Our Company combines loan origination, underwriting, and loan servicing into a seamless full service platform. The Company was formed in 1965 and achieved NHA/CMHC Approved Lender status in 1970. Montrose is now a DBRS rated primary servicer and rated special servicer. The servicing and origination functions are coordinated but operationally independent. Under license agreements with Montrose Mortgage Corporation Ltd., the Montrose regional offices structure, underwrite, and fund approximately $2 billion annually in permanent, mezzanine and construction loans. Many of the originators within our national framework have 20 or more years of direct lending and mortgage banking experience, commencing their finance careers with banks, trust companies, life companies, or pension funds. Montrose administers approximately $3 billion in loans on behalf of Canadian life insurance companies, Canadian and foreign banks, Credit Unions, trusts, CMBS issuers, pension funds, and private investors, located across Canada, the U.S., and Europe. Our company combines an unwavering commitment to service excellence and value added mortgage expertise with continual research, development and implementation of leading edge technology, best industry practices, and local/national intelligence to ensure that each and every loan is well researched and administered.