At FNTC America Ltd., our motto is simple: Trust is our business. It defines our responsibility and the standard by which we serve the vacation ownership industry.

As an independent professional trustee and fiduciary services provider, FNTCA supports more than 50 Portfolio Interest Exemption (PIE) Receivables Trusts, 7 Club Trusts, and over 55 Owners Associations across 18 states, safeguarding billions in structured receivables and real estate title financials for leading global hospitality and vacation ownership brands.

A substantial portion of the receivables under our oversight originate from international developers and cross-border ownership programs. These portfolios demand expertise in global capital flows, multi-jurisdictional compliance, and institutional-grade governance. FNTCA bridges international developers with U.S.-based trust administration, enabling compliant receivables platforms that support foreign investment participation while maintaining rigorous oversight. In doing so, we strengthen liquidity, enhance transparency, and support sustainable global growth.

Our compliance framework is reinforced by our parent company, IQ-EQ Group, a global leader in investor services operating across multiple jurisdictions worldwide. FNTCA’s AML and KYC standards align with IQ-EQ’s internationally benchmarked regulatory structure, delivering robust screening, disciplined risk management, and fiduciary oversight consistent with global best practices. The scale and regulatory fortitude of IQ-EQ provide institutional strength that instills confidence across borders.

Further enhancing our capabilities, VOTA — a wholly owned subsidiary of FNTC — delivers title services, escrow administration, foreclosure processing, and resort terminations. This integrated structure supports the full lifecycle of vacation ownership assets, ensuring operational continuity and disciplined oversight across domestic and international portfolios.

Our impact is measurable: expanded access to structured financing, strengthened compliance across cross-border programs, and sustained financial stability for globally connected developers. We combine independence with global scale, precision with accountability.

In a marketplace defined by international growth and investor confidence, FNTC America Ltd. provides the infrastructure that allows the vacation ownership industry to operate securely and expand responsibly.

At FNTCA, Trust is our business. And through global partnership, institutional strength, and unwavering fiduciary discipline, we continue to earn that trust every day.

For these reasons, FNTC America Ltd. respectfully submits its candidacy for recognition as a leader in financial services excellence within the global vacation ownership industry. Thank you for the opportunity to highlight our company.