BUSINESS PLAN - Community Business Development Corporations

BUSINESS PLAN

A practical guide to

help you develop a

business plan

• ThisdocumentisalsoavailableinFrench

Need assistance call 1-888-303-2232 CBDCBusinessPlan I1

ContentsTable of Contents

• GettingStarted 2

• StudyingtheMarket 3

• PlanningaBusiness 4

• The Business Plan 5

- Introduction 6

- OwnershipandManagement 7

- Financial 8

- MarketSummary 10

- PersonnelRequirements 12

- ForecastAssumptions 13

- CashFlowfor12-monthperiod 14

- FinancialStatements 16

- ListofExisting&ProposedMachinery, Equipment,Fixtures&Furnishings/ RelatingtoProposedProject 22

- SecurityOffer 23

- EnvironmentalQuestionnaire 24

- SummaryoftheCBDCPrivacyPolicy 25

- AuthorizationforCreditInformation 29

- PersonalBalanceSheet/ ApplicationForFinancing

2 I CBDCBusinessPlan www.cbdc.cawww.cbdc.ca

Studying

Time

How much time do you have to develop yourbusinessidea?Byallowingyourselfenoughtime,you will likely avoid mistakes that could provecostly.

Money

How much money is at your disposal? Mostentrepreneurs discover their businesses requiremore capital than originally anticipated. Theneedforadequatefinancingvariesfrombusinessto business. You should ensure that you haveaccesstoenoughmoneytoallowforallpossiblecontingencies so that you don’t have cash flowproblemsormissopportunities.

Expertise

Doyouhavetheknowledgeandskillsrequiredtomakeasuccessofthisbusiness?Ifnot,itmaybeworthwhile to take somecoursesorwork in theindustryuntilyougaintheknowledgeyouneed.

Risk Tolerance

Howmuchriskisinvolved?Youneedtohonestlyassessyourpersonalityandfinancestodeterminehowmuchriskyoucantolerate.Thismayruleoutsomehigh-riskopportunities.

Financial Return

Canyoumakealivingfromthisbusiness?Somepeoplegointobusinesswithoutaclearideaofjusthowprofitabletheventurewillbe.Takethetimetodetermineifyourbusinessrevenueswilljustifyyoureffortandprovideyouwiththeincomeyouneed.

Enjoyment

Will you enjoy the business? This is a majorconsideration,especiallysinceowningasmallbusiness is often difficult and involves longhours. There will be challenges and roughspots. You will need substantial commitmentandself-sacrificeinthemonthsthatlieahead.

Family Considerations

Will this new business adversely affect yourfamily?Substantialsacrificesintimeandmoneyarerequiredintheearlystagesofanybusiness.Youneedtodeterminewhetheryoursavingsorprofitsfromthebusinesswillprovideyouandyourfamilywithanadequatestandardoflivingespecially in the early stages of the business.Youwillalsoneedtofindouthowcommittedyour family is to the business. For example,will theybeable tocopewith theextrahoursneededtogetasmallbusinessupandrunning?

Professional Guidance

Finally,gettingstartedmeansstartingoutright.Itisimportanttorealizebeforeyoustartoutthattherearemanyimportantdecisionstobemadeinvolving legaland taxation issues, insurance,finance, bookkeeping and accounting, hiringemployees,etc.Thesecanoftenbecomplicatedand difficult to address without specializedexpertise. Consequently, you should consultprofessionals such as: lawyers, accountants,insurance brokers, professional or accreditedfinancial planners, bankers and governmentagents to get the best possible advice and toavoid mistakes that may come back to hauntyoulateron.

Getting StartedTherearemanywaystostartasmallbusinessbuteachapproachsharescommonelementsyouneedtoconsider.

www.cbdc.ca CBDCBusinessPlan I3 Need assistance call 1-888-303-2232www.cbdc.ca

Studying

Although each marketing study is differentbecauseeverybusinessisdifferent,mostseektoanswerthefollowingquestions:

• Whatisthemarketpotentialformy productorservice?

• Whowillmycustomersbe?Howmany unitscanIsell?HowmuchcanIcharge?

• Whowillmysuppliersbeandhow muchwilltheycharge?Whatcredit termsaretheylikelytooffer?

• Whoaremycompetitorsandwhat competitiveadvantagesdoIpossess?

• HowwillIgetmygoodstomarketand howexpensivewillthisbe?

• Willthisbusinessproducealarge enoughprofittojustifythesacrifices whichwillberequired?

Armed with answers to these questions anda properly laid out marketing plan, you willbe inamuchbetterposition todeterminetheviabilityofyouridea.

Getting the information for such a plan isoften quite easy. For instance, one possibletechnique is to interview potential customersor those already in the industry. Trade andindustryassociationscanalsobehelpfulsincetheypossess in-depth informationabout theirindustries.

Manypublicationsanddatabasescanhelpyouassessthepotentialofindustriesandmarkets.(AvisittoyourlocalCBDCisagoodfirststepingettingthisinformation).

Theseplansaredynamicandareonlyhelpfuliftheychangeasyourbusinesschanges.Ratherthanprepareamarketingplanandfileitawayin your desk drawer, you should re-examineyourplanfromtimetotimeinthelightofnewdevelopmentsandmakethenecessarychanges.Yourmarketingplanwillthenguideandsupportyoureffortsonacontinualbasis.

Studying the MarketThefirstthingyouneedtodowhenthinkingaboutstartinganewbusinessistodeterminewhetheryoucanmakeasuccessofit.Thismeansaskingtoughques-tionsaboutthepotentialdemandforyourproducts,howmuchyoucanchargeandwhetherpaybackwillbesufficienttomakeitworthyourwhile.

Thisinformationisprovidedbyamarketingplan.

www.cbdc.cawww.cbdc.ca4 I CBDCBusinessPlan

Planning

Businessplanscontributetothefuturesuccessofabusinessinseveralways.Theyarenecessarywhen seeking loans; they help you measureprogress;andtheytellyouwhereyouaregoingandhowtogetthere.

A business plan usually includes a descriptionof your business and the industry in which itwillfunctionincludingsuppliers,customersandcompetitors,theproductsandservicesyouwillprovide, your price schedules, sales, and yourmarketingandproductionplans.

You will also need to outline the opportunitiesandthreatsfacingyourbusiness,theresourcesyou will require, your expansion plans, andcurrentandprojectedfinancialstatements.

Planning for the Future

Planning iscritical,notonly in theearlystagesof business, but also as your business startsto grow. Continuous planning is necessary tohelpyouavoidsomeof thepitfallswhichoftenaccompanyexpansion.

Oneplanyoumustconsiderishumanresourceplanning - the hiring and management ofemployees.You need to consider how you willfind employees with the skills and trainingneededtomakeyourbusinessasuccess.

You need to be aware of the many legal,regulatoryandtaxrequirementsrelatedtohavingemployees on your payroll. Some of thesefall under provincial jurisdiction and includeemployment standards, minimum wages,workers’compensation,andoccupationalhealthandsafety.

OthersfallunderfederaljurisdictionandincludeEmploymentInsurance,CanadaPensionPlanandIncomeTax.Forfurtherinformation,youshouldcontact the appropriate provincial and federal

government departments or professionalssuchasalawyeroraccountant.

Businessplanningisacontinuousprocess.Nobusiness stays the same for long. Therefore,you need to revise your plan periodically toallow for changing circumstances. This willlet your business plan continue to work foryou. The process of rethinking the plan willforce you to develop new ways of looking atyourbusinessand itsenvironment. Thismayprovide you with new ways of increasingrevenuesorcuttingcosts.

Planning a BusinessOnceyouhavecompletedyourmarketingstudy,youcanuseitasthestartingpointfordevelopingoneofthemostimportantfoundationsofanybusiness-thebusinessplan.

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The Business Plan


Business PlanA. Introduction

1. Name of Company:_____________________________Contact Number: ________________________ NameofApplicant:_______________________________________________________________________ (Please provide photo identification with your application)

2. Is this a new or existing business?

❏ New ❏ ExistingDatebusinessestablished:_______________________

3. Type of Operation:

❏ Manufacturing ❏ Wholesale/Retail

❏ Agriculture ❏ Construction

❏ Aquaculture/Fishing ❏ Transportation

❏ Forestry ❏ Mining

❏ Tourism ❏ Other(Specify)___________________________________________

4. Mailing Address:_________________________________________________________________________ PostalCode:______________

5. Telephone Numbers: Residence:_______________ Cell:______________________________

Fax:______________________E-mail:____________________________

6. Proposed location of business: ____________________________________________________________

7. Legal Form of Business:

❏ Incorporated ❏ SoleProprietorship

❏ Partnership ❏ Co-operative

❏ Tobeincorporated

8. Date Incorporated:___________________________


B. Ownership and Management

1. List of Directors/Shareholders/Key Staff:(Pleaseattachdetailedresumes)

Name Position YearsinBusiness SharesHeld(%) _________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

2. Explain the duties and responsibilities of management and key staff.

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

C. Financial / Legal / Technical

1. Name: Phone Number: (a) Banker LineofCredit$_______________ _____________________________________________

(b)Accountant _____________________________________________

(c)LegalAdvisor _____________________________________________

(d)InsuranceCo./Agent _____________________________________________

(e)FiscalYearEnd _____________________________________________

D. Project Description

1. Briefly describe your business:

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________


2. List the estimated dates for the acquisition of equipment, inventory, staffing, financing, and other items needed before you can commence your project.

Item Estimateddateofacquisition

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

Dateconstructionwillbegin:_______________________________________

Dateoperationswillcommence:____________________________________

E. Financial

1. Use of Funds: Source of Funds:

Land $________ CBDC $________

Building $________ Bank/CreditUnion $________

Equipment $________ ProvincialGovernment $________

Vehicles $________ BDC $________

LeaseholdImprovements$________ ACOA $________

Inventory $________ Other: $________

WorkingCapital $________ Other: $________

Miscellaneous $________ Owner’sContribution $________

Total $________ Total $________

HaveyoueverappliedfororreceivedpreviousassistancefromtheFederalortheProvincial government?Ifyes,pleasedescribe.

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

2. Have any of the assets contributed been pledged as security?

❏ Yes ❏ No

Ifyes,towhom?Forwhatpurpose?

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________


3. Will any part of the owner’s contribution be borrowed?

❏ Yes ❏ No

Ifyes,fromwhom?_______________________________________________________________________

Securitygiven:___________________________________________________________________________

Terms:__________________________InterestRate:_________________

4. Please answer the following questions

a.Haveyoueverbeenorareyouintheprocessofapplyingforprotectionunderthe BankruptcyAct?

❏ Yes ❏ No

b.Haveyoueverbeensuedorbeenthesubjectofanoriginatingnotice?

❏ Yes ❏ No

c.AreyoupresentlytheGuarantorforanyloan?

❏ Yes ❏ No

d.AreyouorthebusinessintaxarrearstoCRA?(HSTandSourceDeductions)

❏ Yes ❏ No

Ifyouansweredyestoanyoftheabove,pleaseprovidedetailsinthespaceprovided __________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

5. Provide quotations for the purchase price of any assets being considered as part of this financing request. __________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________


F. Market Summary

1. Product / Service Applicantsshouldlisteachserviceifmorethanoneisprovided.Provideasmuchdetailas possibleabouttheservice.Ifasimilarserviceexistsinyourtradingarea,describeany advantagesyourbusinessmayhave(i.e.pricing,supplyofrawmaterials,transportation,etc).

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

2. Is your business seasonal?

❏ Yes ❏ No

3. Hours of Operation:______________________________________________

4. Will the business be extending credit? At what terms?

__________________________________________________________________________________________

__________________________________________________________________________________________

5. Typical Customers

Whoareyourcustomers?

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

Age_________ Sex_________ IncomeLevel__________

Willyourclientsbeotherbusinessesorthegeneralpublic?Ifotherbusinesses,namethem.Do youhavelettersofintent?(Providelettersofintentwherepossible.)

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________


6. Trading Area

Willallyourbusinessbegeneratedwithinyourlocalcommunityorwillyourbusinessdraw customersfromsurroundingcommunities?Explain

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

7. Existing Business Competition

Whoareyourcompetitors,wherearetheylocated,andhowlonghavetheybeeninbusiness? StrengthsandWeaknesses?

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

8. Market Justification

Whydoyoufeeltheidentifiedtradingareacansupportyourproposedproject?

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

9. Advertising / Promotion

Howdoyouproposetoadvertiseyourproduct/service?Identifythecostofdoingso.

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

10. Basis of projection

Wasthismarketinformationobtainedfromasimilartypeofoperation,oronthebasisof industrynorms,orsomeothermethod?Explain.

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________


G. Personnel Requirements1. Listdetailsofnewemploymenttobecreated.

❏FullTime______ ❏PartTime______❏Seasonal______

2. Ifthisisanexistingbusinesspleaselistthedetailsofexistingemployment.

❏Full-time______

❏Part-time______

3. Management

Identifythespecificdutiesofkeymanagementpersonnelwithregardstoareassuchas sales,marketing,bookkeeping,etc.Listanypreviousexperiencewhichmaybebeneficialto thisbusiness. __________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

IMPORTANT:Haveyoureceivedthenecessarypermitsorreviewedyoursubmissionwiththeappropriateregulatoryagency(i.e.DepartmentofHealth,FireMarshal,MunicipalDevelopmentDepartment,SocialServices,Forestry,Fisheries,Environment,Tourism,etc.)?Pleaseprovidecopiesofanypermitsrequired.

H. Financial Information(tobeattached)

1. Historical Financial Statements: Enclosestatementforthelastthreeyearsofoperation

2. Pro-Forma Financial Statements:

a. Balance Sheet–Yearlyfortwoyears

b. Income Statement–Yearlyfortwoyears

c. Statement of Cash Flow–Projectedonamonthlybasisforthe

1sttwoyearsofoperations

d. Sales necessary to break-even

e. Ifsoleproprietorpleaseincludeyourpersonalincometaxnoticeofassessmentfor thepastthreeyears


I. Forecast Assumptions

Sales: (Explainhowyouarrivedatsalesfigures:i.e.percentageoftotalmarket,numberofunitssold,sellingprice,salesbyunitoftime–week,month,year,etc.)

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

Material Costs:(Relateddirectlytonumberofunitssold)

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

Salaries / Wages and Benefits:(Pleaselistowner’ssalary/wageseparately)

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

Other expenses: (Statethebasisforamountsshownineachoftheseexpensecategoriesandwhethertheyareestimatesorquotedcosts.Ensureyourinterestandbankchargesreflecttheproposeddebtincludedinyourloanapplication.)

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

Other income: (Clearlyexplainanyitemsinthisareaandstatewhethertheyareextraordinaryorongoing.)

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

_______________________________________________________________________________________

Drawings / Taxes:(Ifthebusinessisnotincorporated,ensureyouincludethetotalamountofcashwithdrawalsbytheproprietororallpartners.Alsoallowfortaxesonprofitsearned.)

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________


Opening Balance

Month1

Month2

Month 3

Month4

Month5

Month6

Month7

Month8

Month9

Month10

Month11

Month12 TOTAL

SALES

1.Sales

2.OtherRevenues

3.TotalSales

RECEIPTS

CASH IN

4.CashSales

5.ReceivablesCollected

6.LoanProceeds

7.OtherReceipts

8.OtherReceipts

9.OtherReceipts

10.TotalCashReceipts

DISBURSEMENTS

CASH OUT

11.CostofGoodsSold

12.Advertising

13.Vehicle(include fuel, maintenance, lease)

14.OfficeSupplies

15.BankServiceFees

16.Insurance (liability, assets, vehicle)

17.ProfessionalFees (legal, accounting, registry)

18.Rent(premises, equipment)

19.Taxes&Licences

20.Telephone

21.Utilities

22.Wages-Employees

23.Benefits-Employees

24.OwnersDrawings/Wages&Benefits

25.RepaymentofTermDebt(P&I)

26.PurchaseofFixedAssets

27.Repairs&MaintenanceandFuel

28.Other

29.Other

30.TotalDisbursements

SUMMARY

31.TotalCashReceipts(line 10)

32.Add:CashPreviousMonth(Line 35)

33.Equals:TotalCashAvailable

34.Less:TotalDisbursements(line 30)

35.Equals:ClosingBankBalance

Prepare Cash Flow for 12-month period


Opening Balance

Month1

Month2

Month 3

Month4

Month5

Month6

Month7

Month8

Month9

Month10

Month11

Month12 TOTAL

SALES

1.Sales

2.OtherRevenues

3.TotalSales

RECEIPTS

CASH IN

4.CashSales

5.ReceivablesCollected

6.LoanProceeds

7.OtherReceipts

8.OtherReceipts

9.OtherReceipts

10.TotalCashReceipts

DISBURSEMENTS

CASH OUT

11.CostofGoodsSold

12.Advertising

13.Vehicle(include fuel, maintenance, lease)

14.OfficeSupplies

15.BankServiceFees

16.Insurance (liability, assets, vehicle)

17.ProfessionalFees (legal, accounting, registry)

18.Rent(premises, equipment)

19.Taxes&Licences

20.Telephone

21.Utilities

22.Wages-Employees

23.Benefits-Employees

24.OwnersDrawings/Wages&Benefits

25.RepaymentofTermDebt(P&I)

26.PurchaseofFixedAssets

27.Repairs&MaintenanceandFuel

28.Other

29.Other

30.TotalDisbursements

SUMMARY

31.TotalCashReceipts(line 10)

32.Add:CashPreviousMonth(Line 35)

33.Equals:TotalCashAvailable

34.Less:TotalDisbursements(line 30)

35.Equals:ClosingBankBalance


Forecasted Income Statement – OpeningIncome: %

Sales $_______________ ____________

OtherRevenue $_______________ ____________

TOTAL SALES $_______________ ____________

LESS:CostofSales $_______________ ____________

GROSS PROFIT

(TotalSales–CostofSales) $_______________ ____________

Expenses:

Advertising…….................… $_______________ ____________

Vehicle…...…................…….. $_______________ ____________

OfficeSupplies….............…. $_______________ ____________

BankServiceFees…............. $_______________ ____________

Insurance…………................ $_______________ ____________

ProfessionalFees….............. $_______________ ____________

Rent…..…………................... $_______________ ____________

Taxes/Licenses..................... $_______________ ____________

Telephone…….......................$_______________ ____________

Utilities…......................……. $_______________ ____________

Wages/Benefits.................…$_______________ ____________

Owner’sDraw....................…$_______________ ____________

InterestonDebt................….$_______________ ____________

Depreciation….................…..$_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

TOTAL EXPENSES $_______________ ____________

Net Profit (Loss) $_______________ ____________(Gross Profit – Total Expenses)


Forecasted Income Statement – Year OneIncome: %

Sales $_______________ ____________

OtherRevenue $_______________ ____________

TOTAL SALES $_______________ ____________


GROSS PROFIT


Expenses:

Advertising…….................… $_______________ ____________

Vehicle…...…................…….. $_______________ ____________

OfficeSupplies….............…. $_______________ ____________


Insurance…………................ $_______________ ____________


Rent…..…………................... $_______________ ____________

Taxes/Licenses..................... $_______________ ____________

Telephone…….......................$_______________ ____________

Utilities…......................……. $_______________ ____________

Wages/Benefits.................…$_______________ ____________

Owner’sDraw....................…$_______________ ____________

InterestonDebt................….$_______________ ____________

Depreciation….................…..$_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

TOTAL EXPENSES $_______________ ____________



Forecasted Income Statement – Year TwoIncome: %

Sales $_______________ ____________

OtherRevenue $_______________ ____________

TOTAL SALES $_______________ ____________


GROSS PROFIT


Expenses:

Advertising…….................… $_______________ ____________

Vehicle…...…................…….. $_______________ ____________

OfficeSupplies….............…. $_______________ ____________


Insurance…………................ $_______________ ____________


Rent…..…………................... $_______________ ____________

Taxes/Licenses..................... $_______________ ____________

Telephone…….......................$_______________ ____________

Utilities…......................……. $_______________ ____________

Wages/Benefits.................…$_______________ ____________

Owner’sDraw....................…$_______________ ____________

InterestonDebt................….$_______________ ____________

Depreciation….................…..$_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

Other:…………...................… $_______________ ____________

TOTAL EXPENSES $_______________ ____________



Forecasted Balance Sheet – OpeningASSETS:

CURRENTASSETS:

Cash……………………………………………………………........….$___________

AccountsReceivable..………………………………………....…….$___________

Inventory……………………………………………………….......…. $___________

PrepaidExpenses……………………………………………....…….$___________

OtherCurrentAssets…………………………………………....…… $___________

TOTAL CURRENT ASSETS (A) $___________

FIXED ASSETS:

Land……………………………………………………………….........$___________

Building………………………………………………………….......… $___________

Furniture/Fixtures..……………………………………………......…..$___________

Vehicles……………………………………………………….......……$___________

Equipment……………………………………………………......……$___________

OtherAssets…………………………………………………….....….. $___________

TOTAL FIXED ASSETS (B) $___________

TOTAL ASSETS (A+B) $___________

LIABILITIES:

CURRENTLIABILITIES:

BankIndebtedness……………………………………………....……$___________

AccountsPayable&AccruedLiabilities…………………….……. $___________

IncomeTaxPayable……………………………………………....….. $___________

OtherLiabilities……………………………………………….....…… $___________

TOTAL CURRENT LIABILITIES (C) $___________

LONG TERM DEBT:

Mortgages………………………………………………………....….. $___________

LoansfromShareholders….……………………………....…..….. $___________

OtherLongTermDebt…………………………………………....….. $___________

TOTAL LONG TERM DEBT (D) $___________

TOTAL LIABILITIES……………………………………………......(C+D) $___________

Shareholders/Owner’sEquity...………………………………….(E) $___________

TotalLiabilities+Shareholders/Owner’sEquity…..……(C+D+E) $___________

NOTE: (A+B) = (C+D+E)


Forecasted Balance Sheet – Year OneASSETS:

CURRENTASSETS:

Cash……………………………………………………………........….$___________


Inventory……………………………………………………….......…. $___________




FIXED ASSETS:

Land……………………………………………………………….........$___________

Building………………………………………………………….......… $___________


Vehicles……………………………………………………….......……$___________

Equipment……………………………………………………......……$___________

OtherAssets…………………………………………………….....….. $___________



LIABILITIES:

CURRENTLIABILITIES:






LONG TERM DEBT:

Mortgages………………………………………………………....….. $___________









Forecasted Balance Sheet – Year TwoASSETS:

CURRENTASSETS:

Cash……………………………………………………………........….$___________


Inventory……………………………………………………….......…. $___________




FIXED ASSETS:

Land……………………………………………………………….........$___________

Building………………………………………………………….......… $___________


Vehicles……………………………………………………….......……$___________

Equipment……………………………………………………......……$___________

OtherAssets…………………………………………………….....….. $___________



LIABILITIES:

CURRENTLIABILITIES:






LONG TERM DEBT:

Mortgages………………………………………………………....….. $___________









List of Existing & Proposed Machinery, Equipment, Fixtures & Furnishings, Relating to Proposed Project

Item No. Quantity

Description(Include manufacturer’s name,

machine capacity, etc.)

Model No.

Year of Mfg. Purchase

Purchase Price

Remarks(e.g. condition of equipment, etc.)

** Attach manufacturer’s specifications, brochures, etc. wherever possible


LAND

Location

TypeofDistrict

Zoning

Services

Dimensions

PurchasePrice

DateofPurchase

BUILDING

Type

Dimensions(m.)

Area(sq.m.)

Basement

NoofStories

Mostrecentappraisal

EqUIPMENT ItemNo.QuantityModel#DateofPurchase

OTHER

Personalguarantee(s)

Security Offer


Environmental QuestionnaireLOCATION:__________________________________________________________________________________

DESCRIPTION:_______________________________________________________________________________

PLEASEGOTHROUGHBOTHCHECKLISTSBELOWANDCHECKANYACTIVITIESTHATARELIKELYTOOCCURINTHEPROPOSAL.

PART 1: CHECKLIST OF EXCLUSIONS:Istheprojectrestrictedtoonlythefollowingelements oractivities?(Checkwhereappropriate)

❏Purchaseofofficeequipmentorequipment foraplantthatdoesnotproducegas,liquid orsolidemissions

❏Developmentoftechnologyinanexisting laboratoryorfactory

❏Studies(Marketingstudies,feasibility studies,etc.)

❏MarketingActivities

❏Placingatraineeorworkerwithanexisting business

❏Productivity

❏Modernizationofabuilding (includesexpansionlessthan10%or installationofkitchenequipmentfor restaurantorinn)

❏Constructionofabuilding,lessthan100 squaremetersandlessthan5metreshigh, morethan30metresfromawaterbodyor theocean

❏Resurfacingorpavingofanexistingroad

PART 2: CHECKLIST OF ACTIVITIES: Doestheprojectincludeanyofthefollowingelementsor activities?(Checkwhereappropriate)

❏Waterorsewerorsewagetreatmentplant (butnothookupstoexistingsystems)

❏Roadconstruction(butnotpavingofexisting roads)

❏Constructionofabridgeorculvertovera waterway

❏Constructionofabuilding,warehouseor plantoranextensiongreaterthan10%of anexistingstructure

❏Constructionorearthmovingonsteepslopes

❏Grubbingorexcavationofsoilsor contaminatedsoils

❏Workwithin30metresoforinawaterbody (pond,lake,river,stream,estuaryorocean)

❏Workwithin30metersoforinawetland (bog,fen,marsh,swamp,saltmarsh)

❏PermitfromDepartmentofFisheries&Oceans

❏Clearingofland

❏Constructionorrenovationofalaboratory

❏Storageoruseoffuels,chemicalsor flammablegoodsordecommissioningof astoragesite

❏ Industrialemissionstotheair(butnot domesticheatingfurnaces)

❏ Industrialwaste(liquidorsolid)

❏Wharfconstruction

❏Dredging,disposalofdredgedmaterialor shorelineinfilling

❏Rivercleanuporriverimprovement

❏Mining

❏Ecotourism(boattours,whalewatching, canoeoutfitting,adventuretourism)

❏ Itisalineardevelopment(road,trails,power line,pipeline,submarinecable)

❏ Itisadjacenttoaheritagesite(Nationalor ProvincialPark,wildliferefuge,historicsite)

Signature:____________________________Date:__________________

Consent to electronic mail useI, the undersigned, consent to the CBDC’s use of electronic mail to transfer or disclose my personal information, including my financial information to a third party. I understand that email is not entirely secure and that copies of my personal information may be kept by myself or the CBDC’s internet service provider.

Signature:____________________________Date:__________________

Name(pleaseprint):___________________________________________


Summary of the CBDC Privacy Policy

TheCBDCsofAtlanticCanadarecognizetheimportanceofprivacyandthesensitivityofpersonalinformation.Wehaveanobligationtokeepconfidentialallinformationbywhichyoucanbeidentified.Wearecommittedtoprotectinganypersonalinformationwehold.ThisPrivacyPolicyoutlineshowwemanageyourpersonalinformationandsafeguardyourprivacy.

Your Privacy Rights

SinceJanuary1,2004,allbusinessesengagedincommercialactivitiesmustcomplywiththePersonalInformationProtectionandElectronicDocumentsAct(PIPEDA).ThePIPEDAconfirmsyourrightsconcerningtheprivacyofyourpersonalinformation.TheCBDCsareresponsibleforthepersonalinformationwecollect,useanddisclosuretoothers.Toensureouraccountability,theCBDCshavedevelopedthisPolicy,implementeddocumentsecuritymeasuresandtrainedourdirectorsandstaffaboutourpoliciesandpractices.ThisPolicyrecognizesandisincompliancewiththefollowingtenPrivacyPrinciplessetoutinPIPEDA:

1. ACCOUNTABILITY: Anorganization isresponsibleforpersonalinformation underitscontrolandshalldesignatean individualorindividualswhoare accountablefortheorganization’s compliancewiththefollowingprinciples. 2. IDENTIFYING PURPOSES:Thepurposes forwhichpersonalinformationis collectedshallbeidentifiedbythe organizationatorbeforethetimethe informationiscollected. 3. CONSENT:Theknowledgeandconsent oftheindividualarerequiredforthe collection,useordisclosureofpersonal information,exceptwheninappropriate. 4. LIMITING COLLECTION:Thecollection ofpersonalinformationshallbelimited tothatwhichisnecessaryforthe purposesidentifiedbytheorganization. Informationshallbecollectedbyfairand lawfulmeans.

5. LIMITING USE, DISCLOSURE, AND RETENTION:Personalinformationshall notbeusedordisclosedforpurposes otherthanthoseforwhichitwas collected,exceptwiththeconsentofthe individualorasrequiredbythelaw. Personalinformationshallberetained onlyaslongasnecessaryforfulfilmentof thosepurposes. 6. ACCURACY:Personalinformationshall beasaccurate,complete,andup-to-date asisnecessaryforthepurposesforwhich itistobeused. 7. SAFEGUARDS:Personalinformationshall beprotectedbysecuritysafeguards appropriatetothesensitivityofthe information. 8. OPENNESS:Anorganizationshall makereadilyavailabletoindividuals specificinformationaboutitspolicies andpracticesrelatingtothemanagement ofpersonalinformation. 9. INDIVIDUAL ACCESS:Uponrequest,an individualshallbeinformedofthe existence,useanddisclosureofhis personalinformationandshallbegiven accesstothatinformation.Anindividual shallbeabletochallengetheaccuracy andcompletenessoftheinformationand haveitamendedasappropriate.10. CHALLENGING COMPLIANCE:An individualshallbeabletoaddressa challengeconcerningcompliancewiththe aboveprinciplestothedesignated individualorindividualsforthe organization’scompliance.

What personal information do we collect?

Personalinformationincludesanyinformationthatidentifiesyou,orbywhichyouridentitycouldbededuced.Weneedthisinformationprimarilyinordertoprovidelendingservicestoourclients.

Why CBDCs Need Personal Information.

CBDCsprovideservicesandproductstoawiderangeofclients.Indoingso,wemayfromtimetotimedistributematerialsconcerningtheseservicesandnewdevelopmentsrelevanttoyourbusiness.


Ourprimarypurposeforcollectinginformationisinordertoassistyou.Yourpersonalinformationisusedforpurposesincluding,butnotlimitedto,assistanceinthepreparationofbusinessplans;businessconsultations;creditreviews;analysisofloaneligibility;directpayment/withdrawal;preparationoflegaldocuments;completionofquarterlyreports;assessmentanddeterminationsastonetworth;determiningeligibilityforvariousfundingprogramsandsources,etc.

Use of Your Information

Weuseyourpersonalinformationtoprovideadviceandservicestoyou,andtoincludeyouinanydirectmarketingactivities.Ifyounolongerhavealoanwithus,andtellusthatyounolongerwishtoreceiveinformationaboutourservicesorotherwise,wewillremoveyoufromourmailinglist.

How do we collect your personal information?

Wecollectinformationonlybylawfulandfairmeansandnotinanunreasonablyintrusiveway.Whereverpossible,wecollectyourpersonalinformationdirectlyfromyou,beginningwiththeapplicationforandloanandcontinuingthroughoutthelifeoftheloanifitisapproved.

Sometimes,weobtaininformationaboutyoufromothersourceswhichmayinclude:

• yourbankorcreditunion;

• yourinsurancecompany;

• yourrealestateagentinaproperty transaction;

• governmentagenciesorregistries;

• youremployer;

• yourlawyer;

• youraccountant;

• creditreportingagencies(Trans-Union andEquifax)

• outsideConsultants.

Consent

Inmostcases,wewillaskyoutoprovidewrittenconsent,toallowtheCBDCtocollect,use,ordiscloseyourpersonalinformation.Bysigninganapplicationforaloan,werecognizethisasyourconsenttoourcollecting,usinganddisclosingtheinformationreferredtointheApplicationinordertoprocesstheloanassessment.Normally,weaskforyourconsentinwriting,butinsomecircumstances,wemayacceptyouroralconsent.Yourconsentmayalsobeimpliedthroughyourconductwithus.

Disclosure of your Personal Information

TheCBDCdoesnotdiscloseyourpersonalinformationtoanythirdpartytoenablethemtomarkettheirproductsandserviceswithoutyourwrittenconsent.Wearerequired,however,todiscloseinformationtocertaingovernmentorganizationsincludingAtlanticCanadaOpportunitiesAgency(ACOA)andHumanResourcesandSkillsDevelopmentCanada(HRSDC).Inaddition,theCBDCwilldiscloseyourpersonalinformationwhen:

• requiredorauthorizedbylawtodoso;

• youhaveconsentedtothedisclosure;

• Itisnecessaryinordertoestablishor collectsumsowingtous; • weengageathirdpartytoprovide administrativeservicestous(like computerback-upservicesorarchivalfile storage);

• theinformationisalreadypubliclyknown.Inaddition,wewilldiscloseyourpersonalinformationtothirdpartiesinordertofacilitatethegrantingofaloan.Anexampleisabankofficeractinginconnectionwiththeloanandthesecuritybeingtakentosupportit.Inthoseinstances,yourconsentwillbeimpliedbyyoursigningtheLoanApplicationandwewillreleasetheinformationunlessyouadviseusotherwiseinwriting.


Retention of your Personal information

TheCBDCsreceivefundingfromtheAtlanticCanadaOpportunitiesAgency(ACOA),HumanResourcesSkillsDevelopmentCanada(HRSDC)andcertainothergovernmentorganizations.Thetermsofouragreementswiththoseorganizationsrequirethatwemaintaintheinformationthatwecollectforaperiodofnotlessthan7yearsfromthedatethatanapplicationisrejectedortheloan,ifgranted,isrepaid.

Updating Your Information

Sinceweuseyourpersonalinformationtoprovideservicestoyou,itisimportantthattheinformationbeaccurateandup-to-date.Ifduringthecourseofourdealings,anyofyourinformationchanges,pleaseinformussothatwecanmakeanynecessarychanges.IftheCBDCholdsinformationaboutyouandyoudemonstratethatitisnotaccurate,completeandup-to-date,theCBDCwilltakereasonablestepstocorrectanyerrors.

Is My Personal Information Secure?

TheCBDCstakeallreasonableprecautionstoensurethatyourpersonalinformationiskeptsafefromloss,unauthorizedaccess,modificationordisclosure.Amongthestepstakentoprotectyourinformationare:

• premisessecurity(lockeddoorsand securefilecabinets); • restrictedaccesstopersonalinformation; • deployingtechnologicalsafeguardslike securitysoftwareandfirewallstoprevent hackingorunauthorizedcomputeraccess; • internalpasswordandsecuritypolicies.

Access to Your Personal Information

Youmayrequestaccesstoanypersonalinformationheldinyourfile.Summaryinformationisalsoavailableonrequest.Wemayseektobereimbursedforcopyingchargesifyourequirecopiesofyourpersonalinformation.

Can I be denied access to my personal information?

Yourrighttoaccessyourpersonalinformationisnotabsolute.Wemayberequiredtodenyaccesswhen:

• denialofaccessisrequiredorauthorized bylaw; • grantingaccesswouldhavean unreasonableimpactonotherpeople’s privacy; • theinformationisprotectedbysolicitor- clientprivilege; • yourpersonalinformationcannotbe severedfromanother’spersonal information.

Ifwedenyyourrequestforaccessto,orrefusearequesttocorrectinformation,weshallexplainwhy.

Credit Bureaus

Tohelpusmakecreditdecisionsaboutclients,preventfraud,andchecktheidentityofnewclients,wemay,onoccasion,requestinformationaboutyoufromthefilesofconsumerreportingagencies.

Communicating with Us

Youshouldbeawarethate-mailisnota100%securemedium,andyoumustbeawareofthiswhencontactingustosendpersonalorconfidentialinformation.

Changes to this Privacy Policy

SincetheCBDCregularlyreviewsallofitspoliciesandprocedures,wemaychangeourPrivacyPolicyfromtimetotime.


Your Privacy Practices

DuringthecourseofconsideringyourapplicationandanysubsequentrelationshipbetweenourCBDCandyourbusiness,youmayprovideuswithpersonalinformationthatiswithinyourcontrol.WerelyonyoutoensurethatyouhavecompliedwiththeprovisionsoftheProtectionofPrivacyandElectronicDocumentsActandanyotherapplicablelegislationorrequirementsbeforereleasingthatinformationtous.Bysigningbelow,youareconfirmingthatyouhavecompliedwiththeserequirementsandareauthorizedtoprovideuswiththeinformationwerequire.

Name: _____________________________________

Date: _____________________________________

Name: _____________________________________

Date: _____________________________________


AUTHORIZATION FOR CREDIT INFORMATION

TheCommunityBusinessDevelopmentCorporationmaycollectcreditandotherfinancially-relatedinformation(includinginformationrelatedtomytransactionandthoseofmybusiness)aboutmeandthebusiness(“information”)frommeandthebusiness,fromservicearrangementseitherofushasmadewithorthroughtheCommunityBusinessDevelopmentCorporation,fromcreditbureaus,otherfinancialinstitutions,othercreditors,notereceivableaccountsandfromreferenceseitherofushasprovidedtoyou;

a) TheCommunityBusinessDevelopmentCorporationmayuseinformationasfollows:

• Togivecreditbureaus,otherfinancialinstitutionsandotherpartiesthattheCommunity BusinessDevelopmentCorporationmaydeemappropriate. • Todeterminemyfinancialsituationorthefinancialsituationofthebusiness;and • ForanypurposerelatedtotheprovisionofservicesrequestedfromtheCommunity BusinessDevelopmentCorporation.TheCommunityBusinessDevelopmentCorporation mayalsogiveittoanyemployeeormemberoftheCommunityBusinessDevelopment Corporationbutonlyasitrelatestotheprovisionofservicesorthemanagementofmy businessaccount.

b)TheCommunityBusinessDevelopmentCorporationmayalsouseinformationforthefollowing purposes: • TopromotetheCommunityBusinessDevelopmentCorporationservicestomeandthe business,and • Tousemysocialinsurancenumberasanaidtoidentifymewiththecreditbureausand otherfinancialinstitutionsforfilematchingpurposes.

WheneitherofusceasestobeaclientoftheCommunityBusinessDevelopmentCorporation,theCommunityBusinessDevelopmentCorporationmaykeepinformationinitsrecordsolongasisneededforthepurposedescribedin(a)above.

Note:InthisAuthorizationforCreditInformation“Business”,“us”and“our”meanthebusinessentitywhosenameand/ordescriptionappearinsectionAoftheApplicationforAssistance.Thisshallinclude,butnotbelimitedto,anyoperatingname,variation,revisionorsuccessortothenamelistedintheApplicationforAssistance.“I”,“me”,and“my”meantheowner/partnersigningtheApplicationforAssistance.

TheApplicationforAssistancewhichcontainstheBusinessInformationmustbesignedbytheauthorizedsigningofficer(s)fortheBusinessANDbytheowner/partnerwhosepersonalinformationiscontainedinthesameApplicationforAssistance.

IftheBusinesshasmorethanoneowner/partner,eachadditionalowner/partnermayberequiredtosignaseparateApplication.

Signature:___________________________________

Name&Title:________________________________

Date:________________________________________

Signature:___________________________________

Name&Title:________________________________

Date:________________________________________

www.cbdc.cawww.cbdc.ca30 I CBDCBusinessPlanManual

Please list two people, not residing with you, who may be contacted for references.

1. Name:___________________________________________________________________________________ Address:_________________________________________________________________________________

Business:_________________________________Telephone:__________________________________

2. Name:___________________________________________________________________________________ Address:_________________________________________________________________________________

Business:_________________________________Telephone:__________________________________

APPLICANT’S DECLARATION

I,theundersigned,declarethatalltheaboveinformationistrue,correctandcompletewithno materialfactsknowntomeomittedandthatIamanauthorizedagentofthebusinessapplying forassistance,andhavenotbeenabletoobtaintherequestedfundingfromconventional lendersatreasonableterms.

Signature:___________________________________ Name:_______________________________________ Date:________________________________________

www.cbdc.cawww.cbdc.ca

PERSONAL BALANCE SHEET / APPLICATION FOR FINANCING

Inwhichofficiallanguagedoyouprefertoreceivecorrespondence?❏English❏French Dateofapplication:

Haveyouapprochedyourfinancialinstitutiontoobtainfinancingonreasonabletermsandconditions?❏Yes❏No

Ifyes,where? Whatisthestatus?1.Pending2.Turneddown3.Approved4.Conditional

PurposeofLoan AmountofLoanRequested TermRequired

LastName FirstName MiddleName(s) SocialInsuranceNumber DateofBirth

PhoneNumber()

Home()

Business()

Cellular()

Fax()

Email

HomeAddress(Street)(City)(PostalCode) ❏Own

❏Rent$

Howlongatthisaddress? Yrs:Mos: Name,AddressandTel.oflandlord(ifrenting)

PreviousAddress(iflessthan3yrsatpresentaddress)

PresentEmployer Address JobStatus:1Permanent2Temporary3SeasonalWorker4PartTime5NoJob

JobTitle Description Phone Since Salary

PreviousEmployer(iflessthan3yrswithpresent) Address JobStatus:1Permanent2Temporary3SeasonalWorker4PartTime5NoJob

JobTitle Description Phone Since Salary

Othersourcesofincome: Amountperyear:$permonth:$

Details:

MaritalStatus:❏Married❏Divorced❏Widowed

❏Single❏Separated❏CommonLaw

Numberofdependants(ExcludingSpouse)

Spouse’sSurname Spouse’sfirstandmiddlename(s) SocialInsuranceNumber DateofBirth

Spouse’sEmployer Address Phone Since Salary

Phone# JobTitle Description JobStatus:1Permanent2Temporary3SeasonalWorker4PartTime5NoJob

IF MARRIED OR COMMON LAW INCLUDE ASSETS AND LIABILITIES OF BOTH

ASSETS LIABILITIESCash Demand/TermLoans Monthlypayment

$ $ $

$ $ $

Investments CreditCard/Personallineofcredit Monthlypayment

$ $ $

$ $ $

Household&Personal MortgageLoans Monthlypayment

$ $ $

$ $ $

LifeInsurance(CashSurrenderValue) $

Automobile CurrentValue

Year Model

$

$

PersonalResidence

$

OtherRealEstate$

$

OtherLiabilities

$

OtherAssets Subtotal $

$

TOTALASSETS $ TOTALLIABILITIES $

Details: NETVALUE(ASSETS-LIABILITIES) $

TOTAL $

www.cbdc.ca

Haveyoueverhadanassetrepossessed? ❏Yes ❏No DoyoucarryLifeInsurance?

Haveyoueverdeclaredbankruptcy? ❏Yes ❏No ❏Yes ❏No

Areyoupartytoanyclaimsorlawsuits? ❏Yes ❏No IfYes,Amount$

Doyouoweanytaxespriortothecurrentyear? ❏Yes ❏No Isthisa,❏Cashvalueor❏Term

BUSINESS INFORMATIONIfyoucurrentlyown,orrepresent,anexistingbusinessthatisapplyingforfinancing,pleasecompletethefollowing:

CompanyName BusinessPhone#()

Fax#()

Cellular#()

CivicAddress MailingAddress MajorActivityoftheBusiness

Homebasedbusiness? Fiscalyearend BusinessStatus

Howlonghaveyoubeeninbusiness? YearEstablished Full-time

PreviousAddress(iflessthan3yrsatpresentaddressandhowlong) WebAddress Part-time

EmailAddress Seasonal

❏Proprietorship❏Partership❏Incorporated❏TobeIncorporated❏Nonprofit

Name Address PhoneNumber FaxNumber

Lawyer

Accountant

Banks

Isthebusinessprovidingsupportforobligationsnotlistedonitsfinancialstatement? ❏Yes ❏No

Isthebusinesspartytoanyclaimorlawsuit? ❏Yes ❏No

Hasthebusinesseversoughtlegalprotectionfromitscreditors? ❏Yes ❏No

Doesthebusinessoweanystatutorycreditors?❏Yes❏No(eg. HST, payroll remittance’s, income tax, WCB, employment standards…)

IfYes,amountowed:$_________________________

Owedto:_____________________________________

Detailsontheabove:

Shareholders/PartnersNames Percentageownership Partnership Percentageownership

Iunderstandthatinordertoprocessmyapplication,theCBDCrequiresmypersonalinformation.Iherebyconsenttothisinformationbeingcollected,usedbytheCBDCanddisclosedtothirdparties,including,butnotlimitedto,Banks,CaissesPopulairesorCreditUnions,creditreportsagencies,insurancecompanies,lawyers,provincialand/orfederalgovernment,accountants,businessconsultants,trainingconsultantsandaffiliatedCBDCs,forthepurposeoffacilitatingtheassessmentandapprovalofmyapplication,aswellasfacilitatingpaymentofloans,determiningmyeligibilityforassistanceprograms,andprovidingmewithinformationabouttraininganddevelopmentopportunities.IacknowledgehavingreceivedacopyoftheSummaryoftheCBDCsPrivacyPolicy.IauthorizetheCBDCtokeepmypersonalinformationinmyfileforaperiodof7yearsafterthelasttransactioninmyfile.I,theundersigned,consenttotheCBDC’suseofelectronicmailtotransferordisclosemypersonnalinformation,includingmyfinancialinformationtoathirdparty.IunderstandthatemailisnotentirelysecureandthatcopiesofmypersonalinformationmaybekeptbymyCBDC’sInternetserviceprovider.

Our Privacy Policy is available on our website at www.cbdc.ca

Signature Signature

PleasePrintName PleasePrintName

Date Date

www.cbdc.ca