ONE MEMBER ONE VOTE

WHY VOTE?

YOU’RE AN OWNER

Your $25.00 membership investment means you have an ownership stake in Northern Credit Union. That means you have a say in how we do business.

YOUR VOICE MATTERS

You have the right to vote for our Board of Directors, which gives you a voice in the future of our credit union.

KEEP IT LOCAL

Your role, as an owner, helps to keep decisions local and based on local realities. We are committed to keeping your money local – investing in the same local businesses, programs and people that matter to you.

THAT’S THE DIFFERENCE

Unlike the big banks, our shareholders are our members. We don’t need to choose between making our members or our shareholders happy, because they are the same. That’s the Cooperative advantage.

VOTING OPENS ON MARCH 22, 2021

WHO CAN VOTE?

  • All Northern members, in good standing, over the age of 18
  • Members must have a fully funded, $25.00 member share, by March 4, 2021
  • A business, corporation or partnership, is required to appoint an individual to vote on their behalf.
  • If the appointed proxy is also a Member (personal member), they may vote on their own behalf as well as for the business, corporation or partnership they represent.
  • Additional eligibility requirements may apply based on membership types.

HOW DO I VOTE?

  • Voting opens on March 22, 2021 and closes April 2, 2021
  • A link to the secure voting platform will be found on Northern’s website on March 22, 2021
  • In order to access the voting platform, you will require your member number and your date of birth
  • Please note – every member has their own unique member number (it is not determined by joint accounts)
  • If you do not know your member number, please refer to your bank statement, online banking profile, branch or call the True North Hub at 1-866-413-7071 (this number starts with 7)

WHAT AM I VOTING ON?

  • Directors for Northern’s Board – 4 positions for 3-year terms
  • 3 By-Law Amendments

VOTING INSTRUCTIONS

Screenshots have been provided with a brief commentary on what you will see when you go to vote.

Please note: the images below will differ slightly to what you see on the voting website.


STEP 1

Navigate to the voting website.

Login using your Member Number (this number starts with 7) and your birth date (dd/mm/yyyy).
Example: January 26, 1980 would be entered as 26/01/1980.

STEP 2

You will be presented with a list of candidates and the bylaw amendments.

Click the "details" link next to each choice to view additional details regarding that candidate or bylaw amendment.

Please Note: You must select exactly 4 candidates and indicate if you are in-favour or not in favour of the proposed bylaw amendments before proceeding.

Once satisfied with your choices, click the "Next" button.

STEP 3

You will be presented with a summary of your selections.

You can make changes by clicking the "edit selection" link.

If satisfied with your selections, check the Participant Consent and click the "Submit" button.

Please Note: You cannot change your selections after clicking the “Submit” button.

STEP 4

Once complete, you will be presented with a message stating that "your selections have been successfully transmitted."

If you'd like a receipt confirming that your votes have been received, click the "View Receipt" link.

Click "Logout" to return to the Northern Credit Union website.

MEET THE BOARD NOMINEES

The role of the Nominating Committee is to ensure that members who are nominees for election to the Board of Directors meet the eligibility requirements as set out in our By-Laws.  In addition, the Nominating Committee reviews the competency gaps of the Board and endeavours to seek out candidates who can those gaps.  The established guidelines for required competencies are set out by the Financial Services Regulatory Authority of Ontario (FSRA) and it is of primary importance that Northern has the proper competencies on the Board to oversee the size and complexity of our organization and to meet the regulatory requirements.

Director nominees go through a stringent vetting process.  The Nominating Committee reviews the nominee submissions and conducts an in-depth interview with all nominees who are presented with the same questions.  For the 2021 election, the primary focus areas of experience / expertise that are being sought are:

Accounting/ Finance expertise (designation CPA or CFA) in the following areas:

  1. Experience with accounting and reporting standards including financial instruments and International Financial Reporting Standards (IFRS)
  2. Experience with capital markets financing instruments (e.g. securitizations, interest rates, on balance sheet financing etc.)
  3. Experience in the field of economics, finance, treasury or investment services

Risk expertise with experience with enterprise risk management

Experience / expertise in IT governance, digital strategy, overseeing complex technologies, cyber-security and IT projects

Governance and ethics expertise as evidenced by graduation from a recognized, advanced directorship program (ICD.D)

Human Resource professional as evidenced by a CHRP designation and experience working in a senior Human Resources position

Based on the due diligence of the Nominating Committee, all candidates meet the eligibility requirements to stand for election and the following 5 candidates have been endorsed by the Nominating Committee.  There are 4 positions open for 3-year terms.

We urge you to take the time to review the information of each director nominee in order to make an informed decision for Northern’s Board of Directors.

CAMERON ROSS

Endorsed by the Nominating Committee

STATEMENT OF INTEREST

I am happy to forward my statement of interest in standing for election to the Board of Northern Credit Union. I served a part term on this Board and learned a great deal about their operations, and about financial services and Credit Unions in particular. 

Growing up in Richards Landing, near Sault Ste. Marie, I was able to see Northern grow from its first branch, to having branches across the whole of northern and eastern Ontario. When larger banks abandoned small communities, Northern came to help and accommodated the needs of small town and rural Ontarians. When I wanted to develop a business opportunity, Northern was there to help. When my corporation got fed up with the “big bank runaround”, we transferred our corporate accounts to Northern. At every step of the way, Northern has been there with financial capacity, sound advice, and modern convenience.

My life experience started in the Canadian Army, where I eventually served in Regimental and Brigade command positions. I earned a degree in Military Arts and Science from the Royal Military College and learned about leadership, administration, finance, and logistics in both training and operations. After twenty years I transferred to the Reserve force and took a full-time position as CEO of the Algoma Mutual Insurance Company in Thessalon. We grew the Company from $4m to over $10m in earned premium. I earned certification as a Chartered Insurance Professional and as a Canadian Risk Manager. I have learned the importance of risk identification, mitigation, and transfer as it pertains to financial institutions. During 2020 I graduated from the Directors Education Programme run by the Rotman School of Management at the University of Toronto.

During my year on the Northern Board I completed all of the required Level One director’s training as well as courses in Governing Credit Risk, the Role of the Audit Committee, and Foundations in Governance. I served on the Audit Committee and on the Governance Committee, participated in all Board meetings, Strategic Planning meetings, and attended the Ontario Director’s Forum in Mississauga.

I hope that you can see my enthusiasm for the Credit Union, my life long association with it, my passion for it as an alternative to the big banks, and my commitment to it during my year as a Director. I believe I have the experience, qualifications, and leadership acumen that would be expected of a good Board member, and hope that you will vote for me.

BIOGRAPHY

Cameron Ross was born and raised in Richards Landing and now lives with his wife Laura on Desbarats Lake, just east of Sault Ste. Marie.

Cameron had a successful Army career, rising to the rank of Colonel, commanding a brigade group, and serving in Cyprus, Germany, Bosnia, and Afghanistan before finishing his service in 2011.

Cameron transferred to the Reserves in 1999 and was hired as the CEO of the Algoma Mutual Insurance Company in Thessalon. Over twenty years under his leadership the Company has grown from writing $4m in written premium to $10m. Cameron redeveloped internal operations, established a business planning model, and developed a new Board governance structure. Cameron has served on the Board of Directors of the North Shore Health Network and the Ottawa Division of the Canadian Corps of Commissionaires. Most recently, Cameron has served a year on the Board of the Northern Credit Union where he was appointed to the Audit Committee and the Governance Committee, and where he undertook and passed his Level One director’s training. He is a graduate of the Director Education Programme of the Institute of Corporate Directors at the Rotman School of Business in Toronto, with the ICD.D designation.

Cameron has military qualifications including Artillery command and control, tactics, leadership, and military law. He also holds a bachelor degree from the Royal Military College in Military Arts and Science. His civilian qualifications include Chartered Insurance Professional (CIP) and a certification in Canadian Risk Management (CRM).

Cameron has military experience in Germany, Cyprus, Bosnia, and Afghanistan and has led a brigade operating in north eastern Ontario from the Soo to Cornwall, as near to Toronto as Oshawa, and north to Timmins. His current operating area with the Algoma Mutual stretches from Wawa, through Parry Sound, Muskoka, and Haliburton districts, and north to Hearst and Iroquois Falls. This area is a virtual match to the Northern Credit Union operating area.

RESUME

Cameron Ross, BMASc, CIP, CRM, ICD.D, CD

OBJECTIVE

To join the Board of Directors of Northern Credit Union.

WORK HISTORY

CEO/Manager
Algoma Mutual - Thessalon, Ontario, Aug 1999 - Present

Brigade Commander
Canadian Army - Canadian and foreign locations, Ontario, Feb 1978 - Jun 2011

EDUCATION

Rotman School of Management, U of T/ Institute of Corporate Directors
Directors Education Programme, ICD.D 2021

Insurance Institute of Canada
Chartered Insurance Professional (CIP) 2013

Global Risk Management Institute
Canadian Risk Management Designation (CRM) 2015

Royal Military College
Bachelor of Military Arts and Science - Kingston, Ontario 2002

SKILLS

Advanced Risk Management skills including risk mapping, risk mitigation, and risk transfer. Advanced Corporate Governance skills including fiduciary duties and duties of care, Board structure, Audit and Risk Committees, strategic planning, and succession planning. Advanced leadership skills and practical experience in both large and small organizations. Advances skills in administration and money management learned entirely from experience with personnel management and financial management in military and mutual insurance employment. Have operated budgets from $10 million to $25 million. Advances skills in public speaking and group dynamics developed over decades of practice in small groups, large organizations, and large public speaking venues.

DANIEL MCCOY

Endorsed by the Nominating Committee

STATEMENT OF INTEREST

Having been elected to the Board of Directors in 2020 for a 1-year term, I am again seeking nomination to be re-elected to the Board of Directors for a 3-year term. During my short tenure on the Board of Directors, I worked with the Board and Management on many significant projects including a complete Governance Review and navigating the economic disruptions caused by the COVID-19 pandemic.

Throughout this past year I have been working on completing the Canadian Credit Union Association’s Credit Union Director Achievement (CUDA) program with the eventual goal of accreditation.

As the only lawyer currently on the Board of Directors, I offer a unique perspective to Board deliberations and am able to examine topics and issues facing Northern Credit Union through a legal lens. As a millennial, I believe that it is critical for the sustainability of Northern Credit Union to have young individuals around the Board table who are able to offer fresh viewpoints on emerging issues facing our communities.

I believe I have much more to offer Northern Credit Union which is why I am asking to be elected to a full 3-year term. As a lawyer with my own law practice, I will work tirelessly to support the needs of entrepreneurs, small and medium sized enterprises, and the membership as a whole. I am of the view Northern Credit Union offers unparalleled service to its members. With your support, I hope to be able to continue this work.

BIOGRAPHY

Daniel McCoy was born and raised in Wawa, Ontario and is a member of Batchewana First Nation. Daniel has been a member of the Northern Credit Union since 2011. He grew up as the middle of three children in a hard-working family in Wawa.

Daniel graduated from the Law and Security Administration program at Sault College in 2011 with distinction. Daniel then completed his Bachelor of Science degree in Criminal Justice at Lake Superior State University in Sault Ste. Marie, Michigan. The service Daniel received from the Northern Credit Union was pivotal in his successful completion of post-secondary studies.

In August 2015, Daniel made the move from Wawa to Toronto to attend law school at Osgoode Hall Law School – his top choice. While at Osgoode, Daniel was heavily involved in student government and was a recipient of the Dean’s Gold Key Award in 2018 for his leadership in the Osgoode Indigenous Students’ Association.

Daniel was called to the Ontario Bar in 2019 after completing his Articles of Clerkship at a boutique litigation law firm in Toronto. Daniel commenced his own law practice in November 2019 serving Indigenous clients on a variety of civil litigation and governance matters. Daniel regularly finds himself at home in Northern Ontario for client matters, family, and for peace and tranquility outside of the city. Daniel looks forward to one day returning to the North. In his spare time, Daniel enjoys curling (Go Team Jacobs!) and practicing martial arts.

RESUME

BAR ADMISSION

June 25, 2019
Law Society of Ontario

EDUCATION

2015 – 2018
Osgoode Hall Law School, York University, Toronto, Ontario
Juris Doctor, 2018

  • Dean’s Gold Key Award, 2018
  • Osgoode Internship Award, 2016
  • Harris Award for Aboriginal Law Students Recipient, 2015

2011 – 2012
Lake Superior State University, Sault Ste. Marie, Michigan
Bachelor of Science, Criminal Justice

2009 – 2011
Sault College of Applied Arts & Technology, Sault Ste. Marie, Ontario
Law & Security Administration Diploma with Distinction

PROFESSIONAL EXPERIENCE: LAW

Nov 2019 – Present
Principal
Daniel G. McCoy, Barrister & Solicitor. Toronto, Ontario

  • Providing strategic advice to clients, comprised primarily of First Nation governments and organizations, on a variety of litigation and other matters

May 2018 – Oct 2019
Articling Student / Associate
Hensel Barristers Professional Corporation. Toronto, Ontario

  • Litigating, negotiating, and analyzing Indigenous related issues including child welfare, labour and employment, duty to consult, and jurisdiction
  • Drafting, researching, and analyzing policies for Indigenous organizations
  • Researching and drafting materials for training sessions with Indigenous communities and organizations
EXTRA-CURRICULAR AND VOLUNTEER EXPERIENCE

2020 – Present
Board of Directors, Northern Credit Union Limited

2019 – Present
Member, Indigenous Bar Association

2017 – Present
Board of Directors, Centre for Immigrant and Community Services (CICS)

2017 – Present
Marketing & Communications Committee, Shintani Wado Kai Karate Federation

2017 – 2018
Board of Directors, Centre for Immigrant and Community Services Foundation (CICSF)

2016 – 2018
Co-Chair, Osgoode Indigenous Students’ Association (OISA)

2015 – 2016
1L Rep, Osgoode Indigenous Students’ Association (OISA)

2014 – 2014
Board of Directors, United Way of Quinte

2013 – 2013
Board of Directors, United Way of Sault Ste. Marie & district

GRANT LOVE

Endorsed by the Nominating Committee

STATEMENT OF INTEREST

Having been personally involved in a Credit Union since 1987, I am requesting your support in my campaign to become a Director.  A fundamental belief throughout my life has been to serve and support my community. 

During my first term with the NCU Board, I have expanded my knowledge thru experience and education. I completed the Credit Union Director Achievement Program and other education for Board Directors. During the past two years, I have been the Vice-Chair of the Board.

During these unprecedented times, we need strong, proven leadership, who are willing to continue to learn and support our Credit Union.

NCU needs to continue to be supported by a strong management team and a strong supportive Board.

Being a member of the Board for the past three years, I have been able to show that I look at all sides of an issue, provide competent comments were required, and willing to support the outcome.

During the past 20 years, I have been a member of different Boards, and bring experience to the table from various positions held, including, President, Chair, Vice-Chair, Secretary-Treasurer.

Board members need to stay current with the changing requirements from a legislative perspective and from what is best for NCU during these changing times while remembering that we are there to provide policy oversite.

I am confident that my time and training on the Board, has positioned me to be able to provide a strong, confident voice on the Board. Thank you for your support.

BIOGRAPHY

During my  career with the Fire Service, I spent 18 years as an executive member of the North Bay Professional Fire Fighters Association, 5 years as a member of the Provincial Federation of Ontario Fire Fighters Executive Board, 7 years as an International Association of Fire Fighters as a Provincial Staff Representative and 8 years on the Finance/Audit Committee of the Ontario Professional Fire Fighters Association. Grant worked his way up the ranks of the North Bay Fire and Emergency Services from firefighter to Fire Chief/Community Emergency Management Coordinator gaining experience along the way.

Taking an interest in the community has always been important to me. I participated in the North Bay District Critical Incident Stress Team and Board of Directors; Partnerships Towards Safer Communities; Calvin Presbyterian Board of Managers and Elder; and North Bay Employees Credit Union Board of Directors for 7 years, 1 year as President.

I have working and educational experience with risk management, business continuity, human resources and governance.

I have completed the Credit Union Director Achievement Program, Art and Science of Chairing, Governing Beyond COVID-19, Using Generative Governance to Spice Up Board Meetings, Introduction to Generative Governance Webinar, Inspiring Effective Governance Leadership to name a few.

The committees, I have served on for NCU include;  member of Audit, Nominating, Governance, Human Relations committees; Vice Chair of the Board (2019 – 2020).

During my time on Boards, I have taken a strong role in supporting the governance structure and supporting the outcome of the discussions and voting.

RESUME

Grant J. Love, SBStJ, CMM III

SUMMARY OF QUALIFICATIONS
  • Strong leadership skills
  • Change management
  • Creating policy and procedures
  • Strategic Planning
  • Excellent interpersonal and problem-solving skills
  • Excellent decision-making skills based on facts and experience
  • Experienced team building capabilities
  • Proven budgeting skills
  • Organizational skills
  • Skilled facilitator
  • Certified Municipal Manager III Designation from Ontario Municipal Management Institute
EMPLOYMENT HISTORY

North Bay Fire Department
1987- 2017
Firefighter; Chief Training Officer; Deputy Fire Chief; Fire Chief, Community Emergency Management Chair

Ontario Fire College  
2018 - present
Instructor/Coordinator

Northern Credit Union Board of Directors
2018 – present
Audit, Nominating, Governance, Human Relations committees; Vice Chair (2019 – 2020)

Ontario Hockey League
2013-present
Chief Off-Ice Official, North Bay

VOLUNTEER AND COMMITTEE EXPERIENCE

Member
2010 – present
Youth Justice Committee, North Bay

Board Member
2008 – 2017
Victim Services of Nipissing District (Treasurer 2010 – 2017)

Board Member
2000 – 2009
North Bay Critical Incident Stress Team

Director (President, 1998)
1992 - 1998
North Bay Municipal Employees Credit UnionNorth Bay, Ontario

Finance/Audit Committee
1995 - 2003
Ontario Professional Fire Fighters Association
Ontario

EDUCATION AND CERTIFICATES

Credit Union Director Achievement Program (CUDA)
Level A: Foundation of Governance; Level B: Governance in Action; Level C: Governance Application

Governance Solutions
Governing Beyond COVIC-19; Art and Science of Chairing; Virtual AGM’s Do’s and Don’ts; Boards and the Pandemic – Is it really all hands on Deck; Identity Theft Protection-Protect yourself, Protect Your Organization

Canadore College
Leadership Skills (The Ontario Management Development Program)
North Bay, Ontario

Canadian Standards Association
Z1600 Essentials Emergency Management & Business Continuity Programs

The Most Venerable Order of the Hospital of St. John of Jerusalem, Priory of Canada
Serving Brother

MAX LIEDKE

Endorsed by the Nominating Committee

STATEMENT OF INTEREST

I am very interested in pursuing a second term on the Board of Directors at Northern Credit Union. I believe that my education, background, experience, and skills are well matched to continue to serve on the Board and represent the members of the credit union.

My passion of improving communities is aligned with the member focus of credit unions and making a difference in people’s lives.

My values are in sync with the values of the credit union and I believe that I can have a positive impact for members by helping to support the achievement of our goals. 

Over the course of my first two year term I have invested in various courses and self learnings to improve my knowledge of credit union operations in Canada. I have appreciated the opportunity to learn and grow in my role as a member of the Board and Chair of the Audit Committee and would very much like to continue to learn, grow in my role, and support the advancement of Northern Credit Union.

I have found my experience on the Board to be personally rewarding and I look forward to the opportunity to serve members for an additional term. Thank you.

BIOGRAPHY

I am a Chartered Professional Accountant with over thirty years of experience. I have a passion for my community and have strived over the years to ensure that whether through my employment or volunteer activities that I am contributing to improve the lives of the residents of my community. This passion is well aligned with the vision of credit unions and Northern Credit Union’s goal of ‘making a difference in people’s lives’. 

I am currently employed as the Senior Vice President and Chief Operating Officer at Health Sciences North in Sudbury and I divide my time between Sudbury and Sault Ste. Marie where my family still resides. 

The majority of my career has been at the Executive level in education and health care services which is aligned with my passion and has allowed me to contribute to the overall well-being of my community. 

I have served on several Boards and have held positions ranging from being the Chair, Vice-Chair, Treasurer, Secretary and Board Member.

Through my employment as a senior leader in large complex organizations I have also served as a resource to the Board of Directors which has provided me with the experiences of not only serving but also sitting on various Boards allowing me insights from both a governance and operations perspective.

I enjoy family, friends, spending time at the cottage, cooking, reading, kayaking but mostly experiencing the joys of being a new grandparent.

RESUME

Max S. Liedke, BBA MBA CA CPA

AREAS OF STRENGTH

(As identified through a 360 degree competency assessment for executives)
Building Strategic Partnerships
Building Organizational Capability
Collaboration
Visionary Leadership
Impact and Influence
Business Acumen
Results Orientation
Strategic Orientation

EXECUTIVE PROFILE

Accomplished Senior Executive with the ability to successfully lead an organization in a team environment. Possess the corporate vision to manage a multi-faceted and complex public organization.  Able to consult and build relationships and partnerships by establishing a collegial environment. Consistent record of sound financial management. Excellent interpersonal, analytical, and communication skills. Passionate about people and working collaboratively to continuously move an organization forward. Enjoy working in an environment where people like to have fun, smile and have a sense of humour.

PROFESSIONAL BACKGROUND

Health Sciences North, Sudbury, ON (2018 - present)
Senior Vice President and Chief Operating Officer
Health Sciences North Research Institute, Sudbury, ON (2018 - present)
Chief Financial Officer

Sault Area Hospital, Sault Ste. Marie, ON (2009 – 2018)
Vice President and Chief Financial Officer

Sault College of Applied Arts and Technology, Sault Ste. Marie, ON (2001 – 2009)
Chief Financial Officer / Secretary Treasurer to the Board of Governors (2003 - 2009)
Interim President / Chief Financial Officer / Secretary-Treasurer to the Board of Governors (March 2006 – November 2007)
Interim Vice President Administration / Director, Financial Services / Interim Secretary-Treasurer to the Board of Governors (August 2002 – October 2003)
Director, Financial Services (December 2001- August 2002)

China Steel Limited Partnership, Sault Ste. Marie, ON (1990 – 2002)
Controller

Algoma University College, Sault Ste. Marie, ON (1991 – 1999)
Sessional Instructor –Intermediate Accounting I and II

Combustion Engineering Canada Inc., Toronto, ON (1989 – 1990)
Finance and Administration Manager

Reuters Canada Limited, Toronto ON (1986 – 1989)
Financial Manager

KPMG Chartered Accountants, Sault Ste. Marie, ON (1984 – 1986)
Finalist - Staff Senior

TIM FOSTER

Endorsed by the Nominating Committee

STATEMENT OF INTEREST

Northern Credit Union delegates/members,

I wish to thank you for allowing me to serve you as a member of your Board of Directors. I stood before the 2012 AGM, as a candidate, so that I could work on your behalf to make Northern a better credit union for all our present and future members, which I have fulfilled.

During my nine years on the Board, we have made great strides in innovation and technology that has put us in a good position to deal with the unforeseen challenges placed on us during the COVID-19 pandemic. We need experienced directors to bring us through this period and beyond.

As Vice-Chair and Chair of the Board for six of my nine years I took a lead role in Board discussions, strategic planning sessions, CEO compensation and performance, and our successful merger negotiations with two credit unions. You will note in my Bio and resume that I have been very active in the credit union system, gaining expertise through educational opportunities and networking. I committed to enhancing my competencies in order to best fulfill my governance role on behalf of our membership, and I have strong or expert ratings in all director competency categories. It is time for me to share this experience with new directors over the next three years and raise the bar of our governance structure for the betterment of, you, our members.

I ask for your vote to continue to serve on your Board of Directors. Thank You.

BIOGRAPHY

PROFILE
  • 34-year member of Northern Credit Union, my primary financial institution.
  • A life-long learner who shares his knowledge with others and encourages growth
  • A confident, motivated professional, who leads by example, projects a positive image, and is accountable for his actions.
  • An approachable, friendly and enthusiastic person with exceptional communications skills.
  • A sensitive person, and a proven proponent of diversity and change.
  • A caring, compassionate and empathetic person actively involved in the communities he serves.
  • Takes pride in his service to Northern Credit Union members.
  • 30-year former member of the Ontario Provincial Police.
  • Ordained Permanent Deacon – Roman Catholic – serving three parishes
  • Married to Suzanne (42 years) and we have four adult children and three grandchildren.
COMMUNITY INVOLVEMENT
  • 3rd Degree Member of East Ferris Knights of Columbus Council 6667
  • 2015 Ontario Special Olympics Winter Games volunteer
  • Actively involved as an on-ice official, instructor, and supervisor within the Northern Ontario Hockey Association
  • Level Six Referee passed OHL Official and refereed Internationally
  • Off-ice official for the Ontario Hockey League
  • Northern Credit Union – North Bay Branch Delegate committee member (10+ years)
  • Past Chair of North Bay Branch Delegate committee
  • Northern Credit Union Delegate Steering Committee member and past chair
  • Northern Credit Union 2006 Delegate Allotment Review Committee member
  • For more than two decades, actively involved in the St Thomas Aquinas Parish
  • Passed Regional Coordinator for the Law Enforcement Torch Run for Special Olympics, and annual participant
  • Former Board member of the North Bay Focus Anti-Drug Coalition
RESUME

T. A. (Tim) Foster

April 2012 to Present – Member of Northern Credit Union Board of Directors

  • Near perfect attendance at Board and Committee meetings
  • Past Board Chair and Governance Committee Chair (5 years), Vice Chair (1 year)
  • Served on Audit, Financial, Governance, Human Resources, and Nominating Committees
  • Credit Union Director Accreditation (CUDA) Accredited Director
  • Credit Union Executive Society (CUES) Certified Director
  • Mentored two directors as Vice-Chair, and conducted orientation of new directors
  • Represented Northern at Central 1 AGMs, Canadian Credit Union Conferences for five years
  • Participated in Deposit Insurance Corporation of Ontario (DICO) consultation sessions
  • Delegate for Northern at Central 1 Special General Meeting on Governance Restructuring
  • With CEO, facilitated selection for annual board/executive strategic planning session
  • Ad-Hoc Merger Committee Chair - Successful negotiations with two credit unions
  • Key CUDA Courses (Completed for certification and accreditation)

Accountability and Risk Oversight; Board Performance, Development and Evaluation; Credit: Policy and Monitoring; Ethics in Business and Leadership; Governing Credit Risk; Governing IT, the Director’s Role; Internal Capital Adequacy Assessment Process (ICAAP): Wise Practice or Simply More Regulation; Innovation Immersion – The Filene Method; It's a Matter of Privacy; Mergers and Acquisitions; Role of the Audit Committee; Strategy: Planning and Oversight; Sound Business Practices

  • During COVID-19 took over 20 Governance Solutions Webinars related to Governance during the pandemic and put knowledge into practice

October 2012 to October 2020 – Member of the Director’s Forum (DF) Executive Committee
November 2020 to Present – Member of the Board of Directors of DF Incorporated Cooperative

  • A professional development, educational and networking conference that is organized by Credit Union Directors for Credit Union, caisses populaires, and co-operative Directors, including Chairs/Presidents, board members, and key volunteers.
  • Planning, preparation, and facilitator, panellist, and speaker selection for Director’s Forum
  • Liaise with On-COOP personnel
  • Facilitator of the Chair’s Network Session at Director’s Forum
  • Networked, and raised the profile of Northern Credit Union within the credit union system
  • Prepared and overaw budgets

2000-2012 – Ontario Provincial Police (OPP) Experience Relative to Director Role

  • Member of the Information Technology Efficiency Review working group
  • Set goals, objectives and plans for the delivery of complex OPP telecommunications services to diverse communities throughout the North East Region (NER), and 911 CERB call answering for 1.9 million citizens throughout Ontario. Conducted a fiscal and operational audit of Regional Information Technology.
  • Coordinated and managed the business planning process for NER reflecting the priorities identified by the organization and regional command staff.
  • Oversaw the performance management process for 600 plus members and staff of NER
UNIVERSITY COURSES

Business Decision Making; Business Statistics; Financial Accounting; Information Systems; Management of Human Resources; Organizational Behaviour

Ontario Public Service, Centre for Leadership and Learning Training & OPP Training
Conflict Management; Demystifying Financial Statements; Financial Analysis II – Cost Benefit Analysis; Risk Management; Writing Proposals and Business Cases; Business Planning; Police Association Certified Executive (PACE) (Board Training)

2020/2021 REPORT FROM THE NOMINATING COMMITTEE OF NORTHERN CREDIT UNION

The mandate of Nominating Committee is to put a fulsome and qualified slate of candidates to maintain a highly functional Board of Directors, representing the membership of Northern.

The Committee, this term, consisted of four members of the Board, who are not up for re-election at this year's AGM.  The Committee consisted of John Mangone, Louise Ahrens, Peter Beaucage, and Kevin Eccles, Committee Chair.  The Committee is also served with qualified professional assistance from Vicki Caicco, Corporate Secretary.

After completing last year's change in voting procedure, moving from a delegate voting system to ‘one member one vote’ system by advancing our ability to use an electronic voting method, the Committee has worked hard to refine our election process to create a process for all of our 75,000 plus members to participate in electing your Board of Directors to work on your behalf.  In doing so, they continue to move Northern further ahead in the financial institutional world of community partnership.

As your credit union has continued to grow, so have the demands of finding the right directors who have, and maintain, the skill sets to put forth the vision and mission to continue to advance your Credit Union in an ever-changing economic world, while being responsive to the needs of our members.  By reviewing past experiences and doing a deep analysis of what the future requires, the Committee has done a very commendable job of recruiting and vetting a slate of candidates for your consideration.

I would like to thank the Committee for their commitment and diligence in carrying out the tasks asked of us this year.  Also, thank you for giving me the honour of serving as Chair this year - it has been a privilege.

Kevin Eccles
Nominating Committee Chair

BOARD OF DIRECTORS ATTENDANCE (2020 - 2021)

DIRECTOR
TERM EXPIRY
BRANCH
MEETINGS HELD
MEETINGS ATTENDED
Louise Ahrens2023Elmwood1919
Peter Beaucage2022Timmins1919
Brian Cairns2022Espanola1919
Kevin Eccles2022Durham2020
Tim Foster2021North Bay1616
Jeannie Kilgour2023Capreol2020
Sue Klatt2023Barry’s Bay2015
Max Liedke2021Sault Ste. Marie1616
Grant Love2021North Bay
2019
John Mangone2022Sault Ste. Marie16
16
Lori Martin2023Long Lake24
23
Daniel McCoy2021Wawa2121


PROPOSED BY-LAW AMENDMENTS

The By-Law amendments have been listed below on a comparative basis of “Current” and “Proposed” for reference purposes.

On the basis of the proposed By-Law amendments being brought forward, legal counsel has recommended three resolutions under the following headings.


MINOR HOUSEKEEPING ISSUES

RESOLUTION

BYLAW TO AMEND THE BYLAWS OF NORTHERN CREDIT UNION LIMITED (the “Credit Union”)

WHEREAS the Credit Union finds it expedient to amend its by-laws to deal with certain “housekeeping” issues it has noted;

NOW THEREFORE BE IT ENACTED, and it is so enacted as a bylaw of the Credit Union as follows:

  1. Bylaw No. 1 of the Credit Union, as most recently amended by confirmation of the members on April 17, 2020 (the “General Bylaw”), be hereby further amended by deleting the references to “Chair of the Board” in sections 4.03(d) and (e), and replacing them with references to “Chief Returning Officer”.
  2. The General Bylaw be hereby further amended by deleting section 4.08 thereof, and replacing it with the following:

    4.08 Meeting by Telephonic, Electronic or Other Means

    If all the directors of the Credit Union present or participating in the meeting consent, meetings of the Board or of a committee of the Board may be held partially or entirely by means of such telephone, electronic or other communications facilities as permit all persons participating in the meeting to communicate with each other simultaneously and instantaneously, and a director participating in such a meeting by such means is deemed to be present at the meeting.
  3. The General Bylaw be hereby further amended by deleting section 5.03 thereof, and renumbering the subsequent sections of Article 5 accordingly.
  4. The General Bylaw be hereby further amended by deleting sections 5.04(a) and (b) thereof (as numbered prior to the amendment made by paragraph 2 above), and replacing them with the following:

    5.04 (a) Appointment
    The Chair of the Board, in consultation with the Vice Chair and the Chief Executive Officer, shall appoint annually, from among members of the Board, an Audit Committee, to be composed of at least three directors. The Audit Committee shall have the powers and duties provided in the Act.

    5.04 (b) Chair and Meetings
    The Chair of the Board, in consultation with the Vice Chair and the Chief Executive Officer, shall appoint a Chair of the Audit Committee, and meetings of the Audit Committee shall be at the call of the Chair of the Audit Committee, the Credit Union's auditor or a director, provided that the Audit Committee shall meet at least quarterly.
  5. In all other respects, the General Bylaw is hereby ratified and confirmed.

PASSED by the Board of Directors of Northern Credit Union Limited duly held at Sault Ste. Marie, Ontario on the 2nd day of December, 2020.

CONFIRMED by a special resolution of the members of Northern Credit Union Limited at a meeting duly held at Sault Ste. Marie, Ontario on the 16th day of April, 2021.

WITNESS the corporate seal of Northern Credit Union Limited.

BY-LAW COMPARISONS

BY-LAW 4.03 (D) DIRECTOR TERM OF OFFICE
CURRENT BY-LAW

If, in an election, a tie needs to be broken to determine which of two or more candidates is elected to the Board and which of those candidates is not as elected, or to determine the allocation of terms of varying length among two or more candidates, the tie shall be broken by chance in a manner determined by the Chair of the Board in his or her sole and absolute discretion.

PROPOSED BY-LAW

If, in an election, a tie needs to be broken to determine which of two or more candidates is elected to the Board and which of those candidates is not as elected, or to determine the allocation of terms of varying length among two or more candidates, the tie shall be broken by chance in a manner determined by the Chief Returning Officer in his or her sole and absolute discretion.

BY-LAW 4.03 (E)  DIRECTOR TERM OF OFFICE
CURRENT BY-LAW

(e)     If, in the case of an acclamation of all nominees, terms of office of varying lengths are to be filled, the terms shall be assigned by voluntary agreement among the nominees or, failing that, by chance in a manner determined by the Chair of the Board in his or her sole and absolute discretion.

PROPOSED BY-LAW

(e)    If, in the case of an acclamation of all nominees, terms of office of varying lengths are to be filled, the terms shall be assigned by voluntary agreement among the nominees or, failing that, by chance in a manner determined by the Chief Returning Officer in his or her sole and absolute discretion.

BY-LAW 4.08 MEETING BY TELEPHONE, ELECTRONIC OR OTHER MEANS
CURRENT BY-LAW

If all the directors of the Credit Union present or participating in the meeting consent, a director may participate in a meeting of the Board or of a committee of the Board by means of such telephone, electronic or other communications facilities as permit all persons participating in the meeting to communicate with each other simultaneously and instantaneously, and a director participating in such a meeting by such means is deemed to be present at the meeting.

PROPOSED BY-LAW

If all the directors of the Credit Union present or participating in the meeting consent, meetings of the Board or of a committee of the Board may be held partially or entirely by means of such telephone, electronic or other communications facilities as permit all persons participating in the meeting to communicate with each other simultaneously and instantaneously, and a director participating in such a meeting by such means is deemed to be present at the meeting.

BY-LAW 5.03 EXECUTIVE COMMITTEE
CURRENT BY-LAW

The Board may elect annually, from among its members, an Executive Committee composed of at least three directors. Subject to the Act, the Board may delegate any of its powers to the Executive Committee.

PROPOSED BY-LAW


BY-LAW 5.04 (A) APPOINTMENT
CURRENT BY-LAW

The Board shall elect annually, from among its members, an Audit Committee, to be composed of at least three directors. The Audit Committee shall have the powers and duties provided in the Act.

PROPOSED BY-LAW

The Chair of the Board, in consultation with the Vice Chair and the Chief Executive Officer, shall appoint annually, from among members of the Board, an Audit Committee, to be composed of at least three directors. The Audit Committee shall have the powers and duties provided in the Act.

BY-LAW 5.4 (B) CHAIR AND MEETINGS
CURRENT BY-LAW

The Audit Committee shall elect a Chair, and meetings of the Audit Committee shall be at the call of the Chair of the Audit Committee, the Credit Union's auditor or a director, provided that the Audit Committee shall meet at least quarterly.

PROPOSED BY-LAW

The Chair of the Board, in consultation with the Vice Chair and the Chief Executive Officer, shall appoint a Chair of the Audit Committee, and meetings of the Audit Committee shall be at the call of the Chair of the Audit Committee, the Credit Union's auditor or a director, provided that the Audit Committee shall meet at least quarterly.

DEFINITION / QUALIFICATIONS WITH RESPECT TO SIBLINGS OF DIRECTORS RUNNING FOR THE BOARD

RESOLUTION

BYLAW TO AMEND THE BYLAWS OF NORTHERN CREDIT UNION LIMITED (the “Credit Union”)

WHEREAS the Credit Union finds it expedient to amend its by-laws to prohibit siblings of current directors or candidates in the same election from standing for election to the Board;

NOW THEREFORE BE IT ENACTED, and it is so enacted as a bylaw of the Credit Union as follows:

  1. Bylaw No. 1 of the Credit Union, as most recently amended by confirmation of the members on April 17, 2020 (the “General Bylaw”), be hereby further amended by adding the following as a new section 1.01(11.1):

    (11.1)  “Sibling” means, regarding an individual, the biological or adoptive full or half brother or sister (which shall include a step-brother or step-sister) of that individual or his or her Spouse, and the Spouse of such a brother or sister;
  2. The General Bylaw be hereby further amended by deleting section 4.02(g) hereof, and replacing it with the following:

    (g)  is the Spouse, Sibling or Child of an individual who is then a director of the Credit Union, or who is a candidate for election to the Board in the same election as the person;
  3. In all other respects, the General Bylaw is hereby ratified and confirmed.

PASSED by the Board of Directors of Northern Credit Union Limited duly held at Sault Ste. Marie, Ontario on the 2nd day of December, 2020.

CONFIRMED by a special resolution of the members of Northern Credit Union Limited at a meeting duly held at Sault Ste. Marie, Ontario on the 16th day of April, 2021.

WITNESS the corporate seal of Northern Credit Union Limited.

BY-LAW COMPARISONS

1.01 (11.1) DEFINITIONS
CURRENT BY-LAW
PROPOSED BY-LAW

(11.1)    “Sibling” means, regarding an individual, the biological or adoptive full or half brother or sister (which shall include a step-brother or step-sister) of that individual or his or her Spouse, and the Spouse of such a brother or sister;

4.02 (G) QUALIFICATION
CURRENT BY-LAW

(g)  is the Spouse or Child of an individual who is then a director of the Credit Union, or who is a candidate for election to the Board in the same election as the person;

PROPOSED BY-LAW

(g)  is the Spouse, Sibling or Child of an individual who is then a director of the Credit Union, or who is a candidate for election to the Board in the same election as the person;

QUALIFICATIONS WITH RESPECT TO ATTENDANCE FOR DIRECTORS TO RUN FOR THE BOARD

RESOLUTION

BYLAW TO AMEND THE BYLAWS OF NORTHERN CREDIT UNION LIMITED (the “Credit Union”)

WHEREAS the Credit Union finds it expedient to amend its by-laws to make more strict the requirements for a director’s removal from the Board at the instigation of the Board;

NOW THEREFORE BE IT ENACTED, and it is so enacted as a bylaw of the Credit Union as follows:

  1. Bylaw No. 1 of the Credit Union, as most recently amended by confirmation of the members on April 17, 2020 (the “General Bylaw”), be hereby further amended by deleting section 4.02(j), and replacing it with the following:

    (j) if an incumbent director, has failed to attend, without, in the opinion of the Board, reasonable cause, three regular Board or committee meetings in the 12 months preceding nomination in the election in which he or she is a candidate;
  2. In all other respects, the General Bylaw is hereby ratified and confirmed.

PASSED by the Board of Directors of Northern Credit Union Limited duly held at Sault Ste. Marie, Ontario on the 20th day of January, 2021.

CONFIRMED by a special resolution of the members of Northern Credit Union Limited at a meeting duly held at Sault Ste. Marie, Ontario on the 16th day of April, 2021.

WITNESS the corporate seal of Northern Credit Union Limited.

BY-LAW COMPARISONS

4.02 (J)  QUALIFICATION
CURRENT BY-LAW

(j)     if an incumbent director, has failed to attend, without, in the opinion of the Board, reasonable cause, three consecutive regular Board meetings in the 12 months preceding nomination in the election in which he or she is a candidate;

PROPOSED BY-LAW

(j)     if an incumbent director, has failed to attend, without, in the opinion of the Board, reasonable cause, three regular Board or committee meetings in the 12 months preceding nomination in the election in which he or she is a candidate;

FREQUENTLY ASKED QUESTIONS

WHAT DOES ONE MEMBER ONE VOTE MEAN?

Members are actually owners of Northern Credit Union. All members have an equal say in how the credit union operates by voting in directors to Northern’s Board of Directors and on any proposed by-law amendments. It does not matter how much, or how little, they have in their account. This is what makes a credit union different from a bank or other financial institution. Every member, over the age of 18, with a fully funded share account of $25 is entitled to have a greater say in the future of the credit union. Northern Credit Union conducts this voting electronically in advance of the Annual General Meeting. The results are announced at this meeting.

WHY WOULD A MEMBER WANT TO VOTE?

This is what makes a credit union different. At Northern, we are not controlled by a small group of shareholders that make decisions in the interests of a few. At Northern, we make decisions in the best interests of all our members and what a better way to do that, but to let our members have their say!

HOW DO MEMBERS VOTE?

Members can vote on-line by this page. Here, they can get all the information about the Board nominees and proposed By-law amendments. Once they have carefully read the information, they can click the voting link to have their voice heard and cast their vote electronically.

WHO IS ELIGIBLE TO VOTE?

  • All Northern members, in good standing, over the age of 18
  • Members must have a fully funded, $25.00 member share, by March 4, 2021
  • A business, corporation or partnership, is required to appoint an individual to vote on their behalf.
  • If the appointed proxy is also a Member (personal member), they may vote on their own behalf as well as for the business, corporation or partnership they represent.
  • Additional eligibility requirements may apply based on membership types.

CAN A MEMBER HAVE MORE THAN ONE VOTE?

Yes, a member can vote as a personal member and as a proxy for a business.

Please note: A sole-proprietor is not considered a separate legal entity from a personal member. Therefore, if the member is a personal member and runs a business, as a sole proprietor, they are only legally entitled to one vote.

DO COMMERCIAL MEMBERS HAVE DIFFERENT VOTING RULES?

No. Commercial members are still only entitled to one vote.

Incorporated commercial accounts are required to appoint a proxy to vote on behalf of the organization. They can do that by downloading the proxy form located on the website and sending it in to Vicki Caicco prior to March 1st. If the proxy form is not received, the member will not be entitled to vote in this election.

WHAT ABOUT SOLE PROPRIETORS, CAN THEY VOTE ON BEHALF OF THE COMPANY AND THE PERSON?

No. Members are only entitled to one vote. Since the person and the business are considered the same legal entity, they will only be eligible to vote one time.

WHAT IF MEMBERS HAVE OTHER FORMS OF SHARES LIKE, LOYALTY SHARES AND CLASS B SHARES, ARE THEY ENTITLED TO ADDITIONAL VOTES?

No matter how much, or little, you have with Northern, every credit union member has equal ownership and the opportunity to benefit from all the advantages of being a TRUE “NORTH” OWNER. Therefore, when voting 2020 Election every member is entitled to one vote.

WHAT IF MEMBERS HAVE JOINT ACCOUNTS?

Members, who have joint account holdings are each eligible for one vote. Each member will be required to sign into the voting portal with his or her individual member number and password.

Note: Each member must have a fully funded share account to be eligible to vote.

WHAT IF I HAVE A MEMBER WHO IS INTERESTED IN VOTING, BUT DID NOT BECOME A MEMBER UNTIL AFTER MARCH 4, 2021?

Members who become members after March 4, 2021, or fund their share after March 4, 2021, will be eligible to vote in the following year.

WHEN DOES VOTING OPEN?

Voting opens on March 22, 2021 and closes April 2, 2021.

WHAT DO MEMBERS REQUIRE TO VOTE?

Members can vote by:

  • Follow the link to the secure voting platform which will be found on this page.
  • In order to access the voting platform, each member will require their member number and their date of birth (ddmmyyyy)
  • Please note – every member has their own unique member number (it is not determined by joint accounts)
  • If they do not know their member number, members can refer to their bank statement, online banking profile, branch or call the True North Hub at 1-866 – 413 – 7071 (the member number starts with 7)

WHAT WILL MEMBERS BE VOTING ON?

  • Directors for Northern’s Board – 4 positions for 3-year terms
  • 3 By-Law Amendments