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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">SECURITIES
AND EXCHANGE COMMISSION</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Washington,
D.C. 20549</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">FORM&#160;8-K</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">CURRENT
REPORT</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pursuant
to Section&#160;13 or 15(d)&#160;of the</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Securities
Exchange Act of 1934</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;Date
of Report (date of earliest event reported): March 23, 2009</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">GLOBAL
WEST RESOURCES, INC.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;(Exact
name of registrant as specified in its charter)</font></div>
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      or other jurisdiction</font></div>
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      incorporation)</font></div>
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      File Number)</font></div>
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      Employer</font></div>
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      Number)</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">601
Union Street, Suite 4500, Seattle, WA 98101</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Address
of principal executive offices)(Zip Code)</font></div>
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telephone number, including area code: (206) 262-9545</font><br></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">45
Milford Ave., Toronto ON. M6M 2W1</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Former
name and former address, if changed since last report)</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Check the
appropriate box below if the Form 8-K filing is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following
provisions:</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline;" face="Wingdings">o</font>&#160;&#160;Written
communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425)</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline;" face="Wingdings">o</font>&#160;&#160;Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12)</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline;" face="Wingdings">o</font>&#160;&#160;Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
240.14d-2(b))</font></div>
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communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
240.13e-4(c))</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
2.01
&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
Completion of Acquisition or Disposition of Assets</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On March
23, 2009, the Registrant, Global West Resources, Inc., a Nevada corporation,
(&#8220;GWRC&#8221;), <a name="OnJuly102006TheRegistrantExchange_090245">exchanged, pursuant
to a Share Exchange Agreement with Mortgage Modification Legal Network, Inc.
(&#8220;MMLN&#8221;) (the &#8220;Share Exchange Agreement&#8221;), an aggregate of 10,000,000 shares of
its common stock for all of the issued and outstanding shares of common stock of
MMLN (&#8220;MMLN Shares&#8221;) from the MMLN Security Holders.&#160;&#160;After the
Closing on March 23, 2009 (the &#8220;Closing&#8221;), GWRC intends to change its name to We
Save Homes, Inc. (&#8220;WSHI&#8221;) and, upon Board determination, dissolve MMLN, which,
at that time would be a wholly-owned subsidiary of WSHI. </a></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
business, operations, management and other material information concerning MMLN
is set forth below in this Item 2.01. All references to the &#8220;Company,&#8221;
&#8220;MMLN,&#8221;&#160;&#160;&#8220;WSHI,&#8221; &#8220;we&#8221; or &#8220;us&#8221; refer to the now combined operations of
the Registrant.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">DESCRIPTION
OF BUSINESS</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MMLN was
incorporated in the State of California on September 30, 2008, and elected to be
treated as a subchapter S corporation for tax purposes</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">BACKGROUND</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MMLN was
initially founded by a group of real estate, mortgage, financial and legal
professionals dedicated to educating and assisting homeowners in financial
distress.&#160;&#160;The corporate vision involved empowering homeowners with
knowledge of their foreclosure mitigation options (<font style="DISPLAY: inline; FONT-STYLE: italic">e.g.</font>, mortgage modification,
short sale, refinance, deed in lieu, bankruptcy) through community outreach
programs so that homeowners may make more informed decisions that could allow
them to remain in their homes during the recent economic
downturn.&#160;&#160;MMLN has established, and continues to develop, strategic
partnerships with law firms, real estate brokers, national banks, mortgage
brokers, internet companies, and financial institutions to facilitate
foreclosure mitigation solutions, primarily loan modifications, for its clients
throughout the United States.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">BUSINESS
OF THE ISSUER</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MMLN
assists financially distressed homeowners who have become overburdened with debt
due to deteriorating economic conditions, eroding property values, frozen credit
markets and stagnant mortgage rates.&#160;&#160;MMLN operates using three (3)
separate divisions, each of which offers dynamic foreclosure mitigation
solutions for distressed homeowners.&#160;&#160;First, MMLN has an affiliate
program which markets specifically to real estate and mortgage professionals and
provides a platform for their customers to benefit from MMLN&#8217;s foreclosure
mitigation offerings.&#160;&#160;Second, MMLN has a direct-to-lender approach
that involves entering into an agreement with a servicing bank, where MMLN
provides foreclosure mitigation services as third party administrators to bank
customers.&#160;&#160;Under this model, MMLN contacts the bank&#8217;s clients on its
behalf and assists in the renegotiation of the bank&#8217;s clients&#8217; existing
mortgages.&#160;&#160;Finally, MMLN has a retail program that employs both
&#8220;grass roots&#8221; and &#8220;technology based&#8221; efforts to reach out directly to the
troubled homeowner by helping to inform and educate them as to their various
options.&#160;&#160;Operating from its corporate headquarters in Laguna Niguel,
California, MMLN, through its partners and affiliates, offers foreclosure
mitigation services, including mortgage modifications, to homeowners throughout
the United States.&#160;&#160;Moreover, MMLN&#8217;s foreign language programs are
able to assist homeowners where English is not the primary
language.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">BUSINESS
UPDATES</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In 2008,
MMLN&#160;achieved month-over-month increases in sales of its foreclosure
mitigation services, primarily loan modifications.&#160;&#160;MMLN&#160;and its
partners have commenced the following number of loan modifications for each of
the following months: (i) October 2008, twenty-one (21) loan modifications; (ii)
November 2008, thirty-three (33) loan modifications; and (iii) December 2008,
seventy-seven (77) loan modifications.&#160;&#160;Because the timing to achieve
a loan modification varies considerably from case to case and can take up to 90
days or longer, comprehensive success/failure statistics are not available for
these months.&#160;&#160;The amount of loan modifications resulting from
MMLN&#8217;s&#160;affiliate program and retail program were roughly even in
2008.&#160;&#160;To date, MMLN&#160;has not entered into any agreements with
servicing banks, but is working on some promising leads.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MMLN&#8217;s&#160;profit
per loan modification varies greatly and depends upon many factors, including
whether the loan modification was generated through the retail program, the
direct-to-lender program, or the affiliate program.&#160;&#160;Generally,
MMLN&#8217;s&#160;profit per loan modification ranges anywhere from between $600 to
$2,300, and averages approximately $1,000 per transaction.&#160;&#160;In certain
instances where refunds are given due to achieving an unsatisfactory result,
MMLN&#8217;s&#160;profit per loan modification may be lower, or even
negative.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Technology
Platform and Intellectual Property</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">LICENSING</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MMLN is
currently in the process of qualifying to transact business in the State of
California, where it has its corporate headquarters.&#160;&#160;MMLN is in the
process of becoming licensed by the California Department of Real Estate (&#8220;DRE&#8221;)
as a corporate real estate broker and mortgage broker, which allows MMLN to
practice real estate, including the solicitation, negotiation, and performance
of loan modifications, in the state of California.&#160;&#160;MMLN has filed, or
is in the process of filing, with the DRE an Advance Fee Agreement which allows
MMLN to obtain up-front payment for performing its distressed mortgage services
subject to numerous DRE restrictions, including trust fund
requirements.&#160;&#160;MMLN is in the process of obtaining, a &#8220;no objection&#8221;
response from the DRE regarding its Advance Fee Agreement.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">TECHNOLOGY</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MMLN has
developed a proprietary &#8220;back end&#8221; web portal operating system that allows the
corporation and its partners to view the status of each homeowner&#8217;s foreclosure
mitigation solution in real time. This web portal system provides two very
specific and necessary functions. First it provides a standardized, systematic
process to provide equal handling of each individual
case.&#160;&#160;Furthermore, because it is web based, the web portal system
provides transparency to all parties.&#160;&#160;Currently, this portal only
encompasses loan modification progress tracking, but may be expanded to include
other foreclosure mitigation solutions in the future.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">INTELLECTUAL
PROPERTY</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
domain name, WeSaveHomes.com, was registered on May 6, 2008 and expires on May
6, 2010 (and is capable of being renewed).&#160;&#160;The domain name,
Modifiquehoy.com, was registered on December 1, 2008 and expires on December 1,
2010 (and is capable of being renewed). MMLN believes it has obtained adequate
protection of its intellectual property rights in connection with its
websites.&#160;&#160;There is no pending or threatened litigation affecting
MMLN, nor are there any copyright issues affecting or that threaten to affect
MMLN&#8221;s&#160;websites.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Locations</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MMLN
operates from its corporate headquarters in Laguna Niguel, California and has no
immediate plans to open additional offices within or outside of the State of
California.&#160;&#160;MMLN currently leases approximately 5000 square feet of
commercial space in a single level office park and subleases a portion of that
square footage to a debt settlement company and mortgage company,. MMLN
maintains strategic affiliations with both companies.&#160;&#160;MMLN also
employs approximately 30 outside Account Executives who supervise in excess of
250 affiliates nationwide, reducing overall fixed overhead.&#160;&#160;MMLN may
lease additional space in its current building to accommodate its expanding
employee base.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Customers
and Target Markets</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MMLN
seeks customers in three target markets (i) retail, (ii) wholesale and (iii)
direct-to-lender, as described below:</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Retail
Clients</font>:&#160;&#160;MMLN undertakes various types of direct marketing
campaigns to reach homeowners who are in danger of losing their homes to
foreclosure or who could otherwise benefit from MMLN&#8217;s foreclosure mitigation
services.&#160;&#160;MMLN utilizes direct mailers, internet marketing (including
search engine optimization, lead assistance programs and email campaigns),
community outreach programs, radio, and other forms of media to market its
foreclosure mitigation services.&#160;&#160;MMLN&#8217;s retail program also includes
direct marketing towards the Spanish-speaking community and MMLN has dedicated
legal assistants fluent in Spanish who are available to assist distressed
homeowners.&#160;&#160;MMLN has also created a Spanish language website at <font style="DISPLAY: inline; TEXT-DECORATION: underline">www.modifiquehoy.com</font>
specifically for this initiative.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Wholesale
Clients</font>:&#160;&#160;MMLN utilizes an affiliate network comprised of real
estate professionals to market its foreclosure mitigation services to their
clients.&#160;&#160;MMLN&#8217;s affiliates receive commissions based on the amount of
work the affiliate does to aid the client in completing a foreclosure mitigation
program.&#160;&#160;Generally, affiliates have the potential to earn anywhere
from $500 to $1500 per client processed.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Direct-To-Lender
Clients</font>:&#160;&#160;MMLN is currently pursuing leads to become a third
party administrator for banks or other lending institutions seeking to implement
loan modification programs for their customers.&#160;&#160;As third party
administrators for a lender, MMLN would be able to efficiently approach the
lender&#8217;s clients on behalf thereof, but as an independent third party, and offer
loan modifications on terms pre-approved by the lender.&#160;&#160;MMLN&#8217;s role
would eliminate the need for a lender to establish and staff a foreclosure
mitigation division, thereby saving the lender significant administrative
expenditures as well as operating costs.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Competition</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MMLN
operates in the distressed mortgage and foreclosure mitigation solutions market,
which is highly competitive and characterized by rapid change, increasing
competition from attorneys, real estate brokers, mortgage brokers, and mortgage
modification companies offering similar services.&#160;&#160;The mortgage
modification market, in particular, has low barriers to entry, is becoming
increasingly saturated by ex-subprime brokers, and contains numerous companies
that are operating illegally.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MMLN
competes for distressed homeowners&#8217; business with many other providers of loan
modification services.&#160;&#160;The principal competitive factors relating to
attracting and retaining clients include the types of services offered, price
points, personalization, success rate, and the homeowner&#8217;s overall
experience.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We
believe the&#160;&#160;most significant competition is from the Federal Loan
Modification Law Center, The Feldman Law Center, The Milestone Capital Group,
LoanModification 411.com, amongst others.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Competitive
Advantages</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">It is
expected that MMLN will overcome the low barrier entry challenge with its
competitive advantage in the industry.&#160;&#160;This competitive advantage is
realized by addressing three key components to the market:</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">First, We
believe MMLN will be able to provide the necessary infrastructure for major
companies including search engines and marketing portals to offer foreclosure
mitigation services.&#160;&#160;MMLN is one of the only companies specifically
designed to offer mortgage modification services in a wholesale manner to known
portals and major institutions.&#160;&#160;These portals and institutions have
direct access to customers in immediate need of loan modifications
services.&#160;&#160;Rather than compete with these companies, MMLN provides an
attractive partner for these companies to send their businesses directly through
us.&#160;&#160;We believe our system is one of the only scalable systems
available for these entities that rely on scale for their profit
margin.&#160;&#160;Major companies that are currently using (or have agreed in
principal to use) MMLN for their loan modification solution
include:</font></div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt;" face="Symbol, serif">&#183;&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Lending
      Tree</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt;" face="Symbol, serif">&#183;&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Credit.com</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt;" face="Symbol, serif">&#183;&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">UFirst
      Financial</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt;" face="Symbol, serif">&#183;&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Think
      Debt Relief</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt;" face="Symbol, serif">&#183;&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Intelligent
      Beauty (web portal company by founders of
  MySpace)</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Second,
MMLN&#8217;s services provide a national solution for government and
banks:&#160;&#160;As a third party administrator for large lenders, banking
institutions and government, MMLN can provide a comprehensive mortgage
modification solution designed to implement relief for distressed
homeowners.&#160;&#160;We believe this solution to be far-reaching and provide
incentives for the banks as well as all classes of homeowners; including those
with equity and loan problems and those without equity and loan
challenges.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Third,
MMLN maintains an unparalleled advisory board;&#160;&#160;MMLN has an advisory
board that is currently headed by Wayne Angell and which management intends will
consist of high-profile members of the private sector and government whose sole
commitment is to preserve the American Dream by providing the tools existing
homeowners need to stay in their homes.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Market
Growth</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We
believe there is a great potential to profit from the foreclosure mitigation
services which we provide.&#160;&#160;The peak of the sub-prime mortgage resets
occurred in 2008.&#160;&#160;However, between 2009 and 2012, the resetting of
Option ARMS and Alt-A loans is expected to affect more (in billions of U.S.
Dollars) mortgages than the sub-prime collapse.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Additionally,
most of the homeowners that will be affected by the Option Arm resets have been
choosing to make the minimum monthly payments resulting in negative
amortization, and leaving millions of homeowners with unaffordable
mortgages.&#160;&#160;With the new economic stimulus package pushing loan
modifications to the forefront of the media and the consumer mindset, and
incentivizing lending institutions to modify troubled homeowners&#8217; mortgages, we
are currently facing the very early stages of a huge growth.&#160;&#160;All
three of our target markets (e.g.<font style="DISPLAY: inline; FONT-STYLE: italic">,</font> retail, wholesale,
direct-to-lender) are poised for large-scale growth and market share potential
based on these compelling economics.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Legislation
and Government Regulation</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Government
Regulation</font></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
California legislature and the California DRE has implemented various measures
to regulate foreclosure mitigation transactions, especially the practice of
mortgage modifications.&#160;&#160;These regulations, which include prohibitions
against certain actions of &#8220;foreclosure consultants,&#8221; licensing requirements and
approval of advance fee agreements that limit the fees received by a broker
before rendering services, among others, may adversely impact MMLN&#8217;s revenue
growth.&#160;&#160;Moreover, although MMLN believes that it is operating within
the parameters of the law, the California Attorney General or the DRE may
disagree and could ultimately revoke MMLN&#8217;s broker&#8217;s license, rescind MMLN&#8217;s
advance fee agreement or subject MMLN to legal action resulting in civil damages
or criminal fines and penalties.&#160;&#160;The California legislature could
also pass stricter laws further regulating, prohibiting or centralizing various
aspects of MMLN&#8217;s business, which would result in a decrease in business,
revenue and profits.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Similarly,
the U.S. Congress has implemented federal legislation that impacts foreclosure
mitigation transactions, including mortgage modifications that could have an
adverse impact on MMLN&#8217;s business, revenues and growth.&#160;&#160;Although MMLN
believes that it is operating in compliance with federal law, the U.S. Attorney
General or other federal enforcement agency could determine that MMLN&#8217;s business
somehow violates federal law, including, but not limited to RESPA, and could
ultimately subject MMLN to legal action resulting in damages, fines and
penalties.&#160;&#160;Congress could also pass new legislation, such as allowing
bankruptcy courts to modify mortgages that further regulate, prohibit or
nationalize various aspects of MMLN&#8217;s business, which would result in a decrease
in business, revenue and profits.&#160;&#160;Finally, Congress could pass a
financial stimulus package that could reduce the consumer need for MMLN&#8217;s
distressed financial services and foreclosure mitigation programs.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; TEXT-DECORATION: underline">President Obama&#8217;s Homeowner
Affordability and Stability Plan</font></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">President
Obama&#8217;s February 2009 &#8220;homeowner&#8221; stimulus package has two main parts: (1) three
to four million homeowners who are at risk of foreclosure to lower their monthly
payments by modifying loan terms; and (2) using Fannie Mae and Freddie Mac to
refinance the loans of four to five million Americans who owe more than their
homes are worth.&#160;&#160;However, President Obama&#8217;s plan only helps a small
number of homeowners in the parts of the country where the housing crisis has
not hit as hard.&#160;&#160;Specifically, President Obama&#8217;s plan only affects
&#8220;conforming&#8221; loans held or securitized by Fannie Mae or Freddie Mac, which as of
January 1, 2009 have been capped at approximately $417,000 for most of the
United States and approximately $625,500 for higher cost areas.&#160;&#160;Also,
to qualify for the plan, the new first mortgage (including any refinancing
costs) cannot exceed 105% of the current market value of the
property.&#160;&#160;The plan may not provide any assistance with second
mortgages.&#160;&#160;Similarly, if a homeowner&#8217;s debt-to-income ratio is
already 31%, that homeowner may not qualify.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Although
the President&#8217;s plan represents a good start towards fixing the housing problem,
it ignores a majority of the troubled homeowners in the most vulnerable areas,
namely California.&#160;&#160;For instance, in the San Francisco Bay Area of
Northern California, jumbo loans had approximately 62% of the market earlier
this year, and in Southern California, it was approximately 39%. In California
and other high-cost regions, jumbo loans were marketed not just to the wealthy
who could afford to buy a big house, but to average middle-class families with
average middle-class incomes.&#160;&#160;<font style="DISPLAY: inline; FONT-STYLE: italic">MarketWatch</font>, Nov. 2, 2007 by
Rex Nutting.&#160;&#160;Under the President&#8217;s plan, it appears that the majority
of homeowners in the state of California would receive no benefit.&#160;&#160;In
terms of size, the California economy currently ranks 8<font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: super">th</font> in the
world, just behind Italy and ahead of Spain and Canada. The next five largest
economies are Brazil ($1.3 trillion), Russia ($1.3 trillion), India ($1.2
trillion), South Korea ($970 billion), and Mexico ($893 billion). <font style="DISPLAY: inline; FONT-STYLE: italic">CCSCE, Center for the continuing
Study of the California Economy</font>, September 2008.&#160;&#160;Without
fixing the housing problem in California (which the President&#8217;s plan does not
do), the housing crisis will not be resolved.&#160;&#160;In fact, of the four
states (Nevada, California, Florida and Arizona) that represent the majority of
the housing crisis, relief would be limited under the President&#8217;s
plan.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We
believe that MMLN and the services which it provides will not be substantially
limited by the President&#8217;s plan due to the fact that our services help
homeowners regardless of loan size, type or priority (e.g., first or
second).&#160;&#160;MMLN&#8217;s business especially flourishes in California, Nevada,
Florida and Arizona, where jumbo mortgages are more
prevalent.&#160;&#160;Moreover, MMLN can help a homeowner whose first mortgage
exceeds 105% of the home&#8217;s market value and, in certain circumstances, where a
homeowner&#8217;s debt-to-income ration is lower than 31%.&#160;&#160;In conclusion,
the President&#8217;s plan seeks to help approximately 8 million homeowners, which
represents only 1 in 5 homeowners with mortgages.&#160;&#160;<font style="DISPLAY: inline; FONT-STYLE: italic">Christian Science Monitor</font>,
March 4, 2009 by Laurent Belsie.&#160;&#160;MMLN will endeavor to help the other
4.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Employees</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company currently has 21 full-time employees and 26 independent
contractors.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Risk
Factors</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We
have no history of having meaningful revenues or profitable operations and may
incur future losses, which will likely impair our future stock
price.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Since
MMLN was formed in 2008, we have generated limited revenues, incurred losses and
we may never realize meaningful revenues or achieve profitability.&#160;&#160;We
expect our operating expenses to increase substantially as we implement our
business plan.&#160;&#160;Given these planned expenditures, we will likely incur
additional losses in the near future.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Our
business is difficult to evaluate because we have a limited operating history
and an uncertain future.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; FONT-SIZE: 10pt">We have a limited operating history
upon which you can evaluate our present business and future prospects. We face
risks and uncertainties relating to our ability to implement our business plan
successfully. Our operations are subject to all of the risks inherent in the
establishment of a new business enterprise generally. The likelihood of our
success must be considered in light of the problems, expenses, difficulties,
complications and delays frequently encountered in connection with the formation
of a new business, the commencement of operations and the competitive
environment in which we operate. If we are unsuccessful in addressing these
risks and uncertainties, our business, results of operations, financial
condition and prospects will be materially harmed. </font>&#160;</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Many
of our programs are still in the pilot stage and we cannot assure you that we
can convert them into ongoing, large-scale programs.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">While we
have a number of programs (e.g., retail, wholesale, etc.), these are still in
the pilot stage. We will strive to convert these prospective programs into
ongoing, large-scale customers programs, but we cannot assure you that we will
be able to convert all or even some of them. If we cannot convert a significant
number of our pilot-programs, we will be materially impacted.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Our revenue sources</font>&#160;<font style="DISPLAY: inline; FONT-WEIGHT: bold">are presently concentrated in the
distressed homeowner market and not yet diversified in other segments,
which</font>&#160;<font style="DISPLAY: inline; FONT-WEIGHT: bold">may adversely
affect our business in an industry slump.</font></font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Our
initial and ongoing operations may result in a pattern of reliance on revenue
from one or more customers in one market segment who may represent a
disproportionate share of our gross revenue. Loss of such customers may have
adverse effects on our operations until such loss is resolved or revenue sources
are diversified among other customers and market segments. We have a limited
operating history and cannot accurately predict if and when such an
over-reliance may occur or whether we will be successful in correcting such an
over-reliance in time to avoid operating losses.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We
do not have patent protection on our intellectual property. If we are unable to
protect our right to use certain intellectual property, we may lose a
competitive advantage or incur substantial litigation costs to protect our
rights.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We do not
have patents or registered trademarks on our proprietary technology. Our future
success depends in part upon our proprietary technology. The scope of any patent
to which we may obtain rights may not prevent others from developing and selling
competing products. The validity and breadth of claims covered in technology
patents involve complex legal and factual questions, and the resolution of such
claims may be highly uncertain, lengthy and expensive. In addition, any patents
we may obtain may be held invalid upon challenge, or others may claim rights in
our ownership of such patents.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We
are subject to intellectual property infringement claims, which may cause us to
incur litigation costs and divert management attention from our
business.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">While we
do not currently anticipate any claims against us, any intellectual property
infringement claims against us, with or without merit, could be costly and
time-consuming to defend and divert our management&#8217;s attention from our
business. If our products were found to infringe a third party&#8217;s proprietary
rights, we could be required to enter into royalty or licensing agreements in
order to be able to sell our products. Royalty and licensing agreements, if
required, may not be available on terms acceptable to us or at all.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We
face competition from other similar businesses that are also seeking to develop
a leading position in the distressed homeowner market.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">One of
our specialized or local competitors may copy our solution, or part of it, even
in the presence of potential patents or copyrights, as a strategic means of
challenging our intellectual property.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We
may lack sufficient partners to be capable of delivering critical marketing and
loan modification services.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">One or
more of our partners or affiliates may fail to perform their marketing or loan
modification services, thereby leaving gaps in our operations that need to be
filled.&#160;&#160;Any business interruption by an operational failure of one or
more of our partners will negatively impact our business.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We
may face government regulation that renders our business obsolete.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
foreclosure mitigation industry is heavily regulated and either the state or
federal government could pass legislation that could materially impact our
growth and development.&#160;&#160;Furthermore, government regulation could
render our business model obsolete.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">If
we are unable to manage our intended growth, our prospects for future
profitability will be adversely affected.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We intend
to aggressively expand our marketing and sales programs. Rapid expansion may
strain our managerial, financial and other resources. If we are unable to manage
our growth, our business, operating results and financial condition could be
adversely affected. Our systems, procedures, controls and management resources
also may not be adequate to support our future operations. We will need to
continually improve our operational, financial and other internal systems to
manage our growth effectively, and any failure to do so may lead to
inefficiencies and redundancies, and result in reduced growth prospects and
profitability.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Our insurance policies may be
inadequate in a catastrophic situation and potentially expose us to
unrecoverable risks.</font>&#160;</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We will
have limited commercial insurance policies. Any significant claims against us
would have a material adverse effect on our business, financial condition and
results of operations. Insurance availability, coverage terms and pricing
continue to vary with market conditions. We endeavor to obtain appropriate
insurance coverage for insurable risks that we identify, however, we may fail to
correctly anticipate or quantify insurable risks, we may not be able to obtain
appropriate insurance coverage, and insurers may not respond as we intend to
cover insurable events that may occur. We have observed rapidly changing
conditions in the insurance markets relating to nearly all areas of traditional
corporate insurance. Such conditions have resulted in higher premium costs,
higher policy deductibles and lower coverage limits. For some risks, we may not
have or maintain insurance coverage because of cost or
availability.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Our
business and operations would suffer in the event of system
failures.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Despite
system redundancy and the implementation of security measures, our systems are
vulnerable to damages from computer viruses, unauthorized access, energy
blackouts, natural disasters, terrorism, war and telecommunication failures. Any
system failure, accident or security breach that causes interruptions in our
operations or to our customers&#8217; operations could result in a material disruption
to our business. To the extent that any disruption or security breach results in
a loss or damage to our customers&#8217; data or applications, or inappropriate
disclosure of confidential information, we may incur liability as a result. In
addition, we may incur additional costs to remedy the damages caused by these
disruptions or security breaches.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">From time
to time, we install new or upgraded business management systems. To the extent
such systems fail or are not properly implemented, we may experience material
disruptions to our business, delays in our external financial reporting or
failures in our system of internal controls, that could have a material adverse
effect on our results of operations.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MANAGEMENT&#8217;S
DISCUSSION AND ANALYSIS OR PLAN OF OPERATION</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-STYLE: italic; FONT-FAMILY: Times New Roman">This
Item 2 may contain &#8220;forward-looking statements.&#8221; In some cases, you can identify
forward-looking statements by terminology such as &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should,&#8221;
&#8220;could,&#8221; &#8220;expects,&#8221; &#8220;plans,&#8221; &#8220;intends,&#8221; &#8220;anticipates,&#8221; &#8220;believes,&#8221; &#8220;estimates,&#8221;
&#8220;predicts,&#8221; &#8220;potential&#8221; or &#8220;continue&#8221; or the negative of such terms and other
comparable terminology. These forward-looking statements include, without
limitation, statements about our market opportunity, our strategies,
competition, expected activities and expenditures as we pursue our business
plan, and the adequacy of our available cash resources. Although we believe that
the expectations reflected in any forward-looking statements are reasonable, we
cannot guarantee future results, levels of activity, performance or
achievements. Actual results may differ materially from the predictions
discussed in these forward-looking statements. Changes in the circumstances upon
which we base our predictions and/or forward-looking statements could materially
affect our actual results. Additional factors that could materially affect these
forward-looking statements and/or predictions include, among other things: (1)
our limited operating history; (2) our ability to pay down existing debt; (3)
our ability to retain the professional advisors necessary to guide us through
our corporate restructuring; (4) the risks inherent in the investigation,
involvement and acquisition of a new business opportunity; (5) unforeseen costs
and expenses; (6) potential litigation with our shareholders, creditors and/or
former or current investors; (7) the Company's ability to comply with federal,
state and local government regulations; and (8) other factors over which we have
little or no control.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We do not
undertake any obligation to publicly update any forward-looking statement,
whether as a result of new information, future events, or otherwise, except as
required by law. Such forward-looking statements involve known and unknown
risks, uncertainties and other factors which may cause our actual results or
achievements to be materially different from any future results or achievements
expressed or implied by such forward-looking statements. Such factors include
the factors described in our interim and audited consolidated financial
statements and the Management&#8217;s discussion and analysis of financial condition
and results of operations.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
connection with, and because we desire to take advantage of, the "safe harbor"
provisions of the Private Securities Litigation Reform Act of 1995, we caution
readers regarding certain forward looking statements in the following discussion
and elsewhere in this report and in any other statement made by, or on our
behalf, whether or not in future filings with the Securities and Exchange
Commission. Forward looking statements are statements not based on historical
information and which relate to future operations, strategies, financial results
or other developments. Forward looking statements are necessarily based upon
estimates and assumptions that are inherently subject to significant business,
economic and competitive uncertainties and contingencies, many of which are
beyond our control and many of which, with respect to future business decisions,
are subject to change. These uncertainties and contingencies can affect actual
results and could cause actual results to differ materially from those expressed
in any forward looking statements made by, or on our behalf.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Overview
of Our Business</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MMLN was
initially founded by a group of real estate, mortgage, financial and legal
professionals dedicated to educating and assisting homeowners in financial
distress.&#160;&#160;Our mission is to empower homeowners with knowledge of
their foreclosure mitigation options (<font style="DISPLAY: inline; FONT-STYLE: italic">e.g.</font>, mortgage modification,
short sale, refinance, deed in lieu, bankruptcy) through community outreach
programs so that homeowners may make more informed decisions to allow them to
remain in their homes during this economic downturn.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We assist
financially distressed homeowners who have become overburdened with debt due to
deteriorating economic conditions, eroding property values, frozen credit
markets and stagnant mortgage rates.&#160;&#160;MMLN operates using three (3)
separate divisions, each of which offer dynamic foreclosure mitigation solutions
for distressed homeowners.&#160;&#160;First, our affiliate program markets
specifically to real estate and mortgage professionals and provides a platform
for their customers to benefit from MMLN&#8217;s foreclosure mitigation
offerings.&#160;&#160;Second, our direct-to-lender approach involves entering
into an agreement with a servicing bank, where MMLN provides foreclosure
mitigation services as third party administrator to bank
customers.&#160;&#160;Under this model, MMLN contacts the bank&#8217;s clients on its
behalf and assists in the renegotiation of the bank&#8217;s clients&#8217; existing
mortgages.&#160;&#160;Third, our retail program employs both &#8220;grass roots&#8221; and
&#8220;technology based&#8221; efforts to reach out directly to the troubled homeowner by
helping to inform and educate them as to their various
options.&#160;&#160;Finally, our foreign language programs are able to assist
homeowners where English is not the primary language. We have developed a
proprietary &#8220;back end&#8221; web portal operating system that allows the corporation
and its partners to view the status of each homeowner&#8217;s foreclosure mitigation
solution in real time. This web portal system provides two very specific and
necessary functions. First it provides a standardized, systematic process to
provide equal handling of each individual case.&#160;&#160;Furthermore, because
it is web based, the web portal system provides transparency to all
parties.&#160;&#160;Currently, this portal only encompasses loan modification
progress tracking, but may be expanded to include other foreclosure mitigation
solutions in the future.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;We
believe we can provide the infrastructure for major companies including search
engines and marketing portals to offer foreclosure mitigation
services.&#160;&#160;Management believes we are one of the only companies
specifically designed to offer mortgage modification services in a wholesale
manner to known portals and major institutions.&#160;&#160;These portals and
institutions have direct access to customers in immediate need of loan
modifications services.&#160;&#160;Rather than compete with these companies,
MMLN provides an attractive partner for these companies to send their businesses
directly through us.&#160;&#160;Our system is one of the only scalable systems
available for these entities that rely on scale for their profit
margin.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Revenue
Model and Growth Strategy</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Our
revenue model is comprised of<font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;</font>a hybrid of fee for
service and revenue sharing models. With respect to our wholesale program, by
utilizing a revenue sharing model we can effectively grow our business
vertically without the steep increase of overhead.&#160;&#160;Conversely, our
retail program employs a fee for service vehicle packaging all administrative
and legal services.&#160;&#160;Furthermore, we are currently beta testing a new
proprietary model that could revolutionize the mortgage modification
industry.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Our main
objective will be to define the way in which mortgage modifications are
performed on a national level. Specifically, we hope to create and administer a
standardized loan modification process to handle the increasing number of
defaulting mortgages, which could provide transparency to all parties
involved.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Our
management team has more than 50 years of combined experience in real estate,
mortgage, finance industries and associated legal matters. This focus has
provided us with our initial customer base and intimate knowledge of the market.
We believe that management understands the<font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;</font>financial and credit
markets, and their relationship to the current and future economic cycles, give
us a strong advantage over the competition.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">DESCRIPTION
OF PROPERTY</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company does not own any real property. The Company leases an office in Laguna
Nigel, California from an unrelated party. The office lease is $8,150.00 per
month for a 24 month term, beginning December 1, 2009.&#160;&#160;These offices
house 21 staff.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">SECURITY
OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">As of the
date of this Report, the Company has 16,845,000&#160;shares of common stock
outstanding. The following table sets forth certain information regarding the
beneficial ownership of our outstanding shares as of the date of this Report by
(i) each person who is known by us to own beneficially more than 5% of our
outstanding shares of common stock, (ii) each of our executive officers and
directors, and (iii) all of our executive officers and directors as a
group.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div>
      <table cellpadding="0" cellspacing="0" width="100%">
          <tr>
            <td align="left" valign="bottom" width="23%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Title
      of Class:</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td colspan="2" valign="bottom" width="31%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Name
      and Address of Beneficial Holder:</font></div>
            </td>
            <td valign="bottom" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td colspan="2" valign="bottom" width="9%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Amount
      and Nature of Beneficial Ownership:</font></div>
            </td>
            <td valign="bottom" width="2%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td colspan="2" valign="bottom" width="9%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Percent
      of Class:</font></div>
            </td>
            <td align="left" valign="bottom" width="2%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
            <td align="left" valign="top" width="23%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Common,
      $0.001 par value</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Ryan
      Boyajian<font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: super">(1)</font>,
      27382 Via Priorato, San Juan Capistrano, CA 92675</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,816,000</font></div>
            </td>
            <td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10.78</font></div>
            </td>
            <td align="left" valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></div>
            </td>
          </tr>
          <tr bgcolor="#d8e4be">
            <td align="left" valign="top" width="23%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Common,
      $0.001 par value</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Chris
      A. and Kirsten A. Chudacoff<font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: super">(2)</font>
      1998 Revocable Living Trust Dated September 28, 2008, 28391 Calle Mira
      Monte, San Juan Capistrano, CA 92675</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,816,000</font></div>
            </td>
            <td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10.78</font></div>
            </td>
            <td align="left" valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></div>
            </td>
          </tr>
          <tr bgcolor="white">
            <td align="left" valign="top" width="23%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Common,
      $0.001&#160;par value</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Andrea
      Downs<font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: super">
      (3)</font>, 40 Cambridge Court, Coto de Caza, CA 92679</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,816,000</font></div>
            </td>
            <td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10.78</font></div>
            </td>
            <td align="left" valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></div>
            </td>
          </tr>
          <tr bgcolor="#d8e4be">
            <td align="left" valign="top" width="23%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Common,
      $0.001&#160;par value</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Equine
      Trust Dated January 23, 2009 <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: super">(4)</font>,
      91 Mays Landing Rd, Somers Point, NJ 08244</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,816,000</font></div>
            </td>
            <td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10.78</font></div>
            </td>
            <td align="left" valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></div>
            </td>
          </tr>
          <tr bgcolor="white">
            <td align="left" valign="top" width="23%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Common,
      $0.001 &#160;par value</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Ken
      Glowacki, 27342 Via Priorato, San Juan Capistrano, CA
92675</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">854,500</font></div>
            </td>
            <td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5.07</font></div>
            </td>
            <td align="left" valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></div>
            </td>
          </tr>
          <tr bgcolor="#d8e4be">
            <td align="left" valign="top" width="23%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Common,
      $0.001&#160;par value</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Michael
      McCarthy <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: super">(5)</font>,
      27592 Silvercreek, San Juan Capistrano, CA 92675</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">30,000</font></div>
            </td>
            <td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.18</font></div>
            </td>
            <td align="left" valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></div>
            </td>
          </tr>
          <tr bgcolor="white">
            <td align="left" valign="top" width="23%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Common,
      $0.001&#160;par value</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Daniel
      Pierce Sparks and Michele Lee Sparks Revocable Trust Dated September 15,
      2006, 27662 Pinestrap Circle, Laguna Hills, CA 92653</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,816,000</font></div>
            </td>
            <td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10.78</font></div>
            </td>
            <td align="left" valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></div>
            </td>
          </tr>
          <tr bgcolor="#d8e4be">
            <td align="left" valign="bottom" width="23%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total
      Held by Officers and Directors:</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">7,294,000</font></div>
            </td>
            <td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">43.30</font></div>
            </td>
            <td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></div>
            </td>
          </tr>
          <tr bgcolor="white">
            <td align="left" valign="bottom" width="23%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total
      Held by Officers, Directors and Certain Beneficial Owners:</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">9,964,500</font></div>
            </td>
            <td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">59.15</font></div>
            </td>
            <td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(1)&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ryan
      Boyajian is the Company&#8217;s President, Secretary and
  Director</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(2)&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Kristen
      A. Chudacoff is the Company&#8217;s
Director</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(3)&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Andrea
      Downs is the Company&#8217;s Director</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(4)&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Andrew
      Kardish, III is the Chairman and Director and the end beneficiary of the
      trust</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div>
      <table cellpadding="0" cellspacing="0" id="list" width="100%">
          <tr valign="top">
            <td align="right" style="WIDTH: 36pt">
              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(5)&#160;&#160;</font></div>
            </td>
            <td>
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Michael
      McCarthy is the Company&#8217;s Chief Executive Officer and
    Director</font></div>
            </td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">DIRECTORS
AND EXECUTIVE OFFICERS, PROMOTERS AND CONTROL PERSONS</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Neither
the Company, its property, nor any of its directors or officers is a party to
any pending legal proceeding, nor have they been subject to a bankruptcy
petition filed against them. None of its officers or directors has been
convicted in, nor is subject to, any criminal proceeding.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The names
and ages of the directors and executive officers of the Company and their
positions with the Company are as follows:</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div>
      <table cellpadding="0" cellspacing="0" width="100%">
          <tr>
            <td valign="bottom" width="20%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><a name="tabdatabeginip">Name</a></font></div>
            </td>
            <td valign="middle" width="2%" style="BORDER-BOTTOM: black 4px double"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Age</font></div>
            </td>
            <td valign="middle" width="2%" style="BORDER-BOTTOM: black 4px double"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="bottom" width="48%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Position</font></div>
            </td>
          </tr>
          <tr>
            <td valign="top" width="20%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Michael
      McCarthy</font></div>
            </td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="6%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">48</font></div>
            </td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="48%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Chief
      Executive Officer, Director</font></div>
            </td>
          </tr>
          <tr>
            <td valign="top" width="20%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Andrew
      V. Kardish III</font></div>
            </td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="6%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">47</font></div>
            </td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="48%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Chairman,
      Director</font></div>
            </td>
          </tr>
          <tr>
            <td valign="top" width="20%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Ryan
      Boyajian</font></div>
            </td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="6%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">32</font></div>
            </td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="48%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">President,
      Secretary, Director</font></div>
            </td>
          </tr>
          <tr>
            <td valign="top" width="20%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Andrea
      Downs</font></div>
            </td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="6%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">43</font></div>
            </td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="48%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Chief
      Development Officer, Director</font></div>
            </td>
          </tr>
          <tr>
            <td valign="top" width="20%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Kristen
      Varia Chudacoff</font></div>
            </td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="6%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">42</font></div>
            </td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="48%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Director</font></div>
            </td>
          </tr>
          <tr>
            <td valign="top" width="20%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="6%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="48%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Michael
McCarthy, Chief Executive Officer, Director</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mike
McCarthy, 48, is a senior executive with expertise in consumer direct sales,
strategic business development, management acumen, sales and marketing
development, operational and sales integrations, budget management and cost save
platforms. Most recently at Countrywide Financial, Mr. McCarthy was Managing
Director of New Customer Acquisition &#8220;NCA.&#8221; Under his leadership the group was
responsible for sales generated from media advertising. &#160;&#160;He oversaw
the rapid growth of NCA while posting the highest sales &amp; productivity
metrics in its business unit. &#160;During his tenure as General Manager of
ditech.com, the brand became one of the most recognized in America. Over a six
year period from 2000 through 2006 ditech.com generated in excess of $75 Billion
in funded mortgages, making it one of the most profitable divisions of the GMAC
family. Mr. McCarthy has also played an instrumental role in creating a
multi-brand mortgage company through the development of a variety of regional
offerings. Prior to his tenure at ditech.com, Mr. McCarthy served GM in several
capacities including senior vice president of the GM Family Division of GMAC
Mortgage. Mr. McCarthy is a member of the Board of Directors of the Orangewood
Children&#8217;s Foundation, a non-profit group that works to eliminate child abuse
and neglect in Orange County, California. &#160;Orangewood Children&#8217;s Home
supports children in foster care and at the Orangewood Children&#8217;s, transitioning
foster teens into independent adulthood and increasing public awareness of child
abuse and neglect.Mr. McCarthy earned his Masters Degree from Central Michigan
University, and his Bachelor of Science in Marketing from Oakland University in
Rochester, MI. He resides in San Juan Capistrano, California with his wife Kim
and three children, Morgan, Mallory and Mac.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Andrew
V. Kardish III, Chairman, Director</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Andrew V
Kardish III, 47, is the company&#8217;s Chairman and Director.&#160;&#160;Mr. Kardish
is the President of Kardish Wealth Management an independent financial services
firm offering personalized Wealth Management solutions. Prior to forming his own
firm Mr. Kardish started in the Financial Services industry in 1987 with Dean
Witter Reynolds. From there here worked for Merrill Lynch, Morgan Stanley as
well as UBS where he served as First Vice-President and Training Manager. Andrew
has been involved in numerous venture projects that span the medical device,
communications and real estate development industries.&#160;&#160;Mr. Kardish
also serves as Chairman of the Board of Directors of Skytech Communications, a
wireless communications corporation.&#160;&#160;Mr. Kardish holds a Bachelors
Degree and Masters Degree in Business Administration from Columbia State
University (Cum Laude).</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Ryan Boyajian</font>, <font style="DISPLAY: inline; FONT-WEIGHT: bold">President and Secretary,
Director</font></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
Boyajian, 32, serves as the company President and is also one of the company&#8217;s
founders. Mr. Boyajian is in charge of all Business Development aspects of the
business.&#160;&#160;He has brought significant high level customers who joined
MMLN as Affiliates through his Professional business relationships that he
garnered over the past 15 years in the Mortgage Business.&#160;&#160;Prior to
joining MMLN, Mr. Boyajian was a partner in a mortgage brokerage firm for the
past 4 years.&#160;&#160;He has placed in the top 50 of Mortgage Originators
nationwide since 2002 (Mortgage Originator Magazine).&#160;&#160;Mr. Boyajian
earned his Bachelor of Science degree in Accounting from Fresno State and is
married with 2 children.&#160;&#160;He is also a proud member of National
Association of Mortgage Brokers and California Association of Mortgage
Brokers.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Andrea
Downs, Chief Development Officer, Director</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ms.
Downs, 43, serves as MMLN&#8217;s Chief Development Officer and is responsible for all
Business Development and Marketing for the company. Prior to joining MMLN, Ms.
Downs built a start-up media business in 1992. As Founder and President of
Shorecliff Communications, Inc, Ms. Downs created and executed industry
tradeshows, business to- business conferences and leading publications
throughout the United States, Europe, and Latin America. Ms. Downs and
Shorecliff Communications worked closely with leading investment research and
analysts to keeping ahead of financial markets and trends.&#160;&#160;Shorecliff
Communications, Inc. produces large scale events and media properties for the
Wireless Communications, Electronic Identification, Television, Telephony, and
Multiplayer Gaming industries. Events produced by Shorecliff focus on finance,
investment, and business-to business networking. Ms. Downs took Shorecliff
Communications from a start-up business to an international enterprise with
multi million dollars in annual revenue. Currently, Ms. Downs advises media,
wireless, and IT companies and associations in the Wireless and Finance and
Investment industries.&#160;&#160;Simultaneously serves on the Board of
Directors for Real Estate holding and development companies in Orange County
including Orange County Equestrian Centers, Inc. (OCEC), Media 206,
Technologent, ClearTalk Communications and Downs Holdings, Inc.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Kristen
Varia Chudacoff, Director</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ms.
Chudacoff, 42, has been in the wholesale lending mortgage industry spanning
almost 20 years.&#160; She has worked in all facets of residential lending,
including broker relationships, operational management, loan underwriting and
much more.&#160; Ms. Chudacoff&#160;has achieved top sales success, historically
producing in the top 10% of the country.&#160; She has established multiple
sales and operational systems to improve the overall operational flow of her
business transactions.&#160; She is consistently working on establishing
visionary approaches to all facets of her mortgage lending career.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Wayne
D. Angell, Advisor</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">From
February 7, 1986 to February 9, 1994, Mr. Angell served as a member of the Board
of Governors at the Federal Reserve. He served as Chair of the Board's Committee
on Federal Reserve Bank Activities and as Chair of the G-10 Committee on Payment
and Settlement Systems, Basle, Switzerland.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
Angell was born June 28, 1930, in liberal Kansas. He received a B.A. from Ottawa
University in Ottawa, Kansas in 1952, and an M.A. in 1953 from the University of
Kansas. After completing his coursework for a Ph.D., he began a two-year period
as a full-time Instructor in Economics at the University of Kansas, in 1954. In
1957, Mr. Angell completed his dissertation, The History of Commercial Banking
in Kansas, 1854-1954, to fulfill the final requirement for a Ph.D. in
economics.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In 1956,
Mr. Angell began an extended career at Ottawa University as an Assistant
Professor of Economics. He was promoted to full professor in 1959. He served as
Department Chairman, Division Chairman and, from 1969 to 1972, as Dean of the
College. After a three month sabbatical trip to study economic development in
India, Nepal, Burma, Thailand, Philippines, Hong Kong, and Japan, he returned to
classroom teaching from 1975 to 1985. He continued to broaden his economic
interests by completing two terms as a Director of the Federal Reserve Bank of
Kansas City, and by two more around the world study visas to South East Asia,
with focus on India, China, and Malaysia. Also, he added new direct business
experience as a Bank officer and director, as well as consulting with banks and
thrifts in Missouri, Kansas, and Colorado. During this period, Mr. Angell
concentrated his attention on the increasingly complex task of managing interest
rate and prepayment risk. He had a significant responsibility for the
development of a dynamic hedging strategy and evaluating alternate strategies
such as interest rate and prepayment forecasting.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Three
years after beginning his professional career at Ottawa University, Mr. Angell
became a candidate for the Kansas State House of Representatives. He won a
closely contested race in the Republican primary while declining to accept
contributions to escape the law limiting campaign expenditures to $150 per
election. He then won the general election in November 1960. He secured a
coveted seat on the appropriation's committee as a freshman legislator and one
year later became a subcommittee chair. He was reelected in 1962 and 1964,
chaired the Water Resources Committee and the Economic Development Committee
while continuing his appropriations committee assignments. He was an active
Republican serving as precinct committeeman, as a member of the state Republican
platform committee, as Vice-Chairman of the Kansas State Republican Legislative
Campaign Committee and as Chairman of the 1964 Kansas 3rd Congressional District
Republican Convention.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
Angell is the recipient of numerous honors and awards including Phi Beta Kappa
from the University of Kansas in 1953, Who's Who in America, honorary Doctor of
Humane Letters from Ottawa University in 1992, Distinguished Kansan of the Year
of the Native Sons and Daughters in 1987, and Distinguished Service Award from
the Alumni Association of Ottawa University in 1980.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">All
directors hold office until the next annual meeting of stockholders and the
election and qualification of their successors. Officers are elected annually by
the Board of Directors and serve at the discretion of the Board. There are no
family relationships among the directors and officers of the
Company.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We intend
to establish an Audit Committee and a Compensation Committee of the Board of
Directors, each of which will be comprised of independent
directors.&#160;</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Employment
Agreements and Compensation</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We
currently do not have formal employment or consulting agreements with our
executive officers or directors, except for Wayne Angell (our Advisory Board
chair) pursuant to which Mr. Angell receives $10,000 per quarter for his
services.&#160;&#160;All officers serve on an at-will basis.&#160;&#160;Of the
directors and officers, only the Chief Executive Officer receives a salary
($9,000 per month).</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Equity
Incentive Plan</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">As of the
date of this Report, the Company has not entered into any Equity Incentive
Plans, but intends to do so in the future.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Audit
Committee Financial Expert</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company does not have an audit committee financial expert.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Compliance
with Section 16(a) of the Exchange Act</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
16(a) of the Exchange Act requires the Company&#8217;s officers, directors and persons
who beneficially own more than 10% of the Company&#8217;s common stock to file reports
of ownership and changes in ownership with the SEC. These reporting persons also
are required to furnish the Company with copies of all Section 16(a) forms they
file. To the Company&#8217;s knowledge, no officers, directors and persons who
beneficially own more than 10% of the Company&#8217;s common stock have failed to file
the reports required pursuant to Section 16(a).</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Code
of Ethics</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company has not adopted a Code of Ethics, but plans to do so in the
future.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">EXECUTIVE
COMPENSATION</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">SUMMARY
COMPENSATION TABLE&#160;</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div>
      <table cellpadding="0" cellspacing="0" width="100%">
          <tr>
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      and principal position</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
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              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Year</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
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              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Salary</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td colspan="2" valign="bottom" width="5%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Bonus</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td colspan="2" valign="bottom" width="6%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Stock
      Awards</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td colspan="2" valign="bottom" width="5%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Option
      Awards</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
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              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Nonequity
      incentive plan compensation</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td colspan="2" valign="bottom" width="9%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Nonqualified
      deferred compensation earnings</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td colspan="2" valign="bottom" width="9%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">All
      other compensation</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td colspan="2" valign="bottom" width="6%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total:</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-TOP: black 0.5pt solid; BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr bgcolor="#d8e4be">
            <td align="left" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Michael
      McCarthy, CEO</font></div>
            </td>
            <td align="left" valign="middle" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></div>
            </td>
            <td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">108,000</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></div>
            </td>
            <td align="right" valign="bottom" width="4%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">tbd</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></div>
            </td>
            <td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">30,000
      shares</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></div>
            </td>
            <td align="right" valign="bottom" width="4%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">tbd</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></div>
            </td>
            <td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">tbd
      (performance based)</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></div>
            </td>
            <td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">n/a</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></div>
            </td>
            <td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">n/a</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></div>
            </td>
            <td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">tbd</font></div>
            </td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
            <td align="left" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="middle" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="4%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="4%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div>
      <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">
          <tr valign="top">
            <td>
              <div align="justify">&#160;</div>
            </td>
          </tr>
      </table>
    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">GRANTS OF
PLAN BASED AWARDS.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">No grants
of plan based awards were granted during the 2008 fiscal year.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">OUTSTANDING
EQUITY AWARDS AT FISCAL YEAR-END</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company has not granted any equity awards.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">OPTION
EXERCISES AND STOCK VESTED TABLE<font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;</font></font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company has not granted options or other equity awards.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">PENSION
BENEFITS TABLE</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company did not offer a pension plan during fiscal year 2008.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">NONQUALIFIED
DEFERRED COMPENSATION TABLE</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company did not offer any non-qualified deferred compensation plans during
fiscal year 2008.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">DIRECTOR
COMPENSATION DISCLOSURE</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Except
for Wayne Angell&#8217;s Advisory board consulting agreement, the Company did not
enter into director compensation arrangements during the fiscal year
2008.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">CERTAIN
RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Certain
Relationships and Related Transactions</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Andrew
Kardish,III, Chairman of the Board, lent the Company $150,000 in 2008, all but
$50,000 of which was repaid with interest by early 2009.&#160;&#160;The loans
were evidenced by promissory notes.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Director
Independence</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Our
securities trade on the Over-the-Counter Bulletin Board System and our Board of
Directors is not subject to any independence requirements.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">DESCRIPTION
OF SECURITIES</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">As of
March 24, 2009, the Company had 16,845,000&#160;shares of common issued and
outstanding. The Company has approximately 61 shareholders.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company has fifty million (50,000,000) shares of common stock, at $0.001 par
value, authorized and there are ten million (10,000,000) shares of preferred
stock, at $0.001 par value, authorized.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">PART
II</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">MARKET
PRICE OF AND DIVIDENDS ON THE REGISTRANT&#8217;S COMMON EQUITY AND RELATED STOCKHOLDER
MATTERS</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">As of
&#173;&#173;&#173;&#173;March, 24, 2009, the Company had 16,845,000 shares of common
stock issued and outstanding and had approximately 61 stockholders of
record.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company&#8217;s common stock is not traded on a registered securities exchange, or the
NASDAQ. The Company&#8217;s common stock is quoted on the National Association of
Securities Dealers OTC Bulletin Board. The Company&#8217;s common stock was eligible
for trading as of March 11, 2008.&#160;&#160;However, the Company&#8217;s common stock
has never traded.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On March
23, 2009 the closing price was $0.00 per share.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">We have
never declared or paid cash dividends to our stockholders. We currently intend
to retain all available funds and any future earnings for use in the operation
of our business and we do not anticipate declaring or paying cash dividends for
the foreseeable future.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">There are
no securities authorized for issuance under any equity compensation
plans.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">LEGAL
PROCEEDINGS</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company is not involved in any pending or threatened legal
proceedings.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">CHANGES
IN AND DISAGREEMENTS WITH ACCOUNTANTS</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company has not changed its accountants.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company has had no disagreements with its accountants on accounting and
financial disclosure.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Dividends-Common
Shares</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company has never paid cash dividends on its Common Stock and does not intend to
do so in the foreseeable future.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">INDEMNIFICATION
OF DIRECTORS AND OFFICERS</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company's Articles of Incorporation provide that the Company shall indemnify to
the fullest extent permitted by the Nevada Corporate Code any person who is
made, or threatened to be made, a party to any action, suit or proceeding,
whether civil, criminal, administrative, investigative, or otherwise (including
an action, suit or proceeding by or in the right of the corporation) by reason
of the fact that the person is or was a director or officer of the corporation
or a fiduciary within the meaning of the Employee Retirement Income Security Act
of 1974 with respect to any employee benefit plan of the corporation, or serves
or served at the request of the corporation as a director or officer, or as a
fiduciary of an employee benefit plan, of another corporation, partnership,
joint venture, trust or other enterprise. The right to and amount of
indemnification shall be determined in accordance with the provisions of the
Nevada Corporate Code in effect at the time of the determination.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Our
bylaws generally require that we advance to our directors and officers expenses
incurred by them in defending a proceeding in advance of its final disposition,
provided that the director or officer agrees to reimburse us for such advances
if it is ultimately found that the director or officer is not entitled to
indemnification. In addition, our bylaws permit us to purchase insurance on
behalf of our directors and officers against any liability asserted against them
in such capacity. We intend to obtain such insurance.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Insofar
as indemnification for liabilities arising under the Securities Act may be
permitted to our directors, officers and controlling persons pursuant to the
foregoing provisions or otherwise, we have been advised that in the opinion of
the Securities and Exchange Commission such indemnification is against public
policy as expressed in the Securities Act and is, therefore, unenforceable. In
the event that a claim for indemnification against such liabilities (other than
the payment by us of expenses incurred or paid by a director, officer or
controlling person of us in the successful defense of any action, suit or
proceeding) is asserted by such director, officer or controlling person in
connection with the securities being registered, we will, unless in the opinion
of our counsel the matter has been settled by controlling precedent, submit to a
court of appropriate jurisdiction the question whether such indemnification by
it is against public policy as expressed in the Securities Act and will be
governed by the final adjudication of such issue.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
3.02
&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
Unregistered Sales of Equity Securities</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">As of,
March 23, 2009 and in accordance with the terms of the Share Exchange Agreement,
ten million (10,000,000) shares of stock shall be issued to the security holders
of MMLN in exchange for 100% for all of the issued and outstanding shares of
MMLN common stock (&#8220;MMLN Shares&#8221;) from the MMLN Security Holders.&#160;&#160;All
GWRC common stock to be issued to the MMLN Security Holders shall be exempt from
the registration requirements of the Securities Act of 1933, as amended (the
&#8220;Securities Act&#8221;), pursuant to Section 4(2) and/or Regulation D of the
Securities Act and rules and regulations promulgated thereunder.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
5.01
&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
Changes in Control of Registrant</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
connection with the closing of the Share Exchange Agreement described in Item
2.01, the Registrant issued an aggregate of 10,000,000 shares of its common
stock which resulted in a change of control with respect to its stock ownership.
Please see &#8220;Directors and Executive Officer, Promoters and Control Persons&#8221; and
&#8220;Security Ownership of Certain Beneficial Owners and Management&#8221; sections in
Item 2.01 above, which set forth the Company&#8217;s new principal stockholders and
its newly elected officers as required under this Item 5.01.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Item 5.02</font>&#160;<font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;&#160;</font><font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;&#160;&#160;</font><font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;Departure of Directors or
Principal Officers</font></font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On
March&#160;23, 2009, James L. Vandeberg resigned as our Chief Executive Officer,
Chief Financial Officer, (sole officer) and Director effective immediately.
Mr.&#160;Vandeberg resigned pursuant to the&#160;Share Exchange&#160;Agreement
described in Item 2.01 and not pursuant to any disagreement on any matter
relating to the Company&#8217;s operations, policies or practices, nor regarding the
general direction of the Company.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On March
23, 2009, Michael McCarthy was appointed as the Chief Executive Officer,
Director, effective immediately. Mr. McCarthy shall serve as officer until the
earlier of (i) his resignation, (ii) election of his successor or (iii) his
termination.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mike
McCarthy, 48, has been the Chief Executive Officer, Director of MMLN since
March2, 2009, and is a senior executive with expertise in consumer direct sales,
strategic business development, management acumen, sales and marketing
development, operational and sales integrations, budget management and cost save
platforms. Most recently at Countrywide Financial, Mr. McCarthy was Managing
Director of New Customer Acquisition &#8220;NCA.&#8221;. Under his leadership the group was
responsible for sales generated from media advertising. &#160;&#160;He oversaw
the rapid growth of NCA while posting the highest sales &amp; productivity
metrics in its business unit. &#160;During his tenure as General Manager of
ditech.com, the brand became one of the most recognized in America. Over a six
year period from 2000 thru 2006 ditech.com generated in excess of $75 Billion in
funded mortgages, making it one of the most profitable divisions of the GMAC
family. Mr. McCarthy has also played an instrumental role in creating a
multi-brand mortgage company through the development of a variety of regional
offerings. Prior to his tenure at ditech.com, Mr. McCarthy served GM in several
capacities including senior vice president of the GM Family Division of GMAC
Mortgage. Mr. McCarthy is a member of the Board of Directors of the Orangewood
Children&#8217;s Foundation, a non-profit group that works to eliminate child abuse
and neglect in Orange County, California. &#160;Orangewood Children&#8217;s Home
supports children in foster care and at the Orangewood Children&#8217;s, transitioning
foster teens into independent adulthood and increasing public awareness of child
abuse and neglect. Mr. McCarthy earned his Masters Degree from Central Michigan
University, and his Bachelor of Science in Marketing from Oakland University in
Rochester, MI. He resides in San Juan Capistrano, California with his wife Kim
and three children, Morgan, Mallory and Mac.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
McCarthy is not related to any officer, director or affiliate of the Company.
Mr. McCarthy is not a party to any pending legal proceeding, nor has he been
subject to a bankruptcy petition filed against him, nor been convicted in, or
subject to, any criminal proceeding.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On March
23, 2009, Andrew V. Kardish III was appointed as the Chairman, Director,
effective immediately.&#160;&#160;Mr. Kardish shall serve as officer until the
earlier of (i) his resignation, (ii) election of his successor or (iii) his
termination.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Andrew V
Kardish III, 47, has been the Chairman of MMLN since September 8, 2008 and
Director since September 8, 2008.&#160;&#160;Mr. Kardish is the President of
Kardish Wealth Management an independent financial services firm offering
personalized Wealth Management solutions. Prior to forming his own firm Mr.
Kardish started in the Financial Services industry in 1987 with Dean Witter
Reynolds. From there here worked for Merrill Lynch, Morgan Stanley as well as
UBS where he served as First Vice-President and Training Manager. Andrew has
been involved in numerous venture projects that span the medical device,
communications and real estate development industries.&#160;&#160;Mr. Kardish
also serves as Chairman of the Board of Directors of Skytech Communications, a
wireless communications corporation.&#160;&#160;Mr. Kardish holds a Bachelors
Degree and Masters Degree in Business Administration from Columbia State
University (Cum Laude).</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
Kardish is not related to any officer, director or affiliate of the Company. Mr.
Kardish is not a party to any pending legal proceeding, nor has he been subject
to a bankruptcy petition filed against him, nor been convicted in, or subject
to, any criminal proceeding.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On March
23, 2009, Ryan Boyajian was appointed the President and Secretary, Director,
effective immediately.&#160;&#160;Mr. Boyajian shall serve as officer until the
earlier of (i) his resignation, (ii) election of his successor or (iii) his
termination.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
Boyajian, 32 has been the President of MMLN since October 29, 2008, Secretary
since February 12, 2009 and Director since September 8, 2008.&#160;&#160;Mr.
Kardish is also one of the company&#8217;s founders. Mr. Boyajian is in charge of all
Business Development aspects of the business.&#160;&#160;He has brought
significant high level customers who joined MMLN as Affiliates through his
Professional business relationships that he garnered over the past 15 years in
the Mortgage Business.&#160;&#160;Prior to joining MMLN, Mr. Boyajian was a
partner in a mortgage brokerage firm for the past 4 years.&#160;&#160;He has
placed in the top 50 of Mortgage Originators nationwide since 2002 (Mortgage
Originator Magazine).&#160;&#160;Mr. Boyajian earned his Bachelor of Science
degree in Accounting from Fresno State and is married with 2
children.&#160;&#160;He is also a proud member of National Association of
Mortgage Brokers and California Association of Mortgage Brokers.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Mr.
Boyajian is not related to any officer, director or affiliate of the Company.
Mr. Boyajian is not a party to any pending legal proceeding, nor has he been
subject to a bankruptcy petition filed against him, nor been convicted in, or
subject to, any criminal proceeding.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On March
23, 2009, Andrea Downs was appointed the Chief Development Officer, Director,
effective immediately.&#160;&#160;Ms. Downs shall serve as officer until the
earlier of (i) her resignation, (ii) election of her successor or (iii) her
termination.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ms.
Downs, 43 has been Chief Development Officer and Director of MMLN since November
25, 2008 and is responsible for all Business Development and Marketing for the
company. Prior to joining MMLN, Ms. Downs built a start-up media business in
1992. As Founder and President of Shorecliff Communications, Inc, Ms. Downs
created and executed industry tradeshows, business to- business conferences and
leading publications throughout the United States, Europe, and Latin America.
Ms. Downs and Shorecliff Communications worked closely with leading investment
research and analysts to keeping ahead of financial markets and
trends.&#160;&#160;Shorecliff Communications, Inc. produces large scale events
and media properties for the Wireless Communications, Electronic Identification,
Television, Telephony, and Multiplayer Gaming industries. Events produced by
Shorecliff focus on finance, investment, and business-to business networking.
Ms. Downs took Shorecliff Communications from a start-up business to an
international enterprise with multi million dollars in annual revenue.
Currently, Ms. Downs advises media, wireless, and IT companies and associations
in the Wireless and Finance and Investment industries.&#160;&#160;Simultaneously
serves on the Board of Directors for Real Estate holding and development
companies in Orange County including Orange County Equestrian Centers, Inc.
(OCEC), Media 206, Technologent, ClearTalk Communications and Downs Holdings,
Inc.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ms. Downs
is not related to any officer, director or affiliate of the Company. Ms. Downs
is not a party to any pending legal proceeding, nor has she been subject to a
bankruptcy petition filed against her, nor been convicted in, or subject to, any
criminal proceeding.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On March
23, 2009, Kristen Varia Chudacoff was appointed Director, effective
immediately.&#160;&#160;Ms. Chudacoff shall serve as officer until the earlier
of (i) her resignation, (ii) election of her successor or (iii) her
termination.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ms.
Chudacoff, 42 has been a Director for MMLN since February 12, 2009 and has been
in the wholesale lending mortgage industry spanning almost 20 years.&#160; She
has worked in all facets of residential lending, including broker relationships,
operational management, loan underwriting and much more.&#160; Ms. Chudacoff has
achieved top sales success, historically producing in the top 10% of the
country.&#160; She has established multiple sales and operational systems to
improve the overall operational flow of her business transactions.&#160; She is
consistently working on establishing visionary approaches to all facets of her
mortgage lending career.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Ms.
Chudacoff is not related to any officer, director or affiliate of the Company.
Ms. Chudacoff is not a party to any pending legal proceeding, nor has she been
subject to a bankruptcy petition filed against her, nor been convicted in, or
subject to, any criminal proceeding.&#160;</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
9.01
&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
Financial Statements and Exhibits</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Please
see the Exhibit Index immediately following the signature page.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">SIGNATURES</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pursuant
to the requirements of the Securities Exchange Act of 1934, the Registrant has
duly caused this report to be signed on its behalf by the undersigned hereunto
duly authorized.</font></div>
    <div>
      <table cellpadding="0" cellspacing="0" width="100%">
          <tr>
            <td valign="top" width="38%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="37%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
            <td valign="top" width="38%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Dated:
      March 24, 2009</font></div>
            </td>
            <td valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="37%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
            <td align="left" valign="top" width="38%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="37%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
            <td align="left" valign="top" width="38%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" colspan="2" valign="top" width="40%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">GLOBAL
      WEST RESOURCES, INC.</font></div>
            </td>
          </tr>
          <tr>
            <td align="left" valign="top" width="38%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="37%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
            <td valign="top" width="38%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="3%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">By:&#160;&#160;</font></div>
            </td>
            <td align="left" valign="top" width="37%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">/s/
      Michael McCarthy</font></div>
            </td>
          </tr>
          <tr>
            <td align="left" colspan="2" valign="top" width="41%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="37%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">[Missing Graphic Reference]</div>
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Michael
      McCarthy</font></div>
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Chief
      Executive Officer</font></div>
            </td>
          </tr>
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    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="right">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">EXHIBIT
INDEX</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div>
      <table cellpadding="0" cellspacing="0" width="100%">
          <tr>
            <td align="left" valign="top" width="10%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Exhibit
      No.</font></div>
            </td>
            <td align="left" valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="47%" style="BORDER-BOTTOM: black 2px solid">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Description</font></div>
            </td>
            <td align="left" valign="middle" width="19%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
            <td align="left" valign="top" width="10%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="47%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="middle" width="19%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
            <td align="left" valign="top" width="10%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10.1</font></div>
            </td>
            <td align="left" valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="47%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Share
      Exchange Agreement</font></div>
            </td>
            <td align="left" valign="middle" width="19%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
            <td align="left" valign="top" width="10%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="47%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="middle" width="19%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
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              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">99.1</font></div>
            </td>
            <td align="left" valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="47%">
              <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Financial
      Statements of Business Acquired.</font></div>
            </td>
            <td align="left" valign="middle" width="19%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
            <td align="left" valign="top" width="10%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="top" width="47%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td align="left" valign="middle" width="19%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
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      </font></td>
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            </td>
            <td align="left" valign="middle" width="19%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
          <tr>
            <td valign="top" width="10%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="top" width="47%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
            <td valign="middle" width="19%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
      </font></td>
          </tr>
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    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(1)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Filed
with the SEC on Form 10Q during the second fiscal quarter ended on January 31,
2009, filed on March 16, 2009.</font></div>
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form8-k.htm
SECURITIES
AND EXCHANGE COMMISSION
Washington,
D.C. 20549
FORM 8-K
CURRENT
REPORT
Pursuant
to Section 13 or 15(d) of the
Securities
Exchange Act of 1934
Date
of Report (date of earliest event reported): March 23, 2009
GLOBAL
WEST RESOURCES, INC.
(Exact
name of registrant as specified in its charter)
Nevada
000-52996
26-4238285
(State
      or other jurisdiction
of
      incorporation)
(Commission
      File Number)
(IRS
      Employer
I.D.
      Number)
601
Union Street, Suite 4500, Seattle, WA 98101
(Address
of principal executive offices)(Zip Code)
Registrant's
telephone number, including area code: (206) 262-9545
45
Milford Ave., Toronto ON. M6M 2W1
(Former
name and former address, if changed since last report)
Check the
appropriate box below if the Form 8-K filing is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following
provisions:
o
Written
communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425)
o
Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12)
o
Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
240.14d-2(b))
o
Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
240.13e-4(c))
Item
2.01
               
Completion of Acquisition or Disposition of Assets
On March
23, 2009, the Registrant, Global West Resources, Inc., a Nevada corporation,
("GWRC"),
exchanged, pursuant
to a Share Exchange Agreement with Mortgage Modification Legal Network, Inc.
("MMLN") (the "Share Exchange Agreement"), an aggregate of 10,000,000 shares of
its common stock for all of the issued and outstanding shares of common stock of
MMLN ("MMLN Shares") from the MMLN Security Holders.  After the
Closing on March 23, 2009 (the "Closing"), GWRC intends to change its name to We
Save Homes, Inc. ("WSHI") and, upon Board determination, dissolve MMLN, which,
at that time would be a wholly-owned subsidiary of WSHI.
The
business, operations, management and other material information concerning MMLN
is set forth below in this Item 2.01. All references to the "Company,"
"MMLN,"  "WSHI," "we" or "us" refer to the now combined operations of
the Registrant.
DESCRIPTION
OF BUSINESS
MMLN was
incorporated in the State of California on September 30, 2008, and elected to be
treated as a subchapter S corporation for tax purposes
BACKGROUND
MMLN was
initially founded by a group of real estate, mortgage, financial and legal
professionals dedicated to educating and assisting homeowners in financial
distress.  The corporate vision involved empowering homeowners with
knowledge of their foreclosure mitigation options (
e.g.
, mortgage modification,
short sale, refinance, deed in lieu, bankruptcy) through community outreach
programs so that homeowners may make more informed decisions that could allow
them to remain in their homes during the recent economic
downturn.  MMLN has established, and continues to develop, strategic
partnerships with law firms, real estate brokers, national banks, mortgage
brokers, internet companies, and financial institutions to facilitate
foreclosure mitigation solutions, primarily loan modifications, for its clients
throughout the United States.
BUSINESS
OF THE ISSUER
MMLN
assists financially distressed homeowners who have become overburdened with debt
due to deteriorating economic conditions, eroding property values, frozen credit
markets and stagnant mortgage rates.  MMLN operates using three (3)
separate divisions, each of which offers dynamic foreclosure mitigation
solutions for distressed homeowners.  First, MMLN has an affiliate
program which markets specifically to real estate and mortgage professionals and
provides a platform for their customers to benefit from MMLN's foreclosure
mitigation offerings.  Second, MMLN has a direct-to-lender approach
that involves entering into an agreement with a servicing bank, where MMLN
provides foreclosure mitigation services as third party administrators to bank
customers.  Under this model, MMLN contacts the bank's clients on its
behalf and assists in the renegotiation of the bank's clients' existing
mortgages.  Finally, MMLN has a retail program that employs both
"grass roots" and "technology based" efforts to reach out directly to the
troubled homeowner by helping to inform and educate them as to their various
options.  Operating from its corporate headquarters in Laguna Niguel,
California, MMLN, through its partners and affiliates, offers foreclosure
mitigation services, including mortgage modifications, to homeowners throughout
the United States.  Moreover, MMLN's foreign language programs are
able to assist homeowners where English is not the primary
language.
BUSINESS
UPDATES
In 2008,
MMLN achieved month-over-month increases in sales of its foreclosure
mitigation services, primarily loan modifications.  MMLN and its
partners have commenced the following number of loan modifications for each of
the following months: (i) October 2008, twenty-one (21) loan modifications; (ii)
November 2008, thirty-three (33) loan modifications; and (iii) December 2008,
seventy-seven (77) loan modifications.  Because the timing to achieve
a loan modification varies considerably from case to case and can take up to 90
days or longer, comprehensive success/failure statistics are not available for
these months.  The amount of loan modifications resulting from
MMLN's affiliate program and retail program were roughly even in
2008.  To date, MMLN has not entered into any agreements with
servicing banks, but is working on some promising leads.
MMLN's profit
per loan modification varies greatly and depends upon many factors, including
whether the loan modification was generated through the retail program, the
direct-to-lender program, or the affiliate program.  Generally,
MMLN's profit per loan modification ranges anywhere from between $600 to
$2,300, and averages approximately $1,000 per transaction.  In certain
instances where refunds are given due to achieving an unsatisfactory result,
MMLN's profit per loan modification may be lower, or even
negative.
Technology
Platform and Intellectual Property
LICENSING
MMLN is
currently in the process of qualifying to transact business in the State of
California, where it has its corporate headquarters.  MMLN is in the
process of becoming licensed by the California Department of Real Estate ("DRE")
as a corporate real estate broker and mortgage broker, which allows MMLN to
practice real estate, including the solicitation, negotiation, and performance
of loan modifications, in the state of California.  MMLN has filed, or
is in the process of filing, with the DRE an Advance Fee Agreement which allows
MMLN to obtain up-front payment for performing its distressed mortgage services
subject to numerous DRE restrictions, including trust fund
requirements.  MMLN is in the process of obtaining, a "no objection"
response from the DRE regarding its Advance Fee Agreement.
TECHNOLOGY
MMLN has
developed a proprietary "back end" web portal operating system that allows the
corporation and its partners to view the status of each homeowner's foreclosure
mitigation solution in real time. This web portal system provides two very
specific and necessary functions. First it provides a standardized, systematic
process to provide equal handling of each individual
case.  Furthermore, because it is web based, the web portal system
provides transparency to all parties.  Currently, this portal only
encompasses loan modification progress tracking, but may be expanded to include
other foreclosure mitigation solutions in the future.
INTELLECTUAL
PROPERTY
The
domain name, WeSaveHomes.com, was registered on May 6, 2008 and expires on May
6, 2010 (and is capable of being renewed).  The domain name,
Modifiquehoy.com, was registered on December 1, 2008 and expires on December 1,
2010 (and is capable of being renewed). MMLN believes it has obtained adequate
protection of its intellectual property rights in connection with its
websites.  There is no pending or threatened litigation affecting
MMLN, nor are there any copyright issues affecting or that threaten to affect
MMLN"s websites.
Locations
MMLN
operates from its corporate headquarters in Laguna Niguel, California and has no
immediate plans to open additional offices within or outside of the State of
California.  MMLN currently leases approximately 5000 square feet of
commercial space in a single level office park and subleases a portion of that
square footage to a debt settlement company and mortgage company,. MMLN
maintains strategic affiliations with both companies.  MMLN also
employs approximately 30 outside Account Executives who supervise in excess of
250 affiliates nationwide, reducing overall fixed overhead.  MMLN may
lease additional space in its current building to accommodate its expanding
employee base.
Customers
and Target Markets
MMLN
seeks customers in three target markets (i) retail, (ii) wholesale and (iii)
direct-to-lender, as described below:
Retail
Clients
:  MMLN undertakes various types of direct marketing
campaigns to reach homeowners who are in danger of losing their homes to
foreclosure or who could otherwise benefit from MMLN's foreclosure mitigation
services.  MMLN utilizes direct mailers, internet marketing (including
search engine optimization, lead assistance programs and email campaigns),
community outreach programs, radio, and other forms of media to market its
foreclosure mitigation services.  MMLN's retail program also includes
direct marketing towards the Spanish-speaking community and MMLN has dedicated
legal assistants fluent in Spanish who are available to assist distressed
homeowners.  MMLN has also created a Spanish language website at
www.modifiquehoy.com
specifically for this initiative.
Wholesale
Clients
:  MMLN utilizes an affiliate network comprised of real
estate professionals to market its foreclosure mitigation services to their
clients.  MMLN's affiliates receive commissions based on the amount of
work the affiliate does to aid the client in completing a foreclosure mitigation
program.  Generally, affiliates have the potential to earn anywhere
from $500 to $1500 per client processed.
Direct-To-Lender
Clients
:  MMLN is currently pursuing leads to become a third
party administrator for banks or other lending institutions seeking to implement
loan modification programs for their customers.  As third party
administrators for a lender, MMLN would be able to efficiently approach the
lender's clients on behalf thereof, but as an independent third party, and offer
loan modifications on terms pre-approved by the lender.  MMLN's role
would eliminate the need for a lender to establish and staff a foreclosure
mitigation division, thereby saving the lender significant administrative
expenditures as well as operating costs.
Competition
MMLN
operates in the distressed mortgage and foreclosure mitigation solutions market,
which is highly competitive and characterized by rapid change, increasing
competition from attorneys, real estate brokers, mortgage brokers, and mortgage
modification companies offering similar services.  The mortgage
modification market, in particular, has low barriers to entry, is becoming
increasingly saturated by ex-subprime brokers, and contains numerous companies
that are operating illegally.
MMLN
competes for distressed homeowners' business with many other providers of loan
modification services.  The principal competitive factors relating to
attracting and retaining clients include the types of services offered, price
points, personalization, success rate, and the homeowner's overall
experience.
We
believe the  most significant competition is from the Federal Loan
Modification Law Center, The Feldman Law Center, The Milestone Capital Group,
LoanModification 411.com, amongst others.
Competitive
Advantages
It is
expected that MMLN will overcome the low barrier entry challenge with its
competitive advantage in the industry.  This competitive advantage is
realized by addressing three key components to the market:
First, We
believe MMLN will be able to provide the necessary infrastructure for major
companies including search engines and marketing portals to offer foreclosure
mitigation services.  MMLN is one of the only companies specifically
designed to offer mortgage modification services in a wholesale manner to known
portals and major institutions.  These portals and institutions have
direct access to customers in immediate need of loan modifications
services.  Rather than compete with these companies, MMLN provides an
attractive partner for these companies to send their businesses directly through
us.  We believe our system is one of the only scalable systems
available for these entities that rely on scale for their profit
margin.  Major companies that are currently using (or have agreed in
principal to use) MMLN for their loan modification solution
include:
·
Lending
      Tree
·
Credit.com
·
UFirst
      Financial
·
Think
      Debt Relief
·
Intelligent
      Beauty (web portal company by founders of
  MySpace)
Second,
MMLN's services provide a national solution for government and
banks:  As a third party administrator for large lenders, banking
institutions and government, MMLN can provide a comprehensive mortgage
modification solution designed to implement relief for distressed
homeowners.  We believe this solution to be far-reaching and provide
incentives for the banks as well as all classes of homeowners; including those
with equity and loan problems and those without equity and loan
challenges.
Third,
MMLN maintains an unparalleled advisory board;  MMLN has an advisory
board that is currently headed by Wayne Angell and which management intends will
consist of high-profile members of the private sector and government whose sole
commitment is to preserve the American Dream by providing the tools existing
homeowners need to stay in their homes.
Market
Growth
We
believe there is a great potential to profit from the foreclosure mitigation
services which we provide.  The peak of the sub-prime mortgage resets
occurred in 2008.  However, between 2009 and 2012, the resetting of
Option ARMS and Alt-A loans is expected to affect more (in billions of U.S.
Dollars) mortgages than the sub-prime collapse.
Additionally,
most of the homeowners that will be affected by the Option Arm resets have been
choosing to make the minimum monthly payments resulting in negative
amortization, and leaving millions of homeowners with unaffordable
mortgages.  With the new economic stimulus package pushing loan
modifications to the forefront of the media and the consumer mindset, and
incentivizing lending institutions to modify troubled homeowners' mortgages, we
are currently facing the very early stages of a huge growth.  All
three of our target markets (e.g.
,
retail, wholesale,
direct-to-lender) are poised for large-scale growth and market share potential
based on these compelling economics.
Legislation
and Government Regulation
Government
Regulation
The
California legislature and the California DRE has implemented various measures
to regulate foreclosure mitigation transactions, especially the practice of
mortgage modifications.  These regulations, which include prohibitions
against certain actions of "foreclosure consultants," licensing requirements and
approval of advance fee agreements that limit the fees received by a broker
before rendering services, among others, may adversely impact MMLN's revenue
growth.  Moreover, although MMLN believes that it is operating within
the parameters of the law, the California Attorney General or the DRE may
disagree and could ultimately revoke MMLN's broker's license, rescind MMLN's
advance fee agreement or subject MMLN to legal action resulting in civil damages
or criminal fines and penalties.  The California legislature could
also pass stricter laws further regulating, prohibiting or centralizing various
aspects of MMLN's business, which would result in a decrease in business,
revenue and profits.
Similarly,
the U.S. Congress has implemented federal legislation that impacts foreclosure
mitigation transactions, including mortgage modifications that could have an
adverse impact on MMLN's business, revenues and growth.  Although MMLN
believes that it is operating in compliance with federal law, the U.S. Attorney
General or other federal enforcement agency could determine that MMLN's business
somehow violates federal law, including, but not limited to RESPA, and could
ultimately subject MMLN to legal action resulting in damages, fines and
penalties.  Congress could also pass new legislation, such as allowing
bankruptcy courts to modify mortgages that further regulate, prohibit or
nationalize various aspects of MMLN's business, which would result in a decrease
in business, revenue and profits.  Finally, Congress could pass a
financial stimulus package that could reduce the consumer need for MMLN's
distressed financial services and foreclosure mitigation programs.
President Obama's Homeowner
Affordability and Stability Plan
President
Obama's February 2009 "homeowner" stimulus package has two main parts: (1) three
to four million homeowners who are at risk of foreclosure to lower their monthly
payments by modifying loan terms; and (2) using Fannie Mae and Freddie Mac to
refinance the loans of four to five million Americans who owe more than their
homes are worth.  However, President Obama's plan only helps a small
number of homeowners in the parts of the country where the housing crisis has
not hit as hard.  Specifically, President Obama's plan only affects
"conforming" loans held or securitized by Fannie Mae or Freddie Mac, which as of
January 1, 2009 have been capped at approximately $417,000 for most of the
United States and approximately $625,500 for higher cost areas.  Also,
to qualify for the plan, the new first mortgage (including any refinancing
costs) cannot exceed 105% of the current market value of the
property.  The plan may not provide any assistance with second
mortgages.  Similarly, if a homeowner's debt-to-income ratio is
already 31%, that homeowner may not qualify.
Although
the President's plan represents a good start towards fixing the housing problem,
it ignores a majority of the troubled homeowners in the most vulnerable areas,
namely California.  For instance, in the San Francisco Bay Area of
Northern California, jumbo loans had approximately 62% of the market earlier
this year, and in Southern California, it was approximately 39%. In California
and other high-cost regions, jumbo loans were marketed not just to the wealthy
who could afford to buy a big house, but to average middle-class families with
average middle-class incomes.
MarketWatch
, Nov. 2, 2007 by
Rex Nutting.  Under the President's plan, it appears that the majority
of homeowners in the state of California would receive no benefit.  In
terms of size, the California economy currently ranks 8
th
in the
world, just behind Italy and ahead of Spain and Canada. The next five largest
economies are Brazil ($1.3 trillion), Russia ($1.3 trillion), India ($1.2
trillion), South Korea ($970 billion), and Mexico ($893 billion).
CCSCE, Center for the continuing
Study of the California Economy
, September 2008.  Without
fixing the housing problem in California (which the President's plan does not
do), the housing crisis will not be resolved.  In fact, of the four
states (Nevada, California, Florida and Arizona) that represent the majority of
the housing crisis, relief would be limited under the President's
plan.
We
believe that MMLN and the services which it provides will not be substantially
limited by the President's plan due to the fact that our services help
homeowners regardless of loan size, type or priority (e.g., first or
second).  MMLN's business especially flourishes in California, Nevada,
Florida and Arizona, where jumbo mortgages are more
prevalent.  Moreover, MMLN can help a homeowner whose first mortgage
exceeds 105% of the home's market value and, in certain circumstances, where a
homeowner's debt-to-income ration is lower than 31%.  In conclusion,
the President's plan seeks to help approximately 8 million homeowners, which
represents only 1 in 5 homeowners with mortgages.
Christian Science Monitor
,
March 4, 2009 by Laurent Belsie.  MMLN will endeavor to help the other
4.
Employees
The
Company currently has 21 full-time employees and 26 independent
contractors.
Risk
Factors
We
have no history of having meaningful revenues or profitable operations and may
incur future losses, which will likely impair our future stock
price.
Since
MMLN was formed in 2008, we have generated limited revenues, incurred losses and
we may never realize meaningful revenues or achieve profitability.  We
expect our operating expenses to increase substantially as we implement our
business plan.  Given these planned expenditures, we will likely incur
additional losses in the near future.
Our
business is difficult to evaluate because we have a limited operating history
and an uncertain future.
We have a limited operating history
upon which you can evaluate our present business and future prospects. We face
risks and uncertainties relating to our ability to implement our business plan
successfully. Our operations are subject to all of the risks inherent in the
establishment of a new business enterprise generally. The likelihood of our
success must be considered in light of the problems, expenses, difficulties,
complications and delays frequently encountered in connection with the formation
of a new business, the commencement of operations and the competitive
environment in which we operate. If we are unsuccessful in addressing these
risks and uncertainties, our business, results of operations, financial
condition and prospects will be materially harmed.
Many
of our programs are still in the pilot stage and we cannot assure you that we
can convert them into ongoing, large-scale programs.
While we
have a number of programs (e.g., retail, wholesale, etc.), these are still in
the pilot stage. We will strive to convert these prospective programs into
ongoing, large-scale customers programs, but we cannot assure you that we will
be able to convert all or even some of them. If we cannot convert a significant
number of our pilot-programs, we will be materially impacted.
Our revenue sources
are presently concentrated in the
distressed homeowner market and not yet diversified in other segments,
which
may adversely
affect our business in an industry slump.
Our
initial and ongoing operations may result in a pattern of reliance on revenue
from one or more customers in one market segment who may represent a
disproportionate share of our gross revenue. Loss of such customers may have
adverse effects on our operations until such loss is resolved or revenue sources
are diversified among other customers and market segments. We have a limited
operating history and cannot accurately predict if and when such an
over-reliance may occur or whether we will be successful in correcting such an
over-reliance in time to avoid operating losses.
We
do not have patent protection on our intellectual property. If we are unable to
protect our right to use certain intellectual property, we may lose a
competitive advantage or incur substantial litigation costs to protect our
rights.
We do not
have patents or registered trademarks on our proprietary technology. Our future
success depends in part upon our proprietary technology. The scope of any patent
to which we may obtain rights may not prevent others from developing and selling
competing products. The validity and breadth of claims covered in technology
patents involve complex legal and factual questions, and the resolution of such
claims may be highly uncertain, lengthy and expensive. In addition, any patents
we may obtain may be held invalid upon challenge, or others may claim rights in
our ownership of such patents.
We
are subject to intellectual property infringement claims, which may cause us to
incur litigation costs and divert management attention from our
business.
While we
do not currently anticipate any claims against us, any intellectual property
infringement claims against us, with or without merit, could be costly and
time-consuming to defend and divert our management's attention from our
business. If our products were found to infringe a third party's proprietary
rights, we could be required to enter into royalty or licensing agreements in
order to be able to sell our products. Royalty and licensing agreements, if
required, may not be available on terms acceptable to us or at all.
We
face competition from other similar businesses that are also seeking to develop
a leading position in the distressed homeowner market.
One of
our specialized or local competitors may copy our solution, or part of it, even
in the presence of potential patents or copyrights, as a strategic means of
challenging our intellectual property.
We
may lack sufficient partners to be capable of delivering critical marketing and
loan modification services.
One or
more of our partners or affiliates may fail to perform their marketing or loan
modification services, thereby leaving gaps in our operations that need to be
filled.  Any business interruption by an operational failure of one or
more of our partners will negatively impact our business.
We
may face government regulation that renders our business obsolete.
The
foreclosure mitigation industry is heavily regulated and either the state or
federal government could pass legislation that could materially impact our
growth and development.  Furthermore, government regulation could
render our business model obsolete.
If
we are unable to manage our intended growth, our prospects for future
profitability will be adversely affected.
We intend
to aggressively expand our marketing and sales programs. Rapid expansion may
strain our managerial, financial and other resources. If we are unable to manage
our growth, our business, operating results and financial condition could be
adversely affected. Our systems, procedures, controls and management resources
also may not be adequate to support our future operations. We will need to
continually improve our operational, financial and other internal systems to
manage our growth effectively, and any failure to do so may lead to
inefficiencies and redundancies, and result in reduced growth prospects and
profitability.
Our insurance policies may be
inadequate in a catastrophic situation and potentially expose us to
unrecoverable risks.
We will
have limited commercial insurance policies. Any significant claims against us
would have a material adverse effect on our business, financial condition and
results of operations. Insurance availability, coverage terms and pricing
continue to vary with market conditions. We endeavor to obtain appropriate
insurance coverage for insurable risks that we identify, however, we may fail to
correctly anticipate or quantify insurable risks, we may not be able to obtain
appropriate insurance coverage, and insurers may not respond as we intend to
cover insurable events that may occur. We have observed rapidly changing
conditions in the insurance markets relating to nearly all areas of traditional
corporate insurance. Such conditions have resulted in higher premium costs,
higher policy deductibles and lower coverage limits. For some risks, we may not
have or maintain insurance coverage because of cost or
availability.
Our
business and operations would suffer in the event of system
failures.
Despite
system redundancy and the implementation of security measures, our systems are
vulnerable to damages from computer viruses, unauthorized access, energy
blackouts, natural disasters, terrorism, war and telecommunication failures. Any
system failure, accident or security breach that causes interruptions in our
operations or to our customers' operations could result in a material disruption
to our business. To the extent that any disruption or security breach results in
a loss or damage to our customers' data or applications, or inappropriate
disclosure of confidential information, we may incur liability as a result. In
addition, we may incur additional costs to remedy the damages caused by these
disruptions or security breaches.
From time
to time, we install new or upgraded business management systems. To the extent
such systems fail or are not properly implemented, we may experience material
disruptions to our business, delays in our external financial reporting or
failures in our system of internal controls, that could have a material adverse
effect on our results of operations.
MANAGEMENT'S
DISCUSSION AND ANALYSIS OR PLAN OF OPERATION
This
Item 2 may contain "forward-looking statements." In some cases, you can identify
forward-looking statements by terminology such as "may," "will," "should,"
"could," "expects," "plans," "intends," "anticipates," "believes," "estimates,"
"predicts," "potential" or "continue" or the negative of such terms and other
comparable terminology. These forward-looking statements include, without
limitation, statements about our market opportunity, our strategies,
competition, expected activities and expenditures as we pursue our business
plan, and the adequacy of our available cash resources. Although we believe that
the expectations reflected in any forward-looking statements are reasonable, we
cannot guarantee future results, levels of activity, performance or
achievements. Actual results may differ materially from the predictions
discussed in these forward-looking statements. Changes in the circumstances upon
which we base our predictions and/or forward-looking statements could materially
affect our actual results. Additional factors that could materially affect these
forward-looking statements and/or predictions include, among other things: (1)
our limited operating history; (2) our ability to pay down existing debt; (3)
our ability to retain the professional advisors necessary to guide us through
our corporate restructuring; (4) the risks inherent in the investigation,
involvement and acquisition of a new business opportunity; (5) unforeseen costs
and expenses; (6) potential litigation with our shareholders, creditors and/or
former or current investors; (7) the Company's ability to comply with federal,
state and local government regulations; and (8) other factors over which we have
little or no control.
We do not
undertake any obligation to publicly update any forward-looking statement,
whether as a result of new information, future events, or otherwise, except as
required by law. Such forward-looking statements involve known and unknown
risks, uncertainties and other factors which may cause our actual results or
achievements to be materially different from any future results or achievements
expressed or implied by such forward-looking statements. Such factors include
the factors described in our interim and audited consolidated financial
statements and the Management's discussion and analysis of financial condition
and results of operations.
In
connection with, and because we desire to take advantage of, the "safe harbor"
provisions of the Private Securities Litigation Reform Act of 1995, we caution
readers regarding certain forward looking statements in the following discussion
and elsewhere in this report and in any other statement made by, or on our
behalf, whether or not in future filings with the Securities and Exchange
Commission. Forward looking statements are statements not based on historical
information and which relate to future operations, strategies, financial results
or other developments. Forward looking statements are necessarily based upon
estimates and assumptions that are inherently subject to significant business,
economic and competitive uncertainties and contingencies, many of which are
beyond our control and many of which, with respect to future business decisions,
are subject to change. These uncertainties and contingencies can affect actual
results and could cause actual results to differ materially from those expressed
in any forward looking statements made by, or on our behalf.
Overview
of Our Business
MMLN was
initially founded by a group of real estate, mortgage, financial and legal
professionals dedicated to educating and assisting homeowners in financial
distress.  Our mission is to empower homeowners with knowledge of
their foreclosure mitigation options (
e.g.
, mortgage modification,
short sale, refinance, deed in lieu, bankruptcy) through community outreach
programs so that homeowners may make more informed decisions to allow them to
remain in their homes during this economic downturn.
We assist
financially distressed homeowners who have become overburdened with debt due to
deteriorating economic conditions, eroding property values, frozen credit
markets and stagnant mortgage rates.  MMLN operates using three (3)
separate divisions, each of which offer dynamic foreclosure mitigation solutions
for distressed homeowners.  First, our affiliate program markets
specifically to real estate and mortgage professionals and provides a platform
for their customers to benefit from MMLN's foreclosure mitigation
offerings.  Second, our direct-to-lender approach involves entering
into an agreement with a servicing bank, where MMLN provides foreclosure
mitigation services as third party administrator to bank
customers.  Under this model, MMLN contacts the bank's clients on its
behalf and assists in the renegotiation of the bank's clients' existing
mortgages.  Third, our retail program employs both "grass roots" and
"technology based" efforts to reach out directly to the troubled homeowner by
helping to inform and educate them as to their various
options.  Finally, our foreign language programs are able to assist
homeowners where English is not the primary language. We have developed a
proprietary "back end" web portal operating system that allows the corporation
and its partners to view the status of each homeowner's foreclosure mitigation
solution in real time. This web portal system provides two very specific and
necessary functions. First it provides a standardized, systematic process to
provide equal handling of each individual case.  Furthermore, because
it is web based, the web portal system provides transparency to all
parties.  Currently, this portal only encompasses loan modification
progress tracking, but may be expanded to include other foreclosure mitigation
solutions in the future.
We
believe we can provide the infrastructure for major companies including search
engines and marketing portals to offer foreclosure mitigation
services.  Management believes we are one of the only companies
specifically designed to offer mortgage modification services in a wholesale
manner to known portals and major institutions.  These portals and
institutions have direct access to customers in immediate need of loan
modifications services.  Rather than compete with these companies,
MMLN provides an attractive partner for these companies to send their businesses
directly through us.  Our system is one of the only scalable systems
available for these entities that rely on scale for their profit
margin.
Revenue
Model and Growth Strategy
Our
revenue model is comprised of
a hybrid of fee for
service and revenue sharing models. With respect to our wholesale program, by
utilizing a revenue sharing model we can effectively grow our business
vertically without the steep increase of overhead.  Conversely, our
retail program employs a fee for service vehicle packaging all administrative
and legal services.  Furthermore, we are currently beta testing a new
proprietary model that could revolutionize the mortgage modification
industry.
Our main
objective will be to define the way in which mortgage modifications are
performed on a national level. Specifically, we hope to create and administer a
standardized loan modification process to handle the increasing number of
defaulting mortgages, which could provide transparency to all parties
involved.
Our
management team has more than 50 years of combined experience in real estate,
mortgage, finance industries and associated legal matters. This focus has
provided us with our initial customer base and intimate knowledge of the market.
We believe that management understands the
financial and credit
markets, and their relationship to the current and future economic cycles, give
us a strong advantage over the competition.
DESCRIPTION
OF PROPERTY
The
Company does not own any real property. The Company leases an office in Laguna
Nigel, California from an unrelated party. The office lease is $8,150.00 per
month for a 24 month term, beginning December 1, 2009.  These offices
house 21 staff.
SECURITY
OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT
As of the
date of this Report, the Company has 16,845,000 shares of common stock
outstanding. The following table sets forth certain information regarding the
beneficial ownership of our outstanding shares as of the date of this Report by
(i) each person who is known by us to own beneficially more than 5% of our
outstanding shares of common stock, (ii) each of our executive officers and
directors, and (iii) all of our executive officers and directors as a
group.
Title
      of Class:
Name
      and Address of Beneficial Holder:
Amount
      and Nature of Beneficial Ownership:
Percent
      of Class:
Common,
      $0.001 par value
Ryan
      Boyajian
(1)
,
      27382 Via Priorato, San Juan Capistrano, CA 92675
1,816,000
10.78
%
Common,
      $0.001 par value
Chris
      A. and Kirsten A. Chudacoff
(2)
1998 Revocable Living Trust Dated September 28, 2008, 28391 Calle Mira
      Monte, San Juan Capistrano, CA 92675
1,816,000
10.78
%
Common,
      $0.001 par value
Andrea
      Downs
(3)
, 40 Cambridge Court, Coto de Caza, CA 92679
1,816,000
10.78
%
Common,
      $0.001 par value
Equine
      Trust Dated January 23, 2009
(4)
,
      91 Mays Landing Rd, Somers Point, NJ 08244
1,816,000
10.78
%
Common,
      $0.001  par value
Ken
      Glowacki, 27342 Via Priorato, San Juan Capistrano, CA
92675
854,500
5.07
%
Common,
      $0.001 par value
Michael
      McCarthy
(5)
,
      27592 Silvercreek, San Juan Capistrano, CA 92675
30,000
0.18
%
Common,
      $0.001 par value
Daniel
      Pierce Sparks and Michele Lee Sparks Revocable Trust Dated September 15,
      2006, 27662 Pinestrap Circle, Laguna Hills, CA 92653
1,816,000
10.78
%
Total
      Held by Officers and Directors:
7,294,000
43.30
%
Total
      Held by Officers, Directors and Certain Beneficial Owners:
9,964,500
59.15
%
(1)
Ryan
      Boyajian is the Company's President, Secretary and
  Director
(2)
Kristen
      A. Chudacoff is the Company's
Director
(3)
Andrea
      Downs is the Company's Director
(4)
Andrew
      Kardish, III is the Chairman and Director and the end beneficiary of the
      trust
(5)
Michael
      McCarthy is the Company's Chief Executive Officer and
    Director
DIRECTORS
AND EXECUTIVE OFFICERS, PROMOTERS AND CONTROL PERSONS
Neither
the Company, its property, nor any of its directors or officers is a party to
any pending legal proceeding, nor have they been subject to a bankruptcy
petition filed against them. None of its officers or directors has been
convicted in, nor is subject to, any criminal proceeding.
The names
and ages of the directors and executive officers of the Company and their
positions with the Company are as follows:
Name
Age
Position
Michael
      McCarthy
48
Chief
      Executive Officer, Director
Andrew
      V. Kardish III
47
Chairman,
      Director
Ryan
      Boyajian
32
President,
      Secretary, Director
Andrea
      Downs
43
Chief
      Development Officer, Director
Kristen
      Varia Chudacoff
42
Director
Michael
McCarthy, Chief Executive Officer, Director
Mike
McCarthy, 48, is a senior executive with expertise in consumer direct sales,
strategic business development, management acumen, sales and marketing
development, operational and sales integrations, budget management and cost save
platforms. Most recently at Countrywide Financial, Mr. McCarthy was Managing
Director of New Customer Acquisition "NCA." Under his leadership the group was
responsible for sales generated from media advertising.   He oversaw
the rapid growth of NCA while posting the highest sales & productivity
metrics in its business unit.  During his tenure as General Manager of
ditech.com, the brand became one of the most recognized in America. Over a six
year period from 2000 through 2006 ditech.com generated in excess of $75 Billion
in funded mortgages, making it one of the most profitable divisions of the GMAC
family. Mr. McCarthy has also played an instrumental role in creating a
multi-brand mortgage company through the development of a variety of regional
offerings. Prior to his tenure at ditech.com, Mr. McCarthy served GM in several
capacities including senior vice president of the GM Family Division of GMAC
Mortgage. Mr. McCarthy is a member of the Board of Directors of the Orangewood
Children's Foundation, a non-profit group that works to eliminate child abuse
and neglect in Orange County, California.  Orangewood Children's Home
supports children in foster care and at the Orangewood Children's, transitioning
foster teens into independent adulthood and increasing public awareness of child
abuse and neglect.Mr. McCarthy earned his Masters Degree from Central Michigan
University, and his Bachelor of Science in Marketing from Oakland University in
Rochester, MI. He resides in San Juan Capistrano, California with his wife Kim
and three children, Morgan, Mallory and Mac.
Andrew
V. Kardish III, Chairman, Director
Andrew V
Kardish III, 47, is the company's Chairman and Director.  Mr. Kardish
is the President of Kardish Wealth Management an independent financial services
firm offering personalized Wealth Management solutions. Prior to forming his own
firm Mr. Kardish started in the Financial Services industry in 1987 with Dean
Witter Reynolds. From there here worked for Merrill Lynch, Morgan Stanley as
well as UBS where he served as First Vice-President and Training Manager. Andrew
has been involved in numerous venture projects that span the medical device,
communications and real estate development industries.  Mr. Kardish
also serves as Chairman of the Board of Directors of Skytech Communications, a
wireless communications corporation.  Mr. Kardish holds a Bachelors
Degree and Masters Degree in Business Administration from Columbia State
University (Cum Laude).
Ryan Boyajian
,
President and Secretary,
Director
Mr.
Boyajian, 32, serves as the company President and is also one of the company's
founders. Mr. Boyajian is in charge of all Business Development aspects of the
business.  He has brought significant high level customers who joined
MMLN as Affiliates through his Professional business relationships that he
garnered over the past 15 years in the Mortgage Business.  Prior to
joining MMLN, Mr. Boyajian was a partner in a mortgage brokerage firm for the
past 4 years.  He has placed in the top 50 of Mortgage Originators
nationwide since 2002 (Mortgage Originator Magazine).  Mr. Boyajian
earned his Bachelor of Science degree in Accounting from Fresno State and is
married with 2 children.  He is also a proud member of National
Association of Mortgage Brokers and California Association of Mortgage
Brokers.
Andrea
Downs, Chief Development Officer, Director
Ms.
Downs, 43, serves as MMLN's Chief Development Officer and is responsible for all
Business Development and Marketing for the company. Prior to joining MMLN, Ms.
Downs built a start-up media business in 1992. As Founder and President of
Shorecliff Communications, Inc, Ms. Downs created and executed industry
tradeshows, business to- business conferences and leading publications
throughout the United States, Europe, and Latin America. Ms. Downs and
Shorecliff Communications worked closely with leading investment research and
analysts to keeping ahead of financial markets and trends.  Shorecliff
Communications, Inc. produces large scale events and media properties for the
Wireless Communications, Electronic Identification, Television, Telephony, and
Multiplayer Gaming industries. Events produced by Shorecliff focus on finance,
investment, and business-to business networking. Ms. Downs took Shorecliff
Communications from a start-up business to an international enterprise with
multi million dollars in annual revenue. Currently, Ms. Downs advises media,
wireless, and IT companies and associations in the Wireless and Finance and
Investment industries.  Simultaneously serves on the Board of
Directors for Real Estate holding and development companies in Orange County
including Orange County Equestrian Centers, Inc. (OCEC), Media 206,
Technologent, ClearTalk Communications and Downs Holdings, Inc.
Kristen
Varia Chudacoff, Director
Ms.
Chudacoff, 42, has been in the wholesale lending mortgage industry spanning
almost 20 years.  She has worked in all facets of residential lending,
including broker relationships, operational management, loan underwriting and
much more.  Ms. Chudacoff has achieved top sales success, historically
producing in the top 10% of the country.  She has established multiple
sales and operational systems to improve the overall operational flow of her
business transactions.  She is consistently working on establishing
visionary approaches to all facets of her mortgage lending career.
Wayne
D. Angell, Advisor
From
February 7, 1986 to February 9, 1994, Mr. Angell served as a member of the Board
of Governors at the Federal Reserve. He served as Chair of the Board's Committee
on Federal Reserve Bank Activities and as Chair of the G-10 Committee on Payment
and Settlement Systems, Basle, Switzerland.
Mr.
Angell was born June 28, 1930, in liberal Kansas. He received a B.A. from Ottawa
University in Ottawa, Kansas in 1952, and an M.A. in 1953 from the University of
Kansas. After completing his coursework for a Ph.D., he began a two-year period
as a full-time Instructor in Economics at the University of Kansas, in 1954. In
1957, Mr. Angell completed his dissertation, The History of Commercial Banking
in Kansas, 1854-1954, to fulfill the final requirement for a Ph.D. in
economics.
In 1956,
Mr. Angell began an extended career at Ottawa University as an Assistant
Professor of Economics. He was promoted to full professor in 1959. He served as
Department Chairman, Division Chairman and, from 1969 to 1972, as Dean of the
College. After a three month sabbatical trip to study economic development in
India, Nepal, Burma, Thailand, Philippines, Hong Kong, and Japan, he returned to
classroom teaching from 1975 to 1985. He continued to broaden his economic
interests by completing two terms as a Director of the Federal Reserve Bank of
Kansas City, and by two more around the world study visas to South East Asia,
with focus on India, China, and Malaysia. Also, he added new direct business
experience as a Bank officer and director, as well as consulting with banks and
thrifts in Missouri, Kansas, and Colorado. During this period, Mr. Angell
concentrated his attention on the increasingly complex task of managing interest
rate and prepayment risk. He had a significant responsibility for the
development of a dynamic hedging strategy and evaluating alternate strategies
such as interest rate and prepayment forecasting.
Three
years after beginning his professional career at Ottawa University, Mr. Angell
became a candidate for the Kansas State House of Representatives. He won a
closely contested race in the Republican primary while declining to accept
contributions to escape the law limiting campaign expenditures to $150 per
election. He then won the general election in November 1960. He secured a
coveted seat on the appropriation's committee as a freshman legislator and one
year later became a subcommittee chair. He was reelected in 1962 and 1964,
chaired the Water Resources Committee and the Economic Development Committee
while continuing his appropriations committee assignments. He was an active
Republican serving as precinct committeeman, as a member of the state Republican
platform committee, as Vice-Chairman of the Kansas State Republican Legislative
Campaign Committee and as Chairman of the 1964 Kansas 3rd Congressional District
Republican Convention.
Mr.
Angell is the recipient of numerous honors and awards including Phi Beta Kappa
from the University of Kansas in 1953, Who's Who in America, honorary Doctor of
Humane Letters from Ottawa University in 1992, Distinguished Kansan of the Year
of the Native Sons and Daughters in 1987, and Distinguished Service Award from
the Alumni Association of Ottawa University in 1980.
All
directors hold office until the next annual meeting of stockholders and the
election and qualification of their successors. Officers are elected annually by
the Board of Directors and serve at the discretion of the Board. There are no
family relationships among the directors and officers of the
Company.
We intend
to establish an Audit Committee and a Compensation Committee of the Board of
Directors, each of which will be comprised of independent
directors.
Employment
Agreements and Compensation
We
currently do not have formal employment or consulting agreements with our
executive officers or directors, except for Wayne Angell (our Advisory Board
chair) pursuant to which Mr. Angell receives $10,000 per quarter for his
services.  All officers serve on an at-will basis.  Of the
directors and officers, only the Chief Executive Officer receives a salary
($9,000 per month).
Equity
Incentive Plan
As of the
date of this Report, the Company has not entered into any Equity Incentive
Plans, but intends to do so in the future.
Audit
Committee Financial Expert
The
Company does not have an audit committee financial expert.
Compliance
with Section 16(a) of the Exchange Act
Section
16(a) of the Exchange Act requires the Company's officers, directors and persons
who beneficially own more than 10% of the Company's common stock to file reports
of ownership and changes in ownership with the SEC. These reporting persons also
are required to furnish the Company with copies of all Section 16(a) forms they
file. To the Company's knowledge, no officers, directors and persons who
beneficially own more than 10% of the Company's common stock have failed to file
the reports required pursuant to Section 16(a).
Code
of Ethics
The
Company has not adopted a Code of Ethics, but plans to do so in the
future.
EXECUTIVE
COMPENSATION
SUMMARY
COMPENSATION TABLE
Name
      and principal position
Year
Salary
Bonus
Stock
      Awards
Option
      Awards
Nonequity
      incentive plan compensation
Nonqualified
      deferred compensation earnings
All
      other compensation
Total:
Michael
      McCarthy, CEO
1
$
108,000
$
tbd
$
30,000
      shares
$
tbd
$
tbd
      (performance based)
$
n/a
$
n/a
$
tbd
GRANTS OF
PLAN BASED AWARDS.
No grants
of plan based awards were granted during the 2008 fiscal year.
OUTSTANDING
EQUITY AWARDS AT FISCAL YEAR-END
The
Company has not granted any equity awards.
OPTION
EXERCISES AND STOCK VESTED TABLE
The
Company has not granted options or other equity awards.
PENSION
BENEFITS TABLE
The
Company did not offer a pension plan during fiscal year 2008.
NONQUALIFIED
DEFERRED COMPENSATION TABLE
The
Company did not offer any non-qualified deferred compensation plans during
fiscal year 2008.
DIRECTOR
COMPENSATION DISCLOSURE
Except
for Wayne Angell's Advisory board consulting agreement, the Company did not
enter into director compensation arrangements during the fiscal year
2008.
CERTAIN
RELATIONSHIPS AND RELATED TRANSACTIONS AND DIRECTOR INDEPENDENCE
Certain
Relationships and Related Transactions
Andrew
Kardish,III, Chairman of the Board, lent the Company $150,000 in 2008, all but
$50,000 of which was repaid with interest by early 2009.  The loans
were evidenced by promissory notes.
Director
Independence
Our
securities trade on the Over-the-Counter Bulletin Board System and our Board of
Directors is not subject to any independence requirements.
DESCRIPTION
OF SECURITIES
As of
March 24, 2009, the Company had 16,845,000 shares of common issued and
outstanding. The Company has approximately 61 shareholders.
The
Company has fifty million (50,000,000) shares of common stock, at $0.001 par
value, authorized and there are ten million (10,000,000) shares of preferred
stock, at $0.001 par value, authorized.
PART
II
MARKET
PRICE OF AND DIVIDENDS ON THE REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER
MATTERS
As of
­­­­March, 24, 2009, the Company had 16,845,000 shares of common
stock issued and outstanding and had approximately 61 stockholders of
record.
The
Company's common stock is not traded on a registered securities exchange, or the
NASDAQ. The Company's common stock is quoted on the National Association of
Securities Dealers OTC Bulletin Board. The Company's common stock was eligible
for trading as of March 11, 2008.  However, the Company's common stock
has never traded.
On March
23, 2009 the closing price was $0.00 per share.
We have
never declared or paid cash dividends to our stockholders. We currently intend
to retain all available funds and any future earnings for use in the operation
of our business and we do not anticipate declaring or paying cash dividends for
the foreseeable future.
There are
no securities authorized for issuance under any equity compensation
plans.
LEGAL
PROCEEDINGS
The
Company is not involved in any pending or threatened legal
proceedings.
CHANGES
IN AND DISAGREEMENTS WITH ACCOUNTANTS
The
Company has not changed its accountants.
The
Company has had no disagreements with its accountants on accounting and
financial disclosure.
Dividends-Common
Shares
The
Company has never paid cash dividends on its Common Stock and does not intend to
do so in the foreseeable future.
INDEMNIFICATION
OF DIRECTORS AND OFFICERS
The
Company's Articles of Incorporation provide that the Company shall indemnify to
the fullest extent permitted by the Nevada Corporate Code any person who is
made, or threatened to be made, a party to any action, suit or proceeding,
whether civil, criminal, administrative, investigative, or otherwise (including
an action, suit or proceeding by or in the right of the corporation) by reason
of the fact that the person is or was a director or officer of the corporation
or a fiduciary within the meaning of the Employee Retirement Income Security Act
of 1974 with respect to any employee benefit plan of the corporation, or serves
or served at the request of the corporation as a director or officer, or as a
fiduciary of an employee benefit plan, of another corporation, partnership,
joint venture, trust or other enterprise. The right to and amount of
indemnification shall be determined in accordance with the provisions of the
Nevada Corporate Code in effect at the time of the determination.
Our
bylaws generally require that we advance to our directors and officers expenses
incurred by them in defending a proceeding in advance of its final disposition,
provided that the director or officer agrees to reimburse us for such advances
if it is ultimately found that the director or officer is not entitled to
indemnification. In addition, our bylaws permit us to purchase insurance on
behalf of our directors and officers against any liability asserted against them
in such capacity. We intend to obtain such insurance.
Insofar
as indemnification for liabilities arising under the Securities Act may be
permitted to our directors, officers and controlling persons pursuant to the
foregoing provisions or otherwise, we have been advised that in the opinion of
the Securities and Exchange Commission such indemnification is against public
policy as expressed in the Securities Act and is, therefore, unenforceable. In
the event that a claim for indemnification against such liabilities (other than
the payment by us of expenses incurred or paid by a director, officer or
controlling person of us in the successful defense of any action, suit or
proceeding) is asserted by such director, officer or controlling person in
connection with the securities being registered, we will, unless in the opinion
of our counsel the matter has been settled by controlling precedent, submit to a
court of appropriate jurisdiction the question whether such indemnification by
it is against public policy as expressed in the Securities Act and will be
governed by the final adjudication of such issue.
Item
3.02
              
Unregistered Sales of Equity Securities
As of,
March 23, 2009 and in accordance with the terms of the Share Exchange Agreement,
ten million (10,000,000) shares of stock shall be issued to the security holders
of MMLN in exchange for 100% for all of the issued and outstanding shares of
MMLN common stock ("MMLN Shares") from the MMLN Security Holders.  All
GWRC common stock to be issued to the MMLN Security Holders shall be exempt from
the registration requirements of the Securities Act of 1933, as amended (the
"Securities Act"), pursuant to Section 4(2) and/or Regulation D of the
Securities Act and rules and regulations promulgated thereunder.
Item
5.01
              
Changes in Control of Registrant
In
connection with the closing of the Share Exchange Agreement described in Item
2.01, the Registrant issued an aggregate of 10,000,000 shares of its common
stock which resulted in a change of control with respect to its stock ownership.
Please see "Directors and Executive Officer, Promoters and Control Persons" and
"Security Ownership of Certain Beneficial Owners and Management" sections in
Item 2.01 above, which set forth the Company's new principal stockholders and
its newly elected officers as required under this Item 5.01.
Item 5.02
Departure of Directors or
Principal Officers
On
March 23, 2009, James L. Vandeberg resigned as our Chief Executive Officer,
Chief Financial Officer, (sole officer) and Director effective immediately.
Mr. Vandeberg resigned pursuant to the Share Exchange Agreement
described in Item 2.01 and not pursuant to any disagreement on any matter
relating to the Company's operations, policies or practices, nor regarding the
general direction of the Company.
On March
23, 2009, Michael McCarthy was appointed as the Chief Executive Officer,
Director, effective immediately. Mr. McCarthy shall serve as officer until the
earlier of (i) his resignation, (ii) election of his successor or (iii) his
termination.
Mike
McCarthy, 48, has been the Chief Executive Officer, Director of MMLN since
March2, 2009, and is a senior executive with expertise in consumer direct sales,
strategic business development, management acumen, sales and marketing
development, operational and sales integrations, budget management and cost save
platforms. Most recently at Countrywide Financial, Mr. McCarthy was Managing
Director of New Customer Acquisition "NCA.". Under his leadership the group was
responsible for sales generated from media advertising.   He oversaw
the rapid growth of NCA while posting the highest sales & productivity
metrics in its business unit.  During his tenure as General Manager of
ditech.com, the brand became one of the most recognized in America. Over a six
year period from 2000 thru 2006 ditech.com generated in excess of $75 Billion in
funded mortgages, making it one of the most profitable divisions of the GMAC
family. Mr. McCarthy has also played an instrumental role in creating a
multi-brand mortgage company through the development of a variety of regional
offerings. Prior to his tenure at ditech.com, Mr. McCarthy served GM in several
capacities including senior vice president of the GM Family Division of GMAC
Mortgage. Mr. McCarthy is a member of the Board of Directors of the Orangewood
Children's Foundation, a non-profit group that works to eliminate child abuse
and neglect in Orange County, California.  Orangewood Children's Home
supports children in foster care and at the Orangewood Children's, transitioning
foster teens into independent adulthood and increasing public awareness of child
abuse and neglect. Mr. McCarthy earned his Masters Degree from Central Michigan
University, and his Bachelor of Science in Marketing from Oakland University in
Rochester, MI. He resides in San Juan Capistrano, California with his wife Kim
and three children, Morgan, Mallory and Mac.
Mr.
McCarthy is not related to any officer, director or affiliate of the Company.
Mr. McCarthy is not a party to any pending legal proceeding, nor has he been
subject to a bankruptcy petition filed against him, nor been convicted in, or
subject to, any criminal proceeding.
On March
23, 2009, Andrew V. Kardish III was appointed as the Chairman, Director,
effective immediately.  Mr. Kardish shall serve as officer until the
earlier of (i) his resignation, (ii) election of his successor or (iii) his
termination.
Andrew V
Kardish III, 47, has been the Chairman of MMLN since September 8, 2008 and
Director since September 8, 2008.  Mr. Kardish is the President of
Kardish Wealth Management an independent financial services firm offering
personalized Wealth Management solutions. Prior to forming his own firm Mr.
Kardish started in the Financial Services industry in 1987 with Dean Witter
Reynolds. From there here worked for Merrill Lynch, Morgan Stanley as well as
UBS where he served as First Vice-President and Training Manager. Andrew has
been involved in numerous venture projects that span the medical device,
communications and real estate development industries.  Mr. Kardish
also serves as Chairman of the Board of Directors of Skytech Communications, a
wireless communications corporation.  Mr. Kardish holds a Bachelors
Degree and Masters Degree in Business Administration from Columbia State
University (Cum Laude).
Mr.
Kardish is not related to any officer, director or affiliate of the Company. Mr.
Kardish is not a party to any pending legal proceeding, nor has he been subject
to a bankruptcy petition filed against him, nor been convicted in, or subject
to, any criminal proceeding.
On March
23, 2009, Ryan Boyajian was appointed the President and Secretary, Director,
effective immediately.  Mr. Boyajian shall serve as officer until the
earlier of (i) his resignation, (ii) election of his successor or (iii) his
termination.
Mr.
Boyajian, 32 has been the President of MMLN since October 29, 2008, Secretary
since February 12, 2009 and Director since September 8, 2008.  Mr.
Kardish is also one of the company's founders. Mr. Boyajian is in charge of all
Business Development aspects of the business.  He has brought
significant high level customers who joined MMLN as Affiliates through his
Professional business relationships that he garnered over the past 15 years in
the Mortgage Business.  Prior to joining MMLN, Mr. Boyajian was a
partner in a mortgage brokerage firm for the past 4 years.  He has
placed in the top 50 of Mortgage Originators nationwide since 2002 (Mortgage
Originator Magazine).  Mr. Boyajian earned his Bachelor of Science
degree in Accounting from Fresno State and is married with 2
children.  He is also a proud member of National Association of
Mortgage Brokers and California Association of Mortgage Brokers.
Mr.
Boyajian is not related to any officer, director or affiliate of the Company.
Mr. Boyajian is not a party to any pending legal proceeding, nor has he been
subject to a bankruptcy petition filed against him, nor been convicted in, or
subject to, any criminal proceeding.
On March
23, 2009, Andrea Downs was appointed the Chief Development Officer, Director,
effective immediately.  Ms. Downs shall serve as officer until the
earlier of (i) her resignation, (ii) election of her successor or (iii) her
termination.
Ms.
Downs, 43 has been Chief Development Officer and Director of MMLN since November
25, 2008 and is responsible for all Business Development and Marketing for the
company. Prior to joining MMLN, Ms. Downs built a start-up media business in
1992. As Founder and President of Shorecliff Communications, Inc, Ms. Downs
created and executed industry tradeshows, business to- business conferences and
leading publications throughout the United States, Europe, and Latin America.
Ms. Downs and Shorecliff Communications worked closely with leading investment
research and analysts to keeping ahead of financial markets and
trends.  Shorecliff Communications, Inc. produces large scale events
and media properties for the Wireless Communications, Electronic Identification,
Television, Telephony, and Multiplayer Gaming industries. Events produced by
Shorecliff focus on finance, investment, and business-to business networking.
Ms. Downs took Shorecliff Communications from a start-up business to an
international enterprise with multi million dollars in annual revenue.
Currently, Ms. Downs advises media, wireless, and IT companies and associations
in the Wireless and Finance and Investment industries.  Simultaneously
serves on the Board of Directors for Real Estate holding and development
companies in Orange County including Orange County Equestrian Centers, Inc.
(OCEC), Media 206, Technologent, ClearTalk Communications and Downs Holdings,
Inc.
Ms. Downs
is not related to any officer, director or affiliate of the Company. Ms. Downs
is not a party to any pending legal proceeding, nor has she been subject to a
bankruptcy petition filed against her, nor been convicted in, or subject to, any
criminal proceeding.
On March
23, 2009, Kristen Varia Chudacoff was appointed Director, effective
immediately.  Ms. Chudacoff shall serve as officer until the earlier
of (i) her resignation, (ii) election of her successor or (iii) her
termination.
Ms.
Chudacoff, 42 has been a Director for MMLN since February 12, 2009 and has been
in the wholesale lending mortgage industry spanning almost 20 years.  She
has worked in all facets of residential lending, including broker relationships,
operational management, loan underwriting and much more.  Ms. Chudacoff has
achieved top sales success, historically producing in the top 10% of the
country.  She has established multiple sales and operational systems to
improve the overall operational flow of her business transactions.  She is
consistently working on establishing visionary approaches to all facets of her
mortgage lending career.
Ms.
Chudacoff is not related to any officer, director or affiliate of the Company.
Ms. Chudacoff is not a party to any pending legal proceeding, nor has she been
subject to a bankruptcy petition filed against her, nor been convicted in, or
subject to, any criminal proceeding.
Item
9.01
              
Financial Statements and Exhibits
Please
see the Exhibit Index immediately following the signature page.
SIGNATURES
Pursuant
to the requirements of the Securities Exchange Act of 1934, the Registrant has
duly caused this report to be signed on its behalf by the undersigned hereunto
duly authorized.
Dated:
      March 24, 2009
GLOBAL
      WEST RESOURCES, INC.
By:
/s/
      Michael McCarthy
[Missing Graphic Reference]
Michael
      McCarthy
Chief
      Executive Officer
EXHIBIT
INDEX
Exhibit
      No.
Description
10.1
Share
      Exchange Agreement
99.1
Financial
      Statements of Business Acquired.
99.2
Financial
      Statements of Global West Resources, Inc.
(1)
(1)
Filed
with the SEC on Form 10Q during the second fiscal quarter ended on January 31,
2009, filed on March 16, 2009.