Michael James VP Commercial Banking, RBC. Patrick Murphy Senior Account Manager, EDC. Julia Lee Account Manager, BDC

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3 Michael James VP Commercial Banking, RBC Patrick Murphy Senior Account Manager, EDC Julia Lee Account Manager, BDC

4 Contract signing 9 months Delivery 60 days Final payment Risk of non-payment (70%) Security guarantee (performance) Time Direct foreign investment Canadian or foreign supplier Financing for work in progress Risk of non-payment (15%) Security guarantee (advance payment) Cash flow Currency conversion risk Buyer financing Political risk insurance Pre-contract period Manufacturing period Credit period Guarantee period 4

5 Royal Bank of Canada (RY on TSX and NYSE) and its subsidiaries operate under the master brand name RBC. We are one of Canada's largest banks as measured by assets and market capitalization, and are among the largest banks in the world, based on market capitalization. We are one of North America's leading diversified financial services companies, and provide personal and commercial banking, wealth management services, insurance, corporate and investment banking and investor services on a global basis. We employ approximately 80,000 full- and part-time employees who serve more than 15 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 49 other countries.

6 RBC is a trusted world leader, with extensive international trade experience. We offer credit and trade finance services designed to help you grow your business, by bringing goods into Canada and selling your products in world markets.

7 Our Trade Services Centre executes all trade transactions, handling all letters of credit, guarantees and documentary collections for our clients. Our trade advisors consult on a variety of services to facilitate your international trade transactions. We will: Help reduce a wide range of risks associated with foreign buyers Extend payment terms to your clients on your behalf Provide you with a wealth of local market information in foreign countries

8 Our mission Help create and develop Canadian businesses through financing, venture capital, and consulting services, with a focus on small and medium-sized enterprises. Our Mandate: Be a complementary lender in the market to other traditional financing institutions Fill the market gaps and maximize financing opportunities Operate on a commercial basis; i.e. be financially sustainable BDC s Role global competitiveness Maximize the benefits that your business can draw from international trade, partnerships and/or investment.

9 Developing new markets & market entry strategies Optimizing global supply chains Enhancing operational efficiency Increasing innovation initiatives Helping to forge partnerships Assisting in foreign direct investments and Canadian direct investment abroad Our Consultants Bring: Expertise to identify opportunities and strategic actions that will be prioritized to mitigate risks (ROI driven) Experience in different industries A network of contacts around the world

10 Working capital to develop local/ international markets, contacts and distribution networks and R&D Market Xpansion Loan up to $100,000; unique repayment features Expansion financing solutions to purchase foreign assets and equipment and access working capital Financing to purchase commercial real estate and equipment Subordinate financing as a strategic alternative to support projects such as intangible asset financing, working capital for growth, and business acquisitions at the domestic and international levels Information and communications technology financing

11 Canada s Export Credit Agency Crown corporation wholly owned by Government of Canada Financially self-sustaining Operate on commercial principles 11

12 Partnering with EDC means you can say yes more often even to companies that might otherwise not qualify EDC s solutions let you take on the business without taking on all the risk 12

13 Operating Line of Credit Term Loan Direct Lending Support Standby Letter of Credit or Letter of Guarantee Foreign Exchange Contracts ARI Accounts receivable Insurance PRI Political Risk Insurance EGP Export Guarantee Program PSG Performance Guarantee Program FXG Foreign Exchange Guarantee 13

14 For all of these solutions you can count on us because we (RBC, BDC and EDC) have a strong history of working together 14

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