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President’s Choice Bank (PCF) is a wholly-owned subsidiary of Loblaw Companies Limited (LCL) and was established to promote President’s Choice Financial® products and services across Canada. PCF is focused on providing everyday payment solutions and services that reward the everyday. Together with the PC Services division of Loblaws Inc. which operates in the same office location, we offer products and services in the following segments: Payment Cards: The President’s Choice Financial Mastercard® credit card offers PC OptimumTM points for every dollar spent, with no annual fee. The PC MoneyTM Account is the newest addition to the payment products offered and operated by President’s Choice Bank. The PC Money Account works like a bank account and offers PC Optimum points for every purchase, with no monthly fee. Insurance: PC® home and auto insurance are offered through PC Financial Insurance Broker Inc. and relationships with several insurance companies. Telecom and Gift Cards: The Mobile Shop, PC mobile prepaid cell phone service, and Gift Cards businesses are focused upon delivering convenience and exceptional value to LCL customers. LCL is Canada’s largest food distributor and has expanded into certain non-food categories, with operations across the country. LCL concentrates on food retailing with the objective of providing consumers with the best in one-stop shopping for everyday household needs. PCF and PC Services are important business units within LCL that manage and develop the products and service programs in order to improve the customer experience, maximize value, and provide a platform to enhance customer insights and relationships. Our vision is to make the everyday simple and better.