Mr. Gavin Kelly:

Everyone is trying to learn from the past and ensure we will not repeat the mistakes made several years ago. In that regard, we focus on funding good quality developments, understanding them and ensuring planning is in place and all regulations are being met . We get to know each customer and his or her requirements. We fund approximately 60% of the cost of such developments and developers use equity from other sources to fund the remaining 40%. We offer very competitive rates and will continue to so do. That is evidenced by the number of units we currently fund and hope to continue to fund in the coming years.