Subject: Proven and Specific Sales and Leadership techniques

Background: Dale Vermillion is a prominent international speaker, consultant and expert to the mortgage industry. He began his career in 1983 as a loan officer and, by age 30, was Executive Director for a national mortgage company of over 1,000 employees with responsibility for all aspects of sales, marketing and operations.

Dale has trained and consulted Presidents, CEO's, and mid-level managers for over 100 of the largest and most successful mortgage companies in the industry, as well as over 250,000 mortgage professionals. His clients include prominent companies like: ABN-AMRO, Accredited Mortgage, Aegis Lending, Ameriquest Mortgage, Argent Mortgage, Delta Funding, Fieldstone Mortgage, H&R Block Mortgage, MBNA, New Century Mortgage and Saxon Mortgage (now Morgan Stanley).

Mr. Vermillion developed the Mortgage Champion^TM Training Series in 2004, providing seminars across the U.S. in 2006. He was also a speaker for CloseMore University during 2003, 2004 and 2006, and the keynote speaker for BreakThrough Mortgage Academy in Canada during 2005. He has been a keynote speaker at hundreds of annual corporate and association events. Most recently, he spoke at the Canadian Institute of Mortgage Bankers and Lenders ("CIMBL") annual conference in Montreal, Canada.

Dale is a member of the Mortgage Brokers Association (MBA), National Association of Mortgage Brokers (NAMB) and CIMBL. He was recently appointed to the Executive Committee of the Non-Prime and Alt-A Council for the MBA. Dale has been published multiple times in Scotsman Guide, Mortgage Banker Magazine and Equity Magazine. He has also been a guest expert on General Alexander Haig's World Business Review and serves on General Haig's Alliance for Technology Education.

Subject: Operations, Warehouse Lending, Broker-To-Banker and Investor Relations

Background: David Lykken is a national mortgage industry consultant with over 33 years experience in mortgage banking. David is a highly sought after speaker and has appeared on "You and Your Money", a nationally syndicated radio program. He consults on warehouse lending, broker-to-banker, loan sales, investor relations and marketing. Previously, David founded two regional mortgage banking companies and partnered in a national mortgage company in California. David also started a computerized loan origination (CLO) software company that eventually grew into a large national publicly traded corporation with a 23% market share.

David brings an unmistakable energy to his consulting. He has garnered a national reputation, renowned for his unique blend of technology and business experience and success at developing early-stage startups into thriving public companies. Since 2000, he has helped a growing number of mortgage bankers nationwide dramatically transform their businesses - shaping the next generation of mortgage banker in the process.

Subject: Personal Leadership

Background: Dr. Ron Jenson is one of the most sought after speakers in the world today on the subjects of authentic success and authentic leadership. He is the Co-founder of Future Achievement International and is recognized worldwide as America's Life Coach.

Dr. Jenson's research in the area of personal leadership spans 30 years, during which time he has interviewed over 350 international leaders in a variety of corporate, government, educational, and non-profit executive positions. Ron is a published author of several books and is the main spokesperson and personality for Future Achievement International. His most popular book is Achieving Authentic Success, which has been published in multiple languages and has sold over 150,000 copies worldwide.

Dr. Jenson appears at corporate events, business conventions, public seminars and workshops nationally and internationally. Dr. Jenson brings a wealth of relationships with leaders and organizations to assist in the sales and distribution of educational products and training services worldwide. Dr. Jenson works closely with the President to secure strategic partnerships and alliances that create channels of distribution for the Company.

Dr. Jenson spent eight years as President of an international school where he helped build campuses in Asia, Africa and the United States. Dr Jenson has traveled around the world annually for 25 years and has spoken to groups including top Parliament Members in Uganda, 20,000 business people in India and corporate and institutional leaders in the United States, Latin America and Europe.

Subject: Team and Business Transformation

Background: Doug is nationally and internationally recognized as a speaker, consultant, and peak performance coach with customers in the United States, United Kingdom, Spain, Canada, Mexico, and Singapore. His speaking style is engaging and hilarious while his message is life changing and memorable.

In 1994, Doug founded the Doug Hanson Performance Group and has committed his life to helping people and organizations achieve their full potential by improving the mindset, energy, skills and connection. Doug was a featured facilitator at Tony Robbins' Life Mastery University in Hawaii. And in 2004, Doug was sought out by the NFL to address and energize the 6,000 volunteers involved in Superbowl 38 at the pre-game rally held in Houston's Reliant stadium 2 weeks prior to the big game. Other notable clients include the Houston Texans (NFL franchise in Houston), H&R Block, Verizon, Southwest Airlines, DHL, Coleman, Texas Instruments, and even the legal council of the IRS.

Doug was an athlete through college, playing football at Sam Houston State University while earning a Bachelor's degree in computer science. After he started his career and family, Doug went back to school on weekends and earned his Masters degree from the University of Houston Executive MBA program, where he graduated with honors. Prior to being a speaker and consultant, Doug was a show director for ESPN sporting events. During the 90's Doug worked for 9 years in the computer industry as an enterprise sales and marketing professional for Toshiba, Texas Instruments and Hewlett Packard, achieving top sales honors seven times. Doug was also on the original team that started bamboo.com, a leading edge marketing company that grew to be the largest provider of on-line video content.

Subject: Technology Trends and Tips in Today's Mortgage Market

Background: Tim has over 14 years of experience in the development and implementation of Customer Management strategies in the Mortgage, Healthcare and other service-centric industries. Prior to co-founding Go Smart, Inc. Tim was Vice President and Director at New Century Mortgage headquartered in Irvine, California, where he led the e-Commerce development team. Tim has also served as Director of Sales Operations and then Director of Production Support for Neoforma, a leading provider of supply chain management solutions for the healthcare industry, where he managed all marketing programs, application support, as well as 3rd party vendor selection and management that included CRM. Before joining Neoforma Tim held both marketing and IT management positions at a number of companies. Tim earned his degree in Business Marketing and Administration from Hawaii Pacific University.

Subject: Pre-employment testing, employee development and retention solutions.

Background: Rick Betori has over twenty years of sales management, marketing, and business development experience. As Executive Vice President of Wonderlic, his responsibilities include directing all Sales and Marketing efforts for the company and contributing to new solutions that enable Wonderlic clients to improve their hiring effectiveness and maximize employee productivity. Rick also oversees all operations of Wonderlic Education Solutions and Wonderlic Franchise Solutions, separate business units created specifically to serve vocational post-secondary schools and the unique HR challenges of the independent franchise owner.

Wonderlic is a recognized leader in the development, delivery, and support of employment solutions with a portfolio that is widely respected for both technical integrity and ease of use. Since 1937, Wonderlic has been designing and delivering products and services that help businesses of all sizes identify top performers. Wonderlic solutions help clients identify applicants that "best fit" the needs of their specific business and provide insight into an applicant's potential job performance. Today, hundreds of lending, banking, and financial institutions rely on Wonderlic to assist their hiring process.

Prior to joining Wonderlic, Rick was Principal of INSinc Management Consulting - a Chicago-area consulting firm specializing in strategic consultation and sales process design where his SalesSinc Sales process was used to train over 1000 sales professionals.