The Integrated Consultants Operative Network (ICON) enables
our Mortgage Consultants to conduct their mortgage business anywhere and anytime.

The SMP iSMART is the comprehensive All-In-ONE Mortgage Planning Tool for
our Mortgage Consultants. It is a sophisticated PC-based software with online web support
to assist all software users and consumers in their mortgage loan planning.

A web-based email service that keeps our Mortgage Consultants
in touch with clients, partners and colleagues alike.