2020 Credit Union Market Share CHANGE IN SHARE

2020 Credit Union Market Share CHANGE IN SHARE ANALYSIS FEBRUARY 2020 Mc. Vay and Associates Limited 53 Parkinson Road Markham, Ontario L 3 P 4 G 6 (416) 575 -5580 david. mcvay@mcvayandassociates. com Personal Market Report Top 25 Credit Unions 1

Contents Market Size and Growth Trends 3 Distribution Effectiveness 7 Product Market Share of Market Changes § Total Personal 8 § Total Deposits 9 § Total Loans 10 § HRSA and Mortgage Rates 11 Provincial Markets Quebec § Desjardins BC Credit Unions 12 13 17 § Share Summaries 18 § Vancity 24 § Coast Capital 27 § First West 31 § Blue. Shore 34 § Prospera 37 § Westminster 40 § Interior 43 § Coastal Community 45 Personal Market Report Top 25 Credit Unions Alberta Credit Unions § Share Summaries § ATB Financial § Servus § Connect First Saskatchewan Credit Unions § Share Summaries § Conexus § Affinity § Innovation § Synergy Manitoba Credit Unions § Share Summaries § Steinbach § Assiniboine § Cambrian § Access § Crosstown Civic Ontario Credit Unions § Share Summaries § Meridian § Alterna Bank § First Ontario § Libro § DUCA National § Concentra Bank § UNI Financial Corporation 48 49 55 57 61 64 65 71 74 77 80 82 83 89 92 95 98 101 104 105 111 114 116 118 121 124 127 128 129 2

Updated Monthly Market Size and Growth Trends Note: Credit Union deposits include both personal and commercial demand term deposits Most Credit Unions classify home equity lines of credit as mortgages whereas most banks classify them as personal loans. Personal Market Report Top 25 Credit Unions Banks and Trusts 2 L 1 3

Updated Quarterly Market Balances by Province - Total Deposits and Loans Total Personal Deposits and Loans British Columbia Alberta Saskatchewan Manitoba Ontario Quebec Atlantic Total Bank and Credit Union Market by Province - Total Personal Total Market Balances Change CU Balances Change Credit Union Q 4'19 12 Month % 60 Month % Q 4'19 % Balances Growth Share $MM 579, 083 4. 2% 35. 2% 3. 4% 36. 8% 21. 8% 350, 478 1. 8% 12. 5% 1. 4% 12. 5% 11. 2% 95, 097 1. 4% 21. 9% 3. 1% 25. 3% 37. 3% 103, 623 5. 1% 26. 8% 6. 6% 33. 9% 50. 3% 1, 509, 659 6. 7% 35. 9% 9. 1% 63. 4% 6. 6% 612, 959 6. 4% 26. 8% 28. 8% 41. 1% 136, 329 3. 1% 21. 7% 6. 0% 30. 1% 11. 8% 3, 387, 228 5. 3% 30. 0% 5. 9% 34. 0% 18. 3% Personal Market Report Top 25 Credit Unions 19 A 14 4

Updated Quarterly Market Balances by Province - Deposits and Loans Total Personal Deposits British Columbia Alberta Saskatchewan Manitoba Ontario Quebec Atlantic Total Personal Loans British Columbia Alberta Saskatchewan Manitoba Ontario Quebec Atlantic Total Personal Market Report Top 25 Credit Unions Total Bank and Credit Unions Q 4'19 Balances $MM 234, 611 126, 032 43, 530 50, 924 658, 749 277, 650 52, 975 1, 444, 471 Total Bank and Credit Unions Q 4'19 Balances $MM 344, 472 224, 445 51, 568 52, 699 850, 910 335, 309 83, 354 1, 942, 757 Market Balances Change 12 Month % 60 Month % Growth 4. 1% 2. 5% 1. 9% 7. 3% 7. 0% 8. 5% 5. 3% 6. 2% 39. 2% 17. 2% 29. 2% 31. 2% 34. 4% 33. 5% 34. 7% 33. 0% Market Balances Change 12 Month % 60 Month % Growth 4. 3% 1. 5% 1. 0% 3. 0% 6. 4% 4. 8% 1. 7% 4. 7% 32. 5% 10. 0% 16. 4% 22. 9% 37. 0% 21. 8% 14. 7% 27. 8% CU Balances Change 12 Month % Growth 3. 5% 1. 0% 3. 3% 8. 4% 8. 9% 7. 1% 6. 7% 6. 1% 60 Month % Growth 36. 7% 7. 6% 24. 5% 35. 1% 60. 4% 28. 5% 30. 2% 33. 2% CU Balances Change 12 Month % Growth 3. 4% 2. 0% 2. 8% 3. 9% 9. 4% 6. 5% 4. 7% 5. 6% 60 Month % Growth 36. 9% 19. 7% 26. 5% 32. 1% 67. 6% 29. 1% 30. 0% 35. 1% Credit Union Q 4'19 % Share 31. 9% 17. 8% 48. 9% 62. 1% 8. 6% 49. 8% 18. 6% 24. 6% Credit Union Q 4'19 % Share 15. 0% 7. 5% 27. 6% 38. 8% 5. 1% 33. 9% 7. 5% 13. 7% 19 A 14 5

Updated Quarterly Credit Union and CP Member Growth by Province Source: Canadian Credit Union Association Quarterly Financial Statistics Personal Market Report Top 25 Credit Unions 19 A 39 6

Updated Semi Annually Top 25 Credit Unions – Distribution Effectiveness Credit Union Assets $MM Q 2 12 Month 60 Month Q 2 2019 % Change Members Assets per Q 2 2019 # Member Locations Assets per 12 Month 60 Month Members Location Growth in per location $MM Members Vancity 22, 908. 4 2. 9% 27. 4% 508, 933 45, 013 59 388. 3 8, 626 3. 0% 4. 4% Coast Capital Savings Credit Union 19, 788. 5 2. 6% 57. 9% 577, 426 34, 270 52 380. 5 11, 104 4. 1% 12. 8% Meridian Credit Union 18, 970. 7 13. 4% 98. 6% 365, 781 51, 864 91 208. 5 4, 020 13. 5% 39. 0% Servus Credit Union (1) 16, 386. 7 3. 0% 21. 3% 384, 376 42, 632 102 160. 7 3, 768 5. 9% 0. 5% First West Credit Union 10, 661. 6 5. 2% 65. 5% 226, 339 47, 105 53 201. 2 4, 271 0. 5% 39. 3% Conexus Credit Union 6, 395. 1 4. 9% 29. 0% 126, 214 50, 668 39 164. 0 3, 236 0. 5% 9. 1% Steinbach Credit Union 6, 298. 2 13. 0% 47. 9% 92, 804 67, 865 3 2, 099. 4 30, 935 5. 0% 15. 0% Affinity Credit Union 5, 898. 2 8. 9% 42. 3% 120, 979 48, 754 56 105. 3 2, 160 4. 2% -7. 9% Alterna Savings 5, 893. 3 15. 6% 139. 2% 142, 440 41, 374 35 168. 4 4, 070 8. 3% 40. 3% Connect First Credit Union 5, 666. 7 23. 9% 97. 4% 130, 359 43, 470 41 138. 2 3, 179 26. 6% 54. 9% Assiniboine Credit Union 4, 835. 5 5. 9% 31. 7% 126, 270 38, 295 18 268. 6 7, 015 1. 0% 14. 3% Blue Shore Credit Union 4, 607. 6 6. 4% 80. 6% 33, 991 135, 554 13 354. 4 2, 615 -24. 4% -13. 2% Uni Financial 4, 451. 2 6. 0% #DIV/0! 145, 352 30, 623 52 85. 6 2, 795 -1. 2% #DIV/0! First. Ontario Credit Union 4, 420. 7 10. 1% 79. 4% 125, 175 35, 316 32 138. 1 3, 912 8. 4% 25. 9% DUCA Financial Services 4, 036. 6 31. 6% 157. 2% 58, 110 69, 465 16 252. 3 3, 632 25. 4% 40. 2% Libro Credit Union 9. 1% 48. 2% 106, 089 37, 782 31 129. 3 3, 422 2. 0% 76. 0% Cambrian Credit Union 4, 008. 2 3, 870. 7 5. 8% 28. 0% 64, 699 59, 826 11 351. 9 5, 882 2. 3% 6. 8% Prospera Credit Union 3, 788. 1 2. 2% 45. 1% 57, 692 65, 661 16 236. 8 3, 606 0. 4% 1. 8% Westminster Savings Credit Union 3, 524. 3 7. 9% 41. 7% 56, 549 62, 322 15 235. 0 3, 770 -1. 7% 2. 4% Innovation Credit Union 2, 829. 8 11. 1% 49. 0% 55, 235 51, 232 25 113. 2 2, 209 7. 0% 14. 2% Access Credit Union 2, 756. 9 8. 9% 51. 1% 52, 514 52, 499 17 162. 2 3, 089 2. 2% 22. 1% Coastal Community Credit Union 2, 705. 1 5. 3% 47. 1% 86, 906 31, 127 24 112. 7 3, 621 1. 9% 10. 0% Windsor Family Credit Union 2, 600. 3 11. 6% 128. 6% 45, 156 57, 584 9 288. 9 5, 017 16. 0% 37. 9% Crosstown Civic Credit Union 2, 535. 8 8. 4% 36. 1% 30, 956 81, 917 9 281. 8 3, 440 -0. 2% 2. 7% Interior Savings Credit Union 2, 531. 5 -1. 3% 21. 5% 69, 097 36, 637 21 120. 5 3, 290 -2. 9% -3. 8% 172, 369. 7 7. 4% 56. 1% 3, 789, 442 45, 487 205. 2 4, 511 4. 9% 20. 3% Top 25 840 Source: Canadian Credit Union Association top 100 Report Personal Market Report Top 25 Credit Unions 20 B 11 7

Updated Annually Total Personal Provincial Share Summary Ranked by 12 month change in Provincial Share Total Personal Products Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change Steinbach 9. 31 12. 8% 20. 6% Meridian 1. 81 10. 6% 40. 0% Crosstown Civic 3. 79 9. 4% 7. 8% DUCA 0. 30 8. 2% 22. 1% Libro Credit Union 0. 36 4. 4% 12. 0% Blue Shore 1. 17 3. 8% 27. 4% Affinity 8. 45 3. 8% 0. 0% Access 3. 63 3. 7% 15. 1% Cambrian 5. 61 3. 4% -1. 0% Conexus 8. 19 3. 3% 0. 2% First West 2. 67 3. 0% 4. 2% Desjardins 43. 22 2. 7% 1. 2% Alterna 0. 48 1. 3% 56. 6% UNI Financial Corporation 11. 75 0. 6% 3. 7% Alberta Treasury 16. 71 0. 6% 9. 9% Synergy 2. 08 0. 4% -9. 9% Servus 6. 42 0. 3% -3. 5% Coast Capital 3. 70 0. 2% 4. 2% Assiniboine 6. 42 -0. 9% -6. 1% Connect First 2. 22 -1. 2% 61. 5% First Ontario 0. 45 -12. 4% 25. 2% Personal Market Report Top 25 Credit Unions Notes: • Sorted in order of 12 month change in Provincial share. • Vancity, Prospera, Interior, Innovation and Coastal Community have yet to report 2019 results. 8

Updated Annually Total Deposits Provincial Share Summary Ranked by 12 month change in Provincial share. Total Deposits Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change Crosstown Civic 5. 28 16. 8% 14. 3% Steinbach 12. 36 14. 4% 16. 7% DUCA 0. 45 13. 4% 35. 5% Meridian 1. 79 6. 8% 29. 4% First Ontario 0. 55 6. 2% 47. 2% Libro Credit Union 0. 57 5. 4% 15. 2% First West 4. 08 4. 6% -2. 2% Cambrian 7. 13 4. 4% -3. 0% Access 5. 03 4. 3% 11. 2% Blue Shore 1. 78 3. 8% 21. 9% Desjardins 40. 22 3. 1% -5. 5% Alterna 0. 70 3. 1% 72. 4% Alberta Treasury 27. 85 2. 9% 9. 6% Synergy 2. 81 2. 6% -15. 3% Conexus 11. 20 2. 3% -3. 7% Assiniboine 6. 57 1. 6% -9. 2% Servus 10. 36 1. 2% -10. 9% Interior 0. 0% -100. 0% UNI Financial Corporation 14. 88 -0. 2% -1. 8% Coast Capital 4. 15 -1. 0% -3. 7% Connect First 3. 81 -1. 6% 51. 5% Personal Market Report Top 25 Credit Unions Notes: • Sorted in order of 12 month change in Provincial share. • Vancity, Prospera, Interior, Innovation and Coastal Community have yet to report 2019 results. 9

Updated Annually Total Loans Provincial Share Summary Ranked by 12 month change in Provincial share. Total Loans Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change Meridian 1. 822 13. 7% 49. 5% Steinbach 6. 362 9. 4% 24. 3% Conexus 5. 649 4. 9% 1. 7% Blue Shore 0. 753 4. 0% 33. 2% Affinity 5. 258 2. 8% 0. 0% Desjardins 45. 704 2. 4% 6. 6% Libro Credit Union 0. 192 2. 3% 6. 9% Access 2. 273 1. 9% 19. 0% UNI Financial Corporation 9. 759 1. 7% 2. 3% Cambrian 4. 146 1. 4% 0. 0% Coast Capital 3. 385 1. 2% 11. 0% First West 1. 706 0. 6% 12. 7% DUCA 0. 183 -0. 2% 3. 5% Conect First 1. 328 -0. 5% 71. 4% Servus 4. 212 -0. 8% 4. 4% Alterna 0. 314 -1. 5% 36. 0% Alberta Treasury 10. 458 -2. 7% 6. 3% Synergy 1. 468 -2. 8% -4. 9% Assiniboine 6. 275 -3. 3% -3. 2% Crosstown Civic 2. 349 -4. 2% -6. 6% First Ontario 0. 374 -26. 9% 7. 1% Personal Market Report Top 25 Credit Unions Notes: • Sorted in order of 12 month change in Provincial share. • Vancity, Prospera, Interior, Innovation and Coastal Community have yet to report 2019 results. 10

High Rate Savings and Mortgage Rates Personal 10/21/2021 Market Report Top 25 Credit Unions 11

Quebec Personal Market Report Top 25 Credit Unions 12

Updated Annually % Changes in Share of Total Market Desjardins % Change in Share 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% Demand Deposits Total Deposits Personal Loans Total Personal Market Report Top 25 Credit Unions Term Deposits Mortgages Total Loans See notes view for 2016 Strategies 13

Updated Quarterly % Changes in Share of Total Market Desjardins % Changes in Total Market Share 4, 0% 3, 0% 2, 0% 0, 0% D J'19 F M A M J J A S O N D J F M A M J J A S O N D 1, 0% -2, 0% -3, 0% -4, 0% Demand TERM Total Deposits Mtgs Pers Loans Total Deps and Lns Personal Market Report Top 25 Credit Unions 4 AK 6 14

Updated Quarterly 5 Year % Change in Share of Quebec Banks and Credit Unions Desjardins Change in Share of Quebec Banks and CUs 15, 0% 10, 0% Q 4 Q 2 Q 3 Q 4 Q 1'19 Q 3 Q 2 Q 1'18 Q 4 Q 3 Q 2 Q 1'17 Q 4 Q 3 Q 2 Q 1'16 -5, 0% Q 4 0, 0% Q 1'15 5, 0% -10, 0% Desjardins -15, 0% -20, 0% Demand Term Total Deposits Mortgages Personal Loans Total Deps and Loans Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Share of Quebec Banks and CPs Q 4'19 % 3 Month % 12 Month % 60 Month % Share Change 41. 85 0. 7% 1. 0% 12. 2% 38. 69 -0. 6% -5. 3% -18. 7% 40. 22 0. 1% -2. 2% -5. 5% 51. 01 0. 2% 0. 4% 5. 7% 30. 55 -0. 1% -2. 7% 9. 0% 45. 70 0. 2% -0. 1% 6. 6% 43. 22 0. 1% -1. 1% 1. 2% 18 AM 5 15

Updated Monthly Press Releases § March 27, 2020: COVID 19 Measures: § Desjardins will refund members charged for going over their plan's monthly transaction limit § Desjardins is extending the $250 tap-and-go limit on its credit cards to all retailers with Desjardins payment terminals § Those with travel insurance will get travel assistance, meaning that Desjardins will help them book tickets for return flights, find new accommodation if theirs is closing down, organize translation services and coordinate next steps with the government. They can also count on Desjardins's support if they need emergency healthcare. § Auto insurance policyholders returning early from the US in a rental car will automatically get liability coverage for their vehicle at no extra charge. § April 6, 2020: Desjardins continues to support its members and clients, announcing a refund for auto insurance clients who are driving significantly less § Ottawa, June 13, 2019 - Stéphane Trottier, leader of the Desjardins Ontario Credit Union transition committee and chair of the board of directors of the Fédération des Caisses populaires de l'Ontario (FCPO), is very pleased to announce the appointment of Billy Boucher as the general manager and chief operating officer of the future Desjardins Ontario Credit Union. Mr. Boucher will be taking up his position on June 17, 2019. This new appointment is part of the changes resulting from the special general meetings held in November 2018, at which members voted in favour of a merger of the FCPO with the 11 Ontario caisses populaires. Personal Market Report Top 25 Credit Unions 16 Press

British Columbia Personal Market Report Top 25 Credit Unions 17

Updated Annually Total Personal – BC Credit Unions Change in share of total market – all sectors BC Credit Union Total Deposits and Loans % Change in Share 40, 0% 35, 0% 30, 0% Notes: • First West merged with Island Savings Dec’ 14 • Vancity, Prospera, Interior and Coastal Community have yet to report 2019 Results 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% Van City Coast Capital First West Prospera Coastal Community Blue Shore Personal Market Report Top 25 Credit Unions Blue Shore First West Coast Capital Total Personal Products Total Market Dec’ 19 % 12 Month 60 Month Share % Change 0. 182 1. 1% 33. 1% 0. 415 0. 3% 8. 9% 0. 575 -2. 4% 8. 9% 18

Updated Annually Personal Deposits– BC Credit Unions Change in share of total market – all sectors BC Credit Union Total Deposits Notes: • First West merged with Island Savings Dec’ 14 • Vancity, Prospera, Interior and Coastal Community have yet to report 2019 Results % Change in Share 30, 0% 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% Total Deposits -15, 0% Van City Coast Capital First West Prospera Interior Coastal Community Blue Shore Personal Market Report Top 25 Credit Unions First West Blue Shore Coast Capital Total Market Dec’ 19 % 12 Month 60 Month Share % Change 0. 66 0. 7% 2. 4% 0. 29 0. 0% 27. 6% 0. 67 -4. 6% 0. 8% 19

Updated Annually Personal Loans – BC Credit Unions Change in share of total market – all sectors BC Credit Union Total Loans Notes: • First West merged with Island Savings Dec’ 14 • Vancity, Prospera, Interior and Coastal Community have yet to report 2019 Results % Change in Share 45, 0% 40, 0% 35, 0% 30, 0% 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% -5, 0% 2014 2015 2016 2017 2018 2019 Total Loans -10, 0% Van City Coast Capital First West Prospera Interior Coastal Community Blue Shore Personal Market Report Top 25 Credit Unions Blue Shore Coast Capital First West Total Market Dec’ 19 % 12 Month 60 Month Share % Change 0. 114 2. 0% 38. 8% 0. 513 -0. 7% 15. 7% 0. 258 -1. 4% 17. 4% 20

Updated Annually Total Personal – BC Credit Unions Change in share of BC Banks and Credit Unions Notes: • First West merged with Island Savings Dec’ 14 • Vancity, Prospera, Interior and Coastal Community have yet to report 2019 Results BC Credit Union Total Deposits and Loans % Change in Share 30, 0% 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% Van City Coast Capital First West Prospera Interior Coastal Community Blue Shore Personal Market Report Top 25 Credit Unions Blue Shore First West Coast Capital Total Personal Products Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 1. 17 3. 8% 27. 4% 2. 67 3. 0% 4. 2% 3. 70 0. 2% 4. 2% 21

Updated Annually Personal Deposits – BC Credit Unions Change in share of BC Banks and Credit Unions BC Credit Union Total Deposits Notes: • First West merged with Island Savings Dec’ 14 • Vancity, Prospera, Interior and Coastal Community have yet to report 2019 Results % Change in Share 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% Van City Coast Capital First West Prospera Interior Coastal Community Blue Shore Personal Market Report Top 25 Credit Unions First West Blue Shore Coast Capital Total Deposits Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 4. 08 4. 6% -2. 2% 1. 78 3. 8% 21. 9% 4. 15 -1. 0% -3. 7% 22

Updated Annually Personal Loans – BC Credit Unions Change in share of BC Banks and Credit Unions BC Credit Union Total Loans Notes: • First West merged with Island Savings Dec’ 14 • Vancity, Prospera, Interior and Coastal Community have yet to report 2019 Results % Change in Share 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% Van City Coast Capital First West Prospera Interior Coastal Community Blue Shore Personal Market Report Top 25 Credit Unions Blue Shore Coast Capital First West Total Loans Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 0. 753 4. 0% 33. 2% 3. 385 1. 2% 11. 0% 1. 706 0. 6% 12. 7% 23

Updated Annually % Changes in Share of Total Market Vancity is Canada and BC’s largest credit union with assets of $22. 9 B, 509 k members and 59 locations (Q 2’ 19). % Change in Share Deposits include both personal and commercial. Addressing members’ needs through values-based banking In 2017, Vancity will continue to make progress towards our 2020 goals of having more than 600, 000 members, investing 50 per cent of our assets in impact, and increasing our assets plus assets under administration to $40 billion. 13, 0% 8, 0% 3, 0% -2, 0% 2013 2014 2015 2016 2017 2018 -7, 0% -12, 0% Vancity -17, 0% -22, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Dec '18 Bal $MM 7, 779. 8 11, 528. 5 19, 308. 3 12, 234. 0 690. 9 12, 924. 8 32, 233. 1 Total Market Dec'18 % 12 Month % 60 Month Share Change 0. 98 0. 5% 13. 8% 2. 01 -6. 5% -6. 8% 1. 41 -1. 4% -0. 9% 0. 79 -2. 7% -4. 6% 0. 11 -3. 1% -20. 3% 0. 60 -2. 6% -3. 8% 0. 91 -1. 2% -1. 4% Strategies in Notes View 24

Updated Annually % Changes in Share of BC Banks and Credit Unions Vancity % Change in Share 7, 0% 2013 2014 2015 2016 2017 2018 -3, 0% -8, 0% Vancity -13, 0% -18, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Dec '18 Bal $MM 7, 779. 8 11, 528. 5 19, 308. 3 12, 234. 0 690. 9 12, 924. 8 32, 233. 1 18 AT 5 Share of BC Banks and Credit Unions 12 Month 60 Month Change 1. 4% 6. 0% -5. 2% -10. 5% -0. 2% -6. 5% -3. 2% -8. 0% -5. 7% -16. 5% -3. 6% -6. 0% -1. 4% -5. 1% 25

Updated Monthly Press Releases March 18, 2020, Vancouver B. C. —Vancity today announced plans to provide relief to our members impacted by the economic effects of COVID -19. Vancity initially responded by introducing a three-month loan deferral program for our members. It is clear the effects of the pandemic will last longer, so today we are announcing an extension of that deferral program for a term of up to six months. This includes mortgages and other loans and will support members facing financial uncertainty and vulnerability from the fallout of Coronavirus. Friday, March 20, 2020, Vancouver B. C. — A collection of British Columbia organizations announced today the creation of the Community Response Fund — a special fund to rapidly deploy essential relief to organizations that provide frontline services to people and organizations that are disproportionately impacted by COVID-19 and its economic consequences. The Fund is made possible through the generosity of its Founding Donors: $1 -million from Vancouver Foundation, $1 -million from Vancity Credit Union, $500, 000 from United Way Lower Mainland, $688, 000 from anonymous individual donors to Vancouver Foundation March 23, 2020, Vancouver B. C. – Vancity today announced a Unity Term Deposit, a new investment product that gives members a safe and secure* way to invest their money, while also putting it to work in the community supporting the people, small businesses and non-profits that are most affected by the social and economic fallout of COVID-19. April 8, 2020, Vancouver B. C. — Vancity today announced it is temporarily cutting credit card interest rates to 0%, and deferring minimum payments, for those facing financial difficulty as a result of COVID-19. Vancity personal and business credit card holders who need to defer a payment due to the impacts of the pandemic, will be offered payment deferrals of up to six months at a 0% interest rate. Eligible cardholders affected by COVID-19 can call Vancity to request this relief program November 13, 2019, Unceded territories of Musqueam, Squamish and Tsleil-Waututh Nations/Vancouver B. C. — Vancity credit union has launched three new premium enviro Visa Infinite cards, featuring high reward rates for environmentally-conscious transportation. Vancity’s enviro Visa Infinite, enviro Visa Infinite Privilege and enviro Visa Infinite Businesscards all reward cardholders with five points for every dollar spent on public transit and ferries, including B. C. Ferries. In addition, the enviro Visa Infinite Business card earns five points for every dollar spent on taxis, passenger rail and bus travel, anywhere in Canada. June 19, 2018, Coast Salish Territory/Vancouver, B. C. – Starting today, Vancity members can access a new kind of health benefits plan aimed at meeting the needs of entrepreneurs, small businesses and independent workers across British Columbia. https: //www. vancity. com/About. Vancity/News/Media. Releases/Vancity. Health. Benefits. Plan_Jun 19_2018/ Personal Market Report Top 25 Credit Unions 26 Press

Updated Monthly % Changes in Share of Total Market Coast Capital % Changes in Total Market Share 4, 0% 0, 0% D J'19 F M A M J J A S O N D J F M A M J J A S O N D 2, 0% -4, 0% -6, 0% -8, 0% -10, 0% Demand Mtgs TERM Real Estate Secured Personal Loans Other Personal Loans Personal Market Report Top 25 Credit Unions Strategies in Notes View 27

Updated Annually % Changes in Share of Total Market Coast Capital is Canada’s 2 nd largest and BC’s 2 nd largest credit union with assets of $19. 8 B, 577 k members and 52 locations (Q 2’ 19) in the Metro Vancouver, Fraser Valley and Vancouver Island regions of British Columbia. It was formed from the merger of Richmond Savings, Pacific Coast Savings and Surrey Metro Savings credit unions in 2002. Coast Capital became a Federal Credit Union Nov 1, 2018 % Change in Share 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% Coast Capital -15, 0% -20, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Total Market Dec '19 Bal Dec'19 % 12 Month % 60 Month $MM Share Change 4, 299. 2 0. 51 -2. 6% -6. 7% 5, 477. 3 0. 91 -6. 3% 8. 6% 9, 776. 5 0. 68 -4. 4% 1. 0% 10, 421. 1 0. 63 -0. 6% 19. 1% 1, 231. 9 0. 20 -6. 5% -14. 9% 11, 653. 0 0. 51 -0. 7% 15. 7% 21, 429. 5 0. 58 -2. 3% 9. 0% Strategies in Notes View 28

Updated Annually % Changes in Share of BC Banks and Credit Unions Coast Capital % Change in Share 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% Coast Capital -10, 0% -15, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Share of BC Banks and Credit Unions Dec'19 % 12 Month 60 Month Share Change 3. 17 -0. 4% -10. 0% 5. 54 -0. 4% 2. 6% 4. 17 -0. 7% -3. 4% 3. 81 1. 8% 13. 4% 1. 74 -5. 7% -13. 9% 3. 38 1. 2% 10. 9% 3. 70 0. 3% 4. 3% 29

Updated Monthly Press Releases March 30, Surrey, B. C. – Food Banks BC is thanking Coast Capital Savings for a sizable donation to help the organization address food security concerns in the face of the COVID-19 public health crisis. The BC-based federal credit union has committed $100, 000 to Food Banks BC which will be distributed to local food banks across communities in British Columbia to help curb critical food shortages caused by COVID-19. Food Bank BC will also be working to distribute some of these funds to their provincial counter parts in Alberta and Ontario in support of the communities that Coast Capital serves in those provinces. 29 October 2019 - n. Cino, the worldwide leader in cloud banking, today announced that Coast Capital Savings Federal Credit Union, Canada’s largest credit union by membership, has selected the n. Cino Bank Operating System to serve as its lending solution for online Retail and Small Business loan applications. The n. Cino platform will support automated and best-in-class workflow features for Coast Capital across the organization as part of an end-to-end loan origination process. Sept 9, 2019: Coast Capital Savings, Canada’s largest national credit union, in partnership with thirdstream, launched digital account opening earlier this year. As part of the credit union’s continued dedication to delivering a superior member experience, Canadians can become Coast Capital members and open accounts online in five minutes or less. July 11 – Coast Capital Savings, Canada’s largest credit union by membership, and On. Deck Canada, a leading online lender to Canadian small businesses, today announced an innovative partnership aimed at accelerating online lending to Coast Capital small business members. Beginning this month, Coast Capital Savings (Coast Capital) small business members can apply for term loan financing from On. Deck of up to CAD $250, 000 online, in branch or through the Coast Capital Contact Centre and receive approval and funding in as little as one day. The agreement is aimed at bridging a gap in small business credit in Canada by addressing the urgent needs of Canada’s small business sector faster shortterm financing. October 30, 2018: Coast Capital Savings has been given approval by Minister of Finance Bill Morneau to become a federal credit union, effective November 1, 2018. The approval follows an extensive review by the Office of the Superintendent of Financial Institutions (OSFI), which assessed Coast Capital’s ability and readiness to meet the standards of a federally-regulated financial institution. Personal Market Report Top 25 Credit Unions 30 Press

Updated Annually % Changes in Share of Total Market First West % Change in Share First West is Canada’s 5 th largest and BC’s 3 rd largest credit union with assets of $10. 6 B, 226 k members and 53 locations (Q 2’ 19). 40, 0% First West utilizes the “federated” merger model whereby the merged credit unions maintain their brand, yet the merged credit union offers a common value proposition while fully leveraging operational synergies. The three credit unions currently in the model are Envision, Valley First (Jan ‘ 11) and Island Savings (D’ 14). 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% -30, 0% -40, 0% Demand Deposits Total Deposits Personal Loans Total Personal Market Report Top 25 Credit Unions Term Deposits Mortgages Total Loans Strategies in Notes View 31

Updated Annually % Changes in Share of BC Banks and Credit Unions First West % Change in Share 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% -30, 0% -40, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 18 AT 5 32

Updated Monthly Press Releases § April 17, 2020 LANGLEY, B. C. — Advicent announces that First West Credit Union has integrated the Navi. Plan platform into the digital banking service offering for members and clients at the Canadian financial institution’s 51 branches across British Columbia. § Dec 12, 2019 First West Credit Union today announces that a new digital banking experience is now available for its retail banking members across all its regional divisions. Following on the heels of the launch at Envision Financial in September, all three channels of the Forge Digital Banking Platform, including new mobile apps, online banking platforms and public websites were recently unveiled at Valley First and Island Savings. Developed in partnership with Central 1, First West is the first credit union in Canada to fully release all three channels of the Forge Digital Banking Platform into market, giving its members access to innovative digital banking solutions. § (September 26, 2019) – First West Credit Union today announces the launch of a new digital banking experience in its Envision Financial division. Developed in partnership with Central 1, First West is the first credit union in Canada to release all three channels of the Forge Digital Banking Platform into market, which includes a brand new mobile app, online banking platform and public website. § (August 22, 2019) – Westland Insurance Group Ltd. is pleased to announce the acquisition of First West Insurance Services, a subsidiary of First West Credit Union, effective Sept. 30, 2019. BMO Capital Markets acted as financial advisor to Westland KPMG Corporate Finance acted as financial advisor to First West. § (October 30, 2018) - First West Credit Union and FICANEX® are pleased to announce the roll-out of Send. Global, an international money transfer mobile application that provides a convenient and secure way for customers to send money to family and friends around the world. Integrated through the tunl. ™ platform built by FICANEX, First West Credit Union and its regional divisions – Envision Financial, Island Savings, Valley First and Enderby & District Financial – have launched the app and now offer this valuable service to their current and prospective members. Personal Market Report Top 25 Credit Unions 33 Press

Updated Annually % Changes in Share of Total Market Blue Shore is Canada’s 12 th largest and BC’s 4 th largest credit union with assets of $4. 6 B, 33 k members and 13 locations (Q 2’ 19). % Change in Share 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% -30, 0% Demand Deposits Total Deposits Personal Loans Total Personal Market Report Top 25 Credit Unions Term Deposits Mortgages Total Loans Strategies in Notes View 34

Updated Annually % Changes in Share of BC Banks and Credit Unions Blue Shore % Change in Share 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% -30, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 35

Updated Monthly Press Releases April 7, 2020: New and key features of Online Banking: As more clients embrace new ways of managing their everyday banking through Blue. Shore's Online Banking and Mobile App, we'd like to highlight a few key features beyond the basics of checking account balances, paying bills and transferring money: NEW: CRA Direct Deposit – Through Online Banking (desktop only), you can set up or modify your CRA direct deposit instructions, so you get your government benefit payments faster. This includes the Canada Emergency Response Benefit (CERB), income tax refunds, GST/HST credits and more. Mobile Deposit – Using the Blue. Shore Mobile App, you can quickly and easily deposit cheques to your personal or business account, simply by taking a photo on your smartphone. More convenient, and no need to visit a Blue. Shore ATM or branch. Financial alerts – Stay on top of the timing of funds moving in and out of your account by setting up text or email alerts. They can notify you of Low Balance (falls below a threshold you've determined) and Deposit (when funds over a specified amount are posted to your account – for example, Government benefit payments). Pre-authorized deposits and payments – In addition to setting up CRA direct deposits, you may also be adding more automated debits and credits to your account. To do this, you need your account, institution and transit numbers; learn more here or call the Solution Centre for assistance. § April 8, 2020: Canada Emergency Business Account (CEBA) $40, 000 loan program available soon from Blue. Shore § September 25, 2019 Burnaby branch renos complete; new Financial Spa opens Oct 21 The Burnaby branch staff are excited to welcome clients to their newly renovated branch, reopening Oct 21, 2019. The move will take place the weekend of October 19 -20. Personal Market Report Top 25 Credit Unions 36 Press

Updated Annually % Changes in Share of Total Market Prospera is Canada’s 18 th largest and BC’s 5 th largest credit union with assets of $3. 8 B, 58 k members and 16 locations (Q 2’ 19). % Change in Share 45, 0% 35, 0% 25, 0% 15, 0% -5, 0% 2013 2014 2015 2016 2017 2018 -15, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Prospera Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Dec '18 Bal $MM 817. 6 2, 218. 5 3, 036. 1 1, 991. 1 332. 1 2, 323. 2 5, 359. 3 Total Market Dec'18 % 12 Month % 60 Month Share Change 0. 10 -4. 5% 2. 3% 0. 39 -5. 9% 13. 9% 0. 22 -1. 7% 8. 4% 0. 13 4. 7% 15. 3% 0. 05 -11. 4% 21. 1% 0. 11 2. 1% 17. 6% 0. 15 0. 5% 12. 9% Strategies in Notes View 37

Updated Annually % Changes in Share of BC Banks and Credit Unions Prospera % Change in Share 70, 0% 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2013 2014 2015 2016 2017 2018 Prospera -10, 0% -20, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Dec '18 Bal $MM 817. 6 2, 218. 5 3, 036. 1 1, 991. 1 332. 1 2, 323. 2 5, 359. 3 18 BO 5 Share of BC Banks and Credit Unions 12 Month 60 Month Change -3. 6% -4. 7% -4. 6% 9. 3% -0. 5% 2. 3% 4. 1% 11. 2% -13. 9% 26. 9% 1. 0% 14. 9% 0. 3% 8. 8% 38

Updated Monthly Press Releases § March 25, 2020 Prospera is pleased to announce an interim relief program to provide payment deferral options to assist members during the COVID-19 pandemic. Prospera is committed to supporting its members through this difficult time and have introduced this program that includes options for members to defer lending payments. Prospera will support impacted members by offering payment flexibility and/or short-term deferrals on mortgages, loans and leases. The program is directed at members who are experiencing financial hardship as a direct result of COVID-19. § January 2, 2020: Was the first day of business for Prospera Credit Union, now Canada’s sixth-largest credit union following a successful merger with Westminster Savings Credit Union. The merger is the largest credit union merger in Canadian history. § Nov 21, 2019: Members of Prospera Credit Union and Westminster Savings have approved the largest merger in Canadian credit union history. The new credit union will be called Prospera Credit Union and will have the scale and resources to make significant investments in the products and services people want and expect from their financial institutions. § Surrey and Abbotsford, British Columbia, September 19, 2019: The Boards of Directors of Prospera Credit Union (“Prospera”) and Westminster Savings Credit Union (“Westminster”) today announced that B. C. ’s Financial Institutions Commission (“FICOM”) has provided regulatory consent for the proposed merger of their two long-standing credit unions. Personal Market Report Top 25 Credit Unions 39 Press

Updated Annually % Changes in Share of Total Market Interior Savings is Canada’s 25 th largest and BC’s 8 th largest credit union with assets of $2. 5 B, 69 k members and 21 locations (Q 2’ 19). % Change in Share 10, 0% 5, 0% 0, 0% 2013 2014 2015 2016 2017 2018 -5, 0% -10, 0% -15, 0% -20, 0% -25, 0% -30, 0% Interior -35, 0% -40, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Dec '18 Bal $MM 1, 088. 1 1, 047. 6 2, 135. 7 1, 528. 9 55. 4 1, 584. 4 3, 720. 1 Total Market Dec'18 % 12 Month % 60 Month Share Change 0. 14 2. 1% -8. 4% 0. 18 -14. 0% -14. 1% 0. 16 -5. 1% -11. 8% 0. 10 -3. 8% -5. 1% 0. 01 -1. 4% -38. 6% 0. 07 -3. 6% -4. 9% 0. 11 -3. 9% -8. 4% Strategies in Notes View 40

Updated Annually % Changes in Share of BC Banks and Credit Unions Interior % Change in Share 15, 0% -5, 0% 2013 2014 2015 2016 2017 2018 -15, 0% -25, 0% Interior -35, 0% -45, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Dec '18 Bal $MM 1, 088. 1 1, 047. 6 2, 135. 7 1, 528. 9 55. 4 1, 584. 4 3, 720. 1 Share of BC Banks and Credit Unions 12 Month 60 Month Change 3. 1% -14. 7% -12. 8% -17. 5% -4. 0% -16. 8% -4. 4% -8. 4% -4. 1% -35. 7% -4. 7% -7. 1% -4. 1% -11. 8% 41 Press

Updated Annually % Changes in Share of Total Market Coastal Community is Canada’s 22 nd largest and BC’s 7 th largest credit union with assets of $2. 7 B, 87 k members and 24 locations (Q 4 2018). % Change in Share 30, 0% 20, 0% 10, 0% 2013 2014 2015 2016 2017 2018 -10, 0% -20, 0% -30, 0% Coastal Community -40, 0% -50, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Dec '18 Bal $MM 1, 285. 6 958. 0 2, 243. 6 1, 723. 1 88. 4 1, 811. 4 4, 055. 0 Total Market Dec'18 % 12 Month % 60 Month Share Change 0. 16 -0. 3% -6. 2% 0. 17 -0. 8% 25. 7% 0. 16 -0. 4% 5. 7% 0. 11 3. 8% 25. 0% 0. 01 -12. 6% -48. 9% 0. 08 2. 9% 18. 6% 0. 11 1. 6% 11. 7% 42

Updated Annually % Changes in Share of BC Banks and Credit Unions Coastal Community % Change in Share 20, 0% 10, 0% 2013 2014 2015 2016 2017 2018 -10, 0% -20, 0% -30, 0% Coastal Community -40, 0% -50, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Dec '18 Bal $MM 1, 285. 6 958. 0 2, 243. 6 1, 723. 1 88. 4 1, 811. 4 4, 055. 0 Share of BC Banks and Credit Unions 12 Month 60 Month Change 0. 6% -12. 6% 0. 6% 20. 7% 0. 8% -0. 3% 3. 2% 20. 6% -15. 0% -46. 4% 1. 8% 15. 9% 1. 4% 7. 6% 43

Updated Monthly Press Releases § June 11, 2018 — Vancouver Island, BC: On June 22 nd, Coastal Community Credit Union’s Oceanside wealth services team will have a new home in the heart of Qualicum Beach’s main business district. Coastal Community recently completed a renovation to allow the regional specialists to share an integrated space with Coastal Community Insurance Services (2007) Ltd. on 2 nd Avenue, adjacent to the Credit Union. § May 26, 2017 – Vancouver Island & the Gulf Islands, BC: Coastal Community Credit Union (CCCU), Vancouver Island & the Gulf Island’s largest financial organization, will be re-locating its Nanoose Bay branch just a few doors down. § May 18, 2017 – Vancouver Island & the Gulf Islands, BC: Coastal Community Credit Union (CCCU), the largest Vancouver Island-based financial organization, announced plans to expand yet again in the Capital Regional District (CRD). After significantly surpassing key financial milestones in 2016 including record growth, Coastal Community has exceeded $2 Billion in assets on the Credit Union’s balance sheet and plans are underway to open their 24 th branch and third in the CRD. Coastal Community’s newest branch will be located in Eagle Creek Village and will open in January 2018. § Tuesday, February 14, 2017 Concentra teams up with Coastal Community on new estate and trusts service (Saskatoon/Nanaimo): Coastal Community Credit Union’s 110, 000 members and clients now have access to personalized estate and trust services, thanks to an innovative partnership with Concentra Trust. Personal Market Report Top 25 Credit Unions 44 Press

Alberta Personal Market Report Top 25 Credit Unions 45

Updated Annually Total Personal – Alberta Credit Unions Change in share of total market – all sectors Alberta Credit Union Total Deposits and Loans % Change in Share 60, 0% Notes: • First Calgary merged with Chinook Credit Union November 2014 to create Connect First • Connect First merged with Mountain View August 2018 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% ATB Financial Personal Market Report Top 25 Credit Unions Servus Credit Union Connect First Alberta Treasury Servus Connect First Total Personal Products Total Market Dec’ 19 % 12 Month 60 Month Share % Change 1. 574 -3. 5% -4. 5% 0. 605 -3. 8% -16. 1% 0. 209 -5. 3% 40. 4% 46

Updated Annually Deposits– Alberta Credit Unions Change in share of total market – all sectors Alberta Credit Union Total Deposits Notes: • First Calgary merged with Chinook Credit Union November 2014 to create Connect First • Connect First merged with Mountain View August 2018 % Change in Share 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% Total Deposits -30, 0% ATB Financial Personal Market Report Top 25 Credit Unions Servus Credit Union Connect First Alberta Treasury Servus Connect First Total Market Dec’ 19 % 12 Month 60 Month Share % Change 2. 43 -2. 3% -3. 4% 0. 90 -3. 9% -21. 5% 0. 33 -6. 6% 33. 5% 47

Updated Annually Loans and Mortgages – Alberta Credit Unions Change in share of total market – all sectors Alberta Credit Union Total Loans Notes: • First Calgary merged with Chinook Credit Union November 2014 to create Connect First • Connect First merged with Mountain View August 2018 % Change in Share 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% Total Loans -20, 0% ATB Financial Personal Market Report Top 25 Credit Unions Servus Credit Union Connect First Conect First Servus Alberta Treasury Total Market Dec’ 19 % 12 Month 60 Month Share % Change 0. 131 -4. 0% 48. 3% 0. 416 -4. 3% -9. 7% 1. 032 -6. 1% -8. 0% 48

Updated Annually Total Personal – Alberta Credit Unions Change in share of Alberta Banks and Credit Unions Alberta Credit Union Total Deposits and Loans % Change in Share Notes: • First Calgary merged with Chinook Credit Union November 2014 to create Connect First • Connect First merged with Mountain View August 2018 70, 0% 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% ATB Financial Servus Credit Union Personal Market Report Top 25 Credit Unions Connect First Alberta Treasury Servus Connect First Total Personal Products Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 16. 71 0. 6% 9. 9% 6. 42 0. 3% -3. 5% 2. 22 -1. 2% 61. 5% 49

Updated Annually Deposits– Alberta Credit Unions Change in share of Alberta Banks and Credit Unions Alberta Credit Union Total Deposits Notes: • First Calgary merged with Chinook Credit Union November 2014 to create Connect First • Connect First merged with Mountain View August 2018 % Change in Share 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% ATB Financial Servus Credit Union Personal Market Report Top 25 Credit Unions Connect First Alberta Treasury Servus Connect First Total Deposits Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 27. 85 2. 9% 9. 6% 10. 36 1. 2% -10. 9% 3. 81 -1. 6% 51. 5% 50

Updated Annually Loans and Mortgages – Alberta Credit Unions Change in share of Alberta Banks and Credit Unions Alberta Credit Union Total Loans Notes: • First Calgary merged with Chinook Credit Union November 2014 to create Connect First • Connect First merged with Mountain View August 2018 % Change in Share 80, 0% 70, 0% 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% ATB Financial Servus Credit Union Personal Market Report Top 25 Credit Unions Connect First Conect First Servus Alberta Treasury Total Loans Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 1. 328 -0. 5% 71. 4% 4. 212 -0. 8% 4. 4% 10. 458 -2. 7% 6. 3% 51

Updated Annually % Changes in Share of Total Market ATB Financial Note: • ATB split out demand term deposits once a year in their March 31 st annual report. % Change in Share 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% -30, 0% -40, 0% Demand Deposits Total Deposits Personal Loans Total Personal Market Report Top 25 Credit Unions Term Deposits Mortgages Total Loans 52

Updated Monthly Press Releases § March 18, 2020: Edmonton—Starting immediately, customers will be able to apply for deferred payments for mortgages, personal and business loans. ATB Financial is rolling out a customer relief program to help Albertans through these challenging times. § Nov 8, 2019: ATB Financial is proud to announce its acquisition of the technology assets of Grow Technologies Inc. to bring a new, enhanced digital experience to our customers. § May 03, 2018 Grande Prairie—ATB Financial has opened the doors to its fourth Entrepreneur Centre. Located in Grande Prairie, one of Alberta’s top entrepreneurial communities, it is a place where business owners can meet to share ideas, garner support and learn from banking and business experts. § February 27, 2018: ATB Financial has opened the doors at a new location with a unique purpose—to serve the arts community. The Branch for Arts & Culture is located inside the historic CKUA building in downtown Edmonton. The Branch will cater to artists, businesses and non-profits working in Alberta's creative industries. § Jan 8, 2018: Alta. Corp Capital and ATB Financial are pleased to announce a deeper strategic alliance as they move forward into the new year. § With the passing of Alta. Corp’s founder George Gosbee in November of 2017, ATB is now in the position of being Alta. Corp’s largest shareholder, yet still supported by significant employee ownership. This maintains the entrepreneurial vision originally developed by George and the founding partners when the firm started back in 2010, while providing the added financial strength of a large and established entity in ATB. § May 31, 2017 Edmonton—ATB customers, you can now enjoy the convenience of using Android Pay to make everyday purchases. Personal Market Report Top 25 Credit Unions 53 Press

Updated Quarterly % Changes in Share of Total Market Servus Credit Union % Changes in Total Market Share 0, 0% D F A J A O D F A J A -1, 0% -2, 0% -3, 0% -4, 0% O D Servus is Canada’s 4 th largest and Alberta’s largest credit union with assets of $16. 4 B, 384 k members and 102 locations. (Q 2’ 19) Merged with Safeway Credit Union June 2018 Strategic Priorities for 2017: Member experience: Aligned with key foundational corporate strategies and our brand pillar of tailored expert advice, member experience seeks to create a sustainable competitive advantage for Servus through the delivery of a differentiated member experience and the development of a member-centric culture. Financial fitness: Implement financial fitness as Servus’s noble purpose and embed it within all corporate priorities and strategies to ensure the required behaviors, tools, products and services are implemented to achieve the desired outcomes. -5, 0% -6, 0% -7, 0% -8, 0% -9, 0% Demand TERM Total Deposits Mtgs Pers Loans Total Deps and Lns Personal Market Report Top 25 Credit Unions Strategies in Notes View 54

Updated Annually % Changes in Share of Total Market Servus % Change in Share 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% -25, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions 55

Updated Annually % Changes in Share of Alberta Banks and Credit Unions Servus % Change in Share 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 56

Updated Monthly Press Releases • Jan 7, 2019: Servus Credit Union is giving away $1 million dollars to one lucky winner this spring in The Big Share™ Contest, the biggest of its kind in Canada. The Big Share is designed to encourage people to save and to celebrate the millions of dollars in Profit Share® Servus pays to members each year. Servus Credit Union has paid its members more than $472 million in profits and dividends since 2008. • October 16, 2018: Servus Credit Union has expanded the availability of Apple Pay to include Servus Mastercard. This means that Servus members have more choice when it comes to taking advantage of this cashless payment system. Apple Pay credit allows for convenient, secure purchasing anywhere Mastercard is accepted, both in Canada and internationally, as well as online and within apps. • Sept 13, 2018: Servus Credit Union and the Edson Savings & Credit Union Board of Directors are pleased to announce that the Edson Board has selected Servus as a potential amalgamation partner. • Edson Credit Union and Servus share a long tradition of member service based on co-operative values. Edson has about 2500 members and $57 million in assets. Servus, based in Edmonton, has about 370, 000 members and $16 billion in assets. • August 8, 2018: Garth Warner, President and Chief Executive Officer of Servus Credit Union, announced two new appointments to the Executive Leadership Team effective September 1, 2018: Michelle Belland to the position of Chief Brand Digital Banking Officer; Gail Stepanik. Keber to the newly created position of Purpose and Innovation Officer • June 20, 2018: The Edmonton Eskimos and Servus Credit Union announce a three-year partnership, making Servus Credit Union the official “unbank” of the Green and Gold and 2018 Grey Cup Festival. • April 30, 2018 Banking plan and fee changes coming July 1, 2018: Servus reviews its accounts and fees on a yearly basis to make sure we're giving you more for your money than our competitors while just covering the costs of the services we provide (like our branches and online and mobile banking). This allows us to use the profits we make to invest in new services, support our communities and pay Profit Share® to members. • March 2, 2018: Servus Credit Union opened its high-tech Panorama Hills branch on Wednesday, and it's unlike any they have opened before. The branch has a staff of financial advisors ready to greet and assist members, and it also features a video ATM and interactive digital display in its Member Lounge. The concept is an advice-based branch, where the emphasis is on shaping members' financial fitness—helping them to feel good about their money. Personal Market Report Top 25 Credit Unions 57 Press

Updated Annually % Changes in Share of Total Market Connect First is Canada’s 10 th largest and Alberta’s 2 nd largest credit union with assets of $5. 7 B, 130 K members and 41 locations. (Q 2’ 19). Merged with Chinook Credit Union Nov ‘ 14. Prior periods reflect First Calgary. Merged with Mountain View Credit Union August 2018. First Calgary merged with Chinook Credit Union to form Connect First Credit Union Nov 2014. Mission: Make Money Make a Difference. Vision: to be Alberta’s neighbourhood credit union. Core Values: WE THINK BIG, ACT LOCAL, TAKE CHARGE, and MAKE BANKING EASY. Connect First % Change in Share 140, 0% 120, 0% 100, 0% 80, 0% 60, 0% 40, 0% 20, 0% 2014 2015 2016 2017 2018 2019 Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Strategies in Notes View 58

Updated Annually % Changes in Share of Alberta Banks and Credit Unions Connect First Merged with Chinook Credit Union Nov ‘ 14. Prior periods reflect First Calgary Merged with Mountain View Credit Union August 2018 % Change in Share 180, 0% 160, 0% 140, 0% 120, 0% 100, 0% 80, 0% 60, 0% 40, 0% 20, 0% 2014 2015 Demand Mortgages 2016 Term 2017 Pers Loans 2018 2019 Total Deposits Total Loans Total Prods Personal Market Report Top 25 Credit Unions 59

Updated Monthly Press Releases March 16, 2020: Connect First Credit Union (Connect First) has launched a financial assistance program for its members by offering loan payment relief for up to three months to help lessen the financial impact due to business slowdown, reduced hours or layoffs as a result of COVID-19. March 30, 2020 | Calgary, AB – Effective immediately, Connect First Credit Union (Connect First) will be Alberta’s first financial institution doing banking differently across all branches by offering a full-service delivery model for its members with access through its digital channels from the comfort of their own home. In person branch visits will be made available by appointment only. March 16, 2020: Connect First Credit Union (Connect First) has launched a financial assistance program for its members by offering loan payment relief for up to three months to help lessen the financial impact due to business slowdown, reduced hours or layoffs as a result of COVID-19. Sept 23, 2019: Connect First Credit Union (Connect First), one of Canada’s largest credit unions, announced it has selected CUMIS as its creditor insurance partner. Personal Market Report Top 25 Credit Unions 60 Press

Saskatchewan Personal Market Report Top 25 Credit Unions 61

Updated Annually Total Personal – Saskatchewan Credit Unions Change in share of total market – all sectors Saskatchewan Credit Union Total Deposits and Loans % Change in Share 10, 0% Note: Affinity changed their accounting for personal loans and mortgages in 2017 making prior year comparisons irrelevant. 5, 0% 0, 0% Notes: Affinity merged with Advantage, Spectra and Canoday and Broadview Credit Unions in 2013 and Shaunavon Credit Union and Hudsons Bay Credit Union Jan 2015. 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% Conexus Synergy Innovation Affinity Conexus Synergy Personal Market Report Top 25 Credit Unions Total Personal Products Total Market Dec' 19 % 12 Month 60 Month Share % Change 0. 216 -0. 8% 0. 209 -1. 3% -5. 7% 0. 053 -4. 0% -15. 1% 62

Updated Annually Total Deposits – Saskatchewan Credit Unions Change in share of total market – all sectors Saskatchewan Credit Union Total Deposits Notes: Affinity merged with Advantage, Spectra and Canoday and Broadview Credit Unions in 2013 and Shaunavon Credit Union and Hudsons Bay Credit Union Jan 2015. % Change in Share 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% Total Deposits -20, 0% Conexus Synergy Innovation Affinity Synergy Conexus Affinity Personal Market Report Top 25 Credit Unions Total Market Dec' 19 % 12 Month 60 Month Share % Change 0. 08 -3. 0% -17. 8% 0. 34 -3. 2% -6. 5% 0. 37 -1. 3% 2. 3% 63

Updated Annually Total Loans – Saskatchewan Credit Unions Change in share of total market – all sectors Notes: Affinity merged with Advantage, Spectra and Canoday and Broadview Credit Unions in 2013 and Shaunavon Credit Union and Hudsons Bay Credit Union Jan 2015. Saskatchewan Credit Union Total Loans % Change in Share 15, 0% Note: Affinity changed their accounting for personal loans and mortgages in 2017 making prior year comparisons irrelevant. 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% Total Loans -15, 0% Conexus Synergy Innovation Affinity Conexus Affinity Synergy Personal Market Report Top 25 Credit Unions Total Market Dec' 19 % 12 Month 60 Month Share % Change 0. 128 0. 9% -6. 9% 0. 119 -1. 2% 0. 033 -6. 6% -13. 0% 64

Updated Annually Total Personal – Saskatchewan Credit Unions % Change in share of Saskatchewan banks and credit unions Saskatchewan Credit Union Total Deposits and Loans Notes: Affinity merged with Advantage, Spectra and Canoday and Broadview Credit Unions in 2013 and Shaunavon Credit Union and Hudsons Bay Credit Union Jan 2015. % Change in Share 10, 0% Note: Affinity changed their accounting for personal loans and mortgages in 2017 making prior year comparisons irrelevant. 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% Conexus Synergy Innovation Affinity Conexus Synergy Personal Market Report Top 25 Credit Unions Total Personal Products Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 8. 45 3. 8% 0. 0% 8. 19 3. 3% 0. 2% 2. 08 0. 4% -9. 9% 65

Updated Annually Total Deposits – Saskatchewan Credit Unions % Change in share of Saskatchewan banks and credit unions Saskatchewan Credit Union Total Deposits % Change in Share Notes: Affinity merged with Advantage, Spectra and Canoday and Broadview Credit Unions in 2013 and Shaunavon Credit Union and Hudsons Bay Credit Union Jan 2015. 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% Conexus Synergy Personal Market Report Top 25 Credit Unions Innovation Affinity Synergy Conexus Total Deposits Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 12. 24 4. 3% 5. 4% 2. 81 2. 6% -15. 3% 11. 20 2. 3% -3. 7% 66

Updated Annually Total Loans – Saskatchewan Credit Unions % Change in share of Saskatchewan banks and credit unions Saskatchewan Credit Union Total Loans Notes: Affinity merged with Advantage, Spectra and Canoday and Broadview Credit Unions in 2013 and Shaunavon Credit Union and Hudsons Bay Credit Union Jan 2015. % Change in Share 14, 0% Note: Affinity changed their accounting for personal loans and mortgages in 2017 making prior year comparisons irrelevant. 12, 0% 10, 0% 8, 0% 6, 0% 4, 0% 2, 0% 0, 0% -2, 0% 2014 2015 2016 2017 2018 2019 -4, 0% -6, 0% Conexus Synergy Innovation Affinity Conexus Affinity Synergy Personal Market Report Top 25 Credit Unions Total Loans Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 5. 649 4. 9% 1. 7% 5. 258 2. 8% 0. 0% 1. 468 -2. 8% -4. 9% 67

Updated Annually % Changes in Share of Total Market Connexus Conexus is Canada’s 6 th largest and Saskatchewan’s largest credit union with assets of $6. 4 B, 126 k members and 39 locations (Q 2’ 19). % Change in Share 20, 0% Conexus was formed from the merger of Conexus Credit Union, Moosomin Credit Union, Prince Albert Credit Union and Heartland Credit Union in 2005. Conexus amalgamated with ACE Credit Union Jan 2011 and with Midale Credit Union Jan 2013. 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% -25, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Note: Fintech partner - Grow Personal Market Report Top 25 Credit Unions Strategies in Notes View 68

Updated Annually % Changes in Share of Saskatchewan Banks and Credit Unions Connexus % Change in Share 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 69

Updated Monthly Press Releases April 16 - Conexus Branches Shift to Service By Appointment March 13, 2020: With so much uncertainty surrounding the COVID-19 outbreak, we'd like to assist you with ways to take precautions in your day-to-day banking. Whether you are self-isolating, looking for ways to practice social distancing, or simply looking to reduce the amount of trips you take into a branch - we've put together a list of options available to our members to bank remotely. Still unsure and want to talk to someone before coming into a branch? Feel free to call your local branch or our Member Contact Centre at 1800 -667 -7477 and we'd be happy to answer any questions you may have. Sept 6, 2018: New Business Account Fees: October 1, 2018 Conexus is committed to providing you the best financial solutions to fit your business' unique needs. Therefore, some of the account and service fees you are currently paying will be changing as of October 1, 2018, including NO FEE deposits and the new Business 240 account. We are also improving the service that we offer Agriculture Members by converting accounts to match those that we offer Business Members. § August 15 th, 2018 - Encore. FX (www. encorefx. com), a leading provider of foreign exchange, global payments, and risk management products for corporations, announced today that it has partnered with Conexus Credit Union to offer foreign exchange risk management services to Conexus’ business members. § August 14, 2018 – Canada’s first-ever authenticated voice banking service using Amazon Alexa, launches from creator Central 1 today. Central 1 clients - Innovation Credit Union and Conexus Credit Union - are piloting the technology that allows customers to use their voice to command actions for their bank accounts, as if Amazon Alexa were a customer service representative. In addition to being cutting-edge, the technology is revolutionary for those who may be either visually impaired, unable to leave their homes or use keyboards or smartphones to conduct their banking. Personal Market Report Top 25 Credit Unions 70 Press

Updated Annually % Changes in Share of Total Market Affinity is Canada’s 8 th largest and Saskatchewan’s 2 nd largest credit union with assets of $5. 9 B, 121 k members and 56 locations (Q 2’ 19) % Change in Share Affinity merged with Kenaston, Lintlaw, Prairie Diamond and Milestone Credit Unions in Jan 2007; with First. Sask and Nokomis Savings Credit Unions Jan 2008; with Broadview and Canoday Credit Unions Jan'13; with Spectra and Advantage July 2013; and Shaunavon Credit Union and Hudsons Bay Credit Union Jan 2015. 25, 0% 20, 0% 15, 0% Deposits include both personal and commercial. 10, 0% Affinity changed their accounting for personal loans and mortgages in 2017 making prior year comparisons irrelevant. 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Strategies in Notes View 71

Updated Annually % Changes in Share of Saskatchewan Banks and Credit Unions Affinity % Change in Share 30, 0% 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 18 EG 9 72

Updated Monthly Press Releases Mar 13, 2020: The health and well-being of our members, employees and communities is our primary focus during the COVID-19 outbreak. We understand that now more than ever, our members need us for advice and support. Presently, our advice centres and Contact Centre will continue to operate during their usual hours of operation. Rest assured, we have plans in place to ensure members continue to receive the services they need. Jun 14, 2018: A first of its kind in the province, Affinity Credit Union has launched a new fast short-term loan designed to help individuals get out of the payday loan cycle and to prevent others from getting caught in it. “Every one of our members is important to us. We know that unexpected expenses can pop up and when they do, they can affect an individual’s ability to manage until the next paycheque arrives. Our role, as a credit union, is to help our members navigate financial challenges. The Restart Loan was developed to assist members who are struggling with debt and credit challenges and to help prevent them from resorting to a payday loan out of desperation, ” said Myrna Hewitt, Executive Vice President, Member Experience, Affinity Credit Union. Jan 24, 2018: We’re excited to announce a strategic partnership with First Nations Bank of Canada (FNBC). This partnership will allow us to better serve the banking and financial services needs of First Nations and Métis peoples in Saskatchewan. Under the new strategic partnership, Affinity and FNBC will work together to respond to commercial banking opportunities that are mutually beneficial. FNBC and Affinity will cooperate on opportunities that take advantage of each other’s strength. The resulting synergy will deliver superior financial services to Indigenous peoples and their communities. § Jan 02, 2018: On January 1, 2018, Porcupine Credit Union joined the Affinity family. Wishing the warmest of welcomes to members from Porcupine Credit Union – we’re so excited to have you on board! We’re committed to providing you an exceptional member service experience, no matter how or where you bank with us. Personal Market Report Top 25 Credit Unions 73 Press

Updated Annually % Changes in Share of Total Market Innovation is Canada’s 20 th largest and Saskatchewan’s 3 nd largest credit union with assets of $2. 8 B, 55 k members and 25 locations (Q 2’ 19) % Change in Share 95, 0% Innovation merged with BCU Financial and Southwest Credit Union Jan 2007 and with East End Credit Union Jan 2013 Innovation is in the process of becoming a Federal Credit Union 75, 0% 55, 0% 35, 0% 15, 0% -5, 0% 2013 2014 2015 2016 2017 2018 Innovation -25, 0% Demand Deposits Term Deposits Total Loans Total Personal Market Report Top 25 Credit Unions Total Deposits Demand Term Total Deposits Total Loans Total Fin Prods Dec '18 Bal $MM 1, 279. 4 997. 2 2, 276. 6 953. 7 3, 230. 2 Total Market Dec'18 % 12 Month % 60 Month Share Change 0. 16 -5. 6% -19. 9% 0. 18 22. 3% 92. 0% 0. 17 4. 4% 9. 0% 0. 04 -0. 5% 3. 3% 0. 09 3. 8% 8. 2% Strategies in Notes View 74

Updated Annually % Changes in Share of Saskatchewan Banks and Credit Unions Innovation % Change in Share 80, 0% 70, 0% 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% -10, 0% Innovation 2013 2014 2015 2016 2017 2018 -20, 0% Demand Term Total Loans Total Prods Personal Market Report Top 25 Credit Unions Total Deposits Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Dec '18 Bal $MM 1, 279. 4 997. 2 2, 276. 6. 0. 0 953. 7 3, 230. 2 Share of Saskatchewan Banks and Credit Unions 12 Month 60 Month Change -5. 8% -16. 0% 23. 9% 74. 8% 4. 1% 7. 4% -100. 0% 0. 8% 5. 6% 4. 2% 8. 6% 75

Updated Monthly Press Releases • April 13, 2020: Just a reminder that effective today, Monday, April 13 th, all of our advice centres/branches have shifted to phone, online, and by-appointment-only service as an additional COVID-19 safety measure. They are closed to walk-in traffic. Please call us at 1. 866. 446. 7001 so we can help you determine your best service option for your banking needs • March 12, 2020: Your safety is our number one priority With the World Health Organization declaring COVID-19 (the coronavirus) a pandemic, I wanted to let our members know how and what Innovation is doing in response. Our members’ and staff safety are our number one priority. As a part of our proactive business continuity framework, we’re currently analyzing areas of potential risk and are implementing the following proactive safety measures: employing external contractors, including additional cleaning and sanitation at our advice centres, ensuring we follow the “ 6 foot rule” to protect members visiting an advice centre, limiting staff non-essential business travel, and cancelling or postponing large staff gatherings/meetings. Digital services. We understand you may have concerns about visiting public places during this time, including your local Innovation advice centre. If you’re not already banking with us digitally, I wanted to remind you of our outstanding digital services that give you the ability to bank from home 24/7. Mobile app. You can download our mobile app by searching “Innovation Credit Union” at your favourite app store. You can check your balance, transfer funds, deposit cheques and more in minutes. Call us to get set-up today: 1. 866. 446. 7001. Online banking. If you’d rather bank using your computer, our online banking platform offers many of the same convenient services as our app. Call us to get started: 1. 866. 446. 7001. Remote deposit capture. You don’t have to come to an advice centre to deposit your cheque. You can easily deposit it using your smartphone in seconds. Learn more… Direct deposit. You can have any regular cheque you receive automatically deposited for you. Give us a call to find out how: 1. 866. 446. 7001. Pay bills. You can pay bills online using online banking or our mobile app. You can also arrange for pre-authorized bill payments where your bills are paid automatically for you each month. Call us for help with set-up: 1. 866. 446. 7001. Call centre. Our call centre staff are outstanding. You can apply for loans, mortgages, line of credits, accounts, investments and more right over the phone or through video chat. We have extended hours to serve you. Learn more… Personal Market Report Top 25 Credit Unions 76 Press

Updated Annually % Changes in Share of Total Market Synergy is Canada’s 34 th and Saskatchewan’s 4 th largest Credit Union with $1. 4 B in assets, 25 K members and 10 locations (Q 2’ 19) Synergy % Change in Share 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% -30, 0% -40, 0% Demand Deposits Total Deposits Personal Loans Total Personal Market Report Top 25 Credit Unions Term Deposits Mortgages Total Loans Strategies in Notes View 77

Updated Annually Changes in Share of Saskatchewan Banks and Credit Unions Synergy % Change in Share 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% -5, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -15, 0% -20, 0% -25, 0% -30, 0% -35, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 78 Press

Manitoba Personal Market Report Top 25 Credit Unions 79

Updated Annually Total Personal – Manitoba Credit Unions Change in share of total market – all sectors Manitoba Credit Union Total Deposits and Loans % Change in Share Notes: Access merged with Sanford CU in 2013 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% Assiniboine Steinbach Cambrian Credit Union Acccess Credit Union Crosstown Civic Credit Union Personal Market Report Top 25 Credit Unions Steinbach Crosstown Civic Access Cambrian Assiniboine Total Personal Products Total Market Dec' 19 % 12 Month 60 Month Share % Change 0. 259 10. 0% 18. 2% 0. 105 6. 7% 5. 7% 0. 101 1. 1% 12. 8% 0. 156 0. 8% -2. 9% 0. 179 -3. 4% -8. 0% 80

Updated Annually Total Deposits – Manitoba Credit Unions Change in share of total market – all sectors Manitoba Credit Union Total Deposits Notes: Access merged with Sanford CU in 2013 % Change in Share 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% Total Deposits -10, 0% -15, 0% Assiniboine Steinbach Cambrian Credit Union Acccess Credit Union Crosstown Civic Credit Union Personal Market Report Top 25 Credit Unions Crosstown Civic Steinbach Cambrian Access Assiniboine Total Market Dec' 19 % 12 Month 60 Month Share % Change 0. 19 13. 5% 12. 7% 0. 44 11. 1% 15. 1% 0. 25 1. 4% -4. 3% 0. 18 1. 3% 9. 6% 0. 23 -1. 3% -10. 4% 81

Updated Annually Total Loans – Manitoba Credit Unions Change in share of total market – all sectors Manitoba Credit Union Total Loans Notes: Access merged with Sanford CU in 2013 % Change in Share 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% Total Loans -15, 0% Assiniboine Steinbach Cambrian Credit Union Acccess Credit Union Crosstown Civic Credit Union Personal Market Report Top 25 Credit Unions Steinbach Access Cambrian Assiniboine Total Market Dec' 19 % 12 Month 60 Month Share % Change 0. 147 6. 7% 20. 1% 0. 053 -0. 7% 15. 0% 0. 096 -1. 1% -3. 4% 0. 145 -5. 8% -6. 4% 82

Updated Annually Total Personal – Manitoba Credit Unions Changes in share of Manitoba Banks and Credit Unions Manitoba Credit Union Total Deposits and Loans Notes: Access merged with Sanford CU in 2013 % Change in Share 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% Assiniboine Steinbach Cambrian Credit Union Acccess Credit Union Crosstown Civic Credit Union Personal Market Report Top 25 Credit Unions Steinbach Crosstown Civic Access Cambrian Assiniboine Total Personal Products Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 9. 31 12. 8% 20. 6% 3. 79 9. 4% 7. 8% 3. 63 3. 7% 15. 1% 5. 61 3. 4% -1. 0% 6. 42 -0. 9% -6. 1% 83

Updated Annually Total Deposits – Manitoba Credit Unions Changes in share of Manitoba Banks and Credit Unions Manitoba Credit Union Total Deposits Notes: Access merged with Sanford CU in 2013 % Change in Share 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% Assiniboine Steinbach Cambrian Credit Union Acccess Credit Union Crosstown Civic Credit Union Personal Market Report Top 25 Credit Unions Crosstown Civic Steinbach Cambrian Access Assiniboine Total Deposits Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 5. 28 16. 8% 14. 3% 12. 36 14. 4% 16. 7% 7. 13 4. 4% -3. 0% 5. 03 4. 3% 11. 2% 6. 57 1. 6% -9. 2% 84

Updated Annually Total Loans – Manitoba Credit Unions Changes in share of Manitoba Banks and Credit Unions Manitoba Credit Union Total Loans Notes: Access merged with Sanford CU in 2013 % Change in Share 30, 0% 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% Assiniboine Steinbach Cambrian Credit Union Acccess Credit Union Crosstown Civic Credit Union Personal Market Report Top 25 Credit Unions Steinbach Access Cambrian Assiniboine Total Loans Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 6. 362 9. 4% 24. 3% 2. 273 1. 9% 19. 0% 4. 146 1. 4% 0. 0% 6. 275 -3. 3% -3. 2% 85

Updated Annually % Changes in Share of Total Market Steinbach is Canada’s 7 th largest and Manitoba’s largest credit union with assets of $6. 3 B, 93 k members and 3 locations (Q 2’ 19) % Change in Share 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% Demand Deposits Term Deposits Total Deposits Mortgages Total Loans Total Personal Market Report Top 25 Credit Unions Strategies in Notes View 86

Updated Annually % Changes in Share of Manitoba Banks and Credit Unions Steinbach % Change in Share 30, 0% 25, 0% 20, 0% 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% Demand Term Total Deposits Mortgages Total Loans Total Prods Personal Market Report Top 25 Credit Unions 87

Updated Monthly Press Releases (November 26, 2019) — The Canadian Credit Union Association (CCUA) announced today that Access Credit Union (MB), Affinity Credit Union (SK), Assiniboine Credit Union (MB), Cambrian Credit Union (MB), Innovation Credit Union (SK), Prospera Credit Union (BC), Servus Credit Union (AB) and Steinbach Credit Union (MB) are the first credit unions in Canada to launch Interac Debit on Google Pay. Members of these credit unions can now make purchases directly from their chequing or savings accounts at retailers displaying the Interac Flash logo, or within apps of particpating merchants, with eligible Android. TM devices. May 2019: Use your SCU Collabria® Mastercard for a chance to win a priceless experience! Entering is easy. Simply use your credit card between now and August 15 for a chance to win a grand prize trip for two to Bangkok, Thailand (valued at $29, 275)! In addition to the Grand Prize, there will be three (3) additional draws over the contest period, with winners receiving one of five $500 gift cards. October 2, 2018: All new cards | Many great benefits: We’ve chosen a suite of credit cards designed to meet your needs. Not only does this include an amazing Flex. Rewards Program 1, you’ll get additional perks perfectly suited for you. Here’s an overview of some of these amazing benefits, and the cards that offer them! Price Protection Service Always pay the lowest price across Canada. If you find a lower price for a recently purchased item, we’ll refund the difference when you use your World Mastercard® or your SCU Collabria® Visa* Infinite Business Card. (Some restrictions apply. ) Comprehensive Travel Benefits 2 Our best travel coverage includes 24/7 emergency travel assistance, auto rental collision and loss insurance, emergency health care coverage, trip cancellation protection, and more! Enjoy worry-free travel with our World Mastercard, Travel Rewards Gold Mastercard, and US Dollar Mastercard. Mobile Device Insurance 3 When you use your Student Mastercard, Cash Back Mastercard, Flex. Rate Mastercard, or Classic Mastercard to purchase a mobile device, we’ll help cover you in case of damage or theft, so you can get back in touch right away. Personal Market Report Top 25 Credit Unions 88 Press

Updated Annually % Changes in Share of Total Market Assiniboine is Canada’s 11 th largest and Manitoba’s 2 nd largest credit union with assets of $4. 8 B, 126 k members and 18 locations (Q 2’ 19). % Change in Share 10, 0% Assiniboine operates a direct “bank” deposit acquisition channel called Outlook Financial offering registered and non-registered high rate savings accounts and GICs. 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% -25, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Strategies in Notes View 89

Updated Annually % Change in Share of Manitoba Banks and Credit Unions Assiniboine % Change in Share 15, 0% 10, 0% 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% -25, 0% -30, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 18 EN 5 90

Updated Monthly Press Releases MARCH 27, 2020: ACU now offering up to 35 free Interac e-Transfers® per month March 27, 2020 - We are temporarily offering up to 35 free Interac e-transfers per month in response to COVID-19 March 16, 2020: Let's keep connected during COVID-19 We know you may have a lot of things to be concerned about with the heightened precautions over COVID-19, but banking shouldn’t be one of them. Our team is here to help you make sure your banking needs are taken care of – just like always. More: https: //assiniboine. mb. ca/About-Us/Member. News/2020 -03 -16 -lets-keep-connected-during-covid 19/ October 16, 2019: This winter we will be consolidating the Keewatin Branch with our nearby Garden City branch (2211 Mc. Phillips Street) effective February 21, 2020. Today, October 11, 2019, we closed the Mc. Leod branch. Mc. Leod members were transferred to our nearby Regent branch located at 1609 Regent Avenue West. • April 24, 2019 - This fall we will be transferring our Mc. Leod members to our nearby Regent branch and closing the Mc. Leod branch effective October 11, 2019. Personal Market Report Top 25 Credit Unions 91 Press

Updated Annually % Changes in Share of Total Market Cambrian is Canada’s 17 th largest and Manitoba’s 3 rd largest credit union with assets of $3. 9 B, 65 k members and 11 locations (Q 2’ 19). % Change in Share 10, 0% Cambrian operates a direct “bank” deposit acquisition capability called Achieva Financial offering registered and non-registered high rate savings account and GICs. 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Strategies in Notes View 92

Updated Annually % Changes in Share of Manitoba Banks and Credit Unions Cambrian % Change in Share 5, 0% 0, 0% 2014 2015 2016 2017 2018 2019 -5, 0% -10, 0% -15, 0% -20, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 93

Press Releases Upcoming Pricing Changes by Cambrian Credit Union | Jun 12, 2019 Effective September 1 st, , 2019, we are making the following changes to our service fees: Rejected Pre-Authorized Credit/Payroll Deposit Fee from $5. 00 to $15. 00 Premium Savings Account Transaction Fees from $1. 50 to $2. 00 (refunded through The Unfee) Monthly Overdraft Protection Fee from $1. 00 to $2. 00 (refunded through The Unfee) NSF Cheque Fee increasing from $40. 00 to $45. 00 Paper Statement Copy (duplicate) Fee from $1. 00 to $2. 00 Interim Statement Fee from $1. 00 to $2. 00 Statement Item Retrieval from $1. 50 to $2. 00 Photocopies from $0. 50 to $1. 00 Personal Market Report Top 25 Credit Unions 94 Press

Updated Annually % Changes in Share of Total Market Access is Canada’s 21 st largest and Manitoba’s 4 th largest credit union with assets of $2. 8 B, 52 k members and 17 locations (Q 2’ 19). % Change in Share 40, 0% Lowe Farm Credit Union amalgamated with Access in Jan 2010 and with Sanford Credit Union Jan 2013. 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% -30, 0% -40, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Strategies in Notes View 95

Updated Annually % change in share of Manitoba Banks and Credit Unions Access % Change in Share 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% -30, 0% -40, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 96

Updated Monthly Press Releases April 8, 2019: Access Credit Union Funds Food Banks Across Southern Manitoba Southern MB – In response to the challenges faced by support services across Southern Manitoba, Access Credit Union is proud to announce donations to food banks in its service area to assist with increased costs of food and to support the increased demand for deliveries because of social distancing efforts. March 17, 2020: The Boards of both Access and Crosstown Civic Credit Union are announcing an indefinite postponement for their merger vote and Special Meeting of Members originally scheduled for March 19 th. “In an attempt to take reasonable yet appropriate action while fully supporting our members' well- being, we have decided to postpone our Member Vote and corresponding Special Meeting of Members for the proposed merger between Access Credit Union and Crosstown Civic Credit Union, ” shared Curt Letkeman, Chair of the Board of Directors for Access Credit Union. November 27, 2019 Access Credit Union and Crosstown Civic Credit Union Engaged In Merger Discussions MB – The Board of Directors of Access Credit Union and Crosstown Civic Credit Union are pleased to announce that they have recently engaged in discussions regarding the potential for a merger between the two organizations. Personal Market Report Top 25 Credit Unions 97 Press

Updated Annually % Changes in Share of Total Market Crosstown Civic is Canada’s 24 th largest and Manitoba’s 5 th largest credit union with assets of $2. 4 B, 31 k members and 9 locations (Q 2’ 19). It was formed from the merger of Cross Town and Civic Credit Unions July 2007. Crosstown Civic % Change in Share 40, 0% Crosstown Civic operates a direct “bank” deposit acquisition capability called Accele. Rate Financial offering registered and non-registered high rate savings account and GICs. 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Strategies in Notes View 98

Updated Annually % Changes in Share of Manitoba Banks and Credit Unions Crosstown Civic % Change in Share 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% Crosstown Civic 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Personal Loans Total Fin Prods Share of Manitoba Banks and Credit Unions Dec'19 % 12 Month 60 Month Share Change 4. 39 5. 5% -7. 3% 6. 34 28. 3% 41. 0% 5. 28 16. 8% 14. 3% 2. 82 -4. 5% -7. 1% 0. 87 -2. 5% -10. 0% 2. 35 -4. 2% -6. 6% 3. 79 9. 4% 7. 8% Highlights +/-1%, 5% and 15% for 2, since Dec'15 and 60 months change respectively. 99

Press Releases March 17, 2020: Access and Crosstown Civic Credit Union Merger Vote Postponed Indefinitely MB – The Boards of both Access and Crosstown Civic Credit Union are announcing an indefinite postponement for their merger vote and Special Meeting of Members originally scheduled for March 19 th. "In an attempt to take reasonable yet appropriate action while fully supporting our members' well-being, we have decided to postpone our Member Vote and corresponding Special Meeting of Members for the proposed merger between Access Credit Union and Crosstown Civic Credit Union, " shared Curt Letkeman, Chair of the Board of Directors for Access Credit Union. Feb 20, 2020: The Board of Directors of Access Credit Union and Crosstown Civic Credit Union are pleased to announce the completion of their due diligence and unanimous approval of the business case regarding the potential for a merger between the two organizations. NOVEMBER 27, 2019 - MB - The Board of Directors of Access Credit Union and Crosstown Civic Credit Union are pleased to announce that they have recently engaged in discussions regarding the potential for a merger between the two organizations. 02 May 2019 Effective April 30, members with Crosstown Civic Collabria credit cards now have the option to sign up for the new Auto. Pay feature. This feature allows you to have your monthly credit card payments automatically deducted from your chequing or savings account. Nov 29, 2018: Edge Start, Youth Edge, and Student Edge accounts determined to jumpstart future savings and financial literacy. Crosstown Civic is pleased to announce our new lineup of youth account products. As part of our commitment to helping our members grow their savings, we are pleased to announce we have made some enhancements to the Fat Cat®, Moving Up® and Student accounts. These improvements will help us better serve our members, while enabling us to offer the most up-to-date products. Designed with your child’s future saving habits in mind, we’ve developed the products they need now for financial success later. Here’s what you should know: Personal Market Report Top 25 Credit Unions 100 Press

Ontario Personal Market Report Top 25 Credit Unions 101

Updated Annually Total Personal – Ontario Credit Unions Change in share of total market – all sectors Ontario Credit Union Total Deposits and Loans % Change in Share 70, 0% 60, 0% Notes: Libro merged with United Communities 1 n 2014 and with Hald-Nor Credit Union in 2015. First Ontario merged with Rochdale Credit Union in 2013. Alterna purchased Ottawa Women's CU in 2013. Alterna merged with Peterborough Community and Nexus Credit Unions in 2016. 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% Meridian Libro Credit Union Alterna First Ontario DUCA Personal Market Report Top 25 Credit Unions Meridian DUCA Libro Credit Union Alterna First Ontario Total Personal Products Total Market Dec' 19 % 12 Month 60 Month Share % Change 0. 733 9. 1% 47. 0% 0. 122 6. 8% 28. 2% 0. 144 3. 0% 17. 6% 0. 195 -0. 1% 64. 4% 0. 183 -13. 6% 31. 5% 102

Updated Annually Total Personal Deposits – Ontario Credit Unions Change in share of total market – all sectors Ontario Credit Union Total Deposits % Change in Share 80, 0% 70, 0% 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% Total Deposits 2014 2015 2016 2017 2018 -10, 0% Meridian Libro Credit Union Alterna First Ontario DUCA Personal Market Report Top 25 Credit Unions 2019 DUCA Meridian First Ontario Libro Credit Union Alterna Total Market Dec' 19 % 12 Month 60 Month Share % Change 0. 21 10. 5% 36. 9% 0. 82 4. 1% 30. 7% 0. 25 3. 5% 48. 8% 0. 26 2. 8% 16. 3% 0. 32 0. 5% 74. 2% 103

Updated Annually Total Personal Loans – Ontario Credit Unions Change in share of total market – all sectors Ontario. Credit Union Total Loans % Change in Share 80, 0% 70, 0% 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% Total Loans 2014 2015 2016 2017 2018 -10, 0% Meridian Libro Credit Union Alterna First Ontario DUCA Personal Market Report Top 25 Credit Unions 2019 Meridian Libro Credit Union DUCA Alterna First Ontario Total Market Dec' 19 % 12 Month 60 Month Share % Change 0. 681 13. 0% 61. 0% 0. 072 1. 7% 15. 2% 0. 068 -0. 7% 11. 5% 0. 117 -2. 0% 46. 5% 0. 140 -27. 4% 15. 3% 104

Updated Annually Total Personal – Ontario Credit Unions Change in share of Ontario banks and credit unions Ontario Credit Union Total Deposits and Loans % Change in Share 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% Meridian Libro Credit Union Alterna First Ontario DUCA Personal Market Report Top 25 Credit Unions Meridian DUCA Libro Credit Union Alterna First Ontario Total Personal Products Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 1. 81 10. 6% 40. 0% 0. 30 8. 2% 22. 1% 0. 36 4. 4% 12. 0% 0. 48 1. 3% 56. 6% 0. 45 -12. 4% 25. 2% 105

Updated Annually Total Deposits – Ontario Credit Unions Change in share of Ontario Banks and Credit Unions Ontario Credit Union Total Deposits % Change in Share 80, 0% 70, 0% 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% Meridian Libro Credit Union Alterna First Ontario DUCA Personal Market Report Top 25 Credit Unions DUCA Meridian First Ontario Libro Credit Union Alterna Total Deposits Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 0. 45 13. 4% 35. 5% 1. 79 6. 8% 29. 4% 0. 55 6. 2% 47. 2% 0. 57 5. 4% 15. 2% 0. 70 3. 1% 72. 4% 106

Updated Annually Total Loans – Ontario Credit Unions Change in share of Ontario Banks and Credit Unions Ontario. Credit Union Total Loans % Change in Share 80, 0% 70, 0% 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% Meridian Libro Credit Union Alterna First Ontario DUCA Personal Market Report Top 25 Credit Unions Meridian Libro Credit Union DUCA Alterna First Ontario Total Loans Provincial Share of Banks & Cus Dec'19 % 12 Month 60 Month Share % Change 1. 822 13. 7% 49. 5% 0. 192 2. 3% 6. 9% 0. 183 -0. 2% 3. 5% 0. 314 -1. 5% 36. 0% 0. 374 -26. 9% 7. 1% 107

Updated Annually % Changes in Share of Total Market Meridian is Canada’s 3 rd largest and Ontario’s largest credit union with assets of $19. 8 B, 366 k members and 91 locations (Q 2’ 19). % Change in Share 70, 0% 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Strategies in Notes View 108

Updated Annually % Change in Share of Ontario Banks and Credit Unions Meridian % Change in Share 60, 0% 50, 0% 40, 0% 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 18 FW 5 109

Updated Monthly Press Releases § April 9, 2020 – Meridian, Canada’s second largest credit union and the largest in Ontario, is launching the Canada Emergency Business Account (CEBA) Loan Program with a secure digital solution available for eligible Members. The CEBA Loan Program is part of the federal government’s $25 billion program for Canadian small business. § March 14, 2020: With COVID-19 on everyone’s mind, I wanted to reach out and give you an update on Meridian’s commitment to our Members and employees. As news comes in, we are monitoring information from Canadian public health and Government authorities, and taking the steps needed to reduce risk. https: //www. meridiancu. ca/Good-Sense/News/A-message-from-Bill-Maurin-CEO-on-the-COVID-19. aspx March 11, 2020: MERIDIAN CREDIT UNION BECOMES OFFICIAL SPONSOR OF THE NIAGARA 2021 CANADA SUMMER GAMES VOLUNTEER PROGRAM MORE: HTTPS: //NIAGARA 2021. CA/NEWS/ARTICLE/MERIDIAN-CREDIT-UNION-ANNOUNCEMENT/ § March 10, 2020: Hi Member, We know that due to recent market volatility, Members are concerned about their investments – that’s why we’re reaching out to answer a couple of the big questions. Should I make changes to my portfolio because of coronavirus? Short answer: No. Unless your goals have changed significantly, there’s no reason to change your overall strategy. It’s stressful to see your savings go down, we know. Markets have always had ups and downs – our experts helped design your portfolio with that in mind. No one knows exactly what will happen, but there’s no reason to think that the savings goals you set for five, ten years from now will be affected. More: https: //www. meridiancu. ca/Good-Sense/News/Your-investments-and-COVID-19 -What-you-need-to-kno. aspx § (December 06, 2019) – The doors of Meridian Hall’s Branch Hub opened today. At 234 square feet, the Hub is located in the vestibule of the front foyer of Meridian Hall and combines an open concept space with an office area. Personal Market Report Top 25 Credit Unions 110 Press

Updated Annually % Changes in Share of Total Market Alterna is Canada’s 9 th largest and Ontario’s 2 nd largest credit union with assets of $5. 9 B, 142 k members and 35 locations (Q 2’ 19). % Change in Share 100, 0% Alterna purchased Ottawa Women's Credit Union Oct 2013. Alterna merged with Peterborough Community and Nexus Credit Unions in 2016 operating with the federated credit union model. Merged with Toronto Municipal Employees Credit Union Dec 1, 2018 80, 0% 60, 0% 40, 0% 20, 0% 2014 2015 2016 2017 2018 2019 -20, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Note: Fintech partner – Lendful Financial Personal Market Report Top 25 Credit Unions Strategies in Notes View 111

Updated Annually % Change in Share of Ontario Banks and Credit Unions Alterna % Change in Share 100, 0% 80, 0% 60, 0% 40, 0% 20, 0% 2014 2015 2016 2017 2018 2019 -20, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 18 GK 5 112

Updated Monthly % Changes in Share of Total Market Alterna Bank % Changes in Total Market Share 40, 0% 30, 0% 20, 0% D J'19 F M A M J J A S O N D J F M A M J J A S O N D 10, 0% -20, 0% Demand Total Deposits Total Loans TERM Mtgs Pers Loans Total Loans Personal Market Report Top 25 Credit Unions 18 GK 5 113

Updated Monthly Press Releases § April 7, 2020 Quinte First Credit Union today announced that their members have overwhelmingly approved the merger with Alterna Savings and Credit Union. § (December 4, 2019) – Alterna Savings and Credit Union Limited (Alterna Savings) and Quinte First Credit Union (Quinte First) are thrilled to announce their intent to join together. The two credit unions have signed a Letter of Intent that will see Quinte First become part of Alterna in the Spring of 2020. § August 8, 2019 – Alterna Savings (Alterna), the second largest credit union in Ontario and Top 10 largest in Canada, today announced a successful $50, 000 capital raise. The sale of investment shares was completely sold out in only 60 days. § July 31, 2019 - Alterna Savings and Alterna Bank (Alterna) and the National Lacrosse League (NLL) today announced an exciting new partnership, making Alterna the official and exclusive financial institution for the NLL in Canada. The partnership brings together Canada’s most innovative financial institution and the largest and most successful men’s professional lacrosse league. § (March 28 th, 2019) – At the City Savings & Credit Union Ltd. (City Savings) Annual General Meeting on March 25 th, members voted unanimously to join Alterna Savings and Credit Union Limited (Alterna)! This impressive show of support marks Alterna’s second merger with a Toronto area credit union in less than six months. When the merger closes on April 30, 2019, Alterna will have 35 locations, 166, 000 members, and $8 billion in assets under administration. Personal Market Report Top 25 Credit Unions 114 Press

Updated Annually % Changes in Share of Total Market First. Ontario is Canada’s 14 th largest credit union, 3 rd largest in Ontario with $4. 4 B in assets, 125 K members and 32 locations (Q 2’ 19). First. Ontario % Change in Share 100, 0% First. Ontario purchased Rochdale Credit Union Dec 2013. 80, 0% 60, 0% 40, 0% 20, 0% 2014 2015 2016 2017 2018 2019 -20, 0% -40, 0% -60, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions 115

Updated Annually % Change in Share of Ontario Banks and Credit Unions First Ontario % Change in Share 80, 0% 60, 0% 40, 0% 20, 0% 2014 2015 2016 2017 2018 2019 -20, 0% -40, 0% -60, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 18 GR 5 116

Updated Monthly Press Releases March 4, 2019– First. Ontario Credit Union’s digital banking transition just hit a major milestone. The credit union is the first financial institution in Canada to successfully launch its new website, First. Ontario. com, as part of Forge, a digital banking platform designed by Central 1 using Backbase technology to deliver superior user experience. November 26, 2018– The people of Cayuga don’t have to venture far to enjoy the new great space that was designed specifically with the First. Ontario Credit Union Member in mind. The new branch, located at 39 Talbot Street (literally down the road from the old branch) opens its doors today. The full -service branch comes equipped with several unique spaces to accommodate Members, an inviting waiting area, automated teller machine and additional services including a night deposit box for business owners. July 23, 2018– First. Ontario Credit Union has launched a new subsidiary called First. Ontario Insurance Brokers Inc. Through this move, First. Ontario Credit Union becomes the first credit union in the province to introduce its own insurance brokerage. Earlier this year credit unions in Ontario were granted regulatory approval to own/operate an insurance brokerage. First. Ontario Insurance Brokers, opened for business in July 2018 and offers home and auto insurance. Commercial insurance will be available in the future. Personal Market Report Top 25 Credit Unions 117 Press

Updated Annually % Changes in Share of Total Market Libro is Canada’s 16 th largest and Ontario’s 5 th largest credit union with assets of $4. 0 B, 106 k members and 31 locations (Q 2’ 19). % Change in Share 30, 0% Libro merged with United Communities Credit Union Jan 2014 and Hald-Nor Community Credit Union Aug 2015. 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% -30, 0% Demand Deposits Term Deposits Total Deposits Mortgages Personal Loans Total Personal Market Report Top 25 Credit Unions Strategies in Notes View 118

Updated Annually % Change in Share of Ontario Banks and Credit Unions Libro % Change in Share 30, 0% 20, 0% 10, 0% 2014 2015 2016 2017 2018 2019 -10, 0% -20, 0% -30, 0% -40, 0% Demand Term Total Deposits Mortgages Pers Loans Total Prods Personal Market Report Top 25 Credit Unions 18 GD 5 119

Updated Monthly Press releases April 9, 2020: Libro Credit Union has announced it is ready to help southwestern Ontario businesses access the Government of Canada’s new Canada Emergency Business Account. April 3, 2020: Libro Credit Union has put in place important measures to protect the prosperity of Owners and staff during these challenging times and continues to take action for the public by contributing $320, 000 to Covid-19 Emergency Response Initiatives of local United Ways across southwestern Ontario. March 23, 2020: Libro Credit Union is taking positive action in response to the COVID-19 pandemic. We are establishing a new, temporary structure that will maintain continuity of service while also safeguarding the health of staff, Owners and the public. We are continuing to deliver strong service, just in a different way during this time. These changes will take effect on Tuesday, March 24. We are expanding the number of people who will support phone and message support through the Contact Centre and mobile/online banking. All Owners are encouraged to access services online, mobile, by phone and at ATMs across southwestern Ontario. We are maintaining Owner access, by appointment, to 14 locations spread across southwestern Ontario. Social distancing and the highest standards of hygiene will be observed. We have Coaches working online and on the phone in 17 other locations, ready to answer Owner inquiries and offer support. We are undertaking a massive program of outreach to thousands of Libro Owners in communities across southwestern Ontario, helping them to set and work towards their financial goals – as we always do. ALL staff will remain working for Owners – just doing it differently for now, for everyone’s safety. March 13, 2020: March 13, 2020 -- As the rapidly-changing events surrounding COVID-19 (also known as the novel coronavirus) continue to dominate discussions and media reporting, you, as a Libro Owner, will have many questions. Please know everyone at Libro Credit Union remains committed to providing the best possible service to Owners, and all our locations and services continue to operate. Guided by the advice provided by the government, we are taking sensible precautions against the spread of the virus, including increasing cleaning services at all Libro locations. Remember we do have a wide range of services available online at libro. ca, and, in the interests of public health, please don’t visit a Libro branch in person if you are feeling sick. Thank you for your understanding. Personal Market Report Top 25 Credit Unions 120 Press

Updated Annually % Changes in Share of Total Market DUCA 160, 0% DUCA is Canada’s 15 th largest and Ontario’s 4 th largest credit union with assets of $4. 0 B, 58 k members and 16 locations (Q 2’ 19). 140, 0% DUCA merged with Virtual One Credit Union Jan 2011. % Change in Share 120, 0% 100, 0% 80, 0% 60, 0% 40, 0% 20, 0% 2014 2015 2016 2017 2018 2019 -20, 0% Demand Deposits Term Deposits Total Loans Total Personal Market Report Top 25 Credit Unions Total Deposits Strategies in Notes View 121

Updated Annually % Changes in Share of Ontario Banks and Credit Unions DUCA % Change in Share 160, 0% 140, 0% 120, 0% 100, 0% 80, 0% 60, 0% 40, 0% 20, 0% 2014 2015 2016 2017 2018 2019 -20, 0% Demand Term Total Deposits Total Loans Total Prods Personal Market Report Top 25 Credit Unions 18 GY 12 122

Updated Monthly Press Releases March 16, 2020: Serving our Members with Procedures to Minimize Exposure As COVID-19 dominates the news, I am reaching out to you directly to let you know that DUCA is actively addressing the situation with a focus on the health and safety of you -- our Members, our Employees, and our Communities while minimizing service disruption. Your Credit Union continues to be strong and stable as we continue to evaluate circumstances as they develop and manage them effectively. https: //www. duca. com/about-us/resources/duca-news/update-on-covid-19 -actions-keeping-member-and-staff-safe/ March 12, 2020: Everyday banking in the event of reduced public interactions Acknowledging your concerns: With the recent announcement by the World Health Organization (WHO) confirming that COVID-19 is a pandemic, we understand that health is top of mind lately and that some of you may have concerns about public interaction. We are equally concerned about your health and safety as well as that of our DUCA teams. While, at the time of this communications, the WHO has not changed its assessment of the threat posed by the virus nor has it changed its direction to countries and individuals about health practices, nonetheless, we wish to remind you that you can continue your everyday banking at DUCA without having to be physically present in a branch. https: //www. duca. com/about-us/resources/duca-news/banking-in-event-of-reduced-public-interaction/ November 01, 2018 The DUCA Impact Lab Launches Today With the launch today of the DUCA Impact Lab, DUCA commits to testing and proving new models of banking and finance. DUCA and its partners in this initiative will explore impact financing for the credit challenged, foreign trained professionals in transition, and small entrepreneurs lacking access to cash flow. According to Doug Conick, DUCA President and CEO, "Helping people with their finances is one of the best ways to have a tangible impact on their lives. ” August 16, 2018 was an historic event for DUCA when municipal officers from Mount Albert and the Town of East Gwillimbury — including the Mayor and Councillors — as well as local dignitaries and residents, members of the press, DUCA's Board, Leadership, and teammates all came together to launch DUCA's newest branch. Personal Market Report Top 25 Credit Unions 123 Press

National Personal Market Report Top 25 Credit Unions 124

Updated Monthly Concentra Bank % Changes in Total Market Share 34, 0% Concentra provides wholesale solutions that target capital and liquidity, risk management and the lending/investing needs of credit unions. 24, 0% 14, 0% -6, 0% D J'19 F M A M J J A S O N D J F M A M J J A S O N D 4, 0% -16, 0% -26, 0% Demand TERM Total Deposits Mtgs Pers Loans Total Deps and Lns Personal Market Report Top 25 Credit Unions 125 Press

Updated Monthly Uni Financial Corporation % Changes in Total Market Share 0, 0% D J'19 F M A M J J A S O N D J F M A M J J A S O N D 2, 0% UNI Financial (aka Caisse Populaire Acadienne Ltee) is Canada’s first Federal Credit Union. The Credit Union serves the New Brunswick Acadian community. UNI is Canada’s 13 th largest credit union with assets of $4. 5 B, 145 K members and 52 locations. With assets if $3. 8 B, UNI would rank as Canada’s 9 th largest credit union -2, 0% -4, 0% -6, 0% -8, 0% -10, 0% Demand TERM Mtgs Real Estate Secured Personal Loans Other Personal Loans Personal Market Report Top 25 Credit Unions 126 Press

Updated Quarterly UNI Financial % Change in Share of NB Banks and CUs 15, 0% 10, 0% 5, 0% 0, 0% Q 4 Q 1'17 Q 2 Q 3 Q 4 Q 1'18 Q 2 Q 3 Q 4 Q 1'19 Q 2 Q 3 Q 4 -5, 0% UNI Financial Corporation -10, 0% -15, 0% Demand Term Total Deposits Mortgages Personal Loans Total Deps and Loans Personal Market Report Top 25 Credit Unions Demand Term Total Deposits Mortgages Real Estate Secured Pers Loans Other Personal Loans Total Fin Prods Share of New Brunswick Banks and Credit Unions Q 4'19 % 3 Month % 12 Month % % Change Share Change since Q 3'16 11. 75 -1. 2% -0. 7% 0. 9% 19. 98 1. 3% -3. 4% -12. 1% 14. 88 -0. 2% -1. 8% -5. 8% 10. 62 0. 5% 2. 2% 13. 0% 7. 85 4. 0% 1. 8% -0. 8% 9. 76 11. 75 1. 7% 0. 9% 2. 3% 0. 6% 127 11. 0% 3. 7% Press