Home Trust Company is one of CanadaÍs leading trust companies. We offer Canadians a wide range of financial product and service alternatives, including mortgages, Visa cards, deposits and retail credit services. We focus primarily on a unique segment of the Canadian marketplace: consumers who do not have traditional credit backgrounds and whose specific needs are not met by larger financial institutions. We cater to self-employed entrepreneurs, people with past credit issues and borrowers with equity in their property who do not qualify due to lack of provable income or little credit history. Home Trust is a federally regulated trust company carrying on business across Canada. Originally incorporated in Ontario in 1977 as Home Savings and Loan Corporation, the Company was continued under the Trust and Loan Companies Act (Canada) on March 9, 2000. We are a wholly owned subsidiary of Home Capital Group Inc., a publicly held company that trades on the TSX under the symbol HCG. Home Trust is also a member of the Canada Deposit Insurance Corporation and Visa Canada. With offices across the country from Halifax to Vancouver, and our head office in downtown Toronto, we are able to offer thousands of Canadians the alternative financial solutions they need. Whether itÍs helping you to buy your first home, consolidate higher-interest loans and credit cards to save you money, or renovate your dream house, weÍve got the flexible alternative solutions to help you meet your goals.