29/10/10 9:17 AM 9:17 29/10/10 noventis_envelope_print.indd 2 noventis_envelope_print.indd

Larry Davey CIM Chief Executive Officer

Box 1139 Gimli, R0C 1B0 T 204 642 6454 F 204 642 6476 E [email protected]

noventis_business_cards_print.indd 3 29/10/10 1:46 PM

Box 428 Riverton, Manitoba R0C 2R0 R0C Manitoba Riverton, 428 Box Noventis Credit Union Credit Noventis blank Inside

Mission Statement and Core Values. . . . . 2

Message from the Board. . . . . 3

Our People. . . . . 8

Products and Services. . . . .9

Committed to our Communities. . . . . 10

Auditors Report. . . . . 12

Financial Statements. . . . . 13

2011

1 Mission

Our Mission at Noventis Credit Union is to provide quality financial services and support for our members and communities.

Core Values

In achieving our Mission, we are guided by these Core Values and Principles:

• Integrity: We pursue the highest standards of ethics and respect. We earn trust through our honest, open and transparent practices.

• Excellence: We strive for superior performance, and consistently provide professional, innovative and quality service.

• Accountability: We are accountable for our actions. We demonstrate responsive and innovative leadership to ensure the strength of our organization.

• Cooperation: We work together in the spirit of teamwork, collaboration and cooperative principles.

• Sustainability: We are committed to the long term well-being of our communities.

21 The meldingoffourcre Board ofDirectorsReport instability playsonthehuman psychetosavemoreandbecautiousinrisktaking. bailouts fromtheInternational MonetaryFund. AlthoughCanada’s financial situationisstable,thisglobal financial institutionfailures, butalsosomecountriesteeteringonthebrinkofinsolvency lookingfor This pastyearhasbeena Business This lastpointisexplainedinmoredetailfurtherthereport underredemptionofshares. priorities thatweidentifiedwere: Reflecting onthesestatements,wedevelopedacorporatesocialresponsibility(CSR)policy. Thefivetop Sustainability: Cooperation Accountability: Excellence: Integrity: Our Core Values are: members andcommunities. Our MissionatNoven Our MissionStatementis: the neworganizationtoadhereto. accomplishing this,wedraftedaMissionStatementandsetofCore Values thatprovidesdirectionfor our challengetobuildthatsameloyaltywithinthemembershipofNoventisCredit Union.To aidin of thefourlegacyCredit Unionshadverystrongbrandloyaltyintheirrespectivecommunities.Itis of NoventisCredit Unionhasbeenaproductiveone,forboththedirectorsandemployees.Each 5. 4. 3. 2. 1.

: We areaccountableforouractions.We demonstrateresponsiveand innovativeleadership

We striveforsuperiorperformanceandconsistentlyprovideprofessional,innovative, We arecommittedtothelong-termwellbeingofourcommunities. We pur Develop NoventisCredit Union’sequitypositionstrategy. NCU willbeidentifiedasaleaderincommunitysupport anddevelopment. NCU wishestobean“employerofchoice”inourcommunities. on ourongoingCSRinitiativesandbusinesspractices. To continuallyeducateNoventisCredit Union’smembersandothercommunity members of theoverallBusinessStrategicPlan. Develop a CSR strategy that formalizes Noventis Credit Union’s CSR commitments as part to ensurethestrengthofourorganization. quality service. open, andtransparentpractices. We worktogetherinthespiritofteamwork,collaboration,andcooperativeprinciples. sue thehigheststandardsofethicsandrespect.We earntrustthroughourhonest, tis Credit Unionistoprovide qualityfinancialservicesandsupportforour dit unionsintoonenewentityisanextensiveendeavor. Thisfirstyearofoperation tumultuous yearinthefinancialmarketsacrossglobe, withnotonly 3 continued nextpage

ANNUAL REPORT 2011 Board of Directors Report (continued)

Contrary to the global market, the first year of operation for Noventis has been a successful one. Asset growth for Noventis in this first year of operation was just under 8% which was slightly lower then the rest of the Manitoba Credit Union system, which grew over 10%. Demand for loans decreased this year with loan growth at 6.32%, which lowered the percentage of assets lent out from 81.69% at the beginning of the year to 80.44% at year-end. This same scenario of lower loan growth is being faced by most of the rural Credit Unions in Manitoba. The branch was previously housed in a rented building. The operation had out grown that location, and this year saw new construction, which is double the size from the previous location with 5,060-sq. ft. of workspace. The new branch, which includes a drive through and walk up ATM, will provide an efficient and modern facility to serve the Ashern area members into the future. The new facility cost $2.2 million and demonstrates our commitment to the community. This year, the board declared a patronage refund of $247,520 based on service charges paid by members as outlined in note 12 of the annual report. This refund will be used to purchase additional member surplus shares.

Banking System The financial service industry continues to change at a rapid rate and as we grow and strive to be your financial institution of choice, we attempt to keep pace with technological changes, and at the same time keep the costs in line for you, the members. This is not always an easy task, but we do our best to find a balance between your needs and your costs for those services. One of the decisions we had to make this year in that regard was to choose a common banking system. A committee was struck, and given the task to study the options and make a recommendation to the board. After much deliberation, the decision was made to employ the Infonancial banking platform. This led to the process of converting first the Riverton and Arborg branches during the summer, and lastly Eriskdale’s branches in the fall. This was an immense task and the board would very much like to thank the management and staff for all the extra effort they provided to complete the conversion. There are always some complications and issues with every banking system conversion and this instance were no exception. We ask our members for their understanding and to be patient while the problems encountered during the conversion process are corrected. The board is confident that selecting Infonancial for our banking platform was the right choice, and that it will translate to very significant monetary advantages for Noventis in the years ahead.

Share Redemption One of the primary responsibilities of the board is to ensure that the Credit Union remains viable. In doing so, we must assess potential risk exposure that the Credit Union could encounter. One of those risk management strategies is to maintain adequate capital to ensure the stability of the Credit Union. The minimum requirement by law is 5% of assets. The legacy Credit Unions all had an equity base above the legal requirement, composed of a mixture of retained earnings and member’s shares. The new board policy on equity is that Noventis will maintain a minimum equity level of 5.875% of assets. The plan is to repay the members’ portion of share capital over the next five to seven years and replace that equity

4 portion withrevenuefromretainedearnings.Thispolicyiskeepinginlinetherecommendationsthat Board ofDirectorsReport(continued) encourage anymembersinneed ofthisservicetocontacttheirlocalbranchschedule anappointment. to beafulltimewealthmanagementserviceproviderfor themembersofNoventisCredit Union.We person ontheirown.Ourcombinedassetsizehasenabled ustoengagetheserviceofWendy McConnell many years,buttheindividualCredit Unionswerenotofsufficientsizetoemploy awealthmanagement Wealth managementisaserv Wealth Management four legacyCredit Unionsinthepreviousyear. This year’scommunitydonationshaveincreasedapproximately 30%comparedtowhatwasgivenbythe Quinn Vandersteen andLindsayImlahfromFisherBranch. Erica JoblingandJadeParkesfromLundar, Kelsey SigfussonandMichellePaulsonfromAshern, Kaly Devlin,Cole Torfason, Tabby LuprypaandSarahHuslukfromGimli/WinnipegBeach, Bradey Collins andMeganJohnsonfromRiverton, Taylor SigurdsonandKiahStoyanowskifromArborg, The bursaryrecipientsthisyearwere: total of$7,000. education afterhighschoolgraduation.Thisyear, therewere$500bursariesgivento14students,forthe amount of$138,000.NCUawardsbursariestomembersfromourregionsthatarecontinuingtheir development. Overthelastyear, wehavedonatedfinancialsupportto159organizationsforatotal of theNoventisCredit Union CSRprioritiesistobeidentifiedasaleaderincommunitysupportand beyond thegoalofprovidingexcellentfinancialservicesatareasonablecosttoourmembers.One As aboard, Community Involvement have paidoutat additional $662,000ofsurplussharesincash,backtomembers.Asaresult,NoventisCredit Unionwill to estates,membersover65,andthosewhohavemovedoutoftheprovince.We arealsopayingoutan earnings tosustainthe5.875%equitylevel.Thisyear, wearepayingout$384,000fromsurplusshares adhere tothispolicy, withyear-endassetsof$460.5 million,wemustmaintain$27.05millioninretained has beenredeemed,allfurtherallocationforpatronagedividendswillbepaidincashtothemembers.To equity held from retained earning is the preferred form of capital retention. After the member share capital are beingprescribedbythenewglobalstandardforcapitalrequirement,(BaselIII),whichsuggeststhat webelievethatNoventisCredit Unionhasresponsibilitiestothecommunitythatextends otal of$1,046,000,incash,backtomembersthefirstyearoperations. ice thatmembersofthelegacyCredit Unionshavebeenaskingaboutfor 5 continued nextpage

ANNUAL REPORT 2011 Board of Directors Report (continued)

Recognition Part of the amalgamation agreement was that each legacy Credit Union would elect four directors to the Noventis board for the first year. After the first year, each district will have at least one and not more than three directors, so the board will be reduced from the present sixteen directors to a maximum of twelve. We would like to extend our sincere thanks to the retiring directors for their contributions - not only to Noventis, but also for the time they spent as directors of their respective legacy Credit Unions. The board would also like to thank the staff for the personable and professional service they provide to the members and as mentioned earlier, generous thanks for all the extra time and effort that they have contributed this year through the amalgamation and banking conversion process. It is truly appreciated. We would also like to thank you, the membership, for your commitment to having Noventis Credit Union as your financial institution of choice. By working together in a cooperative manner and by adhering to our Values, we can realize “our mission of providing quality financial services and support for our members and communities”.

Respectfully submitted on behalf of the Noventis Credit Union board of directors.

6 Board ofDirectors Philip BauernhuberCLO Mark JeffersCFO,LarryDaveyCEO, Senior Executive Missing –SandraFalk, DarrenSigurdson Barrie Sigurdson,PeggyVigfusson,MarleneMichno Front L-R-Tanis Grimolfson,JoanneWarwick, DaveMcLelland, Sigurdson Reimer, EricFridfinnson, PaulCuthbert,JonasThorarinson,John Back L-R-JackValgardson, BragiSimundsson,LeeGregory, Abe Sandra Falk BOARD CHAIR Barrie Sigurdson John Sigurdson Dave McLelland 7 Bragi Simundsson Abe Reimer VICE CHAIR Marlene Michno Eric Fridfinnson SECRETARY Peggy Vigfusson Lee Gregory Jack Valgardson Jonas Thorarinson Darren Sigurdson Paul Cuthbert Tanis Grimolfson Joanne Warwick

ANNUAL REPORT 2011 Our People

Lisa Abuda Maureen Johnson Darlene Prazinak Sigvaldason Julie-Ann Backman Crystal Johnson Cecil Rawluk Insurance Elaine Bahuaud Michele Johnson Theresa Rea Teresa Barylski Adrienne Baker Heather Jones Nielle Roberecki Caroline Lindstrom Carol Barkman Kirsten Josephson Roxanne Roche Marsha Ostertag Lorraine Barteski Brett Kiesman Bridget Ross Debbie Sigvaldason Shelly Batenchuk Valerie Kinkead Dwight Sander Morley Sigvaldason Shirley Bauch Lorette Kirby Roberta Saretsky Wesley Sigvaldason Philip Bauernhuber Kimberly Kornik Kathy Sauerborn Jenna Stansell Kathy Bernier Lana Kovich Marilyn Schettler Heather Binda Meredith Krawac Carol Schmidt Agencies Kaitlyn Bjornson Holly Kulbacki James Semchyshyn Richard Arnason, Stephanie Brown Tracey Kursen Doris Seymour Darlene Vokey Larry Davey Rebecca Langford Darlene Skibinski Anne Isfeld Darlene D’Hont Paulette MacGregor Nicole Skorupski Melissa Markusson Sherri-Lynn Dickson Wendy McConnell Melany Smith Corrina Doll Jamie Einarson Jody McPherson Cheryl Springer Melissa Walton Kim Feschuk Jennifer Miller Trisha Spulnick Kathy Marks Molly Forsyth Pamela Moroz Susan Steinmetz John Wishnowski Bonnie Franz Kyla Mosienko Denise Stobert Chris Neufeld Roland Friesen Jennifer Mozdzen Lynne Stobert Dave Humniski Patricia Furgala Justine Muzyka Adeline Stocki Darlene Hargreaves Caley Goray Lucy Nelson Elsa Tegelberg Ingrid Bennett Cassandra Green Lois Neufeld Doreen Thordarson Laurence Humniski Cynthia Grimolfson Donica Olafson Lynda Vanderveen Ken Stephanson Genni Hibbert Kimberly Ostafichuk Noreen Walkin Kim Giesbrecht Megan Hnatiuk Brenda Palsson Cherri Woroniuk Dayna Clark Heather Hogue Donna Paluk Wendy Yuzwa Calvin Kuch Kathy Ives Colleen Parkes Matthew Zagozewski Ellen Wyka Mark Jeffers Christine Peters Kelsey Johannson Kelly Peterson Jody Johnson Kyrie Pfrimmer- Judy Johnson Mishtak Jessie Plett

8 Products &Services • • • • • • Other Services • • • • • Registered Plans • • • • • • • • • • Deposits Accounts • • • • • • Electronic Services This isbasedontheclosingmonthlytotalofyourloansand/ordepositsbeinginexcess$40,000.00. chequing accountservicetransactionfeesarereturnedtoourmembersaccounts. Noventis Credit UnionoffersaMemberValue Pricingprograminwhichmonthlypersonalandbusiness MVP Program Foreign Currency U.S. Funds Credit UnionMastercard Money Orders(Cdn. AndU.S.) Traveller’s Cheques Personalized Cheques TFSA RESP (RegisteredEducationSavingsPlan) Income Fund) RRIF (RegisteredRetirement RRSP GIC’s AgriInvest Ultimate Savings Performance Savings Organizational Agriculture Business Golden Youth Chequing ATM’s Telephone Bankingserviceincluding:Billpayment,Transaction andBalanceinquiry Membercard (Interac,AccuLink,Cirrus,andMaestro) Interac DirectPayment Electronic Funds Transfer includingDirectDepositandPreauthorizedDebit Online Bankingincluding:Billpayment,andTransaction andBalanceinquiry • • • • • • • • • • Insurance Services • • • • • • Loans 9 Utility Payments Wire Transfers Commissioner forOaths Financial PlanningServices Safety DepositBoxes Night Depository Travel Mortgage Life Disability Agricultural loansandMortgages Commercial LoansandMortgages Student Loans Lines ofCredit Mortgage loans(variableandTerms) Personal Loans

ANNUAL REPORT 2011 Committed to our Communities

In 2011 we gave back to the following organizations in our communities:

158 Fisher Air Cadet Evergreen Basic Needs Interlake RHA Riverton Funfest Agriculture, Food and Rural Evergreen Festival of the Arts Interlake Snowtrackers Riverton Memorial Arena Initiatives Fisher Branch Care-A-Lot For Tots IRHA Northeast Pallative Care Riverton Memorial Arena Alf Cuthbert School PAC - Fisher Branch Chamber of Jewish Post & News Scoreboard Commerce Johnson Memorial Hospital Riverton Minor Hockey - Novice Arborg Early Middle Years School Fisher Branch Church Junior Men’s Provincials Riverton Minor Hockey - Squirts Arborg & District Chamber Fisher Branch Collegiate - Terry Junior Trapper Training Course - Ronald McDonald House Chatter Ad Fox Run Eriksdale Royal Canadian Legion Arborg & District Chamber of Fisher Branch Curling Club Kiwanis Club of Gimli & District Seniors Resource / Wpg Beach Commerce Fisher Branch Cyclones Lake Manitoba Eagles Hockey Legion Arborg & District Cheer Board Fisher Branch Early Years School Lake Foundation Sigubjorg Stefannson School Arborg Agricultural Society Fisher Branch Minor Hockey Writers Group Breakfast Program Arborg Breakfast With Santa Fisher Branch Recration Centre Lakeside Seniors Club - Wpg Skate Interlake Arborg Carnival Fisherton Rodeo Beach Special Olympics Manitoba Arborg Daycare Fraserwood Fire Department Lakeside Sno Drifters Swan Valley Game Warden Golf Arborg Early Middle Years School Fraserwood Talent Show Logberg-Heimskringla Inc. Tournament Arborg Heritage Museum Fraserwood Volunteer Fire Ag Society 4H Terry Fox Run Arborg Ice Dawgs Department Lundar Fair - Sigfusson Northern The Bridge Drop Inn Centre Arborg Ladies Curling Club George Johnson Middle School Lundar Golf Course The Icelandic Open Arborg Minor Hockey Breakfast Program Manitoba High School Athlectic Top Hat Bonspiel Arborg Multicultural Heritage Gimli & District Wildlife Association Town of Village Association Manitoba Infastructure and U of M Agricultural Faculty Grad Arborg Parade Gimli Barvinok Dance Club Transportation Wasagaming Sponsorship Arborg Skating Club Gimli Day Masters Curling Westshore Community Arborg-Bifrost Rec Commission Gimli Classic Bonspiel Matheson Island Coop AGM Foundation Arborg-Bifrost Rec Commission Gimli District Health Auxiliary Matlock Fire Department Westshore Community - Arena Gimli Film Festival Matlock Music and Arts Festival Foundation Awards Arborg-Bifrost Rec Commission - Gimli Fire & Rescue MB 55+ Games Sponsorship Whitetail & Walleye Game & Fish Curling Club Gimli High School Breakfast MB Cooperative Society Assoc. Arnes Community Hall Program Member Ag Seminar Winnipeg Beach Art & Culture Coop Arborg Seniors Council Gimli High School Presentation Missing Kid’s Ad Winnipeg Beach Curling Club Ashern Auction Mart Speaker Moosehorn Bonspiel Winnipeg Beach Fire Fighters Bladder Cancer Canada Gimli High School Sport Moosehorn Culing Club Sponsorship Association Broad Valley Community Centre School Gimli Kinette Club Winnipeg Beach Rec Camp Morton Ladies Aid Netley Creek Golf & Country Club Gimli Men’s Curling Winnipeg Beach School Breakfast Canadian Cancer Society NorthWest Ducks Unlimited Gimli Mixed Curling Program Canadian Human Rights Museum Ochekwi-sipi Economic CFRY Hometown Ad - Ashern Gimli New Horizons Winnipeg Beach School Parent Development Corp. Advisory Council CFRY Hometown Ad - Fisher Gimli Rotary Club Old Gimli Road Sponsorship Branch Gimli Wolves Wpg Beach Fire Department & Operation Red Nose Lakeside Lions Children’s Hospital Activity Book GRC Fitness Centre Parkinson Superwalk YBC Gimli Combo Girls Team Children’s Safety Magazine Guardian Angels - Cancer Care Pitchin’ Hay Publishing Cooperative Development Fund Healing Hands Busy Book Port in the Storm Creamery Day Ad -Eriksdale Heart & Stroke Foundation Progressive Ag. Safety Days Cruisin Gimli Hearts of the Country Ramona’s Reach Ducks Unlimited Canada Hospital Activity Book Region Gliding School (Prairie) Eaglets Daycare Co-op House of Hope - Arborg Riverdale Place Homes East Interlake Community Futures Icelandic Festival Riverton Chamber of Commerce Awards Icelandic River Community Riverton Christmas Hamper EBN Gala Night Foundation Program EBN Hoedown Icelendic Festival of Manitoba Riverton Curling Club Eriksdale Beef Seminar Interlake Angus Bull Sale Riverton Early Middle Years Eriksdale Community Calendar Interlake Lightening Midget AAA School Eriksdale Community Club Interlake Pagent Riverton Elks Eriksdale Parent Committee Interlake Pike Riverton Elk’s Talent Show Eriksdale Rec Centre Interlake Retreat Riverton Friendship Centre

10 Management’s Responsibility 11

ANNUAL REPORT 2011 IndependentIndependent Auditors' Repo rtAuditors’ Report

To the Members of Noventis Credit Union Ltd.:

We have audited the accompanying consolidated financial statements of Noventis Credit Union Ltd. and its subsidiaries, which comprise the consolidated balance sheet as at September 30, 2011, and the consolidated statements of income and retained surplus and cash flows for the year then ended, and a summary of significant accounting policies and other explanatory information.

Management’s Responsibility for the Consolidated Financial Statements Management is responsible for the preparation and fair presentation of these consolidated financial statements in accordance with Canadian generally accepted accounting principles, and for such internal control as management determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

Auditors' Responsibility Our responsibility is to express an opinion on these consolidated financial statements based on our audit. We conducted our audit in accordance with Canadian generally accepted auditing standards. Those standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free from material misstatement.

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the consolidated financial statements. The procedures selected depend on the auditors' judgment, including the assessment of the risks of material misstatement of the consolidated financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the consolidated financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the consolidated financial statements.

We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit.

Opinion In our opinion, the consolidated financial statements present fairly, in all material respect, the financial position of Noventis Credit Union Ltd. and its subsidiaries as at September 30, 2011 and the results of its their operations and their cash flows for the year then ended in accordance with Canadian generally accepted accounting principles.

Emphasis of Matter We draw attention to Note 2 to the financial statements which describes the amalgamation that occurred on September 30, 2010, resulting in the formation of Noventis Credit Union Ltd., and the explanation of the comparative figures included in these consolidated financial statements. Our opinion is not qualified in respect of this matter.

Winnipeg, Manitoba

January 4, 2012 Chartered Accountants

2500 - 201 Portage Ave., Winnipeg, Manitoba, R3B 3K6, Phone: (204) 775-4531, 1 (877) 500-0795

12 As atSeptember30,2011 Consolidated BalanceSheet 13

ANNUAL REPORT 2011 Consolidated Statement of Income and Retained Surplus Noventis Credit Union Ltd. For the year ended September 30, 2011 Consolidated Statement of Income and Retained Surplus For the year ended September 30, 2011

Unaudited Proforma 2011 2010

Financial income Interest from members' loan 16,216,762 14,534,137 Investment income (Note 4) 1,888,570 2,024,890

18,105,332 16,559,027

Cost of funds 8,425,095 7,803,079

Financial margin 9,680,237 8,755,948

Operating expenses Administration 3,357,045 3,040,657 Member security 411,272 378,041 Occupancy 920,310 1,302,415 Organizational 213,412 375,560 Personnel 5,764,001 4,859,535

Gross operating expenses 10,666,040 9,956,208

Other (revenue) expense Banking service charges, fees, and commissions (2,877,060) (2,589,303) Insurance commissions (420,804) (342,176) Discontinued software fees - 2,011,425

(3,297,864) (920,054)

Net operating expenses 7,368,176 9,036,154

Income (loss) from operations before provision for loan losses 2,312,061 (280,206)

Provision for loan losses (Note 5) - (38,134)

Income (loss) from operations before patronage refund 2,312,061 (318,340)

Patronage refund (Note 12) (247,520) (724,045)

Income (loss) before income taxes 2,064,541 (1,042,385)

Provision for income taxes (Note 13) 262,600 (91,263)

Net income (loss) 1,801,941 (951,122)

Retained surplus, beginning of year 17,091,293 18,042,415

Retained surplus, end of year 18,893,234 17,091,293

14 The accompanying notes are an integral part of these financial statements

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ANNUAL REPORT 2011 Notes

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Larry Davey CIM Chief Executive Officer Arborg 250 Main Street Box 328 Arborg,Box 1139MB R0C Gimli, 0A0 Manitoba R0C 1B0 Phone:T 204 204-376-2798 642 6454 AshernF 204 642 6476 #4 Highway #6 BoxE [email protected] Ashern, MB R0C 0E0 Phone: 204-768-2733

Eriksdale 4 Railway Avenue Box 99 Eriksdale, MB R0C 0W0 noventis_business_cards_print.inddPhone: 3 204-739-2137 29/10/10 1:46 PM

Fisher Branch 48 Tache Street Box 299 Fisher Branch, MB R0C 0Z0 Phone: 204-372-8411

Gimli 34 Centre Street Box 1139 Gimli, MB R0C 1B0 Phone: 204-642-6450

Moosehorn 11 Railway Avenue Box 190 Moosehorn, MB R0C 2E0 Phone: 204-768-2437

Riverton 51 Main Street Box 428 Riverton, MB R0C 2R0 Phone: 204-378-5121

Winnipeg Beach 23 Stitt Street Box 429

Winnipeg Beach, MB R0C 3G0

Phone: 204-389-2550

Box 428 Riverton, Manitoba R0C 2R0 R0C Manitoba Riverton, www.noventis.ca428 Box

Noventis Credit Union Credit Noventis

Box 428 Riverton, Manitoba R0C 2R0 R0C Manitoba Riverton, 428 Box Noventis Credit Union Credit Noventis