As an Independent Mortgage Investor, we are extremely proud to report record earnings for the period ending Apr. 30, 2002. This ranks us in the top 5% of banks in the US for our product type. There are several significant reasons for our achievements. First, we are very active in our local community, both in lending and civic responsibility. We maintain active involvement in local programs through personal and financial participation. Second, we offer a wide range of financial products, which include our famous No Doc programs & Limited Doc programs for investors, Factoring of Purchase Facilities and Loan Purchases through our Secondary Investment Area. Geographically, we do business nationwide; however, we place a strong emphasis on our community banking serving our communities.

We feel what sets us apart from the "Big Bank Chains" is our personalized "sense of urgency" service to our customers. Our professional staff has an average of 75 years experience in the mortgage lending arena. Our ownership and our Board of Directors are all working members. Their "hands-on" type of approach provides the employees and officers of HTFC the flexibility to provide the kind of service our customers expect and deserve to receive. We are a dedicated team, and we pledge ourselves to provide full customer satisfaction to individuals and businesses in the coming years.