Setting the standard for superior services and local expert advice.

Transcription

1 Setting the standard for superior services and local expert advice.

2 Local Money for Local Good Living and building our business in the same community you do gives us a unique local perspective, and a stake in the success of the place we call home. When our members succeed our communities grow and prosper. We re proud to bring our expertise to the table to help local businesses thrive. Kathy Conway President & CEO Investing over $345 million in local projects 15 Commercial specialists ready to meet with you anywhere in the Thompson Okanagan region Involved in projects all over BC Projects range anywhere from $100,000 $40 million Heavy skill set in construction and real-estate projects

3 The Interior Savings Advantage Strengths: Experienced knowledgeable Commercial Account Managers Our Account Managers know the local marketplace and how to best help you Our Account Managers are mobile and able to come to your workplace or sites Strong local reputation Member Benefits Access to flexible capital We understand your business Access to local market knowledge Rapid response

4 Why Builders Choose Interior Savings? We recognize: Okanagan Builders add: Jobs Infrastructure Economic growth Interior Savings adds: What is good for the area is good for all We give back to the community We believe in Local money for Local good Our members say it best: Chatham Homes and our clients have had continual success in working with Interior Savings Credit Union. The process has always been simple and smooth. We have had multiple occasions where our clients have had difficulties in working with other banks or brokers, and upon our referral to Interior Savings were able to secure a mortgage that worked for them. Mike Chatham, Chatham Homes Ltd.

5 Our Offer to Builders Available to Builders of: Condo/Town home Construction Extended mortgage rate holds for your buyer Spec Homes Builder managed holdbacks Custom Homes Customized draws Land Development Pre-sale flexibility Native Land Mortgage of lease Residential Buyer Mortgage applications, any time, any place

6 Who we are Your business ideas are one of a kind but there are tips, tools and learnings that we offer which can help speed up your success. Our Commercial Account Managers are mobile and will come to you instead of you coming to us. We know it is important for you to spend your time building or managing your business not spending your time banking. We offer the convenience of online banking so you can manage your money online as you need, and we offer all the products and services you might only expect from a bank. Plus, because we are locally managed and operated you can expect quick turnaround times on the approvals you need. We offer experienced advice that is specific to your industry and market. If you expertise lies outside the financial industry, check in with one of our Commercial Account Managers take advantage of their know-how and all the financial solutions we can offer. COMMERCIAL SERVICES BRANCHES: Kelowna Branch 678 Bernard Avenue, Kelowna BC V1Y 6P3 Phone: (250) Fax: (250) Kamloops Branch Lansdowne Street, Kamloops BC V2C 1Y1 Phone: (250) Fax: (250)

7 Local Money for Local Business We are full service Our business is helping your business, and other local businesses grow strong and stay strong. And while we re home-grown, we ve got world-class savvy when it comes to the financial support your business needs. Your business is successful because you re great at what you do. We understand how valuable your time is and can help you cut back on your administration with the following products and services: Bank Checking & Savings Online Banking Credit Cards Foreign Exchange Points of Sale Payroll Plan & Protect Insurance Estate Planning Succession Planning Philanthropy Family Governance Business Finance Lines of Credit Long-term Loans Project Financing Equipment Loans Letters of Credit Leasing Owner Invest TFSA RSP RIF Term Deposits Investment Products

8 Finance Solutions Comprehensive, flexible, supportive Working Capital Operating funds, inventory & receivables funding Long-term financing Land, buildings, equipment, companies Construction financing Interest only Municipal bond guarantees Letters of credit Full Cash Management Services

9 Insurance Commercial No matter what happens, we ve got your back. Full coverage for all your hard work. Commercial insurance doesn t have to be complicated, but it should be comprehensive. At Interior Savings Insurance, you ll find the expertise, products and advice you need to protect your investment. Comprehensive Retail/Office Packages Comprehensive Contractor/Builder Packages Course of Construction Commercial General Liability Building Ownership Directors & Officers Liability Errors & Omissions? Want to learn more? Kelowna: Bernard Avenue, Kelowna BC V1Y 6P3 Phone: (250) Kamloops: Lansdowne Street, Kamloops BC V2C 1Y1 Phone: (250)

10 Insurance Personal Everything from home to travel Home Principal residence, vacation, rental property New home builds Course of construction Auto ICBC and Private Toys ATV, motorcycle, snowmobile, RV Travel Even Wedding Insurance!? Want to learn more? Visit us online to find the nearest location to you with 16 branches to serve you:

11 Wealth Management The Value of Advice A B Specialized Planning We take the work out and give you the freedom to focus on what s important to you. Understand Your Needs Discover where you are and where you want to be Peace of Mind Clear Action plan for tax efficiency, cash flow, investments & retirement to meet your goals and dreams Collaborate Our extended wealth services team, which includes highly accredited Estate and Insurance specialists Success is when our members feel confident they have the right plan in place to reach their goals.? Want to learn more? Kelowna: Harvey Ave Kelowna V1Y 8M1 Phone: (250) Toll-free: 1 (888) Kamloops: Lansdowne Street Kamloops, BC V2C 1Y1 Phone: (250)

12 Banking Personal Local money for better lives is what we do best Financial support that puts a skip in your step. We re all about helping you meet your financial goals - whether it s finding the right account, a super friendly advisor, or a mortgage that moves to your groove. Whatever you need from us, by banking locally you re choosing to making your community better. Advisory Honest advice from people who care Financial Products Chequing and savings accounts Overdrafts Credit cards Pre-authorized transactions Transfers Personal loans and mortgages Online, telephone, ATM, and in-branch banking? Want to learn more? Visit us online to find the nearest location to you with 21 branches to serve you: Or call 1 (855)

13 Mobile Mortgage Specialists Your schedule, your location Knowledgeable Extensive industry experience Local market, builder, and development knowledge Available Outside regular business hours Meet you where it s convenient Win-Win Relationship Builder secures a qualified buyer Buyer obtains competitive, timely, suitable financing? Want to learn more? mortgagepro@interiorsavings.com Or call 1 (844) (HOME)

14 Business Succession and Estate Planning Planning today to help you achieve your goals for tomorrow. Business Succession Planning is simply the process of determining how you are going to transfer your business ownership and transition out of a business management role, while maximizing your personal financial security. Sale or transfer to children When and where to hold corporate funds Family trusts Key person Estate Planning includes goals to ensure that your estate assets go to your intended beneficiaries and minimize taxes. Capital Gains Tax Estate Equalization Shareholder agreements As a business owner, you are busy running your company. Working with a specialist frees up your time to focus on your day to day operations. Doug McMechan CFP, CLU Business Succession and Estate Planning Specialist T: (250) C: (250) dmcmechan@interiorsavings.com

15 Condo or Townhouse Development Flexible construction timeframes & terms Pre sale Flexibility Finance up to 80% of project costs Builder managed holdbacks without excessive reporting Simple & quick in-house draw process Special banking and mortgage packages for your purchasers Local decision making and extensive knowledge of the market

16 Custom Homes Experienced lenders fully understand the draw process Can deal directly with General Contractor for draws Mobile Specialists available to visit job sites and answer questions outside normal business hours Loan banking and mortgage packages for your customers Special banking and mortgage packages for your customers

17 Spec Homes Extended construction terms offered Skilled Commercial Account Managers offer personal attention Builder s manage their own holdbacks to Tradespeople Finance up to 80% of costs Simple & quick in-house draw process Special banking and mortgage packages for your customers

18 Land Developers Skilled advisors available to visit anywhere you need us to be Understanding of your location and project Work with your buyers through the financing process Experience with Lease Land developments Pre sale Flexibility

19 Kelowna Commercial Services Interior Savings Credit Union 654 Bernard Avenue Kelowna, BC V1Y 6P3 Tel: (250) Fax: (250) Kamloops Commercial Services Interior Savings Credit Union Lansdowne Street Kamloops, BC V2C 1Y1 Tel: (250) Fax: (250)