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## MAINTAIN CENTRALIZATION 

Our track record has been achieved by our ability to adjust product mix to take advantage of current market conditions and to react to the demands of our customers. To accomplish this requires keen observation, deep experience and the ability to move quickly. It has also required the scalability, quality control and cost efficiencies afforded us by our centralized operations. 

Through the combined efforts of nearly 250 employees in our Newport Beach, California location, we have carved a niche market in non-conforming investment grade mortgages and mortgage-backed securities. We have continuously enhanced our innovative products to serve and grow that markets and we have designed and refined the technology to drive our growth via information flow and consistencies. 

We believe that while the highly cyclical mortgage and investment industry is being honed by technology and competition, people always have and always will guide its evolution. Keeping our people, and their creative 

