The Company prides itself on the consistent demonstration of its strengths:

• In-depth knowledge of real estate markets
• Broad relationships with mortgage brokers and agents who originate our mortgages
• Solid presence in selected urban markets
• Disciplined, economically-attuned credit risk management
• Ample liquidity, supported by deep sources of funding provided by well-established depositor and deposit agent relationships
• Commitment to service excellence and partner and customer satisfaction
• A low-cost business model that consistently produces outstanding productivity