90123155 coop

WHY CHOOSE THE CAISSES POPULAIRES ACADIENNES? We use the strength of cooperation to provide our members with a wide range of financial services, and to contribute to the economic and social development of their communities.

Money generated and shared right here.

And you are the owners!

The advantages of your financial co-operative.

WE ARE NOT A BANK. HERE IS PROOF. The Caisse populaire acadienne

The bank

Is a financial services cooperative that belongs to its members.

Is a private establishment, profiting shareholders.

Doing business with the Caisses populaires acadiennes means having access to a wide physical network and a state-of-the art Internet network.

HAVE YOUR SAY AND THE POWER TO ACT.

n 51 business locations operated by 15 caisses, an unequaled presence in 47 communities in New Brunswick.

Invites members to participate in their caisse's Annual General Meeting and run for the position of elected officer.

Invites shareholders to attend the bank's Annual General Meeting.

One member = One vote

One share = One vote

Gives back a portion of its surplus earnings to its members and community through individual member dividends.

Gives a portion of its profits to a group of shareholders through dividends.

Find out more at:

n Approximately 10 institutions offering a

www.acadie.com

comprehensive range of financial services.

n 1000 dedicated employee.

OUR MISSION

90124155

To give a better quality of life to our members, all the while taking part in the socioeconomic independence of New Brunswick’s Acadian community, respecting its linguistic identity and cooperative values.

THE CAISSES POPULAIRES ACADIENNES BELONGS TO YOU!

3. ONE VOTE PER MEMBER RATHER THAN ONE VOTE PER SHARE

5. MEMBER DIVIDENDS RATHER THAN SHAREHOLDER DIVIDENDS

You are among the 155,000 member-owners of the Caisses populaires acadiennes and their affiliates.

As owner of their co-op, each member has the right to vote, regardless of the size of their financial portfolio. Bank customers don’t have that advantage: only shareholders take part in decision-making and they can’t weigh in equally in these decisions because they only have as many votes as the number of shares they hold.

In a bank, a portion of the profits is paid in dividends to shareholders, who are a minority of individuals. Caisse populaires acadiennes members receive a portion of the surplus (profits) in the form of dividends according to the annual results of their caisse. Dividends are paid to members in proportion to their use of the financial services offered at their co-op. The caisses also return a portion of their surplus to their community in the form of collective dividends.

IT IS THE LARGEST ACADIAN FINANCIAL INSTITUTION.

A FEW GOOD REASONS TO CHOOSE THE CAISSES POPULAIRES ACADIENNES

1. THE BEST MEMBER SERVICES, OPEN TO ALL PERSONS, WITHOUT DISTINCTION The caisse aims first and foremost to meet the financial needs of its members rather than generating profit for a limited number of investors. The caisse welcomes every person without distinction, regardless of the extent of their financial resources. It provides them with services tailored to their needs, gives them sound advice and support, regardless of their situation.

Améliorer la qualité de vie de ceux

2. THE MEMBERS ARE THE OWNERS OF THEIR FINANCIAL SERVICES CO-OP The caisse belongs to its members, who can attend the annual general meeting and elect Board members among themselves. A bank doesn’t allow clients to take part in decisionmaking nor does it allow them to join decisionmaking bodies, which is the privilege of a small number of people: the shareholders.

4. ELECTED OFFICERS, REPRESENTATIVES OF MEMBERS AND THEIR COMMUNITIES Members of a caisse can apply to be on the Board of Directors of their financial services co-op. If they are elected, they can either join the Board of Directors or various other committees in charge of addressing specific issues, and can also be asked to represent their caisse or their region in other decision-making bodies of the Mouvement des caisses populaires acadiennes. n Over 200 elected leaders take part in the management and development of the Caisses populaires acadiennes; control is always ensured by members of the community.

n Members and local communities have shared more than $20 million in individual and collective dividends over the past five years (2010-2014).

6. THE SEARCH FOR PROFITABILITY, BUT WITH A DIFFERENT OBJECTIVE Any business has to be profitable in order to last.

That’s why the Caisses populaires acadiennes must also match prices and market conditions. However, each caisse maintains profitability not for the benefit of a small number of people, but to ensure its development and to ensure quality services to its members. By maintaining good financial health, each caisse is able to: n Provide financial support for the socio-economic development of the community.

7. A DIFFERENT KIND OF SOCIAL INVOLVEMENT, A REAL CONTRIBUTION TO THE SOCIO-ECONOMIC DEVELOPMENT OF COMMUNITIES The Caisses populaires acadiennes have existed for nearly 80 years. Faithful to their mission, the caisses have always provided financial support to their community and today, this support takes on various forms: donations, sponsorships and scholarships. Here are just a few examples of our commitment: n The sponsorship of over 1000 local, regional and provincial organizations annually. n Partnerships with various organizations promoting the development of communities. n The awarding of scholarships to over 2,450 students of the community to help them pursue their postsecondary education. n The Lire, découvrir et grandir literacy program helps support children learn how to read, because today’s children are the builders of tomorrow and they carry the destiny of their community. Since 2005, more than 15,000 children aged 4 to 8 years have benefited from the program by receiving reading kits, books and albums.

To learn more, consult our Publications section.