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Dear Member,

As you know, our Board of Directors and our CEO have been working on negotiating a merger of All Trans Financial Services Credit Union with a suitable credit union since the early part of this year. As you may also know, a merger partner has been selected, the due diligence has been completed and a merger agreement has been reached, subject to regulatory approval and the approval of you, the members. Our search for a merger partner was motivated by the fact that our size limits us from offering the range of and access to services our members will increasingly require in the future, such as larger loans and mortgages, as well as financial planning and investment products.

PACE Credit Union has been selected as our merger partner. Some of you may be familiar with PACE, which has a strong presence in Thornhill, Vaughan, Markham and Mississauga with 14 branches in the area and its head office just north of Highway 7 and Jane Street.

PACE is a much larger credit union with over 32,000 members, and offers a full range of services including chequing accounts, internet banking, debit and credit cards, ATM banking, commercial lending and brokerage. PACE is also very stable financially and is actively growing and expanding its service facilities to grow with our community in the future.

Fortunately, PACE sees the benefit in having branch locations within the City of Toronto and in London, where All Trans is currently located. This will continue the convenience of credit union services on site that our members are used to. The services you have become accustomed to, such as Vacation and Christmas loans, and our mobile banker services, will continue. All of our current All Trans staff will also continue to serve you as employees of PACE. We feel that our members will be very pleased with everything that PACE has to offer.

In order to help finalize the merger process, it is necessary to have a special membership meeting so that you can vote on whether to accept this merger arrangement or not. The details of this meeting are as follows:

DATE: June 8, 2016
*PLACE: Canadiana Restaurant, Six Points Plaza, 5230 Dundas Street West, Toronto
TIME: 7 PM

It is extremely important that we have as many members as possible come out and vote at this meeting. You will have a chance to hear from representatives of PACE, who we are sure will make you feel welcome as part of their family; and, of course, your board and management. All details will be explained and you will have ample opportunity to have any questions answered before voting. You will then be asked to vote on the merger agreement.

It is expected that the merger, if approved, will be complete on or before June 30, 2016. As the other steps in the process all depend upon the results of your vote, please make plans to attend this most important meeting. We value your support, and your continued membership.

RSVP: Please let us know that you will be attending the special membership meeting by:

E-mailing us at kannibale@alltrans.com
Calling All Trans at 416-533-1090 in Toronto and *519- 453-2480 in London
*All Trans members in the London area will be provided with details on how they can attend the meeting locally please call us at the number indicated above.

Thank you,

Steve Holmes

President, Board of Directors


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