At Loanfund Exchange, a subsidiary of Americo Capital Holdings, our key success is designed to create value for the company's shareholders through our leadership position in our core business, mortgage banking, business financing, and collateralized lending. We have a singular focus on this vital and growing economic sector and this focus on our core business is an important strategy by itself. It is also provides the platform for our other major strategies, which include creating and maintaining a competitive technology edge through the deployment of innovative solutions, diversification into related businesses... a national branding effort for our products and services and global expansion of our business model.

CORE BUSINESS

Our core business is mortgage banking and collateralized lending, and our continuing emphasis on this business sets us apart. At Loanfund, we believe that the loan industry is a vibrant business opportunity which offers significant long-term growth potential. Homeownership, business financing, are intrinsic elements of our culture, and in fact, represent a basic human need. In order words, our core product is not a passing fad.

Furthermore, the mortgage banking industry comprises a significant part of the U.S. economy, with $ 4.7 trillion in total mortgage debt outstanding. This exceeds even the total amount of U.S. Treasury long-term debt outstanding. Growth prospects for home and collateralized lending are strong, with industry observers forecasting 8 to 10 percent annual increase in total mortgage debt and a continuing upward trend in homeownership, commercial properties and business financing.

TECHNOLOGY EDGE

While Loanfund remains focused on mortgage banking, business financing and collateralized lending, we seek to create shareholder value in this industry through innovative approaches. Throughout its history, Loanfund has demonstrated the ability to create and sustain a competitive advantage through the development of leading-edge technology. Loanfund continues to be a technology leader and is currently developing one of the most efficient mortgage and collateralized lending website where banks, institutions and investors compete for our loans. We have developed a business model which integrates our Internet operations into our production channels and other business units thus creating synergies between our state-of-the-art website, our presence in the local markets, and our advanced loan processing and delivery systems. These synergies place us in a unique position to capture what the Internet offers in terms of superior market development, customer lead generation, and consumer awareness. Our goal is to continue to make technological strides, so that our customers and business partners will find it increasingly easy and efficient to do business with us.

Loanfund will allocate 5% of all its profits towards helping low income customers as down payment in designated census tract areas. We at Loanfund have remained dedicated to increasing shareholder value through growth, efficiency technological leadership and innovation. Our sprit of innovation and leadership has enabled us to develop and implement forward-thinking strategies, which position us for continued growth and value creation.

Dean Mensah, President & CEO.