2014-1015 Annual Report

Transcription

Westmorland Albert
ANNUAL REPORT 2014‐2015
TABLE OF CONTENTS
OUR SERVICES ........................................................................................................................................... 2
INTRODUCTION ......................................................................................................................................... 3
CHAIRMAN’S MESSAGE .......................................................................................................................... 4
EXECUTIVE DIRECTOR’S MESSAGE ................................................................................................... 6
STAFF ............................................................................................................................................................ 7
BOARD OF DIRECTORS ........................................................................................................................... 8
THE EXECUTIVE COMMITTEE 2014-2015 .......................................................................................... 9
DESCRIPTION OF SERVICES ................................................................................................................ 10
ACHIEVEMENTS FINANCIAL SERVICES TO CLIENTS ………………………………………….12
RESULTS - PROGRAMS 2014 - 2015 …………………………………………………………………..13
2015-2016 GOALS AND OBJECTIVES ................................................................................................... 16
SPECIAL THANKS – PREVIOUS BOARD MEMBERS 1987-2015 .................................................... 17
SPECIAL THANKS TO OUR PARTNERS IN ECONOMIC DEVELOPMENT ............................... 18
GUEST SPEAKER KATHY WEIR, BROADLEAF ............................................................................... 19
EVENTS HELD DURING THE YEAR …………………………………………………..……………..20
AUDITED FINANCIAL STATEMENTS AS AT MARCH 31, 2015 ..................................................... 23
CBDC WESTMORLAND ALBERT - ANNUAL REPORT
2014-2015
Page 1
OUR SERVICES
We provide the following services:
 Business loans to new or expanding businesses
 Business counseling / advisory services
We deliver the following programs in partnership with Provincial and Federal
agencies:
 Youth Loan
 First-Time Entrepreneur Loan
 General Business Loan
 Innovation Loan
 Social Enterprise Loan
 Self-Employment Benefit (SEB) Program
 Business Counseling
 Skills Training
 Business Development Seminars
OUR TERRITORY
Serving Sackville, Shediac, Dorchester, Port Elgin, Memramcook, and Cap-Pelé, since 1987
and serving Salisbury, Petitcodiac, Hillsborough, Riverside-Albert, and Alma, since 1997.
2014-2015
Page 2
INTRODUCTION - PLANNING AND FINANCING SMALL BUSINESSES
Having been in existence for the past twenty-eight years, CBDC Westmorland Albert has
contributed to the creation or maintenance of over 5,000 jobs in our region, as well as having
invested over $27.4 million in the form of Community Futures small business loans.
Funded by the Atlantic Canada Opportunities Agency (ACOA) as a Community Business
Development Corporation (CBDC), the Corporation is dedicated to helping create or maintain jobs
by providing financial and advisory services to small and medium-sized businesses within its
geographical jurisdiction.
The following chart provides information on the Corporation’s progress since April, 1987.
Fiscal
Business Year
1 (6 mths)
2
3
4
5
6
7
8
9
10
11
12
13
14 (18 mths) *
15
16
17
18
19
20
21
22
23
24
26
27
28
Total
No. Of
Enquiries
75
180
200
220
300
300
355
395
350
400
380
355
375
550
350
400
475
1500
2050
2400
2550
2600
2800
2300
2100
2400
2800
31,240
CBDC Loans
$35,000
$337,000
$189,000
$305,000
$394,500
$480,000
$566,000
$720,000
$415,500
$594,000
$876,721
$636,100
$1,070,600
$1,561,200
$1,002,400
$846,584
$917,710
$692,522
$1,366,770
$1,538,382
$992,541
$1,304,110
$1,290,664
$2,030,400
$1,844,626
$1,749,762
$1,720,670
$27,488,177
Jobs
Created
17
114
115
117
117
124
126
100
120
139
115
138
157
190
220
180
146
177
272
320
246
196
253
378
149
259
249
5,038
Interest on Loans
& Sav.
$900
$10,000
$51,000
$63,000
$95,000
$84,000
$110,000
$125,000
$175,000
$180,000
$180,000
$225,000
$245,000
$432,500
$320,900
$313,900
$338,900
$331,867
$309,376
$350,031
$358,325
$368,116
$377,609
$420,232
$520,881
$553,359
$535,028
$7,579,970
Principal
Payments
$900
$7,000
$47,000
$96,000
$215,000
$243,000
$300,000
$349,000
$300,000
$300,000
$462,000
$425,000
$675,000
$812,000
$1,014,100
$674,900
$736,900
$933,200
$1,281,500
$700,800
$775,341
$860,432
$1,062,619
$1,107,978
$1,653,046
$1,313,917
$1455,406
$19,307,410
* fiscal year changed from September to March
2014-2015
Page 3
CHAIRMAN’S MESSAGE
As Chairman of the Board of Directors, I am pleased to provide
you, the members of the Community Business Development
Corporation (CBDC Westmorland Albert) and the public in general,
with a summary of the Corporation’s accomplishments during the
last 12 months and its contribution to the economic development of
this region. The essential message of this report is that CBDC
Westmorland Albert continues to make an important contribution to
the region’s business community and entrepreneurial climate,
investing both time and money through its financial services and
programs.
Highlights of our efforts during the past year include:
1. Our Corporation disbursed and facilitated delivery of a total of $2,958,170 to 119
small and medium-sized businesses, with the breakdown of the financial assistance
as follows:



25 General Business loans disbursed for a total of $1,128,143
19 Youth and First-Time Entrepreneur loans: $592,527
75 participants approved under the Self-Employment Benefit program:
$1,237,500
2. We are also very pleased to have provided 330 clients with on-going training in the
following manner:


183 participants were provided with one-on-one training;
147 people participated in the Business Development Seminars for a total of
$136,616 spent on training.
3. As a result of these services being provided to potential or existing businesses
during the past 12 months, our clients created or maintained 249 full and part-time
jobs in the Westmorland and Albert counties.
4. Our financial situation is very strong and stable with assets of approximately $8.9
million.
5. Historically, our programs have remained maintained steady as the following data
confirms:

After 28 years, since 1987, CBDC Westmorland Albert has provided Small
Business loans (Federal) in the amount of $27.5 million to 781 businesses
2014-2015
Page 4

Since 1992, we’ve delivered $12.8 million to 909 new businesses through the
Self-Employment Benefit Program (Provincial)

From 1997 to 2011, over $3.5 million has been disbursed to 528 young
entrepreneurs and new startups through the SEED Capital program (Federal)

From 2001 to 2009, we provided approximately $2.8 million in loans to 307 new
startups through the Entrepreneur program (Provincial)

Special Project: disbursed $500,000 to 17 farmers through the Agriculture Fixed
Link Fund (Federal)

Special Project: disbursed $2,000,000 through the HRDC Fixed Link Fund
(Federal)

Historical total of 2539 businesses funded for $49.9 million, assisting in the
creation or preservation of over 5000 full and part-time jobs in our region.
The Atlantic Canada Opportunities Agency (ACOA) is an important partner in the work
the CBDC provides in our rural areas. We are grateful for ACOA’s support and vision.
The Government of Canada, through ACOA, is clearly committed to helping rural
communities become strong and vibrant. Over the past year ACOA has demonstrated
ongoing confidence in the CBDCs through its support of activities through the Community
Futures of Tomorrow, the Entrepreneurial Training Fund, and the Women in Business
Program. We have been pleased to administer many important initiatives on the Agency’s
behalf.
I also would like to recognize and thank the Province of New Brunswick, through the
Department of Post-Secondary Education, Training and Labor, for their continued support
and commitment to CBDC Westmorland Albert.
Even with the support of such key partners, CBDC Westmorland Albert would not have
the impact it has had on rural business communities without the vision and commitment of
staff. On behalf of the Board, I congratulate them on their successes and thank them for
the superb professional work they provide each and every day.
Last, but by no means least, I express my great appreciation to the Board members for
their voluntary contribution of time and talent that they make throughout the year to the
CBDC.
Mario Cormier
Chairman
2014-2015
Page 5
EXECUTIVE DIRECTOR’S REPORT
The Community Business Development Corporation (CBDC)
Westmorland Albert is federally funded through the Community Futures
Program, and has been delivering
business loans and other
financial services providing support to small and medium-sized
businesses in Southeastern New Brunswick for over 28 years.
2014-2015 has been another busy year for our CBDC staff that made
frequent presentations to entrepreneurs, groups and communities. We
responded to over 2800 inquiries, counseling sessions, site visits, or
monitoring calls to clients throughout the counties of Albert and
Westmorland, as well as providing training to 330 individuals. We received 228 requests for financing
of which 185 were presented as completed applications to the Board of Directors. Overall, the CBDC
Westmorland Albert approved 119 businesses for loans and disbursed over $2.9 million to clients
during the past year. An additional $8.1 million was invested by clients and other sources of funding
creating a total impact on the region of over $11 million.
Our annual report outlines the programs we offer and the assistance we have provided in developing
the economy in our territory during the past 28 years. Our successes are the result of contributions
from many individuals and government partners with a brief overview as follows:
• Our clientele – Most importantly, we want to say thank you to the entrepreneurs in our region for
your continued confidence and trust in our organization.
• Staff - To our dedicated staff, many thanks for your commitment and hard work. Our team is
made up of Bernice Clements (1987), Nathalie Gallant (2008), Michel Gallant (2009), Joanne
McMaster (2009), Marc-André Thériault (2012), Kynan Philippe (2012), and Mathieu Gaudet
(2014).
• Department of Post-Secondary Education, Training and Labour – We have been pleased to
deliver the Self-Employment Benefit Program (SEB) since 1992 and to facilitate the Business
Development Seminars since 2004. Many thanks to Ghislaine Boudreau-Grant and Marie-Josée
Gouin for their continued support and expertise.
• Atlantic Canada Opportunities Agency (ACOA) – Your ongoing support and leadership is truly
invaluable. Thanks to Claire Dulong and ACOA New Brunswick staff.
We are also very fortunate to have an excellent volunteer Board of Directors and sincerely thank
each and every one of you for your time and dedication to entrepreneurs in the region.
A special thank you to our Chairman, Mario Cormier, for his continued confidence and assistance,
as well as the support of the other members of the Executive Committee, Ellen Pickle, Joanne
Skyrie and Klaus Sudbrack.
Karen Robinson
Executive Director
2014-2015
Page 6
THE STAFF
KAREN ROBINSON
Executive Director
April, 1999
MICHEL GALLANT
Business Seminar Coordinator /
Project Analyst
September, 2009
BERNICE CLEMENTS
Administrative Assistant Communication Officer
April, 1987
NATHALIE GALLANT
Project Analyst
September, 2008
KYNAN PHILIPPE
Project Analyst
June, 2012
MARC-ANDRÉ THÉRIAULT
Project Analyst
February, 2012
MATHIEU GAUDET
Project Analyst
June, 2014
JOANNE MACMASTER
Loans Accounting Administrator
March, 2009
The CBDC’s staff provides business information and guidance, as well as evaluating
various loans and Self-Employment Benefits applications. Our goals are to continually
improve the quality and quantity of services offered to entrepreneurs.
2014-2015
Page 7
THE BOARD OF DIRECTORS 2014 - 2015
The CBDC Westmorland Albert Inc. is governed by a Board of 12 directors, made up of
business and community leaders from throughout the region.
The Board members serve on a voluntary basis, providing expertise in marketing,
accounting, retail, etc., as well as knowledge of the needs of his or her community and the
people therein.
Mario Cormier
Cap-Pelé
Jim Bateman
Shediac
Nadine Hébert
Shediac
Joanne LeBlanc Skyrie
Shediac
Danny Patterson
Sackville
Rob Harris
Sackville
Ellen Pickle
Sackville
Serge Bourgeois
Memramcook
David Kitchen
Salisbury-Petitcodiac
Ginette Glew
Dorchester
Stephanie Carver
Albert County
Klaus Sudbrack
Shemogue
2014-2015
Page 8
THE EXECUTIVE COMMITTEE 2014-2015
Left to right – Ellen Pickle, Vice-Chairperson; Klaus Sudbrack, Secretary;
Joanne LeBlanc Skyrie, Treasurer; and Mario Cormier, Chairman
2014-2015
Page 9
DESCRIPTION OF SERVICES
YOUTH LOAN
The CBDC Youth Loan provides financing to young entrepreneurs from the ages of 18 to
34. This loan features flexible interest rates and repayments terms, and can be utilized for
the purchase of fixed assets, start-up costs, and working capital.
FIRST-TIME ENTREPRENEUR LOAN
The CBDC First-Time Entrepreneur Loan targets entrepreneurs who are considering
starting their own business or purchasing an existing one in the rural area.
GENERAL BUSINESS LOAN
The CBDC General Business loan is the CBDCs primary and most flexible business loan
product.
INNOVATION LOAN
The CBDC Innovation Loan has been designed to help promote the development of the
knowledge-based economy and aid in the adoption of technology in rural Atlantic Canada.
SOCIAL ENTERPRISE LOAN
The CBDC Social Enterprise Loan assists Social Enterprises, such as non-profit
organizations, cooperatives, or membership organizations in rural communities, by assisting
them with financing of new companies or expansion plans of existing businesses.
SELF-EMPLOYMENT BENEFIT (SEB) PROGRAM
The Self-Employment Benefit (SEB) Program, which is sponsored by the Province of New
Brunswick, allows participants to continue to receive their Employment Insurance (EI)
benefits and/or a weekly allowance at a provincially established rate while they are getting
their business up and running.
2014-2015
Page 10
BUSINESS COUNSELING
CBDCs exist to help businesses succeed. Counseling is the most common type of
assistance we offer, and is usually in the form of advice to the new entrepreneur as well as
to the established business person.
SKILLS TRAINING
The CBDCs support tailored skills training in special areas such as market development,
bookkeeping, feasibility studies, and business analysis just to name a few, which help the
business owner become better informed and educated in the daily operations of their
company.
BUSINESS DEVELOPMENT SEMINARS
CBDC Westmorland Albert offers a series of seminars to potential entrepreneurs. It is
mandatory for all Self Employment Benefit clients to attend the one week seminar, and the
sessions are delivered on behalf of New Brunswick Department of Post-Secondary
Education, Training and Labor.
2014-2015
Page 11
APRIL 2014 TO MARCH 2015 ACHIEVEMENTS FINANCIAL SERVICES TO CLIENTS Impact on Jobs
Investments
Type of Business
# of Clients (Businesses) Full‐
Time Part‐Time & Seasonal General Business Loans 25 5 3 106 1 24 $1,128,143 $1,157,673 $3,825,360 $6,111,176 Youth, First‐Time Entrepreneur & Social Enterprise Loans 19 19 3 15 16 3 $592,527 $596,274 $210,000 $1,398,801 S.E.B 75 87 11 71 4 $1,237,500 $1,089,681 $1,228,758 $3,555,939 Total 119 111 17 121 88 31 $2,958,170 $2,843,628 $5,264,118 $11,065,916 Type of service Jobs Maintained New Existing CBDC Clients Others Total 1. FINANCIAL SERVICES TO CLIENTS (a) Total jobs created or maintained; (b) (c) Total CBDC Westmorland Albert investments: Total investment from all sources 2. OTHER SERVICES 249
$2,958,170
$11,065,916
In addition to providing financial services, CBDC Westmorland Albert provides entrepreneurial training through Business development Seminars, plus one‐on‐one business information and counseling sessions to clients. New this year is the Consultant Advisory Services Program (CAS). Training provided to 330 individuals (183 clients and 147 potential clients) in 2014‐2015 at a total cost of $136,616. CBDC WESTMORLAND ALBERT - ANNUAL REPORT
2014-2015
Page 12
RESULTS - PROGRAMS 2014-2015
2014-2015
Page 13
CBDC Westmorland Albert
Results / Résultats
2014 - 2015
HIGHLIGHTS - FAITS SAILLANTS 2014-2015
185 Completed Applications Reviewed - 119 Disbursed /
185 applications furent évaluées – 119 déboursées
Business Loans
Prêts Commerciaux
Youth & First-Time
Entrepreneur Loans
Prêts pour jeune entrepreneur et
nouvel entrepreneur
Self-Employment Benefits
Aide au Travail Indépendant
TOTAL DISBURSED
TOTAL DÉBOURSÉ
IMPACT ON JOBS
EMPLOIS
Created or Maintained
Créés et maintenues
TRAINING
FORMATION
183 Clients and
147 Potential Clients
$1,128,143 (25)
$592,527 (19)
$1,237,500 (75)
$2,958,170 (119)
249
$136,616 (330)
183 clients et
147 clients potentiels
2014-2015
Page 14
CBDC Westmorland Albert
“28 Year Snapshot / Bref aperçu de nos 28 ans”
Results from 1987 - 2015 / Résultats de 1987 à 2015
Training - Counseling
Formation - Conseils
12,110
Individuals / individues
Business Loans (all products)
Prêts Commerciaux (tout)
Since 1992 :
Depuis 1992:
From 1997 to 2011
De 1997 à 2011:
$3.5 M (528)
From 2001 to 2009:
De 2001 à 2009:
$2.8 M (307)
Special Project:
Projets Spéciaux:
$500,000 (17)
SEED Capital Program
Entrepreneur Loans
Agriculture Fixed Link Fund
Special Project:
HRDC Fixed Link Fund
$27.4 M (781)
$12.84 M (909)
Aide au Travail Indépendant
Programme Capital dʼAppoint
Prêts Entrepreneur
Programme dʼagriculture
Projets Spéciaux:
$2.0 M (1)
Fonds DRHC
TOTAL
TOTAL
2,539 businesses assisted for $49.9 million
2 539 entreprises ont reçus de lʼassistance ou du
financement totalisant 49.9 millions de $
Assisted in the creation or preservation of over
5,000 jobs in our territory
Participe à la création et le maintien de plus de
5 000 emplois dans notre territoire
2014-2015
Page 15
2015 – 2016 GOALS AND OBJECTIVES
APRIL 1, 2015 – MARCH 31, 2016
TOP TARGETS
FINANCIAL SERVICES (based on disbursments)




CBDC loans
Youth Loans
First-Time Entrepreneur loans
Total financial services
$1,365,000 (32 loans)
$1,200,000 (75 participants)
$ 135,000 ( 9 loans)
$ 840,000 (20 loans)
$3,540,000 (136 clients)
OTHER (ALL PROGRAMS)










Jobs created or maintained
Follow-ups / monitoring visits
Revenues – loan portfolio and term deposits
Provision for loan losses
Revenue – generating assets
General inquiries
Business Development Seminars
Business Development Seminar participants
One-on-one client training
Client training
201 jobs
525 follow-ups
$550,000
$700,000
Year-end: $9.2M
2700 inquiries
12 sessions
156
115
$125,000
2014-2015
Page 16
SPECIAL THANKS
PREVIOUS BOARD MEMBERS 1987 - 2015
The CBDC Westmorland Albert Inc. would like to thank the following persons for their
dedication, as past volunteer Board members, and for their contribution to economic
development.
NAME
BILL ALLEN
SHARON ALLEN
WENDY AMOS
ALLAN AYLES
BRENDA BELLIVEAU
EUGENE BELLIVEAU
ROLAND BELLIVEAU
SUSAN BELLIVEAU
ANDY BRANSFIELD
ROBERT BREAU
ANNE BRESKI
TED COLE
ELSIE CONSTANTINE
BOB CORMIER
CAROLINE CORMIER
CLORICE CORMIER
JEAN-GUY CORMIER
MAURICE CORMIER
RONALD CORMIER
JANET CRAWFORD
KEVIN CROSSMAN
GUY DONELLE
CATHY DRAPER
JEAN-GUY DUBÉ
LINDA FIELD
WAYNE FEINDEL
CHARLES GALLANT
MICHEL GALLANT
GUY GAUDET
MARC GAUDET
SANDY HARPER
MAURICE HÉBERT
TANYA HESS
ROBERT HICKMAN
IAN HESS
GLORIA JOLLYMORE
SAMUEL LANCTIN
EDVARD LANDRY
YVETTE LANDRY- SMITH
ANDRÉ LEBLANC
AREA
Sackville
Murray Corner
Dorchester
Salisbury
Hillsborough
Shediac
Shediac
Dorchester
Sackville
Shediac
Sackville
Port Elgin
Salisbury
Memramcook
Shediac
Shediac
Memramcook
Shediac
Memramcook
Sackville
Dorchester
Cap-Pelé
Sackville
Shediac
Port Elgin
Dorchester
Shediac
Shediac
Memramcook
Memramcook
Sackville
Shediac
Sackville
Dorchester
Sackville
Sackville
Shediac
Shediac
Shediac
Cap-Pelé
NAME
GARY LEBLANC
GILLES LEBLANC
RONALD LEBLANC
MARLENE LEBLANC
NAP LEBLANC
PIERRE LEBLANC
VALERIE LEBLANC
SERGE LEGER
BONNIE LERETTE
TERRY MARTENS
ANDRÉ MÉTHÉ
GERRY McMULLEN
ALAN MITCHELL
KEN MOSS
GRACE NELSON
DENIS OUELLETTE
NORMAND OUELLETTE
GARRY PARSONS
DANNY PELLERIN
LÉO PELLERIN
SHARON POLLOCK
NEVILLE RALPH
MONIQUE RICHARD-LEGER
MICHEL ROY
JANICE RYAN
KEN SEARS
ELAINE SMITH
HARRIS SMITH
JOHN SMITH
BLAIR SPENCE
GARY STEEVES
DARLENE TEAHEN
EMILY TENHAVE
MARJORIE TURPIN
ROGER WEHRELL
NANCY WRIGHT
GINETTE GLEW
DANNY PATTERSON
ROB HARRIS
AREA
Memramcook
Memramcook
Memramcook
Shediac
Cap-Pelé
Shediac
Port Elgin
Cap-Pelé
Sackville
Shediac
Cap-Pelé
Sackville
Sackville
Cap-Pelé
Sackville
Memramcook
Cap-Pelé
Port Elgin
Shediac
Shediac
Hopewell Cape
Sackville
Shediac
Shediac
Cap-Pelé
Sackville
Sackville
Hillsborough
Dorchester
Port Elgin
Hillsborough
Dorchester
Sackville
Port Elgin
Sackville
Salisbury
Dorcheser0
Sackville
Sackville
2014-2015
Page 17
SPECIAL THANKS TO OUR PARTNERS
IN ECONOMIC DEVELOPMENT
The Board of Directors and employees would like to thank the following people and
organizations that have greatly contributed to our CBDC’s success and to the economic
development of this region:
 ATLANTIC CANADA OPPORTUNITIES AGENCY (ACOA)
 DEPARTMENT OF POST-SECONDARY EDUCATION, TRAINING AND
LABOUR
 DEPARTMENT OF AGRICULTURE & FISHERIES AND AQUACULTURE
 HUMAN RESOURCES & SKILLS DEVELOPMENT CANADA
 3+ CORPORATION
 NEW BRUNSWICK ECONOMIC DEVELOPMENT
 BUSINESS DEVELOPMENT BANK OF CANADA
 FINANCIAL INSTITUTIONS
 BUSINESS ASSOCIATIONS AND CHAMBERS OF COMMERCE
 OTHER COMMUNITY BUSINESS DEVELOPMENT CORPORATIONS
 NEW BRUNSWICK ASSOCIATION OF CBDCS
 ATLANTIC ASSOCIATION OF CBDCS
The Board of Directors would also like to thank the staff: Karen Robinson,
Marc-André Thériault, Michel Gallant, Nathalie Gallant, Bernice Clements, Joanne
McMaster, Kynan Phillipe and Mathieu Gaudet for their excellent and professional
work during the past year.
ACKNOWLEDGMENTS
We would also like to thank the Board members who are completing their mandate
on the Board at this Annual Meeting. They have contributed their time and
knowledge to the CBDC, thus making a significant contribution to its progress and
success.
2014-2015
Page 18
GUEST SPEAKER
KATHY WEIR, BROADLEAF GUEST RANCH
Having grown up in a family business with her parents, 4 brothers and 2 sisters, Kathy has
garnered experience and understanding of what it takes to remain sustainable in business for
over 40 years. A wife and mother of three and grandmother of two, she still enjoys working
in the day-to-day operation of their family tourism business – Broadleaf Guest Ranch in
Hopewell Hill, Albert County. Broadleaf offers their visitors the opportunity to make
memories and experiences that keep them returning time and time again.
Kathy gives herself beyond her family business as well. A full time Paramedic, President of
TIANB, Board Member for Cape Enrage Interpretative Centre and many community
involvements all wrapped up in a 24 hour day and a 7 day week! There is the saying – A
change is as good as a rest so if you are not going to get a rest – make sure you get a
change!!!! Kathy supports this theory. “If you love what you do it’s not a job”.
Her secret to her energy ----- “I inherited my mother’s genes”
Her secret to sustainable business ----- “You have to skate to where the puck is going to be
– not to where it is at”
2014-2015
Page 19
EVENTS HELD DURING THE YEAR!!!
CBDC Day - May, 2014
Karen and Nathalie serving cake and having draws for prizes
CBDC Annual General Meeting - June 2014
Chairman Mario Cormier presenting the door prize to the winner
2014-2015
Page 20
Staff members participate in the community fund raising event
“Walk A Mile in Her Shoes”
September, 2014
Winners of the Southeast Regional Entrepreneurship Gala - October 2014
In the picture from left to right : Mario Cormier, Chairman of the CBDC Westmorland Albert Board of
Directors; Amy McEvoy, owner of Little Steps Child Care in Petitcodiac; Robert Bourgeois, owner-operator
of Verger Belliveau Orchard in Memramcook; and Karen Robinson, Executive Director of CBDC
Westmorland Albert
2014-2015
Page 21
CHRISTMAS OPEN HOUSE - CBDC WESTMORLAND ALBERT
From left to right: Jean-Guy Cormier, past Chairman of CBDC Westmorland Albert; Karen Robinson,
Executive Director of CBDC Westmorland Albert; Gary Parsons, past Chairman of CBDC Westmorland
Albert; and Allan Ayles, past Chairman of CBDC Westmorland Albert;
Food Depot Alimentaire Christmas Box Campaign Networking Event
December, 2014 at the Moncton Coliseum
2014-2015
Page 22

2014-1015 Annual Report

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