1. 1 Before your AGM Begins! Meeting Preparation for the Board members  Be Prepared: Meet in advance as a group to assess the Agenda and formulate answers to possible questions (the Treasurer and the Auditor should pay particular attention to this point).  Be familiar with the Standing Orders (see notes below)

2. 2 Before your AGM Begins!: Set the scene (the right location)  Pick an appropriate venue: A successful AGM separates the social and business aspect of meetings (see notes below).  Appropriate seating: All seating should be arranged to allow a clear view of the top table and the board members (nobody to hide behind pillars!).  Board of Directors and Supervisory Committee at the top table: Any person who will address the meeting should be seated at the top of the room.

3. 3 Welcome to the XXXXXXXXXX XXXX Credit Union AGM Type date and Location here

4. 4 Type over this text to add names here

5. 5 AGM Agenda 1. Ascertainment that a quorum is present; 2. Adoption of standing orders; 3. Reading and approval of the minutes of the last annual general meeting and of any intervening special general meeting; 4. Report of directors; 5. Report of the treasurer and consideration of accounts; 6. Report of the auditor; 7. Declaration of dividend and rebate of interest (if any); 8. Report of the credit committee; 9. Report of the supervisory committee; 10. Report of credit control committee; 11. Report of membership committee or membership officer; 12. Report of planning and development committee; 13. Report of education committee; 14. Report of any sub-committee; 15. Report of the nominating committee; 16. Appointment of tellers; 17. Election of auditor; 18. Election of directors; 19. Election of supervisors; 20. Any other business; 21. Announcement of election results; 22. Adjournment or close of meeting.

6. 6 CREDIT UNION INVOCATION Lord, make me an instrument of Thy peace Where there is hatred, let me sow love; where there is injury, pardon; where there is doubt, faith; where there is despair, hope; where there is darkness, light; and where there is sadness, joy. O Divine Master, grant that I may not so much seek to be consoled as to console; to be understood as to understand; to be loved as to love; for it is in giving that we receive, it is in pardoning that we are pardoned, and it is in dying that we are born to eternal life.

7. 7 First 2 Items on the Agenda 1. Ascertainment that a quorum is present. 2. Adoption of Standing Orders.

8. 8 3. The Minutes of the Last AGM read by (add name here), Secretary  The Secretary must read the minutes in full at the AGM.  Note: Any highlights or points placed here are not a replacement for the reading of the minutes.

9. 9 4. Report of the Board of Directors  You may choose to place highlights or headings here.

10. 10 5. Treasurer’s Report presented by (name)  Report of the treasurer, consideration of accounts and approval of treasurer’s honorarium

11. 11 6. Auditor’s Report  Prepared by XXX XXXXXX, senior partner, Snatchit, Grabitt & Runn & Co.

12. 12 INCOME200X200Y Interest on Members Loans Other Interest Receivable & SimilarSchedule 1 Net Interest Income Other IncomeSchedule 2 Total Income EXPENDITURE Salaries Other Management ExpensesSchedule 3 Depreciation Provision for Bad & Doubtful Debts Bad Debts Recovered Provision for Taxation Total Expenditure 6. Auditor’s Report: Income & Expenditure Account 30 September 200X page 1

13. 13 200X200Y Total Expenditure ADD Undistributed surplus 01 October 200Y Dividend Over-provided for last year LESS Transfer to General Reserve Proposed Dividend Proposed Loan Interest Rebate Undistributed Surplus 30 September 200X 6. Auditor’s Report: Income & Expenditure Account 30 September 200X page 2

14. 14 ASSETS200X200Y Cash and Balances at Bank Deposits and Investments Loans to Members Less: Provision for Bad & Doubtful Debts Tangible Fixed Assets Prepayments and Accrued Income Total Assets LIABILITIES Bank Overdraft Proposed Dividend Proposed Loan Interest Rebate Other Liabilities, Creditors, Accruals & Charges MEMBER RESOURCES Member Shares General Reserve Other Reserves TOTAL LIABILITIES 6. Auditor’s Report: Balance Sheet 30 September 200X page 1

15. 15 ASSETS200X200Y Cash and Balances at Bank Deposits and Investments Loans to Members Less: Provision for Bad & Doubtful Debts Tangible Fixed Assets Prepayments and Accrued Income Total Assets LIABILITIES Bank Overdraft Proposed Dividend Proposed Loan Interest Rebate Other Liabilities, Creditors, Accruals & Charges MEMBER RESOURCES Member Shares General Reserve Other Reserves TOTAL LIABILITIES 6. Auditor’s Report: Balance Sheet 30 September 200X page 2

16. 16 200X200Y Opening Cash & Investments RECEIPTS Member Shares Members Loans Repaid Members Loan Received Investment Interest Earned Bad Debts Recovered Other Receipts (Increase)/Decrease in Prepayments TOTAL 6. Auditor’s Report: Cash Flow Statement page 1

17. 17 200X200Y DISBURSEMENTS Members Shares Withdrawn Members Loans Granted Dividends Paid Loan Interest Rebate Paid Operating Expenses Fixed Assets Purchased Other Disbursements (Increase)/Decrease in Other Liabilities Accruals and Charges TOTAL Closing Cash and Investments 6. Auditor’s Report: Cash Flow Statement page 2

18. 18 200X200Y Institutions/Banks TOTAL 6. Auditor’s Report: Deposits and Investments

19. 19 6. Auditor’s Report Highlights  Bullet points go here

20. 20 7. Declaration of Dividend & Rebate of Interest  The Dividend for this year is X.XX%  The Rebate of Interest for this year is X.XX%

21. 21 8. Report of the Credit Committee  Highlights Names of the members of the Credit Committee go here

22. 22 9. Report of the Supervisory Committee  Highlights/summary here Names of the members of the Supervisory Committee go here

23. 23 10. Report of the Credit Control Committee  Highlights Names of the members of the Credit Control Committee go here

24. 24 11. Report of the Membership Committee  Highlights Names of the members of the Membership Committee go here

25. 25 12. Report of the Planning & Development Committee  Highlights Names of the members of the P & D Committee go here

26. 26 13. Report of the Education Committee  Highlights Names of the members of the Education Committee go here

27. 27 14. Report of the XXX Sub-Committee  Highlights Names of the members of the XXX Sub-Committee go here

28. 28 15. Report of the Nominating Committee  Highlights Names of the members of the Nominating Committee go here

29. 29 Optional extra slide Amendments to Standard Rules arising from BDM

30. 30 Elections 16. Appointment of Tellers 17. Election of Auditor (List the name(s) of the candidate(s) here) 18. Election to fill vacancies on the Board (List the names of the candidates here) 19. Election to fill vacancies on the Supervisory Committee (List the names of the candidates here)

31. 31 20. Any Other Business  List items here

32. 32 21. Announcement of Election Results  The Auditor  Election to fill vacancies on the Supervisory Committee  Election to fill vacancies on the Board of Directors

33. 33 22. Adjournment or close of the meeting Thank you for your participation and support. We look forward to another successful year of service in our community. Good Evening