Annual Report 2019 - newsaskcfdc.ca2018-2019 Annual Report Community Futures Newsask 1 ANNUAL REPORT APRIL 1, 2018 TO MARCH 31, 2019 Prepared: May 22, 2019

2018-2019 Annual Report

Community Futures Newsask 1

ANNUAL REPORT

APRIL 1, 2018 TO MARCH 31, 2019

Prepared: May 22, 2019



Table of Contents

BOARD OF DIRECTORS ................................................................................................. 3STAFF OF NEWSASK CFDC .......................................................................................... 6CHAIRPERSON’S REPORT .......................................................................................... 17SUMMARY OF MINUTES .............................................................................................. 18NEWSASK GOALS AND OBJECTIVES ........................................................................ 25NEWSASK SUMMARY OF ACTIVITIES ........................................................................ 29INVESTMENT FUND AND TECHNICAL SERVICES STATISTICS .............................. 32Note: Statistics include loans, technical services, projects & leveraged funds from

loans, as well as technical services that resulted in the client to obtaining, the funds

from another financial institution. .................................................................................... 32SELF-EMPLOYMENT PROGRAM ................................................................................. 33SELF-EMPLOYMENT PROGRAM STATISTICS ........................................................... 34NORTHEAST SUPPORTED EMPLOYMENT PROGRAM (NESEP) ............................. 35NEWSASK STATISTICS ZONE BY ZONE .................................................................... 38NEWSASK COMMUNITIES AND THEIR POPULATION .............................................. 39(2006 and 2011 Census; Statistics Canada) (June 30, 2015; Ministry of Health*)APPENDIX

• LOANS DISBURSED BY ZONES AND BAD DEBT BY ZONES



NEWSASK COMMUNITY FUTURES DEVELOPMENT CORPORATION

BOARD OF DIRECTORS

CHAIRPERSON: KATHY LINDSAY

Kathy joined the Newsask Board on November 25, 2015 representing Zone 2 and she and her husband, Rick reside in the town of Arborfield operating a third generation family farm. Previously Kathy worked over 18 years with the Royal Bank in Saskatoon before relocating to Arborfield. Since arriving in Arborfield, she has volunteered on various organizations which work effectively as joint ventures between Arborfield, Carrot River and Zenon Park. She completed a term on town council as Deputy Mayor. Kathy continues to spend her time volunteering with various organizations while balancing her time helping on the farm.

VICE CHAIRPERSON: DARA McMUNN

Dara McMunn joined the Newsask Board on June 15, 2017 and is representing Zone 4.

She was a Delegate for Affinity Credit Union for four years, spent ten years on the board for Star City Minor Sports, eight years on the Star City School Community Council, and has belonged to numerous other committees and boards with a focus on community development throughout her years working for three different Regional Colleges. She previously worked in various senior management positions including Executive Director, Director of Programs, Director of Development and Director of Human Resources at Cumberland College, Parkland College and Prairie West Regional College for 24 years. She currently owns and operates a grain farm near Star City with her husband.

SECRETARY TREASURER: GARY CLEAVELEY

Gary is from Tisdale and joined the Board in April 2014 and is Newsask’s Zone 5 representative. Gary is a current K40 member and current Board member for Tisdale Minor hockey. He is a former Kinsmen member and refereed hockey for 25 years. He is a past coach for hockey and baseball and was on the provincial SIAST advisory board and Board member for OPET for 15 years. Gary is married, has two grown children and enjoys spending time with his grandchildren.

DIRECTOR: ALAN BISHOFF

Alan joined the Newsask Board on January 23, 2019 representing Zone 1 for the northern Village of Cumberland House. Alan is a Professional Engineer with a Teaching Certificate, Domestic Gas Fitter’s License, Power Engineer 4th class, Refrigeration engines, Journeyman Gas Welder, Journeyman Heavy Duty Repair and



currently in 4th year as Apprentice Electrician. He won Eecol Electric award for highest 2nd year marks in Saskatchewan in 2010-2011. He currently is self employed as a plumbing and heating contractor. He has been an instructor with Northlands College and has worked as an apprentice electrician and Project Superintendent with New Careers Corporation in Cumberland House and a Powerline Construction Project. He has been on the School Division board, town council and deputy mayor and enjoys playing recreation hockey and recreational paddling and metal fabrication.

DIRECTOR: JOHN KLYNE

John Klyne joined the Newsask Board on April, 2014 and is representing Zone 3. He works for Gabriel Dumont Institute based out of Nipawin but covers Northern Region I, Eastern Region I & II. He has sat on many different boards in the Region; Shore Gold Board Member, Nipawin Ethanol Plant Subcommittee member, Frist Nations and Metis Steering Committee (Cumberland College) as well as a Steering Committee member of the Nipawin Oasis. John is a single parent raising a teenage son.

DIRECTOR: HAZEL BERG

Hazel Berg joined the Newsask Board on May 12, 2017 and is representing Zone 6. She is a former Outreach Manager, North East Outreach and Support Services, Social Worker, Child and Family Service Supervisor, Ministry of Social Services and farmer. She is the CASW representative on council at the Saskatchewan Association of Social Workers and board member of the Canadian Association of Social Workers.

DIRECTOR: CHERYL LEN

Cheryl Len joined the Board on March 31, 2017 representing Zone 7 and she and her husband Ken reside in the town of Kelvington operating the Sportsman Motel. Cheryl worked with Mosiac Marketing and was a crew leader for Census 2016. She has volunteered for many positions including Medical Advisory Board, Economic Development Committee and Town Council from 2005-2011 including Deputy Mayor.

DIRECTOR: JEANINE HOLOWATUIK

Jeanine was nominated to the Board November 24, 2017 representing Zone 9. Jeannine is currently the Community Development Director with the Town of Hudson Bay, and previously was an employee of the NE Enterprise region. Jeanine’s community services include the Chamber of Commerce, Regional Park board member and Community Theatre Board member.



DIRECTOR FIRST NATIONS: VACANT

DIRECTOR METIS REPRESENTATIVE: DIANNE GENAILLE

Dianne Genaille was born and raised in Saskatchewan and has been a resident of Tisdale for the past 27 years. She has a Business Administration Certificate and is also certified as a Special Care Aide and Recreation Therapist. She has worked for the Kelsey Trail Health Region since March 1988 and during this time served on the CUPE Union as a Vice President and Steward. She has also worked as a Recreation Coordinator for Tisdale Housing Authority and was instrumental in setting up recreational programming for Tisdale and area.

Dianne is the President of the Tisdale Metis Local and she sits on the Metis Eastern Region II Board, as well as past Board member of Infinity Development Corporation. She has been a member of the Metis Nation since 1970 and has worked in the organization as an Aboriginal Family Alcohol Counselor.

Dianne is pleased to sit on the Community Futures Newsask Board as the Metis representative.

DIRECTOR YOUTH REPRESENTATIVE: VACANT



STAFF OF NEWSASK CFDC

JUDY CHILDS – CHIEF EXECUTIVE OFFICER

Experience:

• Community Futures Newsask – November 1990 to March 31, 2019 • Seventeen years administration experience, including 10 years in the Alfalfa

Industry: 3 years, Tisdale Alfalfa and 7 years, Saskatchewan Dehydrators Association and the Canadian Dehydrators Association

• Operated the Kipabiskau Regional Park Store in 1998 with seven students • Assisted my husband with commencing KC Financial Consulting and ongoing

support since May 2001.

Education:

• 1st year of Agriculture completed, related classes include Accounting, Communications I & II, Management Principles, Sociology, Ag Economics and Statistics

• 80 hour computer instruction course including DOS, ACCPAC, ver 5, Quattro Pro, Database III and Word Perfect 5.1

• 1991 – Improving Financial/Cash Management Skills • 1991 – Strategies For Success • 1991 – Beyond the Bottom Line – Course of Study in Business Finance &

Accounting • 1992 – Introduction to Economic Development for Saskatchewan Communities • 1992 – Innovative Community Leadership in the 90’s • 1993 – Management & Leadership Skills for Women • 1993 – Federal Business Development Bank Lending Workshop • 1993 – Gabriel Dumont Institute of Native Studies & Applied Research- Empowering

Northern Communities • 1993 – Prospecting • 1993 – Risk Assessment • 1994 – (EDAC) Economic Development Association of Canada, Year 1 University of

Waterloo • 1994 – Investment & Venture Capital Symposium • 1995 – How to Handle Negativity in the Workplace • 1995 – Project Management • 1995 – Managing Multiple Projects & Meeting Deadlines • 1995 – Helping Skills for Communities in Conflict • 1996 – Cultural Awareness Training • 1996 – Leading the Way/Strategies for Creating Sustainable Communities in the 21st

Century • 1997 – Thriving on Change Leadership Seminar



• 1997 – Lending Law and Realization Course- Donald Layh • 1997 – Microsoft Office 97 • 1997 – Sensitivity Training for Persons with Disabilities • 1998 – Strategic Management & Planning For Community Futures • 1998 – Pine Tree Management Skills – Management Skills for Front Line Managers

– Module I – Supervision • 1998 – Commercial Credit Training • 1998 – Farm Debt Mediation Service- Financial Review/Mediation and Farm

Consultation Service – Pathfinding/Financial Review Workshop • 1998 – Dealing Effectively With Unacceptable Employee Behavior • 1998 – Aboriginal Lending and Collections • 1999 – Create the Future CFDC/WD, Jasper, Alberta • 1999 – Lending/Realization Law Course • 1999 – Community Futures Achievement Program – Module 1 – Community Futures

in Perspective, Module 2 – Operations – Board & Staff • 2000 – The Exceptional Assistant Program Training • 2000 – IT Works Conference • 2000 – Quality Management Training • 2000 – E-Commerce Training • 2001 – Time Management • 2001 – Credit Union Lending Law Course - Donald Layh • 2001 – Conflict Management Skills – Cardwell Human Resources Predict Problem

Situations, Keep your Poise and Cool, Repair Damaged Relationships and Prevention and Mediation

• 2001 – Developing a Community/Regional Project • 2002 – Social Cohesion, Social Capital and Community Sustainability • 2002 – Community Based Organization Evaluation Workshop • 2002 – Disability Awareness Training • 2002 – An Overview of the Bankruptcy Process and the Orderly Payment of Debts –

Scharfstein Gobbings Walen & Fisher • 2002 – The Art of Negotiating- Negotiation Institute of New York • 2002 – Survey Development –Survey’s From Start to Finish- Statistical Consultation

Group, Statistics Canada • 2002 – Microsoft Word • 2002 – Addressing Disability Issues • 2002 – Microsoft Excel • 2002 – How to Mentor For Persons With Disabilities • 2003 – Interviewing Skills • 2003 – Book Keeping From a Shoe Box- Train the Trainer • 2003– Stress Management • 2004 – Understanding Financial Statements • 2005 – TEA Training Management & Board Overview • 2005 – Credit/Audit Module 7 • 2005 – Leadership Module 9



• 2005 – Credit Union/Coop Conference • 2005 – Credit Union Realization Law Course – Donald Layh • 2005 – A Lender’s Guide to Loans, Insolvency and Security Enforcement • 2005 – Effective Presentation Skills – Part I • 2005 – Social Economy Module • 2005 – Connections 2005 – Credit Unions/Cooperatives • 2006 – Presentations Skills Part II • 2006 – Proposal Writing • 2006 – (EDAC) Economic Development Association of Canada Year II - University

Of Waterloo • 2007 – Effective Use Of Bankruptcy in Security Realization • 2007 – BRIEX – Retail Development & Analysis • 2007 – Leadership Training Part 1 & II- July 5th & 13th • 2007 – Leadership Lessons Learned Sept. • 2007 – Managing Performance Aligning People to Strategy • 2008 – Marketing Discussions (Video Conference) • 2008 – SVCN Website Launch (Video Conference) • 2008 – Setting Performance Standards (Video Conference) • 2008 – SK Professional Development (Video Conference) • 2008 – Project Management • 2010 – TEA Mapping • 2010 – HR Train the Trainer • 2011 – Stats Canada – Turning Stats into Stories Workshop • 2011 – Go Forth training • 2011 – Marketing Business Statistics (VC) • 2011 – The Economy of Business Incubation and Incubation 101 • 2011 – Social Media (VC) • 2011 – Module 3, Financial Management of CFDC & Module 4, Legal

Responsibilities • 2011 – Sales & Marketing (CF Training, Saskatoon) • 2012 – Thought Patterns for High Performance Pacific Institute 2 days (Melfort) • 2012 – Aboriginal Recruitment and Retainment Feb 28th • 2012 – Enforcement & Money Judgment Act Seminar • 2012 – TOWES Training • 2012 – TOWES Test Administrator Certification – on line • 2012 – Tea 10 Training Video Conferencing • 2012 – How to Improve Your Community Competition • 2013 – TEA X Webinar Grid Session 1 & 2 • 2013 – CF Website CMS Training • 2013 – TEA X – Task Templates • 2013 – VC Business Infosource • 2013 – TEA X Tracking Leverage and Job with Outcomes • 2013 – Intersections For Growth Conference • 2014 – Principle of Effective Leadership Part 1-Professional Leadership Certificate



• 2014 – Principle of Effective Leadership Part 2- Professional Leadership Certificate • 2014 – Creating Effective Work Groups- Professional Leadership Certificate • 2014 – Social Media & All Your CF Provincial Marketing Tools • 2014 – Loan Trends & Legal Issues • 2014 – Making 2014 The Best Year for CF’s • 2014 – Interpersonal Communications- Professional Leadership Certificate • 2014 – Negotiation and Conflict Resolution – Professional Management Certificate • 2014 – Leading in a Diverse Environment- Professional Management & Leadership

Certificate • 2015 – Working with Entrepreneurs with Mental Health Concerns • 2015 – Adobe Connect/Accessing CF Training • 2015 – Orientation to New Content Management System • 2015 – TEA Optimization • 2015 – Coaching and Mentoring Employees- Professional Leadership Certificate • 2015 - HR Training – Humboldt • 2015 - Realization Law Course • 2015 - Effective Recruitment – Professional Management Certificate • 2016 – TEA Training • 2017 – SEDA conference and BRIEX training • 2017 – Intercultural workshop • 2017 – Board module training Module 2 and 11 • 2017 – Leading and motivating Employees • 2017 – Docuware training • 2017 – Don’t sweat the small stuff training • 2017 – CFLIP Lending training • 2017 – Adobe Connect 1.5 • 2017 – Portal Installation for the new 10.3 TEA • 2018 – Business Model Canvas training in Saskatoon • 2018 – TEA Client Portal Training • 2018 – Marketing Planning Meeting in Saskatoon • 2018 – Part 2 Marketing Planning Meeting in Saskatoon • 2019 – Collection Law Course in Saskatoon

Volunteer Positions:

• Toastmasters – Former Member • Tisdale Kinette Club • Tisdale Minor Ball – Treasurer and Division Head • Tisdale Minor Hockey & Ringette – Ringette Division Head • TUCS Graduation Co-Chairperson • Chairperson three years, Ethnic Food Booth, Doghide River Festival • Volunteer for Tisdale Honey Festival • Volunteer Judge for Adult & Youth Singing Competitions – Doghide River Festival • K-40 Member



• K-40 Secretary Treasurer 2014-2015

Other Positions:

• CFPS (Community Futures Partners of Saskatchewan) – Executive – Management Team – Two years.

• CFPS (Community Futures Partners of Saskatchewan) – EDP Committee Member from April 17, 2001 – April 30, 2004.

• Judge for the Business Plan Competition for the province – SIIT – Saskatchewan Indian Institute of Technologies – May 10, 2007 & 2008.

CINDY REAUME - LOANS MANAGER/BUSINESS ANALYST

Experience:

• Community Futures Newsask – March 1998 to January 2019 • Four Seasons Greenhouse – Weekend staff supervisor, assist with purchasing

inventory, staff scheduling and bookkeeping and assist with customer service. • Markwart Jewelers – Sales Clerk • Home Daycare – Child Care • Shear Image Hair Design – Hair Stylist, Assistant Manager • Cindy’s Hairstyling – Owner / Operator • Northern Refrigeration – Home Based Business/Receptionist & Bookkeeper

Education:

• Business Certificate 1 SIAST / Cumberland Regional College. Courses included Finance, Accounting, Communications, Marketing, Economics, Statistics, and Management.

• Computer Oriented: Windows 95, Windows 3.1, MS- Word 6.0, MS-Word 97, MS-Word 2000 MS-Excel, Power Point, MS-Access, Visual Basics, and Internet.

• Cosmetology Certificate, Marvel Beauty School Saskatoon. • 1998 – Commercial Credit Training • 1998 – FRED Training • 1998 – Team Building Seminar • 1998 – Aboriginal Lending Training Seminar • 1998 – Al Perkins Marketing Seminar • 1999 – Understanding Financial Statements - WD • 1999 – Legal & Accounting Issues for Small Business - Burningham • 1999 – Successful Selling Seminar - WD • 1999 – GST. & PST. For the Small Business • 1999 – Credit Union Central Lending Training • 1999 – Financial Analysis Training • 2000 – Tea Training • 2000 – E-Commerce Training



• 2001 – Quality Management Training • 2001 – E-Commerce Follow up Training • 2001 – Time Management • 2001 – Donald Layh Law Lending Training • 2001 – Scanner Training • 2001 – Canada Saskatchewan Business Service Center Training • 2002 – Disability Awareness • 2002 – Basic Bookkeeping – WD • 2002 – Conflict Management – Cardwell Human Resources • 2002 – Marketing Seminar – WD • 2002 – Survey Development • 2002 – Microsoft Word • 2002 – Addressing Disability Issues • 2002 – Microsoft Excel • 2002 – WD Training • 2002 - TEA IX Training • 2003 – The New Land System, Kirby Burningham, Tisdale • 2003 - Writing and Grammar Skills • 2003 – CSBSC Web Site Training • 2003 – Interviewing Skills • 2003 – Stress Management • 2003 – Realization Law Course – Donald Layh • 2003 – E-Business Canada Saskatchewan Business Service center • 2004 – Understanding Financial Statements • 2005 – TEA Training Creating Records –on line • 2005 – TEA Training Loan Records-on line • 2005 – TEA Training Amortization Schedule-on line • 2005– TEA Training Non Performing Loans- on line • 2005 – Credit Union Realization Law Course – Donald Layh • 2005 – Effective Presentation Skills – 1st ½ • 2005 – Social Economy Module • 2006 – Everyday Project Management • 2006 – Presentations Part II • 2006 – WD Performance Measurement Report Training • 2006 – Understanding Financial Statements • 2007 – TEA Overview • 2008 – Project Management • 2009 – Lending Law – Donald Layh • 2009 – Lending Criteria (Video Conference) • 2009 – Flexline Line of Credit Loans (Video Conference) • 2009 – CF & BDC Partnering in Turbulent Times (Video Conference) • 2009 – CED Projects – Take 'Em or Leave 'Em (CF Conference) • 2009 – Managing Info for a Small Business (Video Conference) • 2010 – Book Keeping From a Shoe Box



• 2010 – TEA Mapping by VC

• 2010 – Human Resource – Train the Trainer • 2010 – Tax Issues For Small Business by VC

• 2011 – Collections and Court, Saskatoon

• 2011 – Sales & Marketing (CF Training, Saskatoon) • 2012 – Thought Patterns for High Performance (Melfort) • 2012 – Aboriginal Recruitment and Retainment Feb 28th • 2012 – Enforcement & Money Judgment Act seminar June 28th • 2012 – TOWES training June 7th & 8th, 2012 • 2012 – TOWES Test Administrator Certification-on line • 2012 – TEA 10 Training video conference • 2013 – VC Training Introduction to Pricing & Costing • 2013 – VC Advanced Pricing & Costing • 2013 – VC Income Tax Basics • 2013 – TEA X Webinar Grid Session 1 & 2 • 2013 – CF Website CMS Training • 2013 – VC How you Know You are Making Money • 2013 – VC Accounting and Tax for Small Business • 2013 – VC Small Business Bookkeeping and Payroll • 2013 – TEA X Transaction Adjustment • 2013 – TEA X Webinar – Task Templates • 2013 – TEA X Tracking Leverage and Job with Outcomes • 2013 – Intersections For Growth Conference • 2013 – Principle of Effective Leadership Part 1 • 2014 – Principle of Effective Leadership Part 2 • 2014 – Social Media & All Your CF Provincial Marketing Tools • 2014 – Loan Trends & Legal Issues • 2014 – Making 2014 The Best Year for CF’s • 2014 – Interpersonal Communications • 2014 – Negotiation and Conflict Resolution • 2014 – Leading in a Diverse Environment • 2015 - Webinar – CF Performance Measurement • 2015 - Realization Law Course • 2015 - Effective Recruitment • 2015 – The Essentials of HR Law in Canada • 2016 – Payroll Law • 2016 –Authentic Leadership • 2016 - Understanding Financial Statements for Non-Financial Managers • 2016 - TEA Training • 2017 - Leadership Training – Obtained Certificate of Completion U of R • 2017 – SEDA conference and BRIEX Training • 2017 – Docuware Training • 2017 – Don’t sweat the small stuff training • 2018 - Business Model Canvas training in Saskatoon



Volunteer Position:

• 1997 – 1998 President of the Tisdale Skating Club • 1996 – 1997 Head Bingo Coordinator Tisdale Skating Club. • 1999 – Assistant Soccer Coach • 2000 – Team Mom – Recreational Volleyball

SHEILA PATTERSON - Employment Services Facilitator for Persons with Disabilities

Experience:

• Community Futures Newsask February 2004 to present • Job Coach-North East Supported Employment Program September 2003 to

February 2004 • Community Facilitator-Human Resources September 2003 to February 2004 • Home Program-Autistic child July 2003 to February 2004 • Teacher Assistant-SASKFEAT summer program for children with Autism 2003 • Teacher Assistant-Tisdale Middle and Secondary School 1998 to 2002 • Alderman-Town of Tisdale 1991 to 2003 • Figure Skating Instructor 1976 to 1998 • Sales Associate (Century 21)

Education:

• Teacher Assistant Certificate, SIAST Kelsey Institute • Asperger’s Workshop • Autism Workshop • “You, Me and the Kids” Workshop • Professional Assault Response Training • Saskatchewan National Sanitation Training Program • CPR/First Aid • Seven Steps to Effective Parenting • Level 1 Technical and Theory Courses (National Coaching Certification Program) • Clinic Conductors Course (Saskatchewan Figure Skating Association) • Real Estate 150 (Saskatchewan Real Estate Association) • 2005 – Supported Employment Strategies and Techniques-SIAST Kelsey –

Saskatoon, SK • 2005 – EDP Sensitivity Training – Moose Jaw, SK • 2005 – Effective Presentation Skills – 1st ½ • 2005 – Social Economy Module • 2006 – Everyday Project Management • 2006 – Presentations Part II



• 2006 – Proposal Writing • FASD Training Workshop Strategies and Supports • 2007 – National Supported Employment Conference; Destination Employment –

Learning Disabilities; Improving Supported Employment Outcomes for Individuals with Mental Illness; Job Developer Toolkits; Rural PEI – What’s working.

• 2008 – Providing Service to Customers with Disabilities (Video Conference) • 2008 – Creating an Inclusive Workforce (Video Conference) • 2008 – Building Business Partnerships Workshop • 2009 – Treaty Seven Community Futures-Disability Employment Conference • 2009 – MS2007 and MS Word 2007 (Video Conference) • 2009 – MS Excel 2007 (Video Conference) • 2009 – I am Accessible-Diversity in the Workplace (Video Conference) • 2010 – Focus on the 90% - Darcy Lang • 2011 – Supported Employment Conference in Regina sponsored by SETI • 2011 – SafeTalk (Suicide Alertness for Everyone) Melfort, SK • 2011 – Structured Interview Process (SARC) Saskatoon, SK • 2011 – Diversity: We are all Part of it. (Immigration Community Resource

Coordinator) • 2011 – Diversity: It’s the one Thing We all Have in Common (Valerie Pruegger,

Intercultural Interactions Inc.) Saskatoon, SK • 2011 – Standardized Admissions Training, Melfort SK—SARC • 2012 – Thought Patterns for High Performance (Melfort) • 2012 – June 7, 8, 2012 Essential Skills and TOWES Site Administrator Training-

SIAST Wascana Campus, Regina, SK • 2012 – TOWES Test Administrator Certification-on line TOWES • 2012 – Self Employment Resources for People with Disabilities-Video Conference. • 2013 – SARC Conference, Saskatoon SK

• 2013 – Making Business Your Partner • 2013 – The 3 C’s of Networking • 2014 – CASE Conference, Regina, SK • 2015 – Power of Meaningful Moments • 2017 – Career Practitioner’s Contact Conference • 2017 – Schizophrenia Presentation



CONNIE RUSTON – EXECUTIVE ADMINISTRATOR

Work Experience:

• 13 years Royal Bank Carrot River (Teller to Branch Admin Officer) • 9 years TA Jellicoe, CA • 9 years restaurant and sports bar owner and operator • Remote rig camp kitchen staff • Newsask Community Futures - Accounting Aug 2016-Jan 2019 • Newsask Community Futures - Executive Administrator Jan 2019-present

Education:

• Business Administration Certificate • 4th year Certified Management Accounting program • 2017 - Adobe Connect 1.5 training • 2017 – Docuware • 2017 – CF Webinar – Payroll Schedules and Hours of work • 2018 – TEA Client Portal Training • 2018 - Commongoals – Loan payments processing • 2019 – Commongoals – Online Application Portal for TEA 10 • 2019 – Commongoals – Managing Your Key Performance Indicators using TEA

outcomes • 2019 – Commongoals – Process to Customize Fields Using TEA Administration • 2019 – Commongoals – Integrating TEA with your Accounting Software • 2019 – Commongoals – Understanding Financial Products and How to effectively

utilize them in TEA • 2019 - Collection Law Course in Saskatoon • 2019 – Commongoals – Understanding Status Dates and how to effectively

utilize them in TEA. • 2019 – Commongoals – An Introduction to customizing Personal views • 2019 – Commongoals – Syndicated Loans using TEA’s Participation Module • 2019 – Commongoals – Credit Reporting from TEA



BEVERLY FOWLER – BUSINESS SERVICESOFFICER

Work Experience: • Legal Secretary with Ministry of Justice in Melfort Sk.,

• Legal Secretary with Burningham Eisner Law Office (now known as Tomi Law

Office),

• License Issuer / Administration at Johnston Agencies in Porcupine Plain,

• Night Auditor at Canalta Hotel in Tisdale Sk.,

• Manager/ Photographer with Photos Unlimited in Fort Frances Ontario,

• Newsask Community Futures – Business Services Officer Mar 2019-present

Education: • 2015: Cumberland College (online)- Administrative Medical Assistant-Certificate

• 2010-2011: PrairieView School of Photography: Winnipeg, MB. – Diploma

• 2008-2010: University of Manitoba – History program – Winnipeg Mb.

• 2003-2006: Confederation College- Architectural Technology – Thunder Bay,

Ont.

• 1999-2003: Westgate C.V.I.: High school Diploma- Thunder Bay, Ont.

Community Service: • 2013: Help with interior renovations for “4 Your Pets” Premium Pet Food, supply

and accessories.

• 2004: Haunted Halloween – Community center revival – Winnipeg MB.

• 1999-2002: Seasonal children’s soccer coach



CHAIRPERSON’S REPORT

OfficeoftheChairpersonAnnualReportoftheChairperson

May31,2019

DearCommunityFuturesNewsaskMembers:

2018/19wastakenasayeartorenewNewsask.Ithadbeenanumberofyearssincemuchchangehadtakenplaceintermsofhowtheorganizationfunctioned,andpositioneditselfforthefuture.WefeltitwasanidealtimeespeciallywithanewcontractfromWesternDiversificationtofocusonupdatingandreorganizing.WewereabletoutilizeworkcompletedbyaHumanResourcesconsultingfirmcontractedbyMeridianCommunityFuturestoguidetheboardinanalyzingourstaffingcomponent.Fromthisinformation,acommitteeoftheboardandGeneralManagertooktheleadonupdatingourstaffrequirementstobetteralignourstaffingcomponentandhumanresourcebudgettoourmandate.Alongwiththestaffreorganization,theboardhasalsofocusedonupdatingthePolicyManualtobetterreflectlegislationandcurrentindustrypolicies.Allofthishardworkwillprepareustobetterembracethefutureofthecorporation.Theupcomingyearwillseemoreworkonthepolicydevelopment,withafocusongovernancepolicies.ThenalongcamethedecisionfromJudyChildstoretireinMarch2019.Abitunexpectedbutanotherhurdletoclear.Toaddressthischallenge,theboardstruckanadhocselectioncommitteetobeginthesearchforanewChiefExecutiveOfficer.IttooktimebutweareverypleasedtoannounceTaylorWattwashiredasournewCEOwithastartdateofJune10th,2019.WewouldliketowelcomehimtoNewsaskandlookforwardtoworkingwithhimashebringsnewideasandenergytoNewsask.WhileweareinYear3ofourStrategicPlan,wehaveoptedtorevisitourgoalsfortheyearbasedoncurrentstaffandhavechosenverycarefullythecommunityopportunitieswhichweparticipatedin.OncewearebacktoafullcomplementandournewCEOiscomfortableinhisrole,wecanonceagainlookattheStrategicPlanwithrenewedfocus.Duringallthechangestakingplace,ConnieRustonhassteppeduptoanytaskneededandhassuccessfullymetthechallenges.TheBoardandIappreciateallhereffortstoensureNewsasksuccessfullycontinuesuntilallthestaffareintheirnewpositions.Inclosing,IwouldliketothanktheBoardandstaffofNewsaskfortheircommitmentthroughthepastyear.Ithasnotbeeneasybuttheyhaveallhelpedfacilitatetherevisionswhichhavetakenplaceoverthepastyear.AllthebesttoJudyinherretirement,mayyourretirementyearsbeasoutstandingasyouryearswithNewsask.

Bestregards,

KathyLindsay

Chairperson,BoardofDirectors



SUMMARY OF MINUTES

APRIL 1, 2018 TO MARCH 31, 2019

APRIL 2018

• That approval be provided to submit the Self Employment Program proposal and

budget in the amount of $10,000 for three participants. • That presentation of budget financial information for board meetings be provided

at the board table on 11x17 spreadsheet with gridline incorporated into the document for ease of viewing. On the web page the columns will be hidden so only current month income and expenses and totals with variances be presented.

• That Lindsay and Childs be voting members for SEDA, however any voting decisions will be brought to the Board for a decision.

• That letter be forwarded to Dorion providing her a deadline to respond as to whether she chooses to continue on the Board to the end of her term which is May 21, 2019 since she has missed three consecutive meetings.

MAY 2018

• Consensus from the Board to Demand the loan, stop interest charges and proceed

to seize and/or sue on the Promissory Note of Mill in White Fox and sue on the guarantee of the spouse.

• Consensus from the Board to Demand the loan, stop interest charges and proceed to seize and/or sue on the Promissory Note of Potato Farm in Carrot River and sue on the guarantee of the spouse.

• Consensus from the Board to Rescind the Demand on the loan of Potato Farm in Carrot River subject to Newsask receiving an Exclusionary Order under the Farm Security Act for a 2nd mortgage on the home quarter, subject to FCC and all creditors postponing on release of the two newer New Holland tractors to allow the client to sell them and use the money for planting his crop.

• Consensus from the Board to approve the syndicated loan in the amount of $58,500 from the Regular Investment Fund over 15 years at 8.5% for the first 5 years. SMEDCO will provide Newsask with their portion of the payment once the annual payment in the amount of $54,852.57 is received from the lead lender.

• That approval be accepted for the nomination by the communities of Luke Rae as youth representative to the Board of Directors.

• That approval to submit the annual performance report to WD by May 31, 2019 be provided.

JUNE 2018



• Consensus from the Board of Directors that all future agendas contain Policy Development as an agenda items – policy review and process for policy review.

• Consensus from the Board to make arrangements for payment of lawyer invoice incurred by Choquette and to draft a letter to Choquette to address the costs incurred on behalf of the Corporation as invoiced by Virgil Johnson.

• Consensus from the Board to remove Dorion from the Board with regrets due to no response from the letter of May 7 regarding her absenses from Board meetings and forward a letter to Zone 1 seeking nominations.

• Consensus from the Board that the amended NESEP Budget for July 1, 2018-June 30, 2019 be approved in the amount of $73,994.50.

• Consensus from the Board that the Allowance for Doubtful be approved as presented.

• Consensus from the Board that the BMA group benefits policy be accepted as presented.

• Consensus from the Board to remove 9.3 item iii, Grievance and Management Relations Committee of the Bylaws.

• Consensus from the Board to remove 13 3.3 – grievance procedure from the Policy and Procedures.

• Consensus from the Board to remove 22.1 Harassment policy be removed along with the complaint form replaced with the definitions of Harassment based on Prohibited Grounds and definition of the Personal Harassment as outlined in the OH&S recommended “Sample A: Harassment Policy for Saskatchewan Workplace” and replace policy 22.1 with Sample A – OH&S, including all definitions and Appendices and Page 21 – Complaints may be received by the GM or one board member designated by the Board. And Complaints requiring an investigation or mediation will be referred to an outside source for mediation.

JULY 2018

• That approval be provided by the Board to accept the loan application of $40,000 from the Regular Investment fund over a period of seven years at 9% for renovations to a hotel and Sports Bar with family restaurant within the hours allocated in Chelan.

• That approval be provided to accept the changes the lawyer presented on the Pari Passau for the Lake Resort, in that the participation agreement is with Visions North and SMEDCO, and the security is shared on a percentage basis.

AUGUST 2018

• That approval be granted for Childs to attend funeral of Elroy Trithardt, former CF GM, with travel expenses paid by the Corporation.

• That approval be granted to accept payments from client with Laser Machine in Porcupine Plain and continue with the current payment plan, subject to registering the client’s laser machine in BC where she has relocated to. The costs to complete this transaction will be added to the current loan.



• Refusal by the board to accept proposal of Nipawin Restaurant to release spouse’s guarantee on the loan.

• Approval be provided by the Board to accept the loan application of $134,919 (which consists of $53,280 new funds and $78,573 existing loan to be consolidated) for the purchase of a newer semi truck from the WD Repayable fund at 9% over five years for Trucking company in Tisdale.

• Approval be provided to make arrangements to prepare a Forbearance Agreement between Nipawin restaurant client and Newsask allowing client to make payments in the amount of $250 per week for a certain period of time and increasing the amount to the full payment of $1820 if achievable. Otherwise the Board will continue with legal action initiated.

SEPTEMBER 2018

• Consensus from the Board to take the Manager’s Report out of the Consent Agenda and place it following the Chairman’s Report.

• Approval be provided by the Board to demand the loan, stop interest charges and proceed to seize and/or sue on the Promissory Note of Bed and Breakfast in Aylsham unless the loan is up to date by November 30, 2018 or a suitable third party guarantor to Newsask is provided for additional funds.

• Approval provided by the Board to accept the loan application of Tree Removal client in Choiceland in the amount of $20,000 for purchase of a bucket truck with a 50-60 foot boom and man bucket at 9% over five years from the Regular Investment Fund.

• Approval provided by the Board to accept the loan application of Massage Therapy in Tisdale for $50,000 loan from the Regular Investment fund at 9% over seven year period subject to obtaining security on the equipment purchased and farm equipment and Farm Waiver signed by both client and spouse.

• Consensus from the Board that Policy 18.2 be amended to read “Loans greater than $30,000 shall be reviewed and recommended for approval from the entire Board. The GM has authority to approve loans up to $30,000.”

• Consensus from the Board that Board Tablet Policy 16.3 be changed to “In the event the tablet is not returned in good condition within 30 days for board members that have not completed their three year term, Newsask will pursue all avenues to recover the costs associated.

• Consensus from the board to no longer apply for the LMS contract for the 2019/2020 year, and that NESEP will be provided notice that the contract for 2018/2019 when fulfilled in June will be the last, therefore Newsask will not consider sharing in the administration support costs to be received.

• Consensus from the Board that Policy 16.5 Cheque signing be amended to read “Cheques presented for signature must be accompanied with the invoice and supporting documentation, including the account which the expense is being charged.The Chairperson, Vice Chairperson, Secretary-Treasurer or General Manager and the Loans Manager/Business Analyst or the second staff member designated as signing authority may jointly sign cheques for the corporation.”



• Discussion on Board Strategic Plan – Organizational structure review, Board structure review and Budget. Lindsay, Childs and McMunn will establish a special meeting to meet with the staff. October 24, 2018 a Board only meeting will be held to allow the review to be in place by November 1. A meeting will be held November 1 to provide staff a questionnaire to complete in private with their constructive ideas on how to improve the function of the organization, for consideration by the committee. The job posting is scheduled for November 1, and a decision will be made in December with February 1, 2019 the start date of the new structure.

• Consensus from the Board that CFS Representation be changed to current active board members, and current past board members will be informed of the new policy.

• Consensus from the Board for Ruston to sign in place of Childs for vacation relief. • Consensus from the Board to write off the balance of $251.83 due to timing factor

of interest for Nipawin Glass loan of which the building was sold and the remainder was written off.

• Consensus from the Board that Newsask discontinues the practice of paying the insurance and adding it to the loans of Loan accounts that have lapsed policies.

• Consensus from the Board that Policies 4.2, 4.3, 4.4, 4.5, 4.6, 4.7, 4.8 and 4.9 be removed from policy.

• Consensus from the Board that new job descriptions will be included as an appendix to the policy manual when complete.

• Consensus from the Board that Policy 5.6 Duration of Employment be removed as it is unnecessary as employment law must be followed.

OCTOBER 2018

• Approval granted from the Board to send in the WD report as submitted including

certification of signing officers. NOVEMBER 2018

• Approval provided by the Board to accept the loan application of Gym in Nipawin for start up assistance in the amount of $65,000 with first charge on the equipment valued at $47,912 and second mortgage on the building at 9% over ten years.

• Approval provided by the Board to accept the new loan for $150,000 from the Regular Investment fund at 9% for Massage and Pod in Tisdale instead of the $50,000 loan originally accepted in September. Security will be 1st mortgage on the building and first charge on equipment purchased and farm equipment with a Farm Waiver signed by both client and spouse.

• Approval provided by the Board for Childs to attend the marketing session in Saskatoon with expenses paid.

• Approval provided by the Board to accept the loan application for $41,000 from the Regular Investment Fund at 9% over ten years for Naicam Hair and Nail Salon with first mortgage on the building and security on the equipment.



• Consensus from the Board to: remove 3.9 from the Bylaws and Amend 4.3 Capacity – to include ix) If he/she has served a maximum of three complete terms of office of three years (total of nine years), as referenced in Article 6.1; and amend 4.5 Removal to more grammatically correct terminology, changing “which” to “that” and removing “within two years of the date of removal” as it is in contradiction to 4.3 which states no person shall be qualified to act or continue to act as a director viii) if he/she is removed from the Board by the Members; and amend 6.1 Term of Office to state that: The term of office for Youth, Metis Nation, and First Nation representatives are for three years; and change 6.3 Power of the board to change General Manager to Chief Executive Officers; and change 8.4 Chairperson: The Chairperson shall ii) Be the Chairperson of the Corporation and responsible for the operation of the Board of directors; and 9.1 Standing Committees – add A committee shall consist of at least three directors, one of whom must be a member of the Executive; and 9.3 Executive Committee remove Structure Mandates, and just name the Executive Committee; and remove all other bullets under this section including those under “The Executive Committee shall oversee”; and remove all of iii) GMRC.

• Approval provided by the Board to demand the loan, stop interest charges and proceed to seize and/or sue on the Promissory Note of the Ag Mechanic in Arborfield and waive the ten day waiting period. Childs will send a letter to Schapansky Auctioneers stating that the Corporation holds PPSA security on inventory and equipment.

• Approval provided by the Board to accept Lindsay’s nomination to the Board. • Approval provided by the Board to accept Genaille’s nomination to the Board. • Approval provided by the Board to excuse Rae from missing three meetings. • Approval provided by the Board to accept Staff Job Description salaries as

presented. • Approval provided by the Board to pass along to NESEP assuming it operates

under a new Non-Profit entity all training materials and historical records and the documents are cleared by LMS that Newsask retains what is required for past contracts in case of audit. The Board’s position on renting space to NESEP as a new entity is that we need to use our space and resources to better align with the overall mandate of supporting small business development, economic development and entrepreneurship.

• Approval provided by the Board to proceed with reigniting the demand on Trucking in Naicam.

DECEMBER 2018

• Approval provided by the Board to allow the sale of assets the Corporation holds for security on the Mill in White Fox, and that all proceeds come to Newsask directly and that a follow up letter acknowledging payment stating that the amount owing, as demand to Newsask, remains due and owing. A letter will be sent to each of the principle borrower and the guarantor.

• That the motion to demand the loan and proceed to seize and/or sue on the Promissory Note of Bed and Breakfast be implemented and all legal documents



forwarded to Brooks Mack Law office to proceed with the demand since the expiry date of November 30 is now past.

• Labour Standards Seminar December 12, 2018 had 24 attendees.

January 2019

• Approval provided by Board for a maximum of two staff and five Board Members to attend the SEDA conference in Regina with travel and meals compensated and hotel paid by the Corporation Credit Card.

• McMunn volunteered to head recruiting process for new CEO. She will send out ads and short list prospects for a volunteer committee to review and interview. Approval provided by Board to accept CEO Recruiting Committee of volunteers Berg and Len and Cleaveley volunteered to be an alternate.

• Approval by Board on accepting proposal of Darn Computer for new server at $8600 plus tax.

• Consensus of the Board to present a bill to Chief Wally Burns for the cost of the tablet that he did not return, since he did not fulfill his term as director and has not responded to requests for it.

• Approval provided by Board to accept Rae’s resignation with regret as Youth Rep director.

• Approval by Board to amend the 2019-2020 Budget to increase Board Travel expenses due to the extra committees required for restructure and recruiting a new CEO.

• Approval by Board to amend Resolution of Directors to allow CEO and the Designated Staff Member of the Corporation to jointly sign cheques.

• Approval by the Board at Board Only Meeting to pay the legal fees incurred to MLT Atchins.

• Approval by the Board at Board Only Meeting to accept the voluntary resignation of Reaume.

• Approval by the Board at Board Only Meeting to not hire a new BDO until the new CEO is in place.

• Approval by the Board at Board Only Meeting to accept the retirement of Childs with regret.

• Approval provided by Board of operating plan and targets. • Denial of the Board to the proposal of the Aylsham Bed and Breakfast and in

addition the Board is not willing to entertain any further proposals, since the demands were not met by November 30, 2018.

FEBRUARY 2019

• Approval of the Board for Childs to attend the 2nd half of the marketing session on March 18, 2019 with all expenses paid by the Corporation.

• Approval of the Board to accept the new offer in the amount of $42,500 US for the sale of equipment of the Mill in White Fox, with the proceeds coming directly to Newsask to be applied to the loan, provided a bill of sale is provided and a letter



is forwarded to the client indicating the onus is on them for the GST payable to CRA.

• Approval of the Board to proceed with the seizure and selling of the inventory of Ag Mechanic of Arborfield at Schapansky’s sale in the spring out of principle. The Board recognizes that there is a risk that the costs to do so could not be recoverable due to RCT.

MARCH 2019

• Consensus of the Board that the Board Face to Face Meeting Minutes be moved from the Consent Agenda to #4 Minutes from Prior Meeting thus forth.

• Approval of the Board to amend Policy 18.7 Personnel Procedures – Loans and Lending – Cut off Date for Loan Applications – Any loan applciations may be brought to the Board by email or presented at the next Board meeting with all relevant information presented and approved by quorum.

• Approval of the Board to amend Bylaw $5.3 Manner of Giving Notice to remove “telex, fax, telegram or cablegram or email” to read “by fax or email”

• Approval of the Board to participate in Thrive loans as presented which are community revitalization loans offered at 8%.

• Approval of the Board to write off the legal fees of $3,058.27 that were added to the Melfort Accounting client loan after the settlement was received and the balance of the loan was written, as settlement specifically stated legal fees to be written off.

• Approval to accept as presented the amendment of the SE contract February 12, 2018 to $5,670.

• Approval to accept the NESEP Budget and proposal for July 1, 2018 to June 30, 2019 as presented.

• That Policy no 18.2 “The Executive and/or their representative will approve loans up to a maximum by the Executive for approval from the entire Board” be removed.

• Approval for all Board members and up to two staff members to attend the SEDA conference, which includes costs of training and travel.

• Approval to accept performance appraisal and increase as presented in the budget backdated to January 1, 2018 for Childs.



NEWSASK GOALS AND OBJECTIVES

Mission Statement: - Working to achieve entrepreneurship in business and

communities in the north east.

Goals: Newsask CFDC will

1. Maintain & Increase Lending Volume

2. Maintain and Expand Programs and Revenues from other sources

3. Increase and Maintain Youth Engagement

4. Board and Staff Development

Initial Inquiries

FISCAL YEAR NON SEB SEB TOTAL

APR 90 – MAR 91 128 49 177

APR 91 – MAR 92 191 96 287

APR 92 – MAR 93 324 203 527

APR 93 – MAR 94 490 257 747

APR 94 – MAR 95 488 210 698

APR 95 –MAR 96 497 145 642

APR 96 – MAR 97 502 198 700

APR 97 – MAR 98 659 152 811

APR 98 – MAR 99 694 182 876

APR 99 – MAR 00 797 39 836

APR 00 – MAR 01 *1,151 9 1,160

APR 01 – MAR 02 *1,806 22 1,828

APR 02 – MAR 03 *1,196 20 1,216

APR 03 – MAR 04 *2,409 18 2,427

APR 04 – MAR 05 *2,480 27 2,507

APR 05 – MAR 06 417 + *56,145 12 56,574

APR 06- MAR 07 557 + *14,830 11 15,398

APR 07 – MAR 08 667 + *17,882 14 18,563

APR 08 – MAR 09 302 + *19,519 9 19,830

APR 09 – MAR 10 521 +13,585 19 14,125



APR 10 – MAR 11 1109 + 33711 11 34,831

APR 11 – MAR 12 942 + 39,283 4 40,229

APR 12 – MAR 13 421 + 57,152 4 57,577

APR 13 – MAR 14 461 + 52,238 3 52,702

APR 14 – MAR 15 243 + 50,129 2 50,374

APR 15- MAR 16 524+ 44,933 6 45,463

APR 16- MAR 17 359 + 3,322 3 3,684

APR 17- MAR 18 260 + 26,170 4 26,434

APR 18 – MAR 19 188 + 16,170 0 16,358

TOTAL 465,852 1,725 467,577

*Includes successful hits on Website

2012-2013 Visits WEB SITE Facebook Kijiji CF Website Total 57,843 628 1,025 -

2013-2014 Visits WEB SITE Facebook Kijiji CF Website

Total 52,238 1,941 713 15,838

2014-2015 Visits WEB SITE Facebook Kijiji CF Website Total 50,129 30,281 298 19,550

2015-2016 Visits WEB SITE Facebook Twitter CF Website Total 44,933 Not Tracked 5,514 44,933

2016-2017 Visits WEB SITE Facebook Twitter CF Website Total 3,322 Not Tracked 5,098 3,322

2017-2018 Visits WEB SITE Facebook Twitter CF Website Total 26,170 Not tracked 1,327 26,170

2018-2019 Visits WEB SITE Facebook Twitter CF Website Total 16,170 246 7,811 111,387



Newsask is now under the CFS Website where all the CF’s in Saskatchewan

information is tracked. The web site hits are much lower, due to the following: One of

the challenges with Google's stats as, in many cases, a percentage of hits are from bots

that may no longer be active, or bots that Google finally created filters/blockers for us.

Our best bet would be to filter hits by geolocation/country at the very least to provide a

more accurate representation ... a lot of bots tend to come from Eastern European

countries. The staff have the instructions how to obtain this information through google

analytics.

(Definition of bot: An Internet bot, also known as web robot, WWW robot or simply bot, is a software application that runs automated tasks (scripts) over the Internet.)

TECHNICAL SERVICES

Technical services are an integral part of Newsask’s day-to-day activities. The service includes development of business plans, assessment of the viability of a business proposal; financial projections; computer services; bookkeeping assistance; guidance and liaison to other assistance programs (private or government); analysis of financial information of existing businesses; advice on legislative and regulatory requirements for business; management assistance; monitoring and support. Access to a large library of business resource materials, publications, audio and video programs and books are a great source of information for many clients. We utilize Square One regularly and PCensus information to assist clients with their business plans and feasibility. Twelve E-books are listed on our webpage that are free of charge to the client’s that provide information on different business topics. An area of increased activity for CFDC staff is client counseling and business training. A service that is provided is a “business review”. Philosophy- Provide a business review as a business retention strategy and to enhance and ensure success of the business.

In 2018/19 technical services created and maintained thirteen full-time and three part-time jobs and levered 1,750,000 in the Region. Newsask staff prepared a total of eighteen business plans in the past fiscal year. Staff performed counseling and research activities for an additional 399 clients. In addition, Newsask was very active in Community Development Activities/Projects leveraging $436,337. in the region.

The following are some of the activities that staff and the Board of Director’s have participated in during the fiscal year:

April 2018:

• April 18 Board Meeting • Cannabis in the Workplace Workshop • YBEX Awards in Tisdale • CFS Meeting



May 2018: • Janke Jellicoe Annual Audit • YBEX Awards in Tisdale • Yellow Quill Career Fair

June 2018: • NESEP Board Meeting • Regional EDO Committee Meeting • Newsask Annual General Meeting

August 2018: • Regional EDO Meeting

September 2018:

• Managers Meeting in Saskatoon • Regional EDO Meeting 1000 Miles of Snow • OnLine Presence Workshop in Hudson Bay

October 2018:

• Challenge for Communities project

November 2018: • Marketing Planning Session in Saskatoon • Embracing Diversity Workshop • November 21 Board Meeting • 1000 Miles of Snow meeting

December 2018: • Regional EDO Meeting: • Managers Meeting in Saskatoon • Labour Standards Seminar

March 2019: • Career Fair Melfort • Managers Meeting in Saskatoon • 2nd half Marketing Planning Session in Saskatoon



NEWSASK SUMMARY OF ACTIVITIES

90/00 00/01 01/02 02/03 03/04 04/05 05/06 06/07 07/08 08/09 09/10 10/11 11/12 12/13 13/14 14/15 15/16

16/17

17/18

18/19

Total

Business

Plans

Prepared

388 43 32 22 30 29 26 28 27 23 31 33 25 24 27 18 27

15

10

18

876

Loans

Processed

(disbursed)

211 13 11 13 7 *15 *7 8 7 8 7 13 16 12 10 14 17

11

12

10

422

SEB

Clients 154 9 2 4 12 4 5 6 14 8 15 11 8 4 2 2 6

3

4

0

269

Funds

Leveraged

(All

Programs)

$2

0,6

17

,13

1

$1

,01

0,2

19

$5

70

,56

7

$9

85

,45

5

$2

95

,58

1

$5

09

,16

7

$1

,71

0,1

65

$2

,43

0,7

73

$8

48

,67

6

$4

13

,00

0

$9

30

,00

0

$8

32

,80

0

$6

75

,56

5

$2

,95

45

00

$1

,02

7,4

60

$6

10

,20

7

48

7,7

80

30

5,0

00

10

5,0

00

2,2

64

,06

0

39

,58

3,1

06

Training &

Research

Clients

1,298 184 1828 752 520 582 593 568 471 302 540 798

10

08

16

09

1,9

16

20

91

52

4

27

5

50

0

59

6

16

,70

6

Community

Developme

nt Activities

625 165 81 199 80 75 102 96 96 88 74 115 122 83 93 88 61

14

93

104

2454



1990 – To March 31, 1996 combined as one total

Observations That May Affect Activity

• Generally a high percentage of Self Employment Clients receive loans from Newsask. This year there were no SE clients placed on the SE Program. We believe the SE Program has been successful due to the fact the philosophy is that if we are going to place a client on the program, then we should be prepared to loan to the client as well. Most lending institutions would not lend to these clients due to the fact that they are developmental loans and have no history.

• We no longer consider ourselves a last resort lender and have become more of a partner with lending institutions, real estate agencies, insurance agencies, accountants etc. We have lent out over $14,645 million and levered $40,315million in the region which confirms that we are an effective partner with other lending institutions and communities in business development.

• “Eighty percent of businesses fail in the first five years. By contrast, eighty percent of businesses that have participated in a business competition succeed after five years.”1Horizons Magazine Volume 1, Issue 2, 2011 (Regina Regional Opportunities Commission). Accordingly, the Board continues to support the Youth Business Excellence Awards in the region.

• Encouraging clients to take Go Forth Institute training which is the first integrated online business training offered for entrepreneurs. The client learns 100 Essential Small Business Skills in 10 web video modules. The Go Forth program will be online in the coming year.

• CFP (Community Futures Performance) report round 7 (2009-2014) completed by March 2018. The data demonstrates Community Futures organizations’ lending activity is making a difference. Although the comparable group continues to lend to a slightly more diversified clientele base, the CF organizations have made further strides in diversifying their clientele, according to the Herfindahl Index. CF assisted firms outperformed the comparable group in terms of job growth, firm longevity, and sales growth. The overall trend of labour productivity is both increasing and stable for CF-assisted firms.CF loan clients may remain less productive than the comparable group but the gap between the two shrunk slightly in 2014, showing that CF assisted firms’ productivity is growing at a marginally higher rate than that of the comparable firms’. The reason for the gap in productivity is unclear, but it is likely due to lower economies of scale in younger CF assisted firms.

• It should be noted that CF loan clients rebounded from recessionary impacts following the financial crisis of 2008 better than similar firms that did not receive CF lending. Year by year, CF assisted firms also proved capable of outperforming comparable firms in both business survival rates and year-to-year sales growth. Further analysis should continue to evaluate how each group performs over time, and whether or not the trends will deviate with time.



INVESTMENT FUNDS

Newsask had eleven loan applications approved in 2018/19, equating to $658,839. As of March 31, 2019, ten new loans had been disbursed in the amount of $530,545. These loans created and maintained 16 equivalent jobs. In analyzing the loans approved this year, three loans were repeat clients.

As at: March 31, 2019

Non Repayable Investment Fund

Repayable Investment Fund

Disabilities Investment Fund

Total

Total Investment Fund Assets at end of year

$2,694,261 $819,162 $308,728 $3,822,151

Cash on Hand (before commitments) $1,412,266 $ 165,484 $ 91,296 $1,669,046

Loan Commitments $ 120,000 $0 $0 $120,000

Balance to Lend Out $1,292,266 $ 165,484 $ 91,296 $1,549,046

Loans Receivable at Year End $1,848,505 $1,078,703 $ 65,796 $2,993,004

CFS Lending Pool $0 $0 Allowance for Doubtful Accounts at Year End

$ 447,000 $ 263,000 $0 $ 710,000

Bad Debt Expense for Fiscal Year End $ 166,570 $ 184,298 $0 $ 350,868

Non Repayable Investment Fund

Repayable Investment Fund

Disabilities Investment

Fund Total

# of Loans Disbursed 7 3 0 10

Value of Loans Disbursed $351,153 $179,392 0 $530,545

Number of FT/PT Jobs Created or Maintained

12.5 5 0 17.5

Funds Leveraged $436,337 $ 0 $0 $ 436,337



NEWSASK COMMUNITY FUTURES DEVELOPMENT CORPORATION

FOR PERIOD FROM APRIL 1, 1990 – MARCH 31, 2019 INVESTMENT FUND AND TECHNICAL SERVICES STATISTICS

APR/18 TO MAR/19

APR/90 TO MAR/19

A) Number of businesses started and operating through investment, SBLA, or technical services. 7 754 B) Number of full-time jobs actually created or maintained through businesses started because of disbursed loans or technical services.

10 1,233

C) Number of part-time jobs actually created or maintained through businesses started because of disburses loans or technical services.

6 562

D) Number of loans and LOC’s approved 11 509 E) Number of loans and LOC’s disbursed. 10 381 F) Total dollar value of loans approved. $658,839 $20,916,012 G) Total dollar value of loans actually disbursed. $530,545 14,645,518 H) Months of Operation. 12 348 I) Operating dollars committed to program. $297,669 $7,678,875 J) Average dollar amount for each job created. Calculated by dividing total operating dollars plus loan loss by total jobs FT/PT created/maintained. (I +N) / (B + 1/2C).

$40,799 $5,961

K) Total funds levered by technical services or loans disbursed. $2,274,060 40,315,144 L) Average dollar amount of each loan disbursed. (G/E) $53,054 $45,550 M) Total number of volunteers serving as Board Members. 10 228 N) Total loan loss for period, principal only. $232,723 $1,346,547 O) Percent loan loss (N/G) 43.8 % 9.1% P) Average Investments per job created (G/(B+1/2C)) 40,811 9,673 Q) With the New reporting to WD they are requesting number of contacts the calculations from the WD quarterly reports state Number of clients served

188 328,309

R)Web Site Hits 16,170 90,595

Note: Statistics include loans, technical services, projects & leveraged funds from loans, as well as technical services that resulted in the client to obtaining, the funds from another financial institution.



SELF-EMPLOYMENT PROGRAM As of 1999 the Self Employment Benefit Program (SEB) was transferred from the Federal Government to the Provincial Government. Guidelines and criteria have been developed and as such, the program has been altered and is now called Self Employment for the Unemployed. As a result, Newsask’s role has changed to provide assessments, monitoring, & mentoring of the clients, while the program is administered by Saskatchewan Ministry of Immigration and Career Training.

The new Self Employment Program objectives are to provide potential entrepreneurs with the skills and knowledge necessary to start and successfully operate a business and is designed to assist unemployed individuals to create and maintain self-sustaining jobs through the self-employment option. Under the new changes, the Ministry of Immigration and Career Training pre-screens clients and determines whether or not they qualify for the program. Since the changes in the Program, Newsask has seen a dramatic decrease in the number of people entering the program. In this fiscal year, two clients were interviewed, but neither went through with the program.

Since commencement of the program in July 1992, Newsask has assisted in training clients to start 250 businesses in Northeast Saskatchewan. These starts created 213 full-time and 142 part-time jobs. Fifty-Six of the SEB clients have accessed funding from Newsask during this period.

Clients are referred to the program from a variety of agencies/corporations throughout the region. As well, services are advertised through promotional brochures, newspapers, radio ads and presentations made to community groups and associations. The utilization of a webpage and face book is another source of advertising.

As part of the process, Newsask assists SE participants in establishing a viable business plan prior to the start of the business. The development of a sound business plan will act as a guide to assist clients in the development of their business. In addition, financial institutions will use the business plan when considering lending to businesses. Newsask utilizes the plan to monitor the client and the business.

Training is recommended in the assessment that is completed by Newsask staff and final approval is handled by Saskatchewan Ministry of Immigration and Career Training in its entirety. Training is offered through the GoForth Institute or directly from a Community Futures office. The GoForth modules that provide 100 essential small business skills are currently being updated to online access instead of the paper modules.

Newsask Community Futures Development Corporation is committed to assisting business growth in North East Saskatchewan and will therefore continue to provide technical and advisory assistance to Self Employment participants after they have completed the Self Employment Program.



SELF-EMPLOYMENT PROGRAM STATISTICS April 1, 1992 – MARCH 31, 2019

APR/18 TO MAR/19

JUL/92-MAR/19

A) Number of SE client started. 0 237

B) Number of businesses started. 0 250

C) Number of businesses still operating from original number started (Fulltime & Part-time). 0 Unknown

D) Percent of Businesses still operating. 100% Unknown

E) Number of full time jobs originally created. 0 212

F) Number of part time jobs originally created. 0 141

G) Total jobs created (E + F). 0 353

H) Number of SE clients accessing funding from CFDC Investment Fund. 0 55

I) Total dollar value of loans disbursed to SEclients.

$0 $1,493,631

J) Months in operation. 12 269

K) Operating dollars committed to the Program. $3,340 $1,041,614

L) Total benefit costs for all EI clients. Unknown Unknown

M) Average benefit cost per client (M/A). Unknown Unknown

N) Average cost per job Created ((L+M)/G) Unknown Unknown

O) Total funds levered by SE Activities. $0 $5,185,841



NORTHEAST SUPPORTED EMPLOYMENT PROGRAM (NESEP) The objective of the NESEP is to increase employment for individuals with disabilities in the North East region. This is achieved through education of the business and government sector, training and employment of individuals with disabilities with an employer, and in some cases entrepreneurship by individuals with disabilities.

1. Employment: To provide employment services for job seekers with disabilities.

2. Entrepreneurship: To provide support and resources for small business development for persons with disabilities. (Referrals are made to Newsask).

3. Educate: To promote awareness within the community, business, consumer and government sectors.

An eligible trainee is a person that self-identifies as having a disability, between 18 and 64 years old, out of the school system and who is experiencing difficulty in obtaining and maintaining employment due to their disability. The program uses the following definition of a person with a disability: “persons who have a long-term or recurring physical, mental sensory, psychiatric or learning impairment and whom a) considers themselves to be disadvantaged in employment by reason of the impairment, or b) believes that an employer or potential employer is likely to consider them to be disadvantaged in employment by reason of that impairment (http://www.chrc.ca/barrier/definition2.htm).” This definition is obtained from the Employment Equity Act, revised in 1996. Only persons residing in the region are able to access the program services.

The program’s services are designed to assist persons with disabilities or multi-barriers to support to support transitions to employment and job maintenance. Employment/self-employment services are provided on an individual basis unless a group setting is appropriate for the trainee. These services are flexible and tailored to meet the specific needs of each individual. This includes timeframes that are appropriate to the individual’s success, needs and the type of services provided. Trainee action plans are developed with each trainee clearly identifying the services to be provided to the trainee to assist them in reaching their goals.

EMPLOYMENT/SELF EMPLOYMENT SERVICES

The main services offered, focus on skills and supports required to link with specific employers and employment position or business development options. This program focuses on providing the following services to persons with disabilities or multi-barriers to support that will assist them in gaining or improving upon employability skills, which ideally, will guide them toward self-sufficiency in their occupational life:

1. Co-ordinate assessment and review individual’s job interests and abilities and match with appropriate employment.

2. Provide an individualized action plan outlining supports and services required for successful transition into employment.



3. Employment preparation activities to meet individual’s needs, such a resume preparation, job search strategies, interviewing, work related social skills, and labor standard and human rights information.

4. Liaison with families, other service providers, job coaches and employers. 5. Research community resources to identify potential employment opportunities.

Liaison with business community. Assist employers to develop appropriate job opportunities.

6. Develop an understanding and appreciation of the special training needs of people with disabilities with prospective employers.

7. Assistance with arranging and securing funding for job accommodations including access to job coaching services as required.

8. Negotiate appropriate and individualized employment placements that may include wage subsidies, job coaching or other supports as required.

9. Provide access to information and referral to organizations that can assist trainees with more extensive employment preparation or support.

10. Co-ordinate ongoing supports and follow-up as required to maintain the participants in long-term employment.

11. Educational development and referrals or assistance applying to schools. 12. Maintain a current database of available employers and employees. 13. Provide the opportunity to access a range of employment services through a

variety of software tools, databases and the World Wide Web. 14. Provide small business development resources and supports through Newsask

CFDC. 15. Access to small business loans through referral to Newsask Community

Futures Development Corporation programs and services.

The Advisory Board of the NESEP consists of the following collaborating partner groups and organizations:

• Porcupine Opportunities Program, Porcupine Plain, SK

• Handi Works, Nipawin, SK

• Plus Industries, Melfort, SK

• Saskatchewan Association for Community Living

• Ministry of Social Services: Community Living Service Delivery Branch

• Mental Health and Addiction Service: Kelsey Trail Health Region:

• Newsask Community Futures Development Corporation



North East Supported Employment Program Program Statistics 1999-2018

1998-2001

2001-2003

2004-2005

2005-2006

2006-2007

2007-2008

2008-2009

2009-2010

2010-2011

2011-2012

2012-2013

2013-2014

2014-2015

2015-2016

2016-2017

2017-2018

2018-2019

Program Inquires 175 95 60 57 53 54 50 54 55 48 40 55 39 33 25 28 24

Intake Interviews 27 39 23 25 22 21 29 26 24 32 28 18 11 17 15 13

Entered Program 114 35 22 15 18 15 17 18 24 18 27 27 30 11 14 19 12

Left Program 43 55 23 16 18 25 22 20 30 22 26 28 11 29 16 0 1

Self-sufficient and left program

5 18 10 4 5 2 8 4 6 4 3 8 3 8 4 3

0

Trainees hired this year

72 49 31 33 30 34 23 20 33 22 20 17 17 6 12 10

7

Trainees left jobs this year

50 32 20 16 15 16 11 9 14 9 10 7 6 3 1 6

2



NEWSASK STATISTICS ZONE BY ZONE FOR THE PERIOD APRIL1, 2018 TO MARCH 31, 2019

LOAN PORTFOLIO ONLY

Board Mem/Zone

# OF LOANS DISBURSED SEP STARTS

BUSINESS PLANS

PREPARED $ LOANS

DISBURSED

TOTAL FT/PT JOBS CREATED/

MAINTAINED

TOTAL FUNDS

LEVERAGED

Bishoff ZONE 1 0 0 0 $0 0 $0

Lindsay ZONE 2 1 0 4 $100,000 3 $0

Klyne ZONE 3 2 0 2 $88,700 1 $312,362

McMunn ZONE 4 2 0 2 $45,900 4 $ 0

Cleaveley ZONE 5 2 0 4 $158,992 2.5 $0

Berg ZONE 6 1 0 1 $43,420 1 $12,375

Len ZONE 7 1 0 0 $52,733 2 $

Vacant ZONE 8 1 0 1 $40,800 4 $111,600

Holowatuik ZONE 9 0 0 0 $0 0 $0

TOTAL 10 0 14 $530,545 17.5 $ 436,337

2017/2018 Annual Report


NEWSASK COMMUNITIES AND THEIR POPULATION (2006 and 2011 Census; Statistics Canada)

(June 30, 2015; Ministry of Health*)

Zone #1: 2016 2015* 2011 2006 Village of Cumberland House 671 815 772 810 Cumberland House Cree Nation 795 792 715 595 Total Zone #1: 1,466 1,607 1,487 1,405

Zone #2: 2016 2015* 2011 2006 Village of Aylsham 65 131 71 92 Town of Arborfield 312 466 326 329 Town of Carrot River 973 1,658 1,000 941 Village of Zenon Park 194 273 187 192 RM of Arborfield 343 148 453 429 RM of Moose Range 1,000 448 1,131 1,806 Total Zone #2: 2,887 3,124 3,168 3,789

Zone #3: 2016 2015* 2011 2006 Town of Choiceland 359 547 381 346 Village of Codette 198 396 205 221 Village of Love 50 115 65 55 Town of Nipawin 3,989 5,600 4,265 4,076 Village of Smeaton 182 285 181 183 Village of White Fox 355 627 364 348 RM of Nipawin 1,004 323 1,030 1,151 RM of Torch River 1,471 827 1,468 1,559 Red Earth Cree Nation 334 1,054 389 383 Shoal Lake Cree Nation 424 514 622 545 Total Zone #3: 8,366 10,288 8,970 8,867

Zone #4: 2016 2015* 2011 2006 Village of Beatty 60 57 63 61 Town of Kinistino 654 823 743 643 City of Melfort 5,778 6,590 5,576 5,192 Town of Star City 387 631 460 428 Village of Weldon 197 226 196 205 RM of Star City 918 392 911 936 RM of Flett Springs 732 373 751 736 RM of Kinistino 554 657 531 713 James Smith Cree Nation 743 1,289 674 708 Total Zone #4: 10,023 11,038 9,905 9,622

Zone #5: 2016 2015* 2011 2006 Town of Tisdale 3136 4,021 3,180 3,000 Village of Ridgedale 55 82 80 66 Village of Valpraiso 15 RM of Tisdale 911 502 916 919 RM of Connaught 586 591 629 656 RM of Willow Creek 630 716 693 719 Kinistin Saulteaux Nation 321 400 365 271 Total Zone #5: 5,654 6,312 5,863 5,631

Zone #6: 2016 2015* 2011 2006 Village of Lake Lenore 284 Town of Naicam 661 896 686 690 Village of Spalding 244 367 242 237 Village of St. Brieux 667 857 590 492 Village of Pleasantdale 76 RM of Spalding 453 211 447 425 RM of Pleasantdale 596 407 611 607 RM of Lake Lenore 587 Total Zone #6: 3,568 2,738 2,576 2,451

Zone #7: 2016 2015* 2011 2006 Village of Archerwill 166 453 200 185 Village of Fosston 45 93 55 55 Town of Kelvington 834 1,095 864 866 Town of Rose Valley 282 542 296 338 RM of Kelvington 398 167 499 514 RM of Ponass Lake 422 199 527 618 RM of Barrier Valley 431 211 498 576 Yellow Quill First Nation 50 659 547 420 Total Zone #7: 2,628 3,419 3,486 3,572

Zone #8: 2016 2015* 2011 2006 Village of Bjorkdale 201 354 199 201 Village of Mistatim 101 180 73 89 Village of Weekes 40 164 42 55 Town of Porcupine Plain 862 1,374 855 783 Village of Carragana 39 57 - - RM of Porcupine

803 392 920 949

RM of Bjorkdale 851 363 900 997 Total Zone #8: 2,897 2,884 2,989 3,074

Zone #9: 2016 2015* 2011 2006 Town of Hudson Bay 1,397 2,363 1,504 1,646 RM of Hudson Bay 1,114 716 1,122 1,359 Total Zone #9: 2,511 3,079 2,626 3,005

Total Newsask Population: 2016 2015* 2011 2006 40,000 44,489 41,070 41,416



0

2000

4000

6000

8000

10000

12000

Zone1 Zone2 Zone3 Zone4 Zone5 Zone6 Zone7 Zone8 Zone9 Years

PopulationoftheNewsaskRegion

2015 2011 2006


41

Nipawin

Cumberland House

Naicam

Hudson Bay Melfort

Porcupine Plain

Kelvington

Tisdale

Zenon Park

1

2

3

4

5

7 6

8

9

Z O N E S

62 Loans $88,700 ÷ 2,915,572 = 3.04%

Population 8,366

14 Loans $147,844 ÷ 400,032 = 36.96%

Population 1,466

20 FT, 9 PT Created 7 FT, 2 PT Maintained $214,664 Leveraged

132 FT, 68 PT, 13 S Created 40 FT, 10PT, 8 S Maintained $4,201,251Funds Leveraged

35 Loans $109,290 ÷ 1,032,943 = 2.03%

Population 2,511

71 FT, 31 PT Created 16 FT, 2PT Maintained

$1,160,398 Leveraged

30 Loans $40,800÷ 1,026,986 = 3.97%

Population 2,897

44 FT, 13 PT, 8 S Created 10 FT Maintained 2 S Maintained

$1,179,528 Funds Leveraged

15 Loans $43,420 ÷ 408,926 = 10.6%

Population 3.568

15 FT, 4 PT 2 S, Created

1 FT, 1 PT Maintained

$374,510 Leveraged

40 Loans $100,000 ÷ 1,474,913 = 6.78%

Population 2,887

99 FT, 57 PT, 2S Created 18 FT, 5PT 3S Maintained

$4,822,515 Funds Leveraged

89 Loans $88,700÷ 2,991,998= 2.96%

Population 10,023

126 FT, 62PT, 4S Created 55 FT, 5 PT Maintained


27 Loans $52,733 ÷ 1,075,060= 4.90%

Population 2,628

56 FT, 30 PT, 4S Created 11 FT, 4 PT Maintained $1,151,746 Leveraged

69 Loans $158,992÷2,041,313 = 7.78 %

Population 5,654

137FT, 27 PT, 3S Created 58 FT, 6 PT, 2S Maintained


Loans Disbursed

& Bad Debt

April 1990 – March 2019

Total Principal Written Off $1,346,547

Bad Debt Expense 9.1%

TOTAL

381 Loans

Disbursed Total $14,645,518

$20,364,324 Leveraged Dollars (loan

services only) 1795 FT Jobs & PT and Seasonal Jobs Created/Maintained

Arborfield

Population figures based on 2016 Ministry of Health– total for the region is 40,000

Documents

Annual Report 2019 - newsaskcfdc.ca2018-2019 Annual Report Community Futures Newsask 1 ANNUAL REPORT APRIL 1, 2018 TO MARCH 31, 2019 Prepared: May 22, 2019