BDC: A unique client service experience

1. BDC:A unique client service experience

2. Accelerate entrepreneurs’success Our mission Help create and develop Canadian businesses through financing, venture capital and consulting services, with a focus on small and medium-sized enterprises (SMEs)

3. An unwavering commitment to the success of Canadian entrepreneurs

4. We share the entrepreneurial spirit that drives Canadian businesses 1,990 dedicated and experienced employees help 28,000 clients reach their full potential 103 Business Centres provide our clients with solutions that meet local economic realities Over $17 billion of assets under management* * 2012 Annual Report

5. Our mandate Be a complementary lender in the market to other traditional financing institutions Fill the market gaps and maximize financing alternatives Operate on a commercial basis, i.e. be financially sustainable BDC does not provide: Bank accounts, lines of credit, term deposits, investment certificates, RRSPs or insurance Interest-free grants or loans Residential or non-commercial loans, vehicle or equipment leasing

6. For auniqueclient service experience Why choose BDC?

7. Our approach goes beyond money We look at your business as a whole, including management expertise, potential for growth and the viability of your project We want to optimize yourfinancial resources by offering repayment terms tailored to your business cycle and needs You can get professional advice from our consulting services Because a loan is so much more than the interest rate, BDC’s lending terms are designed to give your company added financial control, flexibilityand operating efficiency making BDC a lender beyond the rate.

8. We are there, come rain or shine Our loans are non-demand, BDC is there over the long term This will give you the peace of mind you need to thrive

9. BDC clients do better These are some of the key findings of an analysis conducted by Statistics Canada and published by BDC in a report titled Measuring BDC’s impact on its clients, in May 2013. Among the findings: BDC Financing clients had up to 14% higher sales growth than non-clients between 2001 and 2010. BDC clients using both financing and consulting services performed even better than non-clients, with up to 25% higher sales growth and 13% higher productivity growth in those years. BDC clients achieve higher sales growth, have higher employment growth, productivity growth and survive longer than non-BDC clients Report available at bdc.ca/smeresearch

10. Financing:unparalleled flexibility

11. Optimize your financial resources Repayment terms are tailored to your business cycle and needs Longer amortization periods Seasonal or progressive repayment schedules to protect your cash flow Initial principal payments at loan authorization may be deferred to get your project going 15% annual prepayment feature without penalty at loan anniversary

12. Our areas of expertise Financing solutions Working capital financing Equipment financing Information and communications technology financing (ICT) Real estate financing (land and building) Business transition financing BDC does not provide service to: Bars, nightclubs, gambling operations, activities of a sexual nature, private clubs Companies that are in breach of environmental regulations and do not want to comply Non-Canadian businesses

13. Workingcapital financing

14. Support growth projects and innovation Working capital financing Increase inventory to support growing sales and receivables Additional working capital to support growth Expand domestic markets or explore new and larger foreign markets (Market Xpansion Loan™) Develop products and R&D Financing criteria An existing line of credit An experienced management team Repayment capacity based on cash flow

15. Working capital financing Financing example BDC financing to complement client’s line of credit Benefits: Long-term loan, security is subordinated to the chartered bank Support current operations and reduce pressure on accounts receivable

16. Equipment Line

17. The financing you need,when you need it The Equipment Line covers new or used equipment purchases, including Production line machinery and equipment Specialized technology Commercial vehicles and much more Makeequipment purchases over a 12-month period, with guaranteed terms and conditions High percentage of financing for equipment costs and the possibility of additional financing for related expenses, such as shipping, installation and training Interest-only payments for the first 12 months after loan authorization, followed by a repayment period of 5 years Disbursement of funds according to your purchasing needs, as long as you remain within your pre-approved limit

18. EquipmentLine Financing example Secure an Equipment Line to invest in equipment to boost productivity and stay competitive. Benefits: Possibility to make several purchases over a 12-month period with guaranteed terms and conditions Benefit from available discounts and negotiate with vendors with a clear budget and from a position of strength

19. Commercialreal estatefinancing

20. Expand and modernize Commercial real estate financing Purchase of land and building Construction of new premises Expansion or improvement of existing premises Replenish working capital depleted by current construction costs High percentage of financing Guaranteed long-term financing up to 25 years Progressive or seasonal repayment schedules tailored to your business cash flow Possibility of deferring principal payments up to 36 months Personal assets are not taken as collateral

21. Commercial real estate financing Financing example Term loan to finance purchase and renovation in addition to a working capital loan to relocate activities in a more active commercial area Benefits: One owned facility instead of 2 leased properties. Better control over employees productivity.

22. Information and communications technology (ICT)Financing and Consulting

23. ICT financing Get vital capital to invest in: • Hardware (servers, network, telephony, computers and accessories) • Software (ERP, CRM, human resources, supply chain, finance and accounting) • Consulting services (IT planning, strategy, security, online sales, Internet marketing, social media) Benefits: • Term financing with beneficial terms and conditions to get your project off the ground • A sound financing alternative to preserve your short-term working capital Visit www.bdc.ca/ictfinancing

24. ICT financing Both BDC client and non-client companies, including small businesses such as home offices, may apply for an ICT loan Beneficial terms and conditions • BDC floating base rate + 1% * • 4-year repayment period * Limited time offer. Interest rate is subject to change without notice. • BDC client • Contact their BDC Account Manager or call 1 877-BDC-BANX (232-2269) • Not a BDC client • Get up to $50,000* • Apply online at bdc.ca/ictfinancing • *For financing needs that exceed $50,000 call 1 877-BDC-BANX (232-2269) or the nearest BDC business centre. • Certain eligibility criteria apply.

25. ICTfinancing Financing example ICT loan to improve store security, employee efficiency and in-store client experience. BDC financing allowed the company to upgrade security systems, install touch-screen computers, and acquire and install software upgrades. Benefits: High percentage of financing helped preserve company’s working capital Upgrades allowed the client to have better customer interaction and provide opportunities for up-selling

26. ICT consulting services Our consulting professionals can help you: • Evaluate your current ICT environment • Conduct a diagnostic of your website • Develop an Internet strategy • Select the right software solution (ERP, CRM, Supply chain management) Development and coaching for business owners and managers ICT Essentials is a learning program that gives a thorough understanding of ICT opportunities and potential. The program combines online learning and facilitated workshops with personalized coaching to provide strategic and tactical advice.

27. Free online assessmentswww.bdc.ca/smarttech ICT Assessment Answer 41 multiple-choice questions and get your report back instantly, and confidentially in a printable format Rates your use of different ICT to: Increase sales Improve productivity Optimize infrastructure Get recommendations for improvement Web Assessment Just type in your web address and get your report back instantly, and confidentially in a printable format Rates the following key areas: Marketing – How well marketed and popular the website is Experience – How satisfying the website is likely to be for users Accessibility – How accessible the website is to mobile and disabled users Technology – How well designed and built the website is

28. Smart Tech:ICT solutions and tools Visit bdc.ca/smarttech

29. Businesstransition:Financing and Consulting Transfer or sell your business to family members, employees or outside buyers

30. Business transition financing Financing example Financing needed for the acquisition of 100% of shares by the General Manager of the Company (Car Dealership) Benefits Allowed current owner to ensure the continuity of the company and retire as planned

31. Ensure the continuity of your business Consulting services Maximize the value of your business and reconcile the interests of all stakeholders in order to ensure business continuity • Exit strategy • Value creation • Succession planning

32. ConsultingKnowledge, experience and results

33. Thank you.