Proof:Employee Engagement

=Business Success

Objectives1. A Little About Me2. The Story of Coast Capital Savings3. Our Challenge4. Helpful Tips5. Have Fun

Who I Am

Flashback to 2002• Traditional business perspective• No single vision of the future • No unified culture• Low morale• Disengaged employees

Start fresh, be bold

Yes from Coast to coast.

Simple financial help

®

The Challenge

Help Develop 2000 Brand Ambassadors

Helpful Tip # 1

Keep It Simple

Synergy

A great name for a stripper, but meaningless otherwise

Helpful Tip # 2

Laugh

“Hair”

“Flexwise”

Helpful Tip # 3Trust

Values• We have a passion for innovation• We engage in spirited teamwork• We help our customers, communities & each other

“CEO’s Office”

Put Your Money Where Your Values Are

Helpful Tip # 4

Play & Have Fun

A Good Citizen• Transparency and Accountability• Ethical Business Practices• Progressive Employee Development• Democratic Governance• Healthy Financial Practices• Environmental Awareness• Community Support

How do you put a face to a company?

“A Little Later in the CEO’s Office”

Helpful Tip #5:

Get Results

Happy Employees2008 Employee Survey

89% are engaged and satisfied with Coast Capital Savings• Feel they have a fulfilling role• Motivated to do their best• Know how and what they do contributes to the

overall success of organization• Are proud to be part of the organization• Are committed to the organization’s objectives• Are passionate and enthusiastic about their jobs• Feel involved

Innovative Products & Services• Free Chequing• Aperio• One Small Fee and the Rest Is Free Account• Big Perks for Small Business Account• Haggle Free• Mobile Banking• High Interest, No-Fee Savings Account

Customer Growth & Satisfaction

• Customer growth increased from 290,000 in 2002 to more than 400,000 in 2008

• Responsible for 2/3 of net customer growth in BC credit union system

• 400 new customers per month walk through each aperio™

• 650 new chequing accounts opened each week

• 80% of customers are satisfied

Total Assets Under Administration

$0

$2,000

$4,000

$6,000

$8,000

$10,000

$12,000

2002 2003 2004 2005 2006

$M

2007 2008

Financials

69.578.5Operating Efficiency

$52 million $26 millionNet income

$287.8 million$184.5 millionTotal revenue

20082002

Recognition• Innovator in Credit Union Industry• 50 Best Managed Companies (Platinum status)• 50 Top Employers in BC

Helpful Tip #6:

Give out Free Stuff and Ask®