Share ownership Secure Trust Bank PLC

Secure Trust Bank PLC is a United Kingdom-based company. The Company’s principal activity is to provide banking services, including deposit taking and secured and unsecured lending. The Company’s segments include Real Estate Finance, Commercial Finance, Vehicle Finance, and Retail Finance. Real Estate Finance is engaged in lending secured against property assets to a maximum 70% loan-to-value ratio, on fixed or variable rates over a term of up to five years. Commercial Finance is engaged in lending predominantly against receivables, typically releasing 90% of qualifying invoices under invoice discounting facilities. Vehicle Finance includes hire purchase lending for used cars to prime and near-prime customers and Personal Contract Purchase lending into the consumer prime credit market, both secured against the vehicle financed. Retail Finance provides online e-commerce service to retailers, providing unsecured lending products to prime United Kingdom customers.