A GROWTH & INCOME OPPORTUNITY

FORWARD-LOOKING STATEMENTS

This presentation contains forward-looking statements that reflect expectations of

management regarding the future growth, results of operations, performance, prospects

and opportunities of Accord Financial Corp. Readers are cautioned not to place undue

reliance on forward-looking information. All statements other than statements of

historical fact contained or incorporated by reference herein are forward-looking

statements and are often, but not always, identified by the use of words such as “seek”,

“anticipate”, “plan”, “continue”, “estimate”, “may”, “will”, “project”, “predict”,

“potential”, “targeting”, “intend”, “could”, “might”, “should”, “believe”, and similar

expressions. Such forward-looking statements reflect management’s current beliefs and

are based on information currently available to management. Forward-looking

statements involve significant risks and uncertainties. A number of factors could cause

actual results to differ materially from the results discussed in forward-looking statements.

Although the forward-looking statements contained or incorporated by reference herein

are based upon what management believes to be reasonable assumptions, Accord

Financial Corp. cannot assure investors that actual results will be consistent with these

forward-looking statements.

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COMPANY SNAPSHOT AT OCT. 29, 2015

• Stock Symbol TSX:ACD

• Price: $10.30

• EPS: $1.00 (trailing 12 mths: Oct. 1/14 – Sept. 30/15)

• Adjusted EPS: $1.12 (trailing 12 months)

• Dividend Yield: 3.5% (dividend: 9.0 cents/qtr.)

• P/E: 10.3 (based on trailing 12 months EPS)

• Adjusted P/E: 9.2 (based on trailing 12 months Adjusted EPS)

• P/B: 1.2 (based on book value per share of $8.38 @ 9/30/2015)

• Shares Outstanding: 8,307,713 (no dilutive options o/s)

• 52-Week High/Low: $12.05/$9.00

• Market Capitalization: $86 Million

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ABOUT US

Accord Financial Corp. is a leading North American provider of asset-based financial services to small and medium sized companies, providing the working capital these firms need to grow and succeed.

Accord’s services include asset-based lending (“ABL”) (including factoring), lease and equipment financing, credit protection and receivables management, as well as supply chain financing for importers. “Keeping Business Liquid” is what we do.

Accord has been in existence for 38 years. It has approximately 100 employees in Canada and U.S.

Experienced management and a strong Board of Directors.

Accord operates four finance companies in North America: three in Canada and one in the U.S. In Canada it operates: (i) an asset-based lending (ABL) (including factoring) subsidiary; (ii) a credit protection and receivables management subsidiary; and (iii) a lease/equipment financing and working capital lending company. Its U.S. subsidiary specializes in ABL, including factoring.

Client industries are numerous and include manufacturing, distribution, retail, financial and professional services, importers and exporters. The increasing popularity of the Accord brand provides our operating companies with consistent deal flow.

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WHAT WE DO: KEEPING BUSINESS LIQUID

Accord serves the SME market, primarily, companies with annual revenue of $1 million to $100 million.

The profile of a typical company that comes to us features one or more of the followingcharacteristics:

• the unavailability of traditional bank financing for a variety of reasons (lack of profitability, weak balance sheet, etc.)

• the need for working capital financing in excess of that normally available from a bank

• the need for credit protection for their receivables

• the need for equipment or other capital financing

The need for financing is typically driven by:• rapid growth

• turn-around time needed after one or two “down” years

• funding required for an acquisition

• management buy-out.

The inability of banks to adequately serve the SME market is the single biggest reason forAccord’s success.

Contrary to the banks’ public pronouncements that they are ready and able to serve the SME market, the truth is they do not have the infrastructure or desire to do so.

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ACCORD’S FINANCIAL SERVICES

ASSET-BASED LENDING

Accord’s asset-based lending serves companies of all sizes across North America. Our flexible ABL solutions allow clients to unlock working capital from their accounts receivable, inventory and equipment. Accord also provides financing solutions to other lending companies, enabling them to grow more quickly than they would with more traditional funding. Nearly 40 years of superior service combined with exceptional financial strength makes us a most reliable finance partner for companies positioning for their next phase of growth.

CREDIT PROTECTION & RECEIVABLES MANAGEMENT

Accord is one of North America’s most experienced firms providing complete receivables management services. For nearly 40 years we have served small-and medium sized businesses with flexible, cost-effective, risk-free credit guarantees and collection services. With complete coverage of the U.S. and Canada, and strong alliances worldwide, we have the knowledge, expertise and connections to deliver superior results across all industries.

LEASE FINANCING

Accord finances equipment for small- and medium-sized business, serving a broad base of Canada’s most dynamic industries, from forestry and energy to construction and manufacturing. Our success has been built on our commitment to supporting SMEs directly and on our strong relationships with regional and national equipment vendors. Like all of our services, we’re proud to provide a flexible approach to financing business that may be underserved by the major banks.

INTERNATIONAL TRADE FINANCING

Since 1978, Accord has been a leader in cross-border trade, simplifying supply chain finance for importers and exporters. Our unique AccordOctet program provides trade financing for North American companies sourcing goods anywhere in the world, while our alliance with Factor Chain International facilitates seamless credit and collection services through a network of more than 265 banks and trade finance firms in 75 countries worldwide.

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EXPERIENCED MANAGEMENT

Ken Hitzig, Toronto, Ontario, Canada: Chairman of the Board. Mr. Hitzig founded Accord in 1978 and has seen his initial vision grow into a highly successful North American asset-based finance company. Mr. Hitzig has a B.Comm from McGill University and has over 50 years experience in the ABL and factoring industry. Mr. Hitzig has been a director of Accord since March 6, 1992 and is a member of the Company’s Compensation Committee.

Tom Henderson, Greenville, SC, USA: President and CEO. Mr. Henderson has been associated with the ABL industry for over 45 years, first with Heller International where he concentrated on managing asset-based lending units in the U.S., Asia and Australia. Mr. Henderson joined Accord Financial, Inc., the Company's U.S. subsidiary, in 1998 and was promoted to President and CEO in 2001, a position he still holds. Mr. Henderson was appointed President and CEO of Accord on May 6, 2009 and has been a director since July 28, 2009.

Stuart Adair, Toronto, Ontario, Canada: Senior Vice President, Chief Financial Officer. Stuart is a Chartered Accountant with over 30 years finance and accounting experience. He has been Accord’s CFO since 2002. Stuart commenced his career with a predecessor of PricewaterhouseCoopers in the United Kingdom, transferring to its Toronto office in 1988. Stuart holds a B.A. from Sheffield University, U.K., and an M.A. in Economics from Queens University, Canada.

Fred Moss, Montreal, Quebec, Canada: President of Accord Financial Inc. Fred brings a wealth of experience and expertise in all aspects of the finance industry to his role as President of Accord’s Canadian ABL business. Formerly President of CAFCO, he went on to found Montcap Financial Corp. Under his careful leadership, the company was sold to Accord in 1992 and grew to become a dominant player in the Canadian ABL industry. Fred holds a B.Comm. from McGill University, as well as a C.P.A.

Simon Hitzig, Toronto, Ontario, Canada: President of Accord Financial Ltd. Simon brings fifteen years of financial services success to Accord. Prior to joining Accord, he held executive positions in marketing, product development and distribution strategy at Goodman & Company Ltd., Manager of Dynamic Mutual Funds. His innovative approach was a key ingredient as Dynamic became one of Canada’s fastest growing investment companies. Simon is a graduate of York University and holds an M.B.A. from Georgetown University. Simon is President of Accord’s credit protection and receivables management business, as well as its lease and equipment financing subsidiary.

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CONSISTENTLY PROFITABLE FOR MORE THAN 34 YEARS OF OPERATION

• Accord has a been profitable in each of the last 34 years.

• Net earnings were $6.9 million in 2014. On an adjusted basis, excluding non-operating expenses, adjusted net earnings were $8.1M in 2014

• Trailing net earnings for the twelve months ended Sept. 30, 2015 were $8.3M. Adjusted net earnings for the twelve months ended Sept. 30, 2015 were $9.3M.

• Accord’s adjusted ROE was 14.3% in 2014. Adjusted ROE for the twelve months ended Sept. 30, 2015 was 14.6%.

• Growth potential is seen through U.S. operations, leasing, working capital lending, import financing and acquisitions.7

CURRENT TRAILING EPS and P/E RATIO

  • Earnings per share (EPS) and adjusted

EPS were 83 and 98 cents, respectively, for 2014.

• Trailing EPS and adjusted EPS were $1.00 and $1.12, respectively, for the twelve months ended Sept. 30, 2015.

• EPS for the first 9M of 2015 were 72 cents, 33% higher than 9M/2014. Adjusted EPS for 9M/2015 rose 25% to 76 cents (9M/2014 – 61 cents).

• P/E ratio of 9.2 at Oct. 29, 2015 (based on Accord’s share price of $10.30 and trailing adjusted net earnings of $1.12).

• Fourth quarter operating performance has historically been Accord’s strongest due to some seasonality.

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QUARTERLY DIVIDENDS HAVE STEADILY INCREASED TO 9 CENTS PER SHARE

• Dividends have steadily increased since Accord went public in 1992.

• Current dividend is 9 cents per share per quarter or 36 cents per annum.

• Dividends per annum have doubled between 2005 and the current dividend rate (36 cents per annum).

• Accord’s dividend yield is approx. 3.5% (based on an $10.30 share price at Oct. 29, 2015).

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CAPITAL RETURNED TO SHAREHOLDERS: EXCELLENT TRACK RECORD

• Total dividends paid during the period 2006- 9M/2015 were $24.2 million.

• Total value of shares repurchased during 2005-2014 was $14.7 million.

• Total number of shares repurchased in the last 10+ years was over 2.0 million.

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ACCORD FINANCIAL CORP.CAPITAL RETURNED TO SHAREHOLDERS: DIVIDENDS PAID AND SHARE REPURCHASES: 2006-2015

DIVIDENDS

DIVIDENDS PAID PER SHARES SHARES AVERAGE

PAID SHARE REPURCHASED REPURCHASED PRICE PAID

$ $ $ # $

2006 1,966,028 0.20 4,466,086 573,100 7.79

2007 2,081,147 0.22 332,634 41,600 8.00

2008 2,280,810 0.24 1,005,017 154,000 6.53

2009 2,449,986 0.26 455,021 78,200 5.82

2010 2,634,272 0.28 2,569,161 343,400 7.48

2011 2,669,088 0.30 2,438,491 346,573 7.04

2012 2,592,907 0.31 3,402,463 497,500 6.84

2013 2,630,880 0.32 - - -

2014 2,741,545 0.33 - - -

2015 YTD 2,160,007 0.26 - - -

24,206,670 2.72 14,668,873 2,034,373 7.21 TOTAL CAPITAL RETURNED TO SHAREHOLDERS $38,875,543

ACCORD’S BOOK VALUE PER SHARE HAS RISEN TO RECORD LEVELS

• December 31, 2014 book value was $7.38 per share.

• Sept. 30, 2015 book value was a record $8.38 per share.

• Accord has a strong balance sheet and low degree of leverage. At Sept. 30, 2015 assets were $174MM, liabilities were $104MM and shareholders’ equity was a record $70MM.

• P/B ratio at Oct. 29, 2015 was only 1.2 (based on a $10.30 share price).

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ACCORD SEEKS TO ACHIEVE A ROE OF OVER 15%

• ROE has averaged 14.3% over the last 10 years. In 2014 ROE was 12.1%, while adjusted ROE was 14.3%.

• 9M ended Sept. 30, 2015, ROE was 12.2%, while adjusted ROE was 12.8%.

• Based on trailing 12 months earnings (10/1/14 – 9/30/15), ROE was 13.1%, while adjusted ROE was 14.6%.

• Accord is currently under-leveraged and has excess capital to deploy on internal growth or acquisitions.

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REVENUE AND CREDIT & LOAN LOSSES: CRITICAL LINE ITEMS TO SUCCESS

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POTENTIAL ACQUISITION OPPORTUNITIES

Recent opportunities have emerged. Entry into lease financing made through the Varion Capital acquisition.

Targets in Canada include other specialty finance companies.

The U.S. market is undergoing consolidation. Accord is constantly looking at potential targets.

Accord considers acquisitions if they are accretive to earnings and will provide future revenue and earnings at a higher growth rate than can be achieved organically.

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COMPARATIVE VALUATIONS(@ OCT. 29, 2015)

Company

Current Price (Oct. 29, 2015)

(A)

Shares outstanding

(Sept. 30, 2015) (‘000)

Market Cap ($M)

Diluted 2014 EPS

(B)

Trailing P/E(1) (A/B)

Dividend Yield P/Book(2)

2014 ROAE(3)

Accord Financial Corp. 10.30 8,308

86 0.83 12.4 3.5% 1.23 12.1%

Callidus Capital Corp. 11.13 49,209 548 1.03 10.8 6.3% 1.14 10.6%

Element Financial Corp. 16.92 385,798 6,528 0.15 113.0 - 1.64 1.9%

Goeasy Ltd. (formerly Easyhome Ltd.) 16.55 13,394 222

1.42 11.7 2.4% 1.35 13.7%

Chesswood Group Ltd. 11.15 16,264 181 0.93 12.0 7.0% 1.30 14.5%

Rifco Inc. 2.50 21,347 53 0.28(4) 8.9 - 1.97 27.6%Note(1)Based on 2014 annual net earnings(2)Based on book value per share (BVPS) @ 6/30/2015, except in Accord’s case where it is based on BVPS @ 9/30/2015(3) Return on average equity(4) Year ended March 31, 2015

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INVESTMENT OPPORTUNITY

• Q3/2015 and 9M/2015 record operating performance and financial position.

• Proven record. Experienced management.

• 3.5% dividend yield.

• Increasing popularity of the Accord brand.

• Organic growth anticipated, particularly, in the U.S. ABL market and Accord’s leasing business; capital available to support growth.

• Accretive acquisition opportunities to be pursued.

• Low comparable investment metrics compared to peers.

• Improved profitability and dividend payouts are always Accord’s focus.16