Dear MORvision Customer,

Over the last year, since the acquisition of Dynatek, ISGN Corporation has been diligently working to provide strategic enhancements to our suite of end-to-end mortgage products. Even though the marketplace continues to show volatility, ISGN is making every effort to provide a path and strategy that will streamline business processes while reducing costs. While many software application providers are in a survival mode, ISGN is moving forward with our technology plans as we feel this is the time to invest in technology for the future.

The market will surely experience change in the coming year and we must prepare now to meet demands. Leading the MORvision team out of Livonia, Michigan is Jason Cohen, Senior Director, Product Operations. They have put together a broad vision and aggressive development plans for the MORvision product that we would like to share with you.

	6.13, 6.13a, and 6.13b which included additional password security, barcode scaling parameter and FHA MIP, FHA maximum mortgage, HMDA, and 1098 changes.
	6.13c, contains the new Freddie Mac LoanProspector.com Browser 4.2 and Freddie Mac S2S v4.2 Plug-Ins, the new MISMO AUS 2.4 import/export file format, an updated SampleSection32.bas macro, as well as, resolves several reported issues.
Other exciting new product developments you will see include:
	Service Pack 6.14, scheduled for release in Q2, will include many enhancements to the Forms Module, expansion of question numbers so more questions can be added to the core system, and Mortgage Insurance updates.
	Service Pack 6.15, scheduled for release early Q3, will include 1098 updates, RESPA/Reg Z updates, and many more enhancements requested by MORvision customers.
	Service Pack 6.16, scheduled for release at the end of Q4, and includes updates to Underwriting Module, refinance loan-related modifications and corrections and many other usability enhancements.

But that’s not all we have planned. As your partner, we are also committed to the on-going research and development of a new state of the art LOS product that will be web-based, or hosted if you prefer, on a .Net platform. It will provide a complete end-to-end solution incorporating enhanced POS decisioning, a modular product & pricing engine, and customizable workflow. This new product is expected to be completed and production ready in 2010.

We would like for you to know that our customers are our most valued asset, and we will work hard to meet and exceed your expectations. We realize loan originations are down and you must find ways to reduce costs to weather the storm. We at ISGN would like to discuss opportunities that your company can take advantage of today that result in real money on your bottom line and reduce risk to your operation. Over the past year, many lenders have taken advantage of these offerings, and they have produced money saving results.

Through strategic acquisitions, ISGN has positioned itself to be a comprehensive end-to-end technology and service solutions partner for our clients as opposed to simply providing technology. You may not be aware of our complete menu of services, but by utilizing the following ISGN’s suite of services, our clients can directly reduce current technology costs or utilize additional technical solutions at reduced costs: Fulfillment Services, Title Services, Temporary Staffing. Please contact Page Caldwell at 770-810-8541 or page.caldwell@isgn.com to discuss our other products should you have a need to reduce costs and streamline processes in other parts of your business.

Best regards,

Reggie Swiney
President Mortgage Products Group