Home Capital Group Inc. (Home Capital) is a holding company, which operates primarily through its principal subsidiary, Home Trust Company. The Company, through Home Trust, is engaged in residential mortgage lending business. Home Trust is a mortgage lender focused on homeowners who typically do not meet all the lending criteria of traditional financial institutions. In addition, Home Trust offers a range of insured mortgage products through the Accelerator program to individuals customarily served by financial institutions. Home Trust offers deposits, mortgage lending, retail credit and payment card services. Home Trust offers the Home Trust Equityline Visa card, which combines the benefits of a line of credit with the convenience and benefits of a Visa Gold card. Home Trust is licensed to conduct business across Canada. At December 31, 2008, the Company’s loans portfolio amounted to $4.51 billion. At December 31, 2008, residential mortgage loans totaled $3.26 billion.