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Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Morbi commodo, ipsum sed pharetragravida, orci magna rhoncus neque, id pulvinar odio lorem non turpis. Nullam sit amet enim. Sus-pendisse id velit vitae ligula volutpat condimentum. Aliquam erat volutpat. Sed quis velit. Nulla facilisi.Nulla libero. Vivamus pharetra posuere sapien. Nam consectetuer. Sed aliquam, nunc eget euismodullamcorper, lectus nunc ullamcorper orci, fermentum bibendum enim nibh eget ipsum. Donec portti-tor ligula eu dolor. Maecenas vitae nulla consequat libero cursus venenatis. Nam magna enim, ac-cumsan eu, blandit sed, blandit a, eros.Quisque facilisis erat a dui. Nam malesuada ornare dolor. Crasgravida, diam sit amet rhoncus ornare, erat elit consectetuer erat, id egestas pede nibh eget odio.Proin tincidunt, velit vel porta elementum, magna diam molestie sapien, non aliquet massa pede eudiam. Aliquam iaculis. Fusce et ipsum et nulla tristique facilisis. Donec eget sem sit amet ligula viverragravida. Etiam vehicula urna vel turpis. Suspendisse sagittis ante a urna. Morbi a est quis orci conse-quat rutrum. Nullam egestas feugiat felis. Integer adipiscing semper ligula.Lorem ipsum dolor sit amet,consectetuer adipiscing elit. Morbi commodo, ipsum sed pharetra gravida, orci magna rhoncus neque,id pulvinar odio lorem non turpis. Nullam sit amet enim. Suspendisse id velit vitae ligula volutpatcondimentum. Aliquam erat volutpat. Sed quis velit. Nulla facilisi. Nulla libero. Vivamus pharetra po-suere sapien. Nam consectetuer. Sed aliquam, nunc eget euismod ullamcorper, lectus nunc ullamcor-per orci, fermentum bibendum enim nibh eget ipsum. Donec porttitor ligula eu dolor. Maecenas vitaenulla consequat libero cursus venenatis. Nam magna enim, accumsan eu, blandit sed, blandit a,eros.Quisque facilisis erat a dui. Nam malesuada ornare dolor. Cras gravida, diam sit amet rhoncusornare, erat elit consectetuer erat, id egestas pede nibh eget odio. Proin tincidunt, velit vel porta ele-mentum, magna diam molestie sapien, non aliquet massa pede eu diam. Aliquam iaculis. Fusce etipsum et nulla tristique facilisis. Donec eget sem sit amet ligula viverra gravida. Etiam vehicula urnavel turpis. Suspendisse sagittis ante a urna. Morbi a est quis orci consequat rutrum. Nullam egestasfeugiat felis. Integer adipiscing semper ligula.Lorem ipsum dolor sit amet, consectetuer adipiscing elit.Morbi commodo, ipsum sed pharetra gravida, orci magna rhoncus neque, id pulvinar odio lorem nonturpis. Nullam sit amet enim. Suspendisse id velit vitae ligula volutpat condimentum. Aliquam erat vo-lutpat. Sed quis velit. Nulla facilisi. Nulla libero. Vivamus pharetra posuere sapien. Nam consectetuer.Sed aliquam, nunc eget euismod ullamcorper, lectus nunc ullamcorper orci, fermentum bibendumenim nibh eget ipsum. Donec porttitor ligula eu dolor. Maecenas vitae nulla consequat libero cursusvenenatis. Nam magna enim, accumsan eu, blandit sed, blandit a, eros.Quisque facilisis erat a dui.Nam malesuada ornare dolor. Cras gravida, diam sit amet rhoncus ornare, erat elit consectetuer erat,id egestas pede nibh eget odio. Proin tincidunt, velit vel porta elementum, magna diam molestiesapien, non aliquet massa pede eu diam. Aliquam iaculis. Fusce et ipsum et nulla tristique facilisis.Donec eget sem sit amet ligula viverra gravida. Etiam vehicula urna vel turpis. Suspendisse sagittisante a urna. Morbi a est quis orci consequat rutrum. Nullam egestas feugiat felis. Integer adipiscingsemper ligula.Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Morbi commodo, ipsum sedpharetra gravida, orci magna rhoncus neque, id pulvinar odio lorem non turpis. Nullam sit amet enim.Suspendisse id velit vitae ligula volutpat condimentum. Aliquam erat volutpat. Sed quis velit. Nulla fa-cilisi. Nulla libero. Vivamus pharetra posuere sapien. Nam consectetuer. Sed aliquam, nunc eget euis-mod ullamcorper, lectus nunc ullamcorper orci, fermentum bibendum enim nibh eget ipsum. Donecporttitor ligula eu dolor. Maecenas vitae nulla consequat libero cursus venenatis. Nam magna enim,accumsan eu, blandit sed, blandit a, eros.Quisque facilisis erat a dui. Nam malesuada ornare dolor.Cras gravida, diam sit amet rhoncus ornare, erat elit consectetuer erat, id egestas pede nibh egetodio. Proin tincidunt, velit vel porta elementum, magna diam molestie sapien, non aliquet massa pedeeu diam. Aliquam iaculis. Fusce et ipsum et nulla tristique facilisis. Donec eget sem sit amet ligulaviverra gravida. Etiam vehicula urna vel turpis. Suspendisse sagittis ante a urna. Morbi a est quis orciconsequat rutrum. Nullam egestas feugiat felis. Integer adipiscing semper ligula.Agenda13th Annual General Meeting, March 16, 2016

Registration: ……………………………………….5:00pm – 6:00pm

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VISION & MISSION

VisionTo be the financial institution of choice for current and potential members and their families.

MissionWe are a member owned organization which provides superior value on a range of responsive, quality, financial services, delivered with courtesy and concern to members and their families.

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Agenda Pg. 42016 Annual General Meeting Minutes Pg. 5Report to Membership from the President and CEO Pg. 8Board Governance Report Pg. 9Management’s Responsibility for Financial Reporting Pg. 10Audit & Finance Committee Report Pg. 11Credit Committee Report Pg. 12The Great Team at River City Pg. 14

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13th Annual General Meeting, March 16, 2017

Registration: ……………………………………….5:00pm – 6:00pmMeeting: …………………………………………... 6:00pmDinner: ………………………………………….… To follow formal meeting

1. Call to order2. Declaration of quorum3. Introduction of guests, head table, directors & staff4. Greetings a.Credit Union Deposit Guarantee Corporation b.Credit Union Central Alberta5. Appointment of scrutineers6. Adoption of the minutes of the last meeting (March 10, 2016)7. Report to the membership8. Board Governance Report9. Board elections10. Presentation of financial statement and Auditors’ Report11. Audit & Finance Committee Report12. Credit Committee Report13. Election results (if applicable)14. New business a.Youth Entrepreneur Program recipients b.Mobile app demonstration15. Staff service awards16. Adjournment17. Door prizes

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Minutes Of The 12th Annual General MeetingMarch 10, 2016

1. Call to Order:Meeting was called to order by President Kevin Moore at6:05 P.M.

2. Declaration of Quorum:Total registrations at the commencement of the meetingconsisted of 102 Members and 10 Guests. Having met the requirement that constitutes a quorum, allresulting business is legal and binding.

3. Introductions:Kevin Moore welcomed the members and guests to the12th Annual Meeting of River City Credit Union Ltd.

Kevin Moore introduced the head table as follows:Russ Morrow Chief Executive OfficerPhil Dirks Auditor - Hawkings Epp Dumont LLPJanice Webb Recording Secretary

Kevin Moore introduced the remaining Board of Directors inattendance:Joe Di Natale Mike L’HeureauxBrenda Waluk Chuck Van Deel PiepersLeo Tang Rob KuziwRick Colwell Sandi GieslerEdwin Ryl Troy Shewchuk

Excused: Bruce Ross

Russ Morrow introduced the staff.

Russ Morrow introduced the special guests:Chris Merriman – Assistant Vice President, Regulation & Risk Assessment, Credit Union Deposit Guarantee CorporationSherrill McGilvray – Manager, Regulation and Credit Risk Assessment, Credit Union Deposit Guarantee CorporationLeslie Warner – Director, Strategy and Member Engagement at Alberta CentralLeo Derkach – Treasurer, Civic Service Union 52Mike Scott – President, Canadian Union of Public Employees Local 30

Bill McBride – Vice President, University Hospitals Staff Credit UnionLinda O’Hara – Chair, Audit & Finance Committee, University Hospitals Staff Credit UnionDion Linke – Vice President, Servus Credit UnionColin Kuefler – Regional Manager, Johnson InsuranceMaria Farias – CRI Canada, Account ExecutiveDon Masson – Minsos Steward MassonDave Williamson – CEO, Beaumont Credit UnionRay Archer – Archer Appraisal Services

4. GreetingsKevin Moore called upon Chris Merriman, Assistant VicePresident, Regulation and Risk Assessment to bring greetings from Credit Union Deposit Guarantee Corporation.

Kevin Moore called upon Leslie Warner, Director, Strategyand Member Engagement to bring greetings from AlbertaCredit Union Central.

5. Appointment of ScrutineersKevin Moore recommended Dion Linke, Servus CreditUnion and Phil Dirks, Hawkings Epp Dumont be called uponas Scrutineers; and Don Masson, Minsos Stewart Massonas Parliamentarian.

Moved by: Judy JacobsSeconded by: Rick ColwellMotion Carried

6. Approval of AgendaKevin Moore requested a motion to adopt the agenda.

Moved by: Bernard Fuchs moved to approve the agenda asamended with the addition of five new motions for bylawchanges. Seconded by: Chuck Van Deel PiepersMotion Carried

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7. Adoption of 10th Annual Meeting Minutes DatedMarch 20, 2014a) Kevin Moore requested a motion to adopt the minutesof the 11th Annual General Meeting dated March 10, 2015.

Moved by: Rick ColwellSecond by: Bernard FuchsMotion Carried

b) Business Arising from the MinutesThere was no business arising.

8. Report to MembershipKevin Moore presented the report on behalf of the Board ofDirectors and management.

Kevin Moore requested a motion to adopt the report.

Moved by: Phil HeilandSecond by: Peter NeuschaeferMotion Carried

9. Board RepresentationNominating Committee ReportKevin Moore called upon Rick Colwell to present the BoardGovernance report.

Rick Colwell presented the report. The candidates who areup for re-election are: Bruce Ross, Chuck Van Deel Piepers,Edwin Ryl, Joe Di Natale, Mike L’Heureux (one year term).

Directors were declared re-elected by acclamation as nonames were put forth in accordance with RCCU Bylaw 6.31.

Member asked if nominations can be accepted from thefloor and was advised that nominations are not taken fromthe floor as per the bylaw.

Rick Colwell requested a motion to adopt the report.

Moved by: Rob KuziwSeconded by: Joe Di NataleMotion Carried

10. Presentation of Financial Statements & AuditorsReportKevin Moore introduced Phil Dirks, from the accounting firmof Hawkings Epp Dumont LLP.

Phil Dirks presented the financial statements and asked forquestions.

Member asked why the service charges are higher than lastyear. Russ Morrow responded that River City Credit Union

has to pay more to the service provider.

Member asked for an explanation on notes/schedule and itwas agreed to add page numbers to the references for specific schedules.

Member asked where the credit union stands in the firstquarter. Russ Morrow responded we are trending downward on impairment. Member asked why there was achange in patronage in 2014. Russ Morrow responded itwas due to a change in capital requirement. Member askedhow many members have quit the credit union. Russ Morrow responded that membership is tracked and we areat a 95% retention rate.

Kevin Moore requested a motion to adopt the report.

Moved by: Sandi GieslerSecond by: Leo TangMotion Carried

11. Audit & Finance Committee ReportKevin Moore called upon Leo Tang, Chair of the Audit andFinance Committee, to present the report on behalf of theCommittee.

Leo Tang presented the report.

Adoption of the report was:

Moved by: Jennifer SchindelSeconded by: Anna SchupakMotion Carried

12. Credit Committee Report

Kevin Moore called upon Russ Morrow to present the Management Credit Committee Report.

Russ Morrow presented the report. Member asked whythis is not an elected committee. Russ Morrow respondedthat there was a change to the bylaw to be a managementcommittee. Legislation states it must be members on thecommittee, but not specified if it can be staff as they aremembers. The government accepted our bylaws.

Adoption of the report was:

Moved by: Mike ScottSeconded by: Peter NeuschaefferMotion Carried

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13. New Business a) Special Motion – Retired director’s honorariumKevin Moore presented the request to recognize the contribution of a retired board member with an honorarium inthe amount of $700.00.Kevin Moore called for a motion to approve the honorarium.

Moved by: Rick ColwellSeconded by: Rob KuziwMotion Carried(1 opposed, B. Fuchs)

b) Special Motion – Disclosure of Executive CompensationUnder the terms of the Province of Alberta Credit UnionAct, each credit union is required to present the followingresolution to the membership regarding remuneration andbenefits received by executive management of the creditunion.

“Be it resolved that River City Credit Union Ltd. disclose thetotal annual remuneration and benefits received, directly, or indirectly, from the credit union and its subsidiaries and affiliates by each of the following executive managers as anotation to its annual financial statements, in the form setout in Schedule 3 to the Credit Union (Principle) Regulation.”

Executive included: Russ Morrow, CEO

Moved by: Phil HeilandSeconded by: Jake Jacobs

Discussion and debate by members followed.

Question called to cease debate.Motion Defeated

Moved by: Phil Heiland that the board look after this salaryand recommend increases.Seconded by: Jake JacobsThis motion is in direct conflict with legislation.Motion withdrawn.

c) Member Notification of MergerRiver City Credit Union has entered discussions about amalgamating with University Hospitals Staff Credit UnionLtd. Because River City is more than 10 times the size ofUniversity Hospitals, a resolution at River City’s AGM is notrequired. However, this notification is intended to keepRiver City members abreast of significant changes to thecredit union. There will be minimal impact on existing RiverCity members. The main benefit will be extending the bondto include employees of Alberta Health Services.

Moved by: Peter NeuschaefferSeconded by: Chuck Van Deel Piepers

Member asked if Covenant Health is included and was advised anyone under contract in the medical profession isincluded, including those from Covenant Health.

Member asked if they will be able to see financial statements. Yes; River City Credit Union will hold a SpecialGeneral Meeting in May at which time financial statementswill be available.Motion Carried

d) 5 Motions for Bylaw ChangesPeter Neuschaefer moved 5 changes to the bylaws.Leo Derkach seconded the motion.Motion Defeated

Mike Scott moved to refer all bylaw amendments to theboard for review.Bernard Fuchs seconded the motion.Motion Carried

14. Door PrizesKevin Moore called upon the directors and staff to assistwith door prize draws and thanked all the donors of sponsored prizes.

Kevin Moore thanked the following:

• Organizing committee• Receptionist and registration volunteers• Management and staff• Board members in attendance• All members and guests for coming out

Special thanks to staff of the Chateau Louis for their excellent food and service.

15. AdjournmentKevin Moore called for a motion to adjourn at 7:40 PM.

Moved by: Rick Colwell Meeting Adjourned

_______________________ _________________________Kevin Moore, President Janice Webb, AGM Recording Secretary

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Report to the Membership from the President and the Chief Executive Officer

Welcome to the 13th Annual General Meeting of River City Credit Union (RCCU). On behalf of the Board of Directors andmanagement, it is our pleasure to present the 2016 Annual Report for River City Credit Union.

We extend a special welcome to our new members from the University Hospitals Staff Credit Union. We are pleased to report the amalgamation between RCCU and University Hospitals Staff Credit Union went extremely well. Together we willcontinue our tradition as an organization focused on serving our credit union members and the community.

In 2016, we achieved a solid level of operational success. Delinquent and impaired loans have been very low and stable with a delinquency rate at 0.32% and impairment at 0.08% to end the year. RCCU’s financial performance remained steadydespite the challenge of low interest rates. RCCU posted a net income before taxes of $115,174 down from $130,073 lastyear, largely as a result of the low interest rates. Our operational audits compare RCCU to other Alberta credit unions of similar size. We are pleased to report that RCCU is doing very well relative to its peers.

As a cooperative, RCCU is committed to share with its members. We are pleased to announce that due to a solid financialyear, RCCU paid out a dividend of 6¢ per share for the 2016 fiscal year, with 3¢ per share paid out in cash and 3¢ as sharesfor a total dividend of $37,390.

RCCU continues to pursue innovative solutions to improve our product line and the member experience. In 2016, RCCUmade a number of significant technology advancements. The website was completely redesigned with a new contemporarylook, more functionality (including a suite of calculators), and integrated marketing messages. A mobile app, called River CityAnywhere, is now available, with the Deposit Anywhere feature, which enable members to deposit cheques remotely simplyby taking a picture of a cheque. We upgraded our loan application system which enables loans to be approved electronicallyand for our loans officers to login in and complete a loan application anywhere they may be. Lastly, we launched a Facebookpage (Facebook.com/RiverCityCU), which we encourage you to find and to like.

RCCU continues to foster our core value of being a community focused organization. In 2016 RCCU continued to support anumber of worthy community causes. RCCU regularly participated in collecting donations for the food bank and filled severalboxes this year. Additionally, RCCU matched almost $2,000 in member donations to the Edmonton Transit Donate A Ridecampaign. Lastly, for the second year, RCCU supported young entrepreneurs through our Youth Entrepreneur Program,where we provide up to $500 to a child or grandchild of a bond member to start a summer business.

In closing, we thank the management and staff for their commitment and professional and personal service they provide toour members. We thank all the directors on the board who selflessly provide innumerable volunteer hours of service for thebenefit of our credit union. Their governance and oversight are a big reason why the RCCU was able to succeed this year.Lastly, we thank all our faithful members for their support and generosity in making the RCCU a great community minded or-ganization. Together, we have done so much good in 2016. We look forward to the challenges 2017 will bring. Together wewill make the lives of our members and community even better.

Kevin Moore, President Russ Morrow, CEO

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On behalf of the Nominating Committee (Susan Hughes, Brenda Waluk and Brent Trombley), I am pleased to present the following report.

There is some complexity to this year’s report. On November 1, 2016, River City Credit Union and University Hospitals StaffCredit Union amalgamated. Part of the amalgamation agreement modified the bylaws to increase the board size to 14 positions, with a stipulation that the board must be reduced to 12 positions by the March 2018 AGM. The agreement alsostipulated that three positions on the combined board be designated for University Hospitals Staff Credit Union board members.

This year, we have four positions of the River City board up for reelection.

The following four Board members are up for election for this Annual General Meeting:

Mike L’Heureux EpcorLeo Tang Member at LargeRob Kuziw City of EdmontonTroy Shewchuk City of Edmonton

Each of these individual’s declaration of interest has been reviewed against the current bylaw and requirements which mustbe met to be considered for election. Each candidate has extensive experience on the board and has met the required criteriaas per the bylaws.

Should any additional candidates express interest in running for election to the Board by the March 2, 2017, deadline, theywill be announced at the Annual General Meeting assuming they meet the required criteria as per the bylaws.

Respectfully submitted,

Brenda WalukChair, Nominating CommitteeMarch 2017

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To the Members of River City Credit Union Ltd.:

Management has the responsibility for preparing the accompanying financial statements and ensuring that all information inthe annual report is consistent with these statements. This responsibility includes selecting appropriate accounting principlesand making objective judgments and estimates in accordance with International Financial Reporting Standards and the requirements of the Credit Union Act.

In discharging its responsibility for the integrity and fairness of the financial statements, as well as for the accounting systemsfrom which they are derived, management maintains the necessary systems of internal controls designed to provide assurance that transactions are authorized, assets are safeguarded and proper records are maintained.

The ultimate responsibility to members for the financial statements lies with the Board of Directors. The board appoints anAudit and Finance Committee to review the financial statements with management, in detail, and to report to the board prior to its approval to publish the financial statements.

The board appoints external auditors to audit the financial statements and to meet with both the Audit and Finance Committee and management to review their findings. The external auditors report directly to the members. The external auditors have full and free access to the Audit and Finance Committee to discuss their audit, as well as their findings concerning the integrity of the credit union’s financial reporting and the adequacy of its systems of internal controls.

Edmonton, AlbertaJanuary 31, 2017

Russ Morrow, MBA Julie Huynh, CGA

Chief Executive Officer Controller

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The Audit and Finance Committee (AFC) consists of five directors appointed by the board and is a requirement of AlbertaCredit Union Act. Legislation outlines some specific functions that this committee must undertake and the Credit Union Actdesignates the committee membership terms and conditions. The five directors for the fiscal year ending October 31, 2016,were Leo Tang (chair), Joe Di Natale, Sandi Giesler, Edwin Ryl, and Troy Shewchuk.

In 2016 we contracted the services of the Credit Union Central of Alberta, Audit Department to perform our internal audits.Hawkings Epp Dumont was chosen to perform our year end audit. The committee received the reports and is satisfied withrecommendations received. Our management team strives to incorporate the recommendations into our operations.

Internal audits continue to be stronger than the average for River City’s peer group.

As financial reporting continues to be more complex, the AFC needs to make sure that the financial statements are understandable and transparent. The AFC provides oversight to the reporting of the financial results and accounting and reporting practices.

Changes in capital thresholds were introduced by the provincial regulator in 2013 with an aggressive three year rollout of increasingly higher capital requirements. Our capital has grown steadily to meet these requirements. At October 31, 2016,River City was just shy of the increased capital thresholds. However, with the amalgamation of University Hospitals StaffCredit Union on November 1, 2016, River City achieved the regulator’s capital threshold. Our capital has grown from $3.9 million at the beginning of 2013 to $4.7 million as at October 2016 when combined with the capital from the University Hospitals Staff Credit Union.

The Audit & Finance Committee would like to thank the board, staff, management and the auditors for their assistance and recommendations through this past year.

Respectfully submitted,

Leo Tang

Chair, Audit & Finance Committee

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Credit Committee Report for River City Credit Union

The Credit Committee is pleased to report that during the fiscal year ending October 31, 2016, a total of 247 loans were disbursed for a value of $17,393,318.97.

Loan Disbursement by Purpose

Loan Purpose # of Loans % of number Amount % of amount

Auto Purchase or Repair 45 18.22% $1,073,075.98 6.17%Commercial 1 0.40% $2,531.06 0.01%Commercial Real Estate 2 0.81% $2,826,620.24 16.25%Debt Consolidation 103 41.70% $6,417,320.35 36.90%Consumer Goods 27 10.93% $540,683.21 3.11%Home Improvement 26 10.53% $1,652,301.15 9.50%Investment 7 2.83% $335,108.72 1.93%New Housing 3 1.21% $886,516.35 5.10%Other Real Estate 4 1.62% $615,293.61 3.54%RRSP 5 2.02% $66,882.83 0.38%Recreational Vehicle 3 1.21% $45,656.48 0.26%Used Housing 14 5.67% $2,886,958.85 16.60%Vacation 7 2.83% $44,370.14 0.26% Total 247 100.00% $17,393,318.97 100.00%

In addition, 40 authorized overdrafts and lines of credit were issued for a total value of $ $960,850.00.

A total of 15 loans for a value of $387,050.94 were rejected during the fiscal year.

Committee Members

Standing Members Alternate Members

Russ Morrow, CEO Henriette Breault, Mgr of Cash and Deposit ServicesAnna Pucci-Theberge Mgr, Lending Services Chau Tran, Member Service Representative IIJulie Huynh, Controller Nidhi Singh, Accountant

Respectfully submitted,

Anna Pucci-Theberge

Manager, Lending Services

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Credit Committee Report for University Hospitals Staff Credit Union

The Credit Committee is pleased to report that during the fiscal year ending October 31, 2016, a total of 49 loans were disbursed for a value of $501,347.65.

Loan Disbursement by Purpose

Loan Purpose # of Loans % of number Amount % of amount

Auto Purchase or Repair 4 8.16% $95,370.26 19.02%Debt Consolidation 19 38.78% $293,301.06 58.50%Consumer Goods 5 10.20% $24,781.12 4.94%Home Improvement 7 14.29% $45,525.51 9.08%RRSP 1 2.04% $2,020.00 0.40%Tax 1 2.04% $2,625.97 0.52%Vacation 3 6.12% $28,320.59 5.65%Sent to Philippines 9 18.37% $9,403.14 1.88%

Total 49 100.00% $501,347.65 100.00%

A total of 37 loans for a value of $464,547.76 were rejected during the fiscal year.

Committee Members

• Sylvia Moore, Chair• Carol Miller• Terry Nicholson-Knudson

Respectfully submitted,

Vicky Muir

Manager

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River City Credit Union Board of DirectorsKevin Moore PresidentBrent Trombley Vice-President, & Chair, Nominating CommitteeLeo Tang Chair, Audit & FinanceRick Colwell DirectorJoe Di Natale DirectorSandi Giesler DirectorSusan Hughes DirectorRob Kuziw DirectorMike L’Heureux DirectorLinda O’Hara DirectorEdwin Ryl DirectorTroy Shewchuk DirectorChuck Van Deel Piepers Recently ResignedBrenda Waluk DirectorDeb Foster Board Secretary

River City Credit Union Staff MembersRuss Morrow Chief Executive Officer Deposit Services Henriette Breault Manager, Deposit ServicesHeather Rosenthal Investment AdvisorTanya Kozenko Member Service Representative

Jasmine Lavoie-Khatib Member Service RepresentativeDhara Patel Member Service RepresentativeKrista Porcina Member Service RepresentativeChau Tran Member Service RepresentativeVi Dumais Receptionist Accounting and Back OfficeJulie Huynh ControllerNidhi Singh AccountantKuldeep Gill Administration OfficerTracey Sawatzky Compliance Administrator Lending Services Anna Pucci-Theberge Manager, Lending ServicesVicky Kolwich Sr. Loans OfficerSong Li Sr. Loans OfficerShannon Porter Sr. Loans OfficerCrystle Priestley Loans Officer Marketing Amy Mottershead (mat leave) Manager, Marketing & HRKayla Chapman (term position) Marketing Assistant

A special thanks to Lola Woudstra who retired this yearafter 21 years of service.

Working to Serve You: Credit Union Board of Directors and Staff

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