Professional Recertification Marketing, inc (PRMi) was formed to provide online Continuing Education for Mortgage Loan Officers to meet their certification requirements prior to Broker and Lender license renewal in Maryland.

      This particular e-commerce directed marketing company produces one product - access to on-line purchase of downloadable continuing education, "programmed instruction", over the Internet by pointing customers to those sites offering its course work for profession licenses through a mix of traditional advertising and new media.

      A need existed for I-Training packages to raise the bar on credentials in the mortgage lending industry. In 2001, Maryland implemented a requirement for covered employees of Mortgage Lenders and Brokers to complete 20 hours of continuing education prior to bi-annual license renewal.

      This market represents close to 33,000 applicants in Maryland alone. Seven other states have a similar requirement and 35 states are looking into it through the American Association of Residential Mortgage Regulators. On average it is expected that each state has more than 7,000 applicants who will need to review Federal and State rules, procedures and government programs available to mortgage lenders.

      Use of programmed instruction takes applicants through  required updates and basic doctrine to assure their familiarity with federal and state compliance.

      Beta testing was completed in third quarter 2003 and sales achieved projected goals. Program acceptance far exceeded our expectations.  Our initial thoughts were "its too easy".  Those who took the course thought it was right on target and several thought it too difficult.  On average, comments implied it took them out of their "box" and they learned more than they ever would've throught other sources.

      Competition to our programmed learning is limited. Currently, Corporate brokerages and lenders must either send their covered employees to on-site or off-site classes where the only requirement is to attend 20 hours of instruction. It is certified that they attend by the individual contractors with no pass or fail requirement. Our largest competitor uses books or downloaded materials and a simple test to certify covered employees. When the student compltes the test, they fax or mail it in and a certificate is mailed back.

     We offer a Virtual Library of reference materials online, bookmarked to each question.  We collect fees online, register them and gather enough information to offer credentials, and issue a certificate online immediately after completion of  training.

      Professional Recertification Marketing, Inc.’s program  takes applicants through the material and allows them to progress to certification upon demonstration that they have read and are knowledgeable about their professional requirements, ethics and regulation updates. It allows them to complete the entire requirement through one source at their convenience and requires very little coordination for the Brokerage to recertify its covered employees. There are no delays due to "snail mail" and no hunting for reference materials because each of the areas of instruction are keyed to appropriate government regulations, documents, and agency websites.

     To be completely candid, our program allows the customer (individual, broker, bank, or corporation) control over his employees’ recertification without the need for complex scheduling and accounting procedures. We accept credit cards through PayPal.com for each "applicant" prior to their taking the training, issue a receipt for the expense, and upon completion issue a certification and have the ability to forward that information to State records for accumulation prior to license renewal every two years.

      Growth and use of  Internet technology as a marketing channel has been increasing at an exponential rate. It is estimated that over 320 million web sites exist and it grows by 50,000 new Internet users per day worldwide. The number of personal computers in U.S. households alone is expected to double from 20 to 40 million in the next three years. This trend has been brought on, in part, by the ever-increasing power and capacity of hardware, the rapid reduction in price for complete computer systems, and capability to access the Internet in cost-effective ways.

      Both an email program and fax program have been used each of three months to generate sales. Our courses include:

20 hours CE includes three modules...

12 hours CE including – module one

Federal Law Update (2-CE hours)

State Law Update (2-CE hours)

Ethics (2-CE hours)

RESPA (2-CE hours)

Truth in Lending (2-CE hours)

Federal Equal Credit Opportunity Act (2-CE hours)

4 hours Elective -- module two

Assessing personal Ethical Standards (4-CE hours)

4 hours Elective -- module three

20 Hours CE Requirement –

Gene’s 34 years as an Army Reserve officer concurrent with his civilian marketing career, took him to more than 25 countries as commander of troops and top level strategy advisor at the Pentagon. He developed and implemented Public Relations policy for one of the greatest public service campaigns undertaken in this country to change public perceptions of the U.S. Military after the Viet Nam war. Valued at over $3 million dollars in recruiting advertising for the Reserve Forces.

Gene has more than 35 years in traditional marketing with Business-to-Business, consumer and retail advertising and five years in Internet marketing of downloadable software and information. He has several web sites generating cash flow and one that can accept currencies from over 130 countries.

Corporate life for Gene was at The Bendix Corporation as a regional PR and marketing executive for 12 Divisions and Subsidiaries in the high-tech arena including the U.S. Space program. His press relations and layman techno-ez explained and garnered support for NASA programs Apollo 11 through Skylab III to include voyager and Magellan.

At Automatic Sprinkler Corporation he managed a friendly merger between its science division and Omnilab, manufacturer of random access hardware.

His worldwide advertising and PR experience enhances his B2B and consumer marketing techniques. Stints at Ad agencies, McCann-Erickson, J.W.T., Grey, Ketchum PR, and W.B. Doner and Company, refined his presentations and creative skills.

Gene is a graduate of the University of Wisconsin and the Army’s Command & General Staff College.

Dan is one of the original co-founders of Professional Recertification Marketing, Inc. He is currently an office manager with AMCE Financial Services in Largo, Maryland. Before that he was loan officer with Allstate Lending for three years. Prior to his tint at Allstate, Dan was loan officer at Washington Mortgage in College Park, Maryland. He worked for Polar Products, Koolvent Aluminum Products and Solid Brass in Annapolis for several years. He worked for RKO Radio in New York City for three years and began with ABC, in New York City, acting as a Radio Advance Salesperson. Dan graduated with a BS in Mathematics from Tennessee State at Nashville in 1970.

Tabitha is presently the President of Empowerment Technology, which was founded in October of 1999. Empowerment Technology is a premiere IT services provider of comprehensive technical solutions targeted for federal government, state governments, and private organizations. Empowerment Technology has more than 15 years of ecperience in information technology. ET’s core mission is to encompass technical innovation and management business solutions.

Clarence primary business is archiving data for government and private sector organizations as well as hosting highly secure websites to include design and programming .

Jibrie is an upcoming web designer who has telemarketing experience for Acme Financial Services and a great desire to contribute to the design and implementation of the e-Training project. He has limited experience in both the consumer credit business and Internet development. His enthusiasm and interest in expanding his capabilities will enhance our project by the questions and concerns he will present. He will give us not only programming effectiveness, but also a fresh curriculum that will offer new candidates and seasoned candidates alike an enlightening and challenging learning experience. He is a recent graduate of Wild Lake High School in Columbia and is currently enrolled in college in Pittsburgh, PA to fine tune his business and computer skills.

Mr. Trexler is currently the President of the Corporate Finance Institute, Inc. The institute specializes in pre-IPO companies. He is the author of the book "Raising Capital through SCOR."

From 1982 to 1992, he served as the Chief Financial Officer and Director of Insituform East, Inc., a NASDAQ traded Company. From 1974 to 1982, Mr. Trexler was a partner of Oehmann & Company, CPAs. Mr. Trexler holds an MBA from the University of Maryland, a BA in Economics from the State University of New York at Oswego (cum laude) and a BA in Accounting from Benjamin Franklin University (cum laude).