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September 1, 2012
Standard and Poor’s Rating

Standard & Poor’s Ratings Services’ overall ranking of Paradigm Quest Inc. as a residential mortgage prime loan servicer in Canada is ABOVE AVERAGE. The ranking reflects Paradigm’s stable senior executive and middle management teams, a high degree of training and sound internal controls and risk management.

Standard and Poor’s has stated that the outlook for Paradigm is stable. Paradigm supports the functions necessary for administering residential mortgage loans and meets Standard & Poor’s standards for acting as a servicer of residential mortgage loan assets. Paradigm continues to improve its systems and procedures, enhancing productivity and efficiency to provide a sound basis for expansion. Its operational platform provides a strong foundation for continued quality servicing and growth.