Protective Capital Structures Corp. (fka PCSO)

[crooner]

when did they start posting this stuff?

Heritage Journal is published and distributed by the Marketing
Department of HCPC.

Heritage Journal
200 West Ninth Street,
Suite 300
Wilmington, DE 19801
Phone: 302-778-HCCC (4222)
Fax: [phone]
E-mail: [e-mail]
Editor: Johanna W Daye
Heritage Capital Credit Corporation
And its Sister Companies
Heritage Capital Credit Corpora-
tion (“Heritage”) is a subsidiary
of First Independent Financial
Group, a Delaware private hold-
ing company. Heritage has sev-
eral sister organizations that
work together to assist potential
buyers in obtaining their finan-
cial goals. These companies are
listed below:

• ACCESS CHANNEL© soft-
ware company evaluates the
BCLOC loan;
• FIRST EQUITY GROWTH
TRUST, the funding conduit,
raises money to fund the
BCLOC loans;
• INDEPENDENT CAPITAL
CREDIT CORPORATION
originates the business loans
for the organization;
• FIRST LIFE FINANCIAL
CORPORATION provides the
credit enhancement component
for each BCLOC;
• INDEPENDENT CAPITAL IN-
VESTMENT CORPORATION
provides servicing for each
BCLOC; and,
• RELM REAL ESTATE HOLD-
INGS works in tandem with
other organizations to form part-
nerships for large multi-family
housing projects.

With the assistance of these com-
panies, Heritage expects to con-
tinue its growth and hopes to
move from the Pink Sheets to a
national exchange by mid-year
2006.

To find out more about each com-
pany, please visit the parent com-
pany website at www.firstifg.com.
Her i t age Capi t al Cr edi t Cor poCompanies are about business and about people. We’d like to
introduce Joyce Thomas, our Human Resources Manager.
Joyce comes to First Independent Financial Group from Den-
ver, Colorado. There she worked with a variety of non-profits
and in the construction management industry, when she was
charged with the responsibility of development, implementa-
tion and management of the Human Resource Department.

Joyce joins us with more than 35 years of career experience
and background in the Rocky Mountain Region telephony
industry of Qwest and COVAD Communications.

Companies are only as good as their people, who come
through Human Resources.