Your Concerns are Important

Mennonite Trust Ltd. continually tries to deliver products and service levels that satisfy
and, wherever possible, exceed your expectations. We recognize that in a given
instance we could be perceived as falling short of your expectations. In those
situations, we want you to contact us so that we have the opportunity to correct any
deficiencies. For this reason, we have developed a process to assist you in obtaining a
satisfactory response to any such concerns or complaints you feel should be brought to
our attention. We will both benefit from discussing these matters.

Timely Handling

It is much easier to deal with issues immediately following the event. When you submit
a complaint to MTL, you can anticipate a response within five business days of our
receiving your communication. Where the issue is complex, the actual resolution may
take longer than the five business days.

Understanding Your Concerns

Before communicating your concern, it would be beneficial if you have all of the
pertinent information and documents available. This would assist in clarifying the
nature of the problem and allow us to respond to your concern without undue delay.

Communicating Your Concern

We can best respond if your first contact is directed to the staff member that you have
been dealing with.

Generally, these individuals will be in the best position to determine the facts and
address your concern without undo delay.

If you feel you have not obtained a satisfactory answer, ask to speak with the
individual’s Manager. Your concern will be reviewed immediately.

Whenever you feel that a concern has not been properly addressed, you are
encouraged to file a complaint directly with our Complaints Liaison Officer at our Head
Office. This may be done in writing to:

Complaints Liaison Officer
Mennonite Trust Ltd
Head Office
PO Box 40
Waldheim, SK S0K 4R0
Fax: (306) 945-2225

Mennonite Trust Ltd. is committed to deliver exceptional customer service and address
customer concerns at the earliest opportunity.

Complaints Policy

MTL has a Complaints Policy which is available for your review.

The Financial and Consumer Affairs Authority (FCAA)

If you are not satisfied with the proposed resolution and believe the complaint relates
to a contravention of The Trust and Loan Corporations Act (the “Act”) or The Trust and
Loan Corporations Regulations (the “Regulations”), you may refer the complaint to the
Consumer Credit Division of the Financial and Consumer Affairs Authority of
Saskatchewan (FCAA).

For more information on regulatory issues governed by the FCAA, please contact by
telephone at (306) 787-6700, by email at or view the website at

Regulatory complaints should be addressed in writing to:

Financial & Consumer Affairs Authority of Saskatchewan – Consumer Credit Division
Suite 601, 1919 Saskatchewan Drive
Regina, SK S4P 4H2