2015 Annual Report

Uncomplicated Banking 2015 Annual Report to Members

Contents Uncomplicated Banking............................................................................................................................................................................................................1 Vision, Mission & Values.............................................................................................................................................................................................................2 Governing for Today, Planning for Tomorrow....................................................................................................................................................................3 Planning with a Purpose............................................................................................................................................................................................................4 Board Committees.......................................................................................................................................................................................................................5 Supporting Our Communities.................................................................................................................................................................................................6 Providing Exceptional Service.................................................................................................................................................................................................7 Leadership in Technology.........................................................................................................................................................................................................8 Products & Services.....................................................................................................................................................................................................................9 2015 Financial Highlights....................................................................................................................................................................................................... 10 FINANCIAL STATEMENTS Independent Auditor’s Report.............................................................................................................................................................................................. 11 Summary Balance Sheet......................................................................................................................................................................................................... 12 Summary Statement of Comprehensive Income.......................................................................................................................................................... 13 Summary Statement of Changes in Members’ Equity................................................................................................................................................. 14 Summary Statement of Cash Flows.................................................................................................................................................................................... 15 Notes to Summary Financial Statements......................................................................................................................................................................... 16

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Our mission is simple — to ensure that the advice we provide is trustworthy, the products delivered are leading edge, and the service offered is exceptional enough to result in rewarding member experiences. Nothing else matters because the advantages of uncomplicated banking are at the heart of the relationships we have with our members.

Uncomplicated Banking

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Vision, Mission & Values Vision: As the future unfolds, we will continue to enrich the well-being of our members and the communities we serve.

Mission: To fulfill our members’ financial needs with trustworthy advice, market-leading products, and exceptional service that creates rewarding member experiences.

VALUES: Our People Delivering exceptional member service is the focus of every employee.

We invest in our employees’ growth by providing in-depth training and a diversity of career development opportunities.

Caring for Our Community We support programs, events and initiatives that enhance our community.

Building and Moving Forward We embrace change and achieve success by anticipating our members’ financial needs, leveraging advanced technologies and delivering sound financial solutions.

Financial Strength Within the framework of the co-operative philosophy, we are committed to achieving sustainable growth through prudent management of our financial resources.

Members

Leadership Governing for Today, Planning for Tomorrow Managing growth and financial stability in the face of an unsteady economy requires careful planning and strong leadership. In 2015, we took a deliberate and disciplined approach to governing growth and keeping our credit union in a financially stable position. As a result of our efforts and the loyalty of our membership, Casera is moving forward while anchored on a firm financial foundation.

We are living in an era when technology is evolving, and there are now many different ways of conducting transactions.

While we continue to support traditional banking methods that many of our members are comfortable using, we proudly embrace new technologies, which our members are utilizing at an ever-increasing rate. For example, in 2015, we implemented Deposit Anywhere, an online feature that allows members to deposit cheques quickly and securely via their mobile devices. We also improved our delivery of service by refreshing our brand, redeveloping our website, caseracu.ca, and launching a complementary website focused on promoting financial literacy.

Casera’s member demographics remain a broad-based strength. Our membership is evenly spread over different age groups with over 25 per cent under the age of 30. This distribution bodes well for Casera’s future, as our members’ need for financial services will vary as their financial positions change.

During the year we refined our vision and mission statements, making them more applicable to our evolving demographics and the changing nature of our industry. We identified that providing market-leading products and rewarding member experiences are primary aims, but we also reaffirmed our commitment to serve members with trustworthy advice.

The principle of face-to-face service founded on personal relationships remains the hallmark of our business.

We celebrate Casera’s 65th anniversary in 2016. By earning the trust of our membership, our credit union continues to succeed. It takes hard work to develop long-lasting relationships, and we have always relied on our staff’s professional expertise and personal warmth to build loyalty between Casera and its members. This effort remains as true today as it did in 1951 and we look forward to continued success based on these tried and true principles.

We would like to thank our dedicated team of employees for their ongoing efforts to serve our members. As well, thank you to our members for their loyalty and support.

We foresee another successful year in 2016.

Brent Thomas Chief Executive Officer

The opening of Lancer Credit Union at Dakota Collegiate reinforces our ongoing commitment to young people.

Lancer Credit Union joins our other youth branch, Transcona Collegiate’s Titan Credit Union, in educating high school students about financial literacy.

Brent Thomas (L), Robert Riddell (R).

Robert Riddell President, Board of Directors

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Planning with a Purpose An unstable worldwide economy invites unease nationally and provincially, but a focused long-term plan and a steady course has helped Casera maintain its strong financial position. The Board of Directors’ dedication to developing and implementing sound strategies that require action, not reaction, has kept the credit union stable and growing in a changeable economic climate.

Governing growth depends on a disciplined approach, but overseeing a vibrant credit union also demands flexibility. This balance of determination and adaptability manifests itself in Casera’s member-focused strategy of creating an environment for our staff to provide exceptional service and for our members to have their financial needs met in a rewarding way.

In today’s financial services industry, there is a fine line between maintaining traditional banking methods and implementing new technologies. Casera’s Board has been steadfast in its embrace of technology, but it is also committed to ensuring that personalized service remains the bedrock of our credit union’s connection to members.

Brand Developments In 2015, Casera refreshed its brand with a new logo and signage. As well, we took advantage of opportunities inherent in the new generation of online technologies by revitalizing our website – www.caseracu.ca – and complementing it with a content-driven marketing website. Our members now have access to a set of more informative, user-friendly and engaging websites.

Purpose

Youth Branch Launched Casera’s second youth branch, Lancer Credit Union, opened in November at Dakota Collegiate. The student-run organization is modeled after Titan Credit Union, the award-winning youth branch that we developed in partnership with Transcona Collegiate in 1997.

Foundation Board Committees

In 2015, Casera’s Board met regularly under the leadership of President Robert Riddell. They worked together and in groups on five sub-committees — Executive, Audit, Policy, Risk Oversight and Nominating — and their determined efforts were instrumental in strengthening our financial foundation.

Executive Committee Robert Riddell (Chairperson), Barbara Anderson, B. Hoeppner, Jason Whittaker The Executive Committee governs Casera between board meetings and works closely with management to ensure the credit union’s overall success.

Audit Committee Barry Hoeppner (Chairperson), Martin Johnson, Jason Whittaker, Stephen Zurawecki As the liaison between Casera’s auditors and Board, the Audit Committee focuses on financial disclosure, internal controls, risk management and the integrity of the audit process.

Policy Committee Martin Johnson (Chairperson), Dave Abel, Barbara Anderson, Beverly Lafrance The Policy Committee oversees Casera’s policies, evaluates sound business practices and recommends changes to bylaws and policies.

Risk Oversight Committee Dave Abel, (Chairperson), Barbara Anderson, Barry Hoeppner, Beverly Lafrance Martin Johnson, Robert Riddell, Brian Walker, Jason Whittaker, Stephen Zurawecki The Risk Oversight Committee reviews Casera’s risk assessment and ensures integration of the enterprise risk management program into the Board’s strategic planning.

Nominating Committee Beverly Lafrance (Chairperson), Barry Hoeppner, Brian Walker The Nominating Committee ensures member inclusion in Casera by identifying, interviewing and recommending director candidates, and coordinating board elections.

Meetings Held Board meetings...................................................................................11 Planning meetings............................................................................... 2 Committee meetings: Executive............................................................................................. 5 Policy..................................................................................................... 2 Audit...................................................................................................... 3 Nominating......................................................................................... 1 Risk......................................................................................................... 4 Total meetings held in 2015............................................................28

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Supporting Our Communities Over the course of 2015, Casera was involved in a wide range of community-focused events and activities. The support we offered community schools, local organizations, and area recreational programs went a long way to helping enhance the neighbourhoods where our members live and work.

We maintained our long-term support for important community initiatives such as Save Our Seine, Walk With L’Arche, Transcona BIZ, Transcona Historical Museum, and United Way of Winnipeg. Other organizations that benefited from our participation and sponsorship were the Dream Factory, Manitoba Mutts, Christmas Cheer Board, and Transcona Railer Express.

Supporting the education of youth in our communities has long been one of Casera’s key initiatives. In 2015, we awarded 12 bursaries to deserving students in seven area high schools. We also proudly partnered with Louis Riel School Division and Dakota Collegiate to open Lancer Credit Union.

A Month of Dreams Throughout March, Casera staff and members helped raise funds for The Dream Factory’s Month of Dreams campaign. With their $2 donations, members wrote their dreams on paper clouds, which we displayed in our branches. All money raised went toward fulfilling the dreams of children struggling with lifethreatening illnesses.

Recognizing Our Support At a special event, Casera’s ongoing support for the Transcona Historical Museum was acknowledged. The plaque thanks us for preserving and promoting Transcona’s stories, history, and community spirit.

Saving Our Seine We continued our long-term support of Save Our Seine (SOS) in 2015. Our sponsorship of the River Keepers, part of the group’s summer Green Team Program, helped SOS clean and conserve the Seine River. We also contributed to the development of an urban rain garden in St. Vital that stores and filters storm water from a parking lot before it drains into the river.

Communities

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People

Providing Exceptional Service All our staff members understand that nothing is more important to our ongoing success than engaging warmly with our members, answering their questions promptly and accurately, and offering them trustworthy and beneficial advice.

While our members increasingly use technology to conduct their day-to-day banking, there is no denying they still appreciate being able to pick up the phone or drop by their neighbourhood branch to talk directly with one of our experienced staff. Throughout 2015, we worked hard to provide wide-ranging financial solutions to our members and their families.

Our ability to meet our members’ needs not only with technology, but also through the proven process of relationship banking is proof that Casera is striving to provide its members with exceptional service that creates rewarding experiences.

(L-R) Kathy Lemky, Manager, St. Anne’s Road branch; Jason Klassen, Manager, Kildare Avenue branch; Brent Thomas, Chief Executive Officer; Nicole Riedle, Manager, Plessis Road branch (Nicole joined Casera’s management team in 2016).

Casera’s Staff* Corporate Office: Nicholas Boudreau Jennifer Fokeer Shaylene Hurl Evelyn Kouk Beverley Self Serena Streilein Brent Thomas Courtney Vanden Berg Plessis Road Branch: Gail Armstrong Ashley Barnes Heather Dufresne

Caleigh Elder Karen Genung Cari Goncalves Tara Gutoski Ashley Guy Jodie Hare Robyn Hiller Scott Hosfield Jayme Marien Derek Nazarkiewicz Ryan Oliveros Nicole Riedle Brian Sebastian Katlyn Sinclair

Sharon Slater Cindy Smith Mitchell Stanley Marianne Unruh Tara Wingfield Kildare Avenue Branch: Elaine Banman Mia Cecilio Krista Gmiterek Karen Hainstock Terry Jones Jason Klassen Elyne Marion

Jonathan Olsen Kim Podolsky Teresa Smith Donna Waslenko Meaghen Willim Breanne Wynnobel Allen Wong St. Annes Road Branch: Karen Baxter Kristen Burton Lorelei Cochrane Jaclyn Girouard Aser Hailu

Taylor Hirmann Heather Koniak Helen Kroker Kathy Lemky Lindsay Salonius

*As of March 31, 2016

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Leadership in Technology The pace of technology in the financial services industry continues to increase, and our timely implementation of new technologies keeps us in a leadership position in the marketplace. In 2015, we rolled out Deposit Anywhere,™ Casera’s app-based product that enables members to take a photo of a cheque and with a few clicks on their Apple or Android mobile device, deposit the amount automatically and securely into their account.

We also launched Casera Financial, an online branch that helps broaden our reach beyond traditional neighbourhoods. The new technology, designed to engage new members, makes it easy for anyone, regardless of where they live, to electronically make deposits at Casera.

To boost our presence in the online world, Casera unveiled a redesigned website that is clearer and easier to navigate. As well, we launched a complementary website to caseracu.ca that features engaging stories and vignettes about Casera’s products, services, and technologies.

Virtual Branch Casera Financial is an online banking site designed for new members. Designed to expand our market reach, Casera Financial lets new members make deposits to high yield savings and term deposits, wherever they live.

Snap & Send Deposit Anywhere™ lets members deposit cheques quickly and securely by taking a photo of the cheque and sending it directly to Casera via a mobile device. Free and easy to use, the new technology is a popular addition to our expanding line of online and mobile services.

Technology

Solutions

Products & Services Deposit Accounts MAXIMIZER® Chequing Accounts e-Chequing PLAN 24® Daily Interest Savings Accounts Regular Savings Accounts High Yield Savings e-Savings FAT CAT® Accounts HEADSTART® Accounts HEADSTART® Grad Pac Accounts Club 55 Accounts Trust Accounts U.S. Dollar Accounts Business Accounts

Lending Products & Services Mortgages Personal Loans Mortgage Life Insurance* Credit Disability & Credit Life Insurance* Overdraft Protection Lines of Credit Commercial Loans

Investment Products & Services Term Deposits Tax-free Savings Accounts (TFSAs) Registered Retirement Savings Plans (RRSPs) Registered Retirement Income Funds (RRIFs)

Registered Education Savings Plans (RESPs) Investment Planning Mutual Funds** Credential Direct Online Brokerage***

Online & Mobile Banking Services CU@HOME® Casera CU Mobile Deposit Anywhere™

Small Business Online Banking Go Mobile Mobile Web Direct Alerts

Additional Services e-Statements MEMBER CARD® Debit Cards Drive-thru and In-branch ATMs INTERAC Direct Payment† Direct Deposits (payroll, pension and government) Money Orders Travellers Cheques INTERAC e-Transfer† American Express U.S. Drafts Bill Payments MasterCard Executor EASE Safety Deposit Boxes Night Depository Travel & Homeowners Insurance*

* Mortgage Life, Credit Disability, Credit Critical Illness and Credit Life Insurances are underwritten by CUMIS Life Insurance Company. Homeowners Insurance is underwritten by CUMIS General Insurance Company. Travel Insurance is underwritten

by Co-operators General Insurance Company. These services are provided to credit union members through the Credit Union Insurance Services Program. ** Mutual funds are offered through Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence. *** Credential Direct® is a division of Credential Securities Inc., and operates as a separate business unit. Credential Securities Inc. is a Member of the Canadian Investor Protection Fund. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence. ® ACCULINK, FAT CAT, HEADSTART, MAXIMIZER, PLAN 24, CU BY PHONE and CU@HOME are registered trademarks, MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license. † Trade-mark of Interac Inc. Used under license. ™ MemberDirect Design and ®MemberDirect are trade-marks owned by Credit Union Central of Canada, used under license.

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2015 Financial Highlights Strength

Loans

Net income was $1,749,739 for the year, compared to $1,893,339 in 2014.

Member loans at December 31, 2015 were $324,299,018, an increase of 4.56% from $310,148,198 in 2014. There was no major change in our loan mix with residential mortgages representing 81.17% of our loans portfolio. Loans represented 89.98% of assets at December 31, 2015.

Equity Our equity position was further strengthened by $1,698,499 to reach total equity of $22,592,986.

Dividend A total of $120,100 was paid out as a share dividend, bringing the total dollar amount paid to members, to date, over $3.7 million.

Assets Assets grew by $15,652,387 or 4.54% to reach $360,381,570 at December 31, 2015.

Expenses

A provision for impaired loans was set up for $34,038, with the allowance for doubtful loans at $160,580, down from $182,411 in 2014. Loans written-off were $55,869 compared to $32,499 in 2014.

Deposits Member deposits at December 31, 2015 were $334,625,116 an increase of 4.66% from $319,728,725 in 2014. There was no major change in our deposit mix with the majority of member deposits held in term deposits and registered plans.

Gross operating expenses increased by 0.32% to $6,041,331 compared to $6,022,273 in 2014. Our efficiency ratio was 74.46% compared to 72.59% in 2014.

In Focus

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Report of the Independent Auditor on the

Summary Financial Statements To the Members of CASERA CREDIT UNION LIMITED The accompanying summary financial statements, which comprise the summary balance sheet as at December 31, 2015, and the summary statement of comprehensive income, summary statement of changes in members’ equity and summary statement of cash flows for the year then ended, are derived from the audited financial statements of CASERA CREDIT UNION LIMITED for the year ended December 31, 2015. We expressed an unmodified audit opinion on those financial statements in our report dated March 28, 2016.

The summary financial statements do not contain all the statements and disclosures required by International Financial Reporting Standards. Reading the summary financial statements, therefore, is not a substitute for reading the audited financial statements of the Credit Union.

Management’s Responsibility for the Summary Financial Statements Management is responsible for the preparation of a summary of the audited financial statements on the basis described in Note 1 to the summary financial statements.

Auditor’s Responsibility Our responsibility is to express an opinion on the summary financial statements based on our procedures, which were conducted in accordance with Canadian Audit Standard (CAS) 810, ‘Engagements to Report on Summary Financial Statements’.

Opinion In our opinion, the summary financial statements derived from the audited financial statements of CASERA CREDIT UNION LIMITED for the year ended December 31, 2015 are a fair summary of those financial statements, on the basis described in Note 1 to the summary financial statements.

Chartered Accountants Winnipeg, Manitoba March 28, 2016

BDO Canada LLP, a Canadian limited liability partnership, is a member of BDO International Limited, a UK company limited by guarantee, and forms part of the international BDO network of independent member firms.

BDO Canada s.r.l., une société canadienne à responsabilité limitée, est membre de BDO International Limited, société de droit anglais, et fait partie du réseau international de sociétés membres indépendantes BDO.

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Casera Credit Union Limited

Summary Balance Sheet 2015 2014

December 31

ASSETS Funds on hand and on deposit Other assets Investments Loans to members Property, plant and equipment Intangible assets

$ 2,796,867 $ 1,489,611 29,401,305 324,299,018 1,607,875 786,894 $ 360,381,570 $

3,738,861 1,177,349 27,327,821 310,148,198 1,594,052 742,902 344,729,183

LIABILITIES AND MEMBERS’ EQUITY Borrowings Income taxes payable Other liabilities Members’ deposits Deferred income tax liability Members’ shares

$ 1,648,484 $ 30,546 858,309 334,625,116 390,000 236,129 337,788,584

2,838,407 67,855 625,798 319,728,725 394,000 179,911 323,834,696

Members’ Equity Members’ shares Retained earnings

3,989,716 18,603,270 22,592,986 $ 360,381,570 $

3,927,233 16,967,254 20,894,487 344,729,183

Approved on behalf of the Board of Directors:

_____________________________________ Director

_____________________________________ Director

The accompanying notes are an integral part of these summary financial statements.

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Casera Credit Union Limited

Summary Statement of Comprehensive Income 2015 2014

For the year ended December 31

REVENUE Interest on loans to members Lines of credit $ 788,372 $ 904,633 Term loans 1,775,148 1,835,813 Real estate 8,819,709 8,768,085 Investment income Liquidity deposits 404,099 418,228 CUCM shares 38,850 37,717 Debenture 40,346 40,461

11,866,524 12,004,937

COST OF FUNDS Interest paid to members 6,436,491 6,254,557 Interest on borrowings 54,080 124,950

6,490,571 6,379,507 Gross financial margin 5,375,953 5,625,430

OPERATING EXPENSES Personnel 2,507,901 2,577,593 Administrative 1,877,762 1,831,010 Occupancy 1,100,137 1,066,172 Members’ security 303,810 323,981 Organizational 245,344 219,646 Distributions to members 6,377 3,871 Gross operating expenses 6,041,331 6,022,273 Less other income 2,737,488 2,670,770

3,303,843 3,351,503

Gross operating income 2,072,110 2,273,927 Provision for impaired loans 34,038 80,043 Income before income taxes 2,038,072 2,193,884 Provision for income taxes 288,333 300,545 Net and total comprehensive income for the year $ 1,749,739 $ 1,893,339

The accompanying notes are an integral part of these summary financial statements.

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Casera Credit Union Limited

Summary Statement of Changes in Members’ Equity For the year ended December 31, 2015

Members’ Shares Retained Earnings Total Balance on December 31, 2013 $ 3,204,633 $ 15,204,044 $ 18,408,677 Net income for the year — 1,893,339 1,893,339 Distributions to members — (130,129) (130,129) Issue of members’ shares 1,051,693 — 1,051,693 Redemption of members’ shares (273,461) — (273,461) Transfer from liabilities (55,632) — (55,632) Balance on December 31, 2014 $ 3,927,233 $ 16,967,254 $ 20,894,487 Net income for the year Distributions to members Issue of members’ shares Redemption of members’ shares Transfer to liabilities Balance on December 31, 2015

$

— — 268,583 (149,882) (56,218) 3,989,716 $

1,749,739 1,749,739 (113,723) (113,723) — 268,583 — (149,882) — (56,218) 18,603,270 $ 22,592,986

The accompanying notes are an integral part of these summary financial statements.

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Casera Credit Union Limited

Summary Statement of Cash Flows 2015 2014

For the year ended December 31

CASH FLOWS FROM OPERATING ACTIVITIES Net income for the year $ 1,749,739 $ 1,893,339 Adjustments for Interest and investment revenue (11,866,524) (12,004,937) Interest expense 6,490,571 6,379,507 Depreciation expense 403,270 399,595 Provision for impaired loans 34,038 80,043 Gain on disposal of property, plant and equipment — (252) Deferred taxes (4,000) (9,000)

(3,192,906) (3,261,705)

Change in other assets and liabilities (79,751) 61,560 Change in income taxes payable 293,313 308,295

213,562 369,855

Changes in member activities (net) Change in loans to members (14,205,809) (9,918,594) Change in members’ deposits 14,925,435 17,226,312

719,626 7,307,718

Cash flows related to interest, dividends, and income taxes Interest received on loans to members 11,404,180 11,508,723 Interest received on investments 493,226 477,322 Interest paid on members’ deposits (6,465,535) (6,090,301) Interest paid on borrowings (54,080) (124,950) Income taxes paid (330,622) (430,717)

5,047,169 5,340,077 Total cash flows from operating activities 2,787,451 9,755,945 CASH FLOWS FROM INVESTING ACTIVITIES Redemption of investments (583,415) Purchase of property, plant and equipment (261,592) Purchase of intangible assets (199,493) Proceeds on disposal of property, plant and equipment — Total cash flows from investing activities (1,044,500) CASH FLOWS FROM FINANCING ACTIVITIES Issue of common, surplus and preference shares Redemption of common and surplus shares Dividends on shares Total cash flows from financing activities

268,583 (149,882) (113,723) 4,978

18,915 (94,427) (210,647) 252 (285,907) 1,051,693 (273,461) (130,129) 648,103

Net increase (decrease) in cash and cash equivalents 1,747,929 10,118,141 Cash and cash equivalents, beginning of year 25,900,454 15,782,313 Cash and cash equivalents, end of year $ 27,648,383 $ 25,900,454 Comprised of the following: Funds on hand and on deposit $ 2,796,867 $ Credit Union Central of Manitoba liquidity deposits 26,500,000 Credit Union Central of Manitoba borrowings (1,648,484)

$ 27,648,383 $ The accompanying notes are an integral part of these summary financial statements.

3,738,861 25,000,000 (2,838,407) 25,900,454

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Casera Credit Union Limited

Notes to Summary Financial Statements For the year ended December 31, 2015

1. Basis of Presentation Management is responsible for the preparation of summary financial statements. The summary presented includes only the summary balance sheet, summary statement of comprehensive income, summary statement of changes in members’ equity and summary statement of cash flows. It does not include any notes to the financial statements. The summary balance sheet, summary statement of comprehensive income, summary statement of changes in members’ equity and summary statement of cash flows are presented in the same detail as the audited financial statements except the note referencing has been removed.

Copies of the December 31, 2015 audited financial statements are available at the Credit Union’s head office at 1300 Plessis Road, Winnipeg Manitoba or online at www.caseracu.ca.

2. Compliance with Minimum Capital and Liquidity Requirements The Credit Union is in compliance with the capital and liquidity reserve requirements at December 31, 2015 established by the Regulations to The Credit Unions and Caisses Populaires Act of Manitoba.

Readers of the summary financial statements are advised that in order to appropriately interpret the Credit Union’s capital and liquidity, the reader must refer to the audited financial statements including notes for the year ended December 31, 2015, which contain the information detailing the calculations.

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1300 Plessis 204-958-6300 | 8-630 Kildare 204-958-6320 720 St. Anne’s 204-958-6600 | www.caseracu.ca