1. BDC: a complementary partnership

2. Market challenges Capital is becoming more scarce in the market due to: >Departure of foreign lenders and other traditional sources of financing >Collapse of the securitization market >Uncertain economic conditions placing limits on single name, sector or loan type Bottom Line Canadian businesses need more financing than remaining lenders can provide alone.

3. BDC : a complementary partnership Business Credit Availability Program (BCAP) and BDC What is BCAP* An agreement that was reached between the federal government and other Canadian financial institutions. The objective of BCAP is to build on, and enhance where possible, existing relationships to facilitate access to incremental credit for Canadian businesses, through the effective coordination of the activities of financial Crown Corporations and Canadian financial institutions. Working more closely with financial institutions BDC has been mandated to work with private financial institutions to provide additional loans and other forms of support to creditworthy businesses whose access to financing would otherwise be restricted. * Unveiled in the 2009 Federal budget

4. BDC : a complementary partnership Our complementary role Sharing for transactions to help you provide increased support to your client when: >They generate strong cash flow to support a term loan >You have reached your limit for single name, sector or loan type, or >An existing partner in the financial arrangement is exiting the market or not renewing, or >Prudent risk management suggests a partner is needed and you want to protect your client business relationship By way of syndication participation, club deals, pari-passu, direct referrals or loan guarantee.

5. BDC : a complementary partnership What BDC does not provide BDC does not provide: –Bank accounts or cash management services –Operating lines of credit –Letters of Credit/Guarantee –Residential or non-commercial loans (including multi-family) –Vehicle or equipment leasing BDC does not provide service to: –Bars, nightclubs, gambling operations, activities of a sexual nature, private clubs, financial institutions –Businesses where main economic activity is outside of Canada –Companies that are in breach of environmental regulations and do not want to comply –Companies in the oil and gas exploration, direct mining operations

6. BDC : a complementary partnership Financing partnership opportunities Commercial and industrial real estate financing (land & building) –Industrial: owner-occupied and tenant –Commercial: office buildings, stand-alone retail, shopping malls (with national or AAA equivalent tenants) Equipment and machinery purchase financing –Mainly production equipment but includes vessels and aircraft Tourism –Hotels, golf courses, ski hills, destination resorts Working capital financing –Increase inventory to support growing sales, replenish working capital depleted by capital expenditures, market expansion and product development

7. BDC : a complementary partnership Consulting services Our network of specialized management consultants can help your client face challenges in areas such as: >Operational efficiency and quality management certification >Business planning and management >Business ownership transition >HR management >Market development and exporting >Innovation, R&D tax credit application, project funding strategy

8. BDC : a complementary partnership 1-800-info-BDCwww.bdc.ca