Aboriginal Banking Catherine Debassige, Manager Aboriginal Business Services, ON December 2011

2Aboriginal Banking BDC Aboriginal Banking Objective: To provide an overview of BDCs Aboriginal Banking business solutions and Aboriginal market activity, while creating strong alliances with Aboriginal service providers to leverage Aboriginal business opportunities in Canada.

3Aboriginal Banking Aboriginal Banking Role >Create Awareness >Provide Expertise to BDC Employees & Liaise with Aboriginal Businesses >Create, Maintain and Enhance Alliances in the Aboriginal market

4Aboriginal Banking BDC Aboriginal Banking Initiatives: In addition to our existing business solutions, we have developed the following: >Growth Capital for Aboriginal Business >Loan Loss Reserve >National Consulting Strategy >Aboriginal Business Development Fund >Peer Lending Circles

5Aboriginal Banking Aboriginal Banking Youth Initiatives: >E-Spirit National Aboriginal Youth Business Plan Competition >Aboriginal Banking Newsletter >SOAR Magazine >Internship / Summer Employment

Financing

7Aboriginal Banking GCAB: Growth Capital for Aboriginal Business >Up to $25,000 for start-up businesses >Up to $100,000 for existing businesses >Access to other BDC loans to top up financing requirement >No application or annual fees >Flexible debt to equity >Competitive interest rate >Interest rebate for the community >For on-reserve or off-reserve lending

8Aboriginal Banking GCAB Financing Example: BDC financing to complement other lenders: Benefit: Start-up business, operating on-reserve ProjectAmountFinancingAmount Purchase equipment$185,000Aboriginal Business Canada$82,000 Working Capital$ 58,000Canadian Youth Business Fund$11,000 BDC Financing: GCAB$25,000 BDC Financing: Working capital$75,000 Shareholders investment $50,000 Total$243,000Total $243,000

Loan Loss Reserve

10Aboriginal Banking Proposal Overview >Intent is to make financing available to medium and larger First Nation businesses located on reserve, under commercial terms >A majority owned (51% ownership) Status Indian or First Nation corporation or business, whose primary assets to secure loan are located on-reserve. >Loans to individual businesses can be issued from $250,000 up to $500,000. >Loans to First Nation community-owned businesses can be issued up to $5 Million.

11Aboriginal Banking Aboriginal Financing Example Loan Loss Reserve Complementary lending and use of the LLR Benefit:Reopen a mill on-reserve land previously owned by a non-Native company, where 80 people had been laid off. ProjectAmountFinancingAmount Equipment Upgrades $753,000 BDC Financing $344,000 Refinance Term Debt $ 232,000 Aboriginal Business Canada $200,000 Contingency Costs $34,200 2 CFDC Partners $300,000 Consulting Fees $16,800 First Nations investment $117,000 First Citizens Fund $75,000 Total $1,036,000 Total$1,036,000

Consulting Strategy

13Aboriginal Banking Consulting Strategy >Depth of experience in our roster of management consultants >Understand a desire exists to include knowledge transfer, built into consulting projects with Aboriginal clients, focus on implementation, support. >Examples of projects completed: >Marketing Plans, Business Plans, Feasibility >Quality Management, ISO, Operational Efficiency >Information and Communication Technology >Human Resources, Enhancing Management, Leadership

14Aboriginal Banking Sugar Cane Development Corporation Testimonial Needs >Faced with rapid growth – the wood manufacturing plant alone has undergone a major expansion over the past three years and employs up to 40 community members – Sugar Cane Developments board of directors recognized the need to become ISO certified to ensure that formalized processes were being applied throughout the corporation. Results >The new quality management system has instilled an openness and transparency across the corporation, improved time management procedures, and allowed Sugar Cane Development to better serve its clients. CLIENT TESTIMONIAL : As a result of becoming ISO certified, we are able to serve our clients more effectively and consistently. We recommend BDC to anyone who wants to improve their business. – MARG SHELLEY, Sugar Cane Development Corporation

Publications

16Aboriginal Banking Aboriginal Banking Newsletter >Client profiles to share success stories of entrepreneurs >Recommended by BDC business centres >Internal and external distribution, with 4,000 copies of each issue printed >National recognition for the client

17Aboriginal Banking SOAR Magazine >Focus on education and life experiences >Stories about Aboriginal youth role models who succeed in finding balance in their lives >Internal and External distribution with over 4,000 copies of each issue printed >E-Spirit Special Edition produced each year showcasing the event and the winners

Aboriginal Student Employment

19Aboriginal Banking Annual Employment Program for Aboriginal Youth Goal: Increase Aboriginal employment at BDC (full-time positions) >Summer employment and Internship opportunities for College and University students >Students must have completed at least one year at post-secondary institution in order to qualify >20 positions available across Canada each year, online application

20Aboriginal Banking Summary: BDC Aboriginal Banking >Consider BDC Financing and Consulting to support business start up and growth >Speciality in custom solutions, flexibility, work in partnership with other service providers, funders and lenders. >For more information on BDC business solutions, visit:

1 888 INFO BDCwww.bdc.ca Catherine Debassige Manager, Aboriginal Business Services Serving Ontario T