InterContinental Capital Continues Rapid Growth by Outsourcing Closing and Post-Closing to Guardian Mortgage Services.

LAKEWOOD, Colo. -- Fast-Growing Retail Mortgage Banker Focuses on Technology to Compete with Large Institutions, Looks to Hire More Than 200 Mortgage Professionals Immediately

Guardian Mortgage Services (GMS) is now managing document preparation, closing coordination and post-closing for InterContinental Capital Group, Inc. GMS, a division of Guardian Mortgage Documents (GMD), provides customized outsource solutions to lenders of all sizes and serves as a variable cost alternative to managing back-office operations internally.

InterContinental Capital, a retail mortgage bank operating in 10 states, has experienced 400 percent growth in origination volume in the past year. In addition to its existing five branch locations, the bank plans to open retail centers in Long Island, New Jersey, Florida and Southern California by the end of Q3 2006. In order to staff these locations, InterContinental Capital is in the process of hiring more than 200 mortgage professionals nationwide in all areas of operations. Bank executives attribute their focus on technology as key to the rapid growth.

"There are so many changes happening in the mortgage industry today, including offshoring, consolidation and downsizing - having technology as the foundation of the business is imperative to any lender's survival over the next five years," said John Skrinar, president and COO of InterContinental Capital. "All of our business partners, including Guardian Mortgage Services, have demonstrated a sound and fundamental use of technology in their business lines. We focus on incorporating new technologies every day in order to increase efficiency and profitability. Unlike some of the other players in the mortgage industry, we are ramping up business and heavily recruiting new employees, and our ability to implement new technology and best practices has made this possible."

According to InterContinental Capital executives, the bank chose GMS for multiple reasons, including: GMS exceeds the stringent technology requirements the bank has for all business partners; their outsourcing solution's flexibility facilitates rapid growth while providing a variable cost structure; and industry expert and consultant David Lykken of Mortgage Banking Services Direct (MBSD Group) recommended the GMS outsource solution.

GMS uses its proprietary Web-based Transaction Management System(TM) (TMS) technology to automate vendor management, document production, management functions and workflow into one centralized, paperless model that provides InterContinental Capital with 100 percent visibility and control. GMS also offers title and escrow services for its customers.

"One of the advantages InterContinental Capital has as a relatively new mortgage banker is that it can move quickly without the constraints of an existing legacy system," said Tim Anschutz, vice president of Marketing for GMD. "By using GMS to manage closing and post-closing, the bank is even better positioned to take advantage of favorable market conditions without focusing time and resources on its back-office operations. The flexibility provided by GMS and its other technology solutions allows InterContinental Capital to focus on hiring top mortgage industry professionals and increasing origination volume even further, knowing that the right systems are in place to handle the rapid growth."

About InterContinental Capital Group, Inc.

InterContinental Capital Group is a retail mortgage banker focused on providing borrowers with the best customer service in the business. ICG provides each borrower with a dedicated loan officer who personally oversees the progress of the loan from the day an application is submitted to the day the loan funds. Its knowledgeable professionals work closely with borrowers to find the loan to best suit their financial needs and aspirations. ICG offers a variety of purchase and refinancing programs tailored to fit the needs of all borrowers. For more information, visit www.intercontinentalcapital.com.

About Guardian Mortgage Services

GMS, a division of Guardian Mortgage Documents, provides the national lending community with mortgage fulfillment outsource services that focus on back-office operations including: vendor management, title and escrow, closing coordination, document preparation and post-closing. Since 1987,GMS has been a privately owned and operated U.S. company, with all employees and operations located and performed within the United States.

GMS' mortgage fulfillment services simplify business by immediately providing efficiencies that increase total closing capacity, provide 100% pipeline management visibility and eliminates errors. Outsourcing this back-office capability enables the lender to aggressively focus on its front-end profit generator - origination. GMS' breadth of mortgage fulfillment services, from closing to the sale of loans, has earned it a national reputation for providing outsource solutions that are fast, reliable and economically smart.

By offering mortgage closing and post-closing services, GMS meets the varying operational needs of mortgage brokers, bankers and investors. This is accomplished through GMS' Transaction Management System (TMS). TMS' 360 degree Loan Technology provides a collaborative web portal that enables all participants 24/7 access to monitor and/or participate in the workflow status of any loan within the pipeline. The GMS back-office solution eliminates repetitive phone calls and provides a paperless environment that enables the lender to initialize and drive the loan process while maintaining total visibility and control.

GMS executes transactions according to customized, client-defined procedures and objectives to provide solutions that maximize profits. The overall critical ingredient to GMS' success is a blend of more than two decades of industry experience, the capability to customize solutions, the newest technologies and attention to detail with a service-minded team that understands the financial services industry. For more information, visit www.gmd.com/gms or contact GMS at 800-521-3960, or 303-942-2004.