Robert Marus and Bill Young announce Vartana.

1. Vartana and Citizens Bank of Canada The Community Banking Initiative

2. Vartana Registered charitable organization devoted to the research and development of financial services to meet the needs of the voluntary sector in Canada. Vartana & Citizens Bank Partnership Citizens Bank of Canada Wholly-owned subsidiary of Vancity Savings Credit Union, Canada’s largest credit union with over 390,000 members and $14 Billion in assets. Citizens is the first, and still, the only bank in Canada with an ethical policy that states our position on key social and environmental issues. Ci tizens Bank was formed to take Vancity beyond the borders of B.C. as a branchless national bank.

3. Our journey to here... Community Banking Initiative

5. Official Launch in January 2009 Focused on the greater Toronto Area (GTA) Utilize our New Front Street Branch opening in December 2008 Community Business Manager will be on the ground in January 2009 National Contact Centre Our success and the opportunities that we experience here in the GTA will drive the expansion of the initiative throughout Ontario and the rest of Canada. The Delivery

6. Community Banking Initiative Questions? Bill Young, Chairperson, Vartana Robert Marus, Manager, Vancity & Citizens Bank