Vicor Technologies, Inc.
Website: http://www.VicorTech.com
2300 NW Corporate Blvd. Suite 123
Boca Raton, FL  33431
Phone: 877-528-PD2i (7324)

Vicor Technologies, Inc. (OTCBB: VCRT)

Introduction

Vicor Technologies, Inc. (OTCBB: VCRT) is in the crucial transformative stage for a biotechnology company on the verge of becoming a viable commercial enterprise.

This biotechnology company is focused on the commercialization of innovative, non-invasive medical devices and diagnostics using its patented, proprietary PD2i™ nonlinear algorithm and software which is:

• Highly accurate
• Provides user friendly data acquisition
• Effective for trauma triage easily deployed in a portable monitor
• Provides a simple noninvasive test for identifying patients at risk of sudden cardiac death
• Provides a simple noninvasive test for identifying patients with Diabetic Autonomic Neuropathy

The PD2i Algorithm and software risk stratifies target populations to predict future pathological events. As a predictor of sudden cardiac death it has been shown to be highly accurate, with a sensitivity approaching 100% and a specificity of ~86%.

The advantage of the PD2i™ nonlinear algorithm is that it typically uses recordings made at rest and does not require stress-testing or any active participation from the patient. The test is relatively impervious to data non-stationarities and artifacts, setting it apart from other measures with unparalleled sensitivity.

A large physician shareholder base represents the early adoptees of this Company.

Vicor’s PD2i™ Nonlinear Algorithm is:

• A new vital sign with the ability to actually save lives in both combat and civilian setting
• The PD2i Analyzer™ can capture and display Heart Rate Variability (see defined below) in patients at rest and during paced respiration and controlled exercise.
• Able to identify trauma victims in need of an immediate lifesaving intervention
• Able to be used along with other clinical data to identify patients at risk of sudden cardiac death
• Able to be used along with other clinical data to identify patients who have autonomic dysfunction
• Able to improve trauma triage in real world situations and on the battlefield where time is of the essence and the collection of ‘clean’ data is never guaranteed
• Able to provide consistently accurate results which requires just one to two minutes of EKG data in a trauma setting
• Not derailed in delivering actionable results by noisy raw EKG data
• Functional in trauma environments and battlefield situations

Vicor’s Three Products Employing the PD2i™ Nonlinear Algorithm.

• PD2i Analyzer(TM) has FDA 510(k) marketing clearance. It measures Heart Rate Variability. Physicians performing diagnostic tests with the PD2i Analyzer™ are able to receive reimbursement under existing CPT codes.
• PD2i VS(TM) (Vital Sign) stratifies risk in combat and civilian trauma victims and is in clinical trials under a collaborative effort with the U.S. Army Institute for Surgical Research. (http://www.usaisr.amedd.army.mil/)
• PD2i CA(TM) (Cardiac Analyzer) identifies patients at risk of sudden cardiac death and is in multiple clinical trials.

Vicor anticipates additional applications employing the PD2i™ nonlinear algorithm to enable early detection and risk stratification for a variety of other disorders and diseases.

The PD2i Analyzer™ has been cleared by the FDA for marketing as a measure of Heart Rate Variability. It quantifies the relationship between the patient’s heart and brain by measuring the heart rate variation over time. The PD2i® test is painless and much like a value-added electrocardiogram. Adhesive sensor pads are placed on the skin and for the next twenty minutes the Analyzer records heartbeat information. Exercise is not necessary during the test.

The PD2i Analyzer™ twenty-minute test is composed of recording a sequence of one thousand heartbeats. The PD2i™ nonlinear algorithm is subsequently applied to that recording in order to find subtle patterns in the resulting data, yielding the final result which is expressed as a minimum PD2i™ value.

Business Model: Application Service Provider

Vicor’s Application Service Provider distribution model enables the seamless collection and transmission of patient EKG data to the Vicor server for analysis via the internet. This business model allows the proprietary algorithm to reside exclusively with Vicor.

An EKG file is captured using the Vicor PD2i Analyzer™. The EKG file is automatically uploaded via the internet to the Company’s server for analysis. The analysis is performed and within minutes the results are automatically transmitted back to the physician along with the required information for billing by the physician to the insurance company.

Each physician use will be recorded on the website which will enable Vicor to directly bill the analysis fees to the physician monthly. In this manner, the Company’s proprietary software remains continuously under the Company’s control and protection, and Vicor has a record of which physicians are conducting tests and how often.

This model also facilitates engagement with prospective international customers and the different methods by which Vicor expect to be paid by them. Importantly, in physician and hospital settings this activity is currently reimbursable under existing CPT codes for physicians and hospitals.

Application Server Provider distribution is over the Internet. The doctor or hospitals using the PD2i Analyzer™ pay a pre-determined and reimbursable fee. Physicians and hospitals are able to precisely understand their cost and understand the value to their patients, practice and business model while focusing on their core expertise.

Reimbursement

Physicians and hospitals can use existing CPT (current procedural terminology) codes to obtain insurance company reimbursement – in addition to direct payment by patients – for tests performed using the PD2i Analyzer™. These codes are for the measurement of Heart Rate Variability in response to controlled exercise and paced respiration as well as recording and analyzing an EKG.

This is critical to ensure that all marketing activities for the PD2i Analyzer™ to physicians and billing activities by them are performed in accordance with FDA and Center for Medicare and Medicaid Services (CMS) guidelines.

Revised labeling for the measurement of HRV during paced respiration and controlled exercise as well as at rest will enable this.

Advantage and Advance over Conventional Diagnostics

Vicor’s PD2i tests offer several advantages over other measures:

• More predictive than competing tests
• Non-invasive
• May be performed by a nurse or technician
• Tests done at rest
• Use inexpensive, non-proprietary EKG electrodes
• Provide results in less than twenty minutes
• Easy to use with a simple Positive/Negative resuCompact and portable
• Forgiving of data issues plaguing other diagnostics
• Not derailed by irregular or ectopic beats
• Performed on patients taking beta-blockers
• Low up-front cost
• Low per test cost

Large Total Potential Market Opportunity

The PD2i™ diagnostics enable inexpensive, accurate, and early identification of disease states in at-risk populations prior to costly treatments for advanced disease or inaccurate identifications which are garnering increased attention in the current healthcare debate.

These populations are significant, representing:

• 12 million at-risk cardiac patients,
• 23.7 million diabetics, and
• 38 million trauma incidents

This represents 70 million potential patient encounters translating into a more than a $5 Billion annual market.

Emergency Response

Vicor anticipates that the PD2i-VS™ will play a role in the over 38 million emergency response calls annually in the United States.

It should prove invaluable by enabling paramedics to assign a level of severity to patients being transported to the emergency room. At the E.R. the PD2i-VS™ is expected to play an important role in helping ER personnel triage patients in-hospital.

Diabetic Autonomic Neuropathy Market

Studies indicate that as many as a quarter of the 23.6 million diabetics in the U.S. may be suffering nerve damage from Diabetic Autonomic Neuropathy and many of them are without the symptoms which would alert them to seek treatment.*

Diabetic Autonomic Neuropathy is best diagnosed by measuring a patient’s Heart Rate Variability (HRV). Vicor’s PD2i Analyzer™ measures HRV quickly, accurately and inexpensively.

Though gradual in onset, Diabetic Autonomic Neuropathy has grave consequences. Since the autonomic nervous system undergirds so many of the Company’s body’s key functions, damage to these nerves can result in:

• Heart disease and sudden death
• Loss of urinary and bowel control
• Kidney failure
• Impotence
• Blindness

* Source: Full Accounting of Diabetes and Pre-Diabetes in the U.S. Population in 1988–1994 & 2005–2006. Diabetes Care, 32:287-294, 2009

Diabetic autonomic neuropathy is gradual in onset so the disease may be fairly well advanced by the time symptoms are detectable by conventional means. Thus, tragically, treatment is often not commenced until the patient is already experiencing vision problems, incontinence or sexual dysfunction. At this point, nerve damage is well underway, and patients are at significantly increased risk of sudden cardiac death

A diagnostic is needed which can detect diabetic autonomic neuropathy long before significant nerve damage has occurred. Vicor believes that PD2i Analyzer™ is that diagnostic.

Conventional tests can only detect the nerve damage Diabetic Autonomic Neuropathy leaves in its wake; the PD2i™ nonlinear algorithm uses advanced mathematics to directly measure the health of a patient’s autonomic system. A PD2i™ score can be simply and painlessly determined within minutes and will reveal if a patient has developed diabetic autonomic neuropathy, enabling doctors to intervene to protect their patients from further debilitating disease.

Vicor’s PD2i Analyzer™ has already received FDA 510(k) marketing clearance as a measure of Heart Rate Variability. Vicor expects to secure an expanded claim through the 510(k) application process for a diabetic autonomic neuropathy indication.

PD2i ™ Marketing

International Marketing

Vicor has signed a distributorship agreement with Glotecx, Inc. (Coral Springs, FL) covering India and four other countries in East Africa. The agreement, which employs the Company’s ASP model, is expected to generate revenue in early 2010. This agreement calls for payment of a guaranteed minimum number of collection devices and tests per month paid in advance.

While the agreement was intended to commence late in the fourth quarter, there is a delay due to situations beyond the Company’s control.

Vicor is in discussions with distributors in other countries including Israel, Ecuador, Brazil, Philippines, United Kingdom, Thailand, and China. Vicor believes the value of the Company’s technology, per test pricing, and alternative regulatory climate (non-U.S.) in these countries create the opportunity to realize significant future international revenues and possibly sooner revenues than would be realized in the United States.

Domestic Physician Market

There currently are established CPT codes that enable physician reimbursement from third-party payors for the performance of tests which use the PD2i Analyzer™. The PD2i CA™ is being beta tested in a large cardiology practice in California.

In anticipation of a product launch in early 2010, Vicor has identified several of the Company’s physician shareholders and their practices for early adoption of the PD2i Analyzer™.

Physician acceptance is a critical success factor. The Company’s strategy has always been to establish a large physician base – 350 shareholders and 450 members of the Company’s National Cardiac Panel – as early adopters of the Company’s technology to ensure that:

The product is well received by physicians interested in Vicor’s success

Product enhancement suggestions provided by these early adopters can be incorporated into the technology before a national rollout.

The PD2i test offers several advantages over competing diagnostics:

• More predictive than competing tests
• Non-invasive
• Performed by nurse or technician on resting patient
• Uses inexpensive, non-proprietary EKG electrodes
• Result available in less than twenty minutes
• Easy to use
• Yields simple Positive/Negative result
• Compact and no treadmill required
• Forgiving of data issues plaguing other diagnostics; not derailed by irregular or ectopic beats
• Can be performed on patients taking beta-blockers
• Low up-front cost
• Low per test cost

Pre-Hospital and Hospital Markets

The PD2i VS™ is expected to be rolled out initially with the U.S. Army and several international armed forces. Ultimately, the Company’s goal is to license the technology for inclusion in existing vital sign monitors for pre-hospital and hospital use and combat care.

Inclusion in vital sign monitors will not preclude the development of the Company’s own hardware in a size permitting easy battlefield transport by combat care providers.

High Incentive for Physician Use

• More definitive and higher quality patient care
• Minimal disruption to office patient flow
• Simple to use with Positive/Negative result

Short-term Business Milestones

1. Commencement of revenue in January 2010, from physician market in the United States.
2. International revenue is scheduled to commence during the first half of 2010.
3. Submit 510K for claim for Sudden Cardiac Death in Q1 2010. While the claim for Sudden Cardiac Death will enhance marketing efforts, it will not impact currently existing CPT codes and revenue recognition prospects.
4. Submit 510K for claim for Trauma in 2010 upon receipt of data from U.S. Army Institute of Surgical Research
5. Complete Normal Range Study and 510(k) submission to enable identification of normal ranges of PD2i values for physicians.

Manufacturing Nasiff Associates, Inc.

Vicor Technologies entered into an OEM product agreement with Nasiff Associates, Inc. to integrate Vicor’s PD2i™ data collection software into Nasiff’s CardioCard EKG in May 2009. Under the agreement, Nasiff will manufacture the PD2i Cardiac Analyzer™ EKG for sale to physicians by Vicor and Nasiff under joint marketing rights.

A leading producer of medical diagnostic products, Nasiff developed the world’s first PC based digital EKG.

PD2i-VS™ Tested by U.S. Army Institute of Surgical Research (USAISR)

Determined to minimize mortality rate of battlefield casualties, the U.S. Army Institute of Surgical Research has been working with Vicor’s PD2i-VS system through a research collaboration and has tested it against the best methodologies currently available. In extensive real-world testing involving several studies with data provided by the USAISR, the PD2i-VS™ has proven to be more predictive than all other compared technologies.

In Vicor’s most recent study with Army provided data, the PD2i-VS™ examined 325 civilian trauma injury victims, twenty of whom would later die of their injuries. Incredibly, the PD2i-VS™ correctly identified all twenty.

Even more importantly, of the twenty who died, conventional trauma triaging techniques had selected only six for lifesaving intervention in the field.

This suggests both that current trauma triage methods are woefully inadequate, and that the PD2i-VS™ is poised to make an extraordinary contribution to combat and trauma survival in the near future.

The very low PD2i™ values demonstrated in the chart at above right signify imminent risk of “crashing”, revealing dire need of aggressive medical intervention.

Heart Rate Variability as a Diagnostic

Vicor’s PD2i™ nonlinear algorithm evaluates the neurological relationship between the heart and brain. It does this by measuring the degrees of freedom of the patient’s Heart Rate Variability over time, beat-to-beat.

Several sensory-motor loops such as temperature, pH, baroreceptor reflex and others have been found to control heart rate. The degree of cooperation between those loops is reflected in the degrees of freedom of the heart rate’s variability — a phenomenon caused by the brain’s influence.

In healthy individuals, these loops tend to work in opposition and more or less independently. But when the loops begin to coordinate to a high degree, paradoxically, it’s a sign that the body is not doing well and that the brain is “marshalling the forces” to work together to keep the body alive. Yet this “hyper coordinated” condition is not sustainable and can lead to ventricular tachycardia, ventricular fibrillation, and sudden cardiac death.

Knowing the degrees of freedom permits far more accurate evaluation of near-term risk of death than previously possible. The PD2i™ nonlinear algorithm and software precisely calculate the degrees of freedom, even in the presence of data issues that confound other methods and is the results are exceedingly easy to interpret.

Sudden Cardiac Death is not a Heart Attack

• A Heart Attack is an “Internal Plumbing Problem”
• Sudden Cardiac Death is caused by breakdown of the heart-brain axis
• Sudden Cardiac Death is swift and unexpected
• 95% of victims of Sudden Cardiac Death die outside of hospital
• Sudden Cardiac Death often occurs in asymptomatic individuals

The PD2i™ CA is able to accurately risk stratify patients into those at high or low risk of suffering a fatal arrhythmic event, or Sudden Cardiac Death within a six to twelve month time frame.

Sudden Cardiac Death is the leading cause of natural death in the U.S. each year with more than 300,000 reported cases annually.

Cost Effective Diagnostics

In multiple trials comparing the efficacy of various tools in measuring Heart Rate Variability for diagnostic purposes, Vicor’s PD2i™ nonlinear algorithm has consistently proven to be the most accurate diagnostic for identifying those at risk of sudden cardiac death and autonomic dysfunction, as well as trauma victims in need of lifesaving intervention.

Diagnostics that enable inexpensive, accurate, and early identification of disease states in at-risk populations prior to costly treatments for advanced disease or inaccurate identification are garnering increased attention.

These populations include:

• 12 million at-risk cardiac patients
• 23.7 million diabetics
• 38 million trauma incidents

Management and Scientific Advisory Board

David H. Fater
President, Chief Executive Officer, Chief Financial Officer, Director

Joined Vicor in 2002, from ALDA & Associates International Inc., a business and financial consulting firm specializing in healthcare and life sciences.

Prior to forming ALDA & Associates in 1993, Mr. Fater held senior executive positions with three public healthcare companies. He led the initial public offering process for BMJ Medical Management, Inc. (1997-1999) and Community Care of America (1995-1996), and led Coastal Physician Group, Inc. (1993-1995) to a NYSE listing and $1 Billion market capitalization. Before this, Mr. Fater was employed by Ernst & Young, where he completed his 24-year tenure as a Senior International Partner advising senior management and boards of directors (1969-1992).

Mr. Fater is a certified public accountant in Georgia, Illinois, North Carolina, and New York. He holds a BS in Accounting from the University of North Carolina.

James E. Skinner, Ph.D.
Vice President, Director of Grant Research, Director

Founding Vicor in August, 2000, Dr. Skinner has extensive experience both as a scientist and manager of large research and development projects. He is the Director of the Delaware Water Gap Science Institute, a non-profit medical research organization devoted to the development of medical devices and pharmaceuticals. Prior to founding the Delaware Water Gap Science Institute, Dr. Skinner was Associate Director of the Totts Gap Medical Research Laboratories, Inc. (1969-1997). Earlier, he was a Professor and Researcher at Baylor College of Medicine in Houston (1969-1993) and recipient of numerous research grants from the National Institutes of Health.

Dr. Skinner holds a PhD in Neuroscience from the University of California at Los Angeles and a BA in Pre-Med, Physics, and Physiological Psychology from Pomona College.

Jerry M. Anchin, Ph.D.
Vice President, Director of Research and Development, Director

Dr. Anchin has more than 30 years of experience in the fields of immunology, molecular biology, drug discovery and protein chemistry. Prior to founding Vicor in 2000, Dr. Anchin was employed by Ciblex Pharmaceuticals (1998-2000), where he became group leader of the drug discovery program that led to the discovery of novel small molecules for use in the prevention of asthma. Earlier, he held positions at Prism Pharmaceuticals (1996-1998), and Immuno Pharmaceuticals (1993-1996). Before that, he was Head of Assay Development and Manufacturing at International Immunoassay Labs (1991-1998), where he was instrumental in designing a novel assay for the detection of the protein creatine kinase released during acute myocardial infarction.

Dr. Anchin holds patents for 14 immunoassay and drug discovery platforms; he has an additional 16 patents pending. Dr. Anchin earned a PhD in Immunology from Texas A&M University and a BA in Cell Biology from the University of California at Santa Barbara.

Daniel N. Weiss, M.D., F.A.C.C.
Chief Medical Officer

With Vicor since 2004, Dr. Weiss has extensive experience as a practicing cardiologist and electrophysiologist. He is a partner in Florida Arrhythmia Consultants and was the director of several hospital electrophysiology laboratories. He has also served as a consultant to several Fortune 500 medical device companies, including Medtronic, St. Jude Medical and Guidant. In addition, he served as clinical investigator in the MADIT-II (MultiCenter Automatic Defibrillator Implantation Trial) and SCDHeFT (Sudden Cardiac Death Heart Failure Trial) clinical trials.

Dr. Weiss received his MD with Distinction in Research from the Mount Sinai School of Medicine where he received the Nathan A. Seltz Award for research in Cardiovascular and Renal Disease. He holds a BSE cum laude in Electrical Engineering and Computer Science from Princeton University.

Thomas J. Bohannon
Chief Accounting Officer

Thomas J. Bohannon was appointed to serve as the Chief Accounting Officer of the Company effective as of December 28, 2008. Mr. Bohannon has been in the accounting and financial field for more than 40 years. Mr. Bohannon worked as a senior manager at Ernst & Young in Atlanta from 1968 until 1978 where he specialized in financial and SEC reporting before becoming the partner in charge of audit and review services for Pappadakis, Nelson & Bohannon from 1978-1991. Since 1992, he has focused on his own consulting practice, serving as the financial officer for a variety of companies in the Southeast United States.

The current directors of the Company are David H. Fater (2002) and James E. Skinner (2000) (Class I), Jerry M. Anchin (2003) and Frederick M. Hudson (2008) (Class II), and Dr. Edward Wiesmeier (2004)and Joseph C. Franchetti (2008) (Class III). The Class I Directors’ term expires at the 2011 Annual Meeting. The Class II Directors’ term expires at the 2012 Annual Meeting. The Class III Directors’ term expires at the 2010 Annual Meeting.

Edward Wiesmeier, MD

Dr. Wiesmeier has been a member of the Company’s board of directors since October 2004. From 1974 to 2007, Dr. Wiesmeier was at UCLA where during that time he served as Clinical Professor of Obstetrics & Gynecology at the UCLA School of Medicine and Assistant Vice Chancellor for Student Development and Health. Presently he is Clinical Professor/Voluntary in the Dept. of Reproductive Medicine at the UCSD School of Medicine. Dr. Wiesmeier serves as Chairman of the Company’s Scientific Advisory Board.

Frederick M. Hudson

At the time of his retirement from KPMG, Mr. Hudson was a partner in charge of the firm’s Mid-Atlantic Health Care Practice (1969-2006). He is a Director on the Board of Financial Administration of the Catholic Archdiocese of Baltimore, the Board of Sponsors of Loyola College Sellinger School of Business and Management, and the Board of Trustees of the Maryland Historical Society. He is Chairman of the Audit Committee of the Board of Directors of Paradigm Management Services, LLC, and Remedi Health Services, Inc., and a member of the Audit and Finance Committee of the Board of Directors of GBMC Healthcare, Inc., and its affiliate, the Greater Baltimore Medical Center. Mr. Hudson is a graduate of Loyola College.

Joseph C. Franchetti

Mr. Franchetti is, and has been, a consultant, director, and advisor to several healthcare/medical device companies, including start-ups, in the cardiology/cardiovascular and life sciences areas. He is currently Vice Chairman of CVAC Health Systems, Inc. Earlier, he was President and Chief Executive Officer of Cohn Medical Instruments Corp. (now Omron), a Japanese-owned, global leader in non-invasive blood pressure, and physiological and vital sign monitoring and diagnosis. He founded and was Chief Executive Officer of Bio-Chem Laboratory Systems Inc., and a Corporate and International Vice President and General Manager for Technicon (now Siemens) and Narco Scientific (now Respirionics). He is a Trustee Emeritus of Southwest Research Institute of Texas. Mr. Franchetti is a graduate of the Wharton School of the University of Pennsylvania.

Scientific Advisory Board

Vicor’s Scientific Advisory Board gives it access to some of the most accomplished professionals in the life sciences. In addition to others, Vicor’s Scientific Advisory Board includes such significant thought leaders as:

Mark E. Josephson, MD

• Chief of Cardiology, Beth Israel Deaconess Medical Center
• One of the world’s leading experts on arrhythmias
• Author, Clinical Cardiac Electrophysiology
• Scientific advisor to over twenty companies

Hein J. J. Wellens, MD

• Chairman & Professor, Cardiology Department, Academisch Ziekenhuis Maastricht, the Netherlands
• Director, Interuniversity Cardiology Institute
• Member, Netherlands Academy of Arts and Sciences
• Visiting Lecturer, Harvard Medical School.

Richard M. Luceri, MD, FACC

• Recently retired Director, Interventional Arrhythmia Center, Holy Cross Hospital
• Clinical Investigator, MADIT-II (MultiCenter Automatic Defibrillator Implantation Trial)
• Author, SCD-HeFT (Sudden Cardiac Death Heart Failure Trial).

Robert G. Hauser, MD, FACC, FHRS

• Senior Consulting Cardiologist, Minneapolis Heart Institute
• Chairman, Cardiovascular Services Division, Abbott Northwestern Hospital.
• Former CEO, Cardiac Pacemakers, Inc. (Eli Lilly subsidiary acquired by Guidant Corporation)

Jonathan Kaplan, MD, MPH

• Medical Director, Fidelis Care New York
• Former Corporate Medical Director, Excellus Blue Cross Blue Shield.

David Chazanovitz

• Former President/CEO, Alveolus, Inc.
• Former CEO, Cambridge Heart, Inc.

Edward F. Lundy, MD, PhD

• Chief of Cardiothoracic Surgery, Active International Cardiovascular Institute at Good Samaritan Hospital
• Ph.D. in physiology with focus on altered states physiologies (hibernation)
• Accomplished trauma surgeon

Intellectual Property

1. U.S. Patent No. 5,709,214, Patent issued 1/20/1998, PD2i Electrophysiological Analyzer

2. U.S. Patent No. 5,720,294, Patent issued 2/24/1998, PD2i Electrophysiological Analyzer

3. U.S. Patent No. 7,076,288, Patent issued 7/11/2006, Method and System for Detecting and/or Predicting Biological Anomalies (applications filed in Armenia, Australia, Azerbaijan, Belarus, Brazil, Canada, China, Costa Rica, Europe, Hong Kong, India, Israel, Japan, Kazakhstan, Kyrgyzstan, Mexico, Moldova, New Zealand, Russia, South Africa, South Korea, Tajikistan, and Turkmenistan – patents have begun to issue)

4. U.S. Patent No. 7,276,026, Patent issued 10/2/2007, Method and system for detecting and/or predicting cerebral disorders

5. Patent applied for 1/14/2005, PCT/US2006/001176, Knowledge Determination System (Lie Detection) (applications filed in Australia, Canada and Europe)

6. Patent applied for 8/2006, PCT/US07/077175, Automated Noise Reduction System for Predicting Arrhythmic Deaths (applications filed in Canada, China, Europe, India, Israel, Japan, Mexico, and South Korea)

7. Other patent applications, which are not yet public, have also been filed.

Current Field Trials and Applications

Vicor has determined the most appropriate rollout of their product is in controlled environments which produce crucial feedback for product enhancement.

PD2i™ Application in London

PD2i™ nonlinear algorithm has been selected by Dr. Sanjay Sharma to be used in a cardiac screening initiative to be held in London and Southeast England, commencing in April 2010. Dr. Sharma, consultant cardiologist of Cardiac Risk in the Young (CRY), is spearheading the screening initiative which will offer free cardiac screening to 14 year olds (DOB 1995) living in London and Southeast England; fourteen is the earliest post-puberty age for which proactive screening is considered viable. Ten percent of the estimated seven million individuals fitting this description are expected to participate.

The ultimate goal of this initiative is to develop a prototype for a national screening program for young sudden cardiac death, which is an extremely worthy goal, given that some 600 young people are struck down by sudden cardiac death annually in the U.K.

Application Service Provider Distribution Model

A major U.S. cardiology practice serves as the Company’s beta test site for Vicor’s Application Service Provider distribution model which enables the seamless collection and transmission of patient EKG data to the Vicor server for analysis.

Vicor’s software residing on the Company’s servers will complete the analysis of the EKG data read by the PD2i Analyzer™. The physician then receives an electronic medical record and report of the PD2i Analyzer™ results.

The Application Server Provider distribution model records physician use to Vicor’s website to enable automated monthly billing of physicians using its PD2i Analyzer™ and reimbursable under existing CPT codes.

Normal Range Study for the PD2i Analyzer™ Will Serve As Basis For Test Interpretation.

Vicor will be performing a normal range study for the PD2i Analyzer™ at the University of Mississippi Medical Center as soon as routine Institutional Review Board approval is received. This study of approximately 400 age and gender matched “normal” patients will enable us to identify and establish normal ranges of PD2i™ values for these groups, for both a resting patient and a patient performing paced respiration and/or controlled exercise. Vicor will then file a 510(k) with the FDA to establish normal ranges for PD2i™ values. The ability to identify normal ranges will help physicians interpret the results of a PD2i Analyzer™ test as abnormal or normal, which will facilitate accurate diagnosis and appropriate treatment.

Collaborative Studies Continue to Show the PD2i™ Nonlinear Algorithm Enables Accurate Triage of the Seriously Wounded

Testing of the PD2i VS™ by the U.S. Army is continuing under the Company’s collaborative agreement. In the completed study of 325 civilian trauma patients, researchers found that analysis of complex heart rate complexity using the PD2i™ nonlinear algorithm and software identifies trauma patients with good sensitivity (low percentage of false negatives) and that results are similar using both “raw” or “clean” electrocardiograms (“EKG’s”). This latter point is especially important considering the real world – on the battlefield or in civilian trauma settings – in which EKG data is collected. This data for the PD2i VS™ will be used to file a 510(k) to establish a claim for a more accurate triaging of trauma patients.

Additionally, Vicor has completed the programming necessary for the PD2i VS™ to operate as a continuous vital sign monitor. In this mode, the PD2i VS™ provides an initial PD2i™ result within three minutes of collected data and then an updated status every minute thereafter. Each result is accompanied by an audible tone, and a green, yellow, or red light to indicate the patient’s change in status and alert the emergency response team of a need for aggressive and immediate lifesaving intervention. Vicor is completing the modification of the R-R detector in the Company’s software to improve its already high sensitivity and accuracy. (The accuracy of the time intervals between each heart beat “the R-R interval” is critical to the calculation of a PD2i™ value.)

The enhanced version of the continuous PD2i VS™, together with the improved RR detector should enable the USAISR to utilize the Company’s technology in an important prospective human trial.

The PD2i CA™ (Cardiac Analyzer) Expected to Utilize MUSIC Trial Data for New 510(k)

Under a collaborative agreement with the University of Rochester and the Catala Institute of Cardiovascular Science, the PD2i CA™ is being used to study the data files of 651 individuals who participated in the Merte Subita en Insufficiencia Cardiaca (MUSIC) congestive heart failure trial. Vicor has completed analysis of the data files, and expects to have the Company’s collaborators unlock the clinical data and compare the PD2i CA™ results with the actual clinical outcomes in the next six to eight weeks. This time period will permit Vicor to modify the R-R detection software in order to re-analyze the files. This second analysis will enable Vicor to maximize the already high probability of success of this important trial data set. This data set is then expected to serve as the basis for submission of a 510(k) to the FDA for the application of sudden cardiac death (SCD).

Publications, Presentations and Papers

During the past year, the results of the Company’s efforts have appeared in trade media reaching important target audiences, prestigious medical journals, and presentations by USAISR medical personnel.

Trade Media

Dr. Daniel N. Weiss, the Company’s Chief Medical Officer, was interviewed by EP Lab Digest. Medical Device Daily included Dr. Weiss’s comments in an article entitled “Vicor’s heart metric used as an identifier for trauma in patients” (September 25, 2009).

Colonel Leopoldo Cancio of the USAISR identified the PD2i™ as a heart-rate complexity metric to be tested on trauma patients in the Army’s new Critical Combat Care Engineering (C3E) program in “Bridging the Critical Care Chasm,” an article describing the C3E that appeared in the August 2009 issue of Military Medical/CBRN
Technology (Volume 13, Issue 5).

The C3E is a new program area within the U.S. Army Medical Research and Materiel Command’s Combat Casualty Care Research Area Directorate (RAD II) that was created to improve battlefield care and, specifically, address the “critical care technology gap.”

Peer-Reviewed Medical Journals

A manuscript of Vicor’s study, “Comparison of linear-stochastic and nonlinear deterministic algorithms in the analysis of 15-minute clinical EKGs to predict risk of arrhythmic death,” appeared in Therapeutics and Clinical Risk Management (2009-5, 1-12).

The manuscript chronicles the study of 397 patients admitted to three emergency room departments for chest pain and determined to be at low-to-high risk of acute myocardial infarction (MI). Fifteen-minute EKGs were recorded and R-R intervals assessed by three non-linear algorithms (PD2i™, DFA, and ApEn) and four conventional linear-stochastic measures (SDNN, MNN, 1/f-Slope, LF/HF). The sensitivity and relative risk for predicting arrhythmic death was highest at all time-points for the PD2i™ algorithm.

“New Measures of Heart-Rate Complexity: Effect of Chest Trauma and Hemorrhage” is in press in the Journal of Trauma. This USAISR study analyzed the complex beat-to-beat variability present in the heart-rate time series, which has been proposed as a “new vital sign.”

The effect of chest trauma and hemorrhagic shock on heart-rate complexity (HRC) was examined in an animal model. The study concluded that heart rate complexity may be useful for diagnosis of trauma and hemorrhagic shock, and for monitoring resuscitation efforts.

University of Rochester/Catalan Institute of Cardiovascular Sciences

Vicor is working with the University of Rochester and the Catalan Institute of Cardiovascular Sciences to use the PD2i CA™ to retrospectively predict sudden cardiac death in the 651 congestive heart failure patients studied by the Muerte Subita en Insuficiencia Cardiaca (MUSIC) trial, in which 52 actually died from SCD.
Vicor expects that the results of this analysis will be sufficient to support FDA 510(k) clearance for sudden cardiac death in 2010.

University of Mississippi Medical Center

Vicor is collaborating with the University of Mississippi Medical Center on several trials:

Brain Injury Risk Stratification Trial

The BIRST trial will determine the ability of the PD2i™ nonlinear algorithm to predict mortality in victims of brain trauma. PD2i™ will also be assessed for its ability to track the clinical status of neuro-trauma ICU patients.

Brain trauma is a serious public health challenge. In the U.S. over 300,000 sport-related traumatic brain injuries occur annually, and according to the Brain Trauma Foundation, approximately 52,000 will die.

Cardiac Arrhythmia Assessment and Safety in Athletes (CAASA)

Sudden cardiac death is a leading cause of death among student athletes. The CAASA trial will test the ability of the PD2i CA™ to identify those at risk.

The CAASA trial will commence at the University of Mississippi, with follow-on studies at other prestigious universities.

Complexity Analysis Studies of Trauma in the Emergency Department (CASTED)

Vicor is in discussions with the University of Mississippi Medical Center Trauma Center to identify a means of transmitting PD2i-VS™ data during Medivac transport of civilian trauma victims.

Complexity Analysis during Blood Donation (CABLD)

In cooperation with the University of Mississippi Medical Center Blood Bank, the CABLD trial is testing the ability of the PD2i-VS™ to detect mild-to-moderate blood loss as determined during blood donations.

Complexity Analysis during Renal Dialysis (CARD) Trial

CARD will test the use of Heart Rate Variability to evaluate the effect of fluid loss during dialysis.

Massachusetts General Hospital MGH PD2i-VS Trial

In this study, Massachusetts General Hospital will test the PD2i-VS™ for real-time mobile & ICU triage in an extremely demanding emergency medical environment.

The teaching hospital for Harvard Medical School, MGH is a Level 1 Adult, Pediatric and Burn Trauma Center admitting over 4,000 trauma and emergency surgery patients annually.

Dr. Alfred Buxton and Heart Rate Variability

Vicor will be working with renowned electrophysiologist, Dr. Alfred Buxton, on two trials to learn if measuring Heart Rate Variability is useful in tracking the progress of cardiac patients undergoing various rehabilitative treatments following ICD implantation.

Dr. Buxton is a Professor of Medicine at Brown Medical School and Director of the Cardiology Division at Brown Medical School, and Rhode Island and Miriam hospitals. He is also the Director of Arrhythmia Services and the Clinical Cardiac Electrophysiology Laboratory at Rhode Island and Miriam hospitals.

CARE-t Trial

Vicor’s PD2i Analyzer™ will be used to measure Heart Rate Variability as a means of determining the efficacy of cognitive behavioral therapy on cardiac patients with ICDs.

CARE-e Trial

Vicor’s PD2i CA™ is being used to determine the ability of exercise to reduce arrhythmias in cardiac patients with ICDs.

Target Health, Inc.

Target Health, Inc. is working as the Company’s Contract Research Organization in regulatory matters as strategic advisors and clinical consultants for meetings with the FDA.

The Sudden Cardiac Arrest Association

Vicor supports the work of the Sudden Cardiac Arrest Association. The SCAA identifies and unites survivors, those at risk of sudden cardiac arrest, and those interested in advocating for SCAA issues in their communities and beyond. The Sudden Cardiac Arrest Association and Vicor share a mission: to prevent loss of life from Sudden Cardiac Arrest.

PD2i VS™ Presentations and Publications 2009 ATACCC Conference / Smart Monitoring 2009 Forum

Vicor’s technology was presented in August at the 2009 Advanced Technology Applications for Combat Casualty Care (ATACCC) conference and the 2009 Smart Monitoring Forum in St. Petersburg Beach, Florida.

Andriy Batchinsky, MD, a researcher with the U.S. Army Institute of Surgical Research (USAISR), made two presentations. The first, Toward Automated Detection of Life-threatening Injury Using Comprehensive Assessment of the Electrocardiogram, was presented at Smart Monitoring 2009 during the New Vital Signs, Predictive Variables and Indices panel.

At ATACCC, Dr. Batchinsky presented Does Heart Rate Complexity Add to Traditional Vital Signs for Trauma Patient Triage? Both presentations reviewed findings from trials the USAISR has done with Vicor and described use of the PD2i-VS™ as a new vital sign in trauma triage.

The premier scientific meeting of the Department of Defense, ATACCC addresses advances in trauma medicine and the unique medical needs of the war fighter, identifying technologies that can meet increasingly complex operational issues.

Sponsored by the Resuscitation Research Laboratory of the University of Texas Medical Branch, Smart Monitoring is a forum on vital sign monitoring for combat casualty care, facilitating communication between industry representatives and medical experts from government, academia, and the private sector.

2008 International Shock Congress

Exploration of Heart-Rate Complexity to Determine the Need for Lifesaving Intervention in Combat Casualties was also presented by the U.S. Army in June, 2008 at the International Shock Congress in Cologne, Germany. The abstract concerned the initial experiment for trial performed by the U.S.Army on battlefield wounded soldiers utilizing Vicor’s PD2i™ technology.

PD2i ™Technology. Journal of Critical Care

Exploration of Heart-Rate Complexity to Determine the Need for Lifesaving Intervention in Combat Casualties was published in the June, 2008 Journal of Critical Care.

The Company’s first collaborative effort with the U.S. Army, this study involved combat casualties for whom EKG files were analyzed by several competing methods. Vicor’s PD2i™ technology correctly identified the need for immediate life-saving intervention.

Reference: Exploration of heart-rate complexity to determine the need for lifesaving interventions in combat casualties. Journal of Critical Care 2008 Jun;(Vol. 23, Issue 2, Pages 265-266)

Presentations

Andriy Batchinsky, MD, a USAISR researcher, presented findings from a study of Vicor’s PD2i VS™ at the American Heart Association’s Resuscitation Science Symposium 2009 (November 14-15, 2009). Dr. Batchinsky presented “Does Heart-Rate Complexity Analysis Work in the Real World? Changes in the Point Correlation Dimension of Heart Rate during Prehospital Lifesaving Interventions.”

This was the first presentation at a major scientific conference featuring Vicor’s proprietary PD2i™ nonlinear algorithm. The objective of “Does Heart-Rate Complexity Analysis Work in the Real World?” was to evaluate the ability of the PD2i VS™ to distinguish trauma patients receiving lifesaving interventions from those who did not based on analysis of EKGs from 325 pre-hospital trauma patients. The PD2i™ nonlinear algorithm value was calculated on both unedited (raw) and on manually verified, noise-and ectopy-free (clean) EKG sections. In conclusion, researchers found that analysis of heart rate complexity using the PD2i™ nonlinear algorithm and software identifies trauma patients with good sensitivity (low percentage of false negatives) and that results are similar using either “raw” or “clean” EKGs. Additional studies of automated trauma triage using the PD2i VS™ are planned

Additionally, Dr. Batchinsky made the following presentations of the USAISR’s continuing studies of the PD2i VS™:

“Are We Listening to Music or Noise? Use of the Lyapunov Exponent for Comprehensive Assessment of Heart Rate Complexity during Hemorrhage in Sedated Conscious Miniature Swine” 8th International Conference on Complexity in Acute Illness – August 28-30, 2009 – Palo Alto, CA

“Complexity in Animal Models” and “Continuous Complexity Analysis and Remote Battlefield Triage” International Experts of Complexity and Variability at the Bedside Round Table – August 24-25, 2009 – Wakefield, CA

“Does Heart Rate Complexity Add to Traditional Vital Signs for Trauma Patient Triage?” ATACCC 2009 Conference – August 10-12, 2009 – St. Petersburg Beach, FL

“Toward Automated Detection of Life-threatening Injury Using Comprehensive Assessment of the Electrocardiogram” Smart Monitoring 2009 Conference – August 9, 2009 – St. Petersburg Beach, FL

Papers

Therapeutics & Clinical Risk Management

Vicor’s study, Nonlinear Analysis of the Heartbeats in Public Patient EKGs Using An Automated PD2i™ Algorithm for Risk Stratification of Arrhythmic Death was published in the April 2006 Therapeutics and Clinical Risk Management. This study demonstrated the ability of the PD2i CA™ to risk-stratify patients’ risk for sudden cardiac death and identify those who require ICD’s (implantable cardioverter defibrillator) and those who do not.

The study enrolled 37 patients and showed the PD2i test to have a sensitivity of 100% and a specificity of 85%. In other words, Vicor’s PD2i™ nonlinear algorithm correctly identified every patient who went on to suffer a cardiac arrest or sudden cardiac death, while only recommending over-treatment of 15%. Current risk-stratification criteria results in over-treatment of 76% of cases,1,2 while only identifying a fraction of “true-positives” — patients who will go on to experience cardiac arrests or sudden cardiac death.

Risk Stratification for Arrhythmic Death in an Emergency Department Cohort: A New Method of Non-Linear PD2i Analysis of the EKG

The Company’s study of 918 patients in six emergency departments, appeared in the August 2008 issue of Therapeutics and Clinical Risk Management. Vicor’s PD2i® algorithm and software achieved a sensitivity of 96% and a specificity of 85% with a negative predictive value of 99%.

Comparison of Linear–Stochastic and Nonlinear Deterministic Algorithms in the Analysis of 15-Minute Clinical EKGs to Predict Risk of Arrhythmic Death

Published August 17th in Therapeutics & Clinical Risk Management.
The paper describes a study in which 397 emergency room patients presenting with chest pain were evaluated by seven methodologies: the PD2i™ nonlinear algorithm, DFA, ApEn, SDNN, MNN, 1/f-Slope, and LF/HF. The study demonstrated that the PD2i™ nonlinear algorithm, based on a deterministic model, provided superior assessment of Heart Rate Variability in brief EKGs compared to measures based on either the linear stochastic model or other nonlinear ones, and thus provides the basis for a rapid, accurate, and cost-effective stratification of risk of AD among patients presenting in an Emergency Department.

Journal of Critical Care
Exploration of Heart-Rate Complexity to Determine the Need for Lifesaving Intervention in Combat Casualties was published in the June 2008 Journal of Critical Care. The Company’s first collaborative effort with the U.S. Army, this study involved combat casualties for whom EKG files were analyzed by several competing methods. Vicor’s PD2i™ nonlinear algorithm was the only method that correctly identified the need for immediate life-saving intervention in all cases.

American Heart Journal
A Reduction in the Correlation Dimension of Heartbeat Intervals Precedes Imminent Ventricular Fibrillation in Human Subjects appeared in Elsevier’s American Heart Journal. In this study, the PD2i™ nonlinear algorithm and software demonstrated a sensitivity of 100% and a specificity of 83%.

Ongoing Studies
In addition, Vicor is currently involved in several ongoing studies which will be submitted to appropriate publications when complete.

Vicor Technologies, Inc. (http://vicortech.com)
2300 NW Corporate Blvd.
Suite 123
Boca Raton, FL 33431
877.528-PD2i (7324)
info@vicortech.com

Disclaimer and Forward-Looking Statements
The appearance of name-brand institutions or products in this profile does not constitute endorsement by the U.S. Army Institute of Surgical Research, the U.S. Army Medical Research and Materiel Command, the Department of the Army, Department of Defense or the U.S. Government of the information, products or services contained therein.

Forward-looking statements in this profile are based on current plans and expectations that are subject to uncertainties and risks, which could cause the Company’s future results to differ materially. The following factors, among others, could cause the Company’s actual results to differ: the Company’s ability to obtain FDA approval of the PD2i VS™ (Vital Sign) for military and civilian applications and the PD2i CA™ (Cardiac Analyzer), the Company’s ability to continue to receive financing sufficient to continue operations and complete the critical clinical trials; the Company’s ability to continue as a going concern; the Company’s ability to successfully develop products based on the Company’s technologies, included but not limited to the Company’s ASP distribution model for the PD2i Analyzer™; the Company’s ability to obtain and maintain adequate levels of third-party reimbursement for the Company’s products; the impact of competitive products and pricing; the Company’s ability to receive regulatory approval for the Company’s products; the ability of third-party contract research organizations to perform preclinical testing and clinical trials for the Company’s technologies; the ability of third-party manufacturers to manufacture the Company’s products; the Company’s ability to retain the services of the Company’s key personnel; the Company’s ability to market and sell the Company’s products successfully; the Company’s ability to protect the Company’s intellectual property; product liability; changes in federal income tax laws and regulations; general market conditions in the medical device and pharmaceutical industries; and other matters that are described in Vicor’s Annual Report on Form 10-K for the fiscal year ended December 31, 2008 and subsequent filings with the Securities and Exchange Commission. Forward-looking statements in this press release speak only as of the date of the press release, and Vicor assume no obligation to update forward-looking statements or the reasons why actual results could differ.

Pentony Enterprises LLC is STOCKGURU.COM. 10604 Robincreek Lane; Frisco, Texas 75035. (469) 252-3030. Disclosure: Pentony Enterprises LLC was compensated fifty thousand restricted common shares and seventy-two hundred dollars by the company for profile coverage for the period ending March 31, 2010. Pentony Enterprises is not a registered investment adviser or a broker/dealer. Pentony Enterprises LLC makes no recommendation that the purchase of securities of companies profiled in this web site is suitable or advisable for any person, or that an investment in such securities will be profitable. In general, given the nature of the companies profiled and the lack of an active trading market for their securities, investing in such securities is highly speculative and carries a high degree of risk. We will not be buying or selling shares of Vicor during the promotional period.

Halo Companies, Inc.
Website: http://www.HaloCo.Com

One Allen Center
Suite 500
700 Central Expressway South
Allen, TX 75013
Phone: 214-644-0065

About Halo Companies, Inc.

Halo Companies, Inc. is a nationwide holding company based in Allen, TX with eleven subsidiaries that operate primarily in the consumer financial services industry including debt, mortgage, real estate, credit, loan modification, insurance and portfolio advisors. Halo has been recently recognized by Inc. Magazine, Comerica Bank’s Collin 60, and the SMU Cox School of Business Dallas 100. For more information about Halo Companies, Inc., visit www.haloco.com.

Halo Companies, Inc.

Website: http://haloco.com

Understand the Issues. Create a plan. Obtain the Best People. Manage the Growth.

Halo Companies, Inc. (OTCBB: HALN) (“Halo Companies” – “Halo”) understands the financial issues Americans are facing at a time, when for many, the American dream has become the American nightmare. The country of easy credit, rising home values, stable retirement investment accounts and 4.4 million jobs no longer exists. That’s over. That’s History.

Halo Companies is composed of twelve companies and over 100 employees assisting consumers in achieving their financial goals.

Halo diversifies its business into two categories:

• Origination: such as mortgage, insurance and residential real estate services
• Mitigation: including debt settlement, loan modification and credit repair services

Founded in 2004, Halo achieved right at $5 Million dollars in revenue in 2008, which represents a stunning growth of 506%. In an economy where many companies are struggling to maintain status quo, Halo continues to thrive. The numbers show, as a result of these challenging financial times, more and more people seek professional advice and solutions where their money is concerned.

Halo’s growth is confirmation of the performance of its unprecedented and effective business model.

Halo’s full suite of services provide assistance to consumers in times of financial distress. These services include mortgage loan modification, unsecured debt resolution and credit management. Additionally, Halo offers mortgage lending, real estate representation, and insurance protection to help each consumer accomplish the dream of homeownership.

Halo Companies, Inc. Meets Huge Demand for Broad Based Financial Services

As middle-class as McDonald’s, as technologically savvy as E-Trade, as ubiquitous as UPS, and as astute as Goldman-Sachs: Halo Companies emerges on the financial horizon with the ONLY stable and complete solution for combating the greatest threat to American home ownership and the very financial engine of the middle-class.

The Company represents precisely what smart business people do when they are free to make the most of their talents and resources in open exchanges with other people who require their knowledge, service and expertise.

Immense possibilities for the Company’s economic growth have been unleashed by providing unprecedented, all encompassing financial solutions to the financially distressed through access to the multitude of financial solutions required in our complex economic times.

• In 2008, Halo experienced significant growth when sales grew to 252% of 2007’s numbers
• Currently Halo has over 100 employees and independent contractors
• Halo’s facilities include 34,618 square feet located in One Allen Center located on Central Expressway, a major thoroughfare in One Allen Center, Allen, Texas, which is 23 miles north of downtown Dallas
• Website: http://www.myhalogroup.com/

Nine of the 12 Halo companies have distinct core competencies and able to operate as stand-alone businesses.

	Halo Debt Solutions, Inc. is an industry leader in debt settlement services, negotiating and settling various types of unsecured debts, saving clients thousands of dollars. Halo Debt revenue has significantly increased over the past year with top line revenues of $2.02M for the three months ended September 30, 2009.
	Halo Group Mortgage, LLC continues to thrive in a down market due to its conservative lending approach and commitment to high quality loans. Now more than ever, there is an opportunity to rise up as a major player in the mortgage markets, supplemented by Halo’s full suite of related services.
	Halo Group Realty, LLC will further Halo’s mission to provide a one-stop-shop of financial services and will allow for the opportunity to maximize profitability through increased synergy between its subsidiaries.
	Halo Credit Solutions, LLC disputes credit report inaccuracies and errors on behalf of a consumer, over a six-month time frame or less. The consumer exits the program with a guaranteed accurate credit report as verified by the credit reporting agencies.
	Halo Benefits, Inc. evolved to manage business relationships and strategic partnerships that positively affect several of the companies under the Halo umbrella. Key business-to-business marketing concepts and a centralized consumer-based call center were established to facilitate the marketing needs of the subsidiaries. Halo Benefits has implemented two programs that have the opportunity to quickly grow the customer base for each company within the Halo family. These efforts are WeCare and HaloCare.
	Halo Loan Modification Services, LLC has created an innovative and holistic approach to mortgage default resolution that is unparalleled in the industry. This unique strategy will put borrowers into a systematic and streamlined work-out process establishing affordable, long-term mortgages while achieving an improved return for bankers and investors compared to foreclosure.
	Halo Select Insurance Services, LLC is a partner in Halo Choice Insurance Services, LLC, a company in which Halo Companies, Inc. owns a 49% interest. Halo’s extensive client database is expanding every day. The ability to offer a highly-utilized product such as Property and Casualty insurance at a cost savings will translate into a better financial position for Halo’s clients and produce another steady revenue stream for Halo.
	Halo Financial Services, LLC is a consumer debt education, analysis and workout program that utilizes cutting edge technology and algorithms to produce the best scenario determined for each individual. The Halo Smart technology is derived from thousands of case studies which were evaluated and logged with consideration based on multiple factors. Factors state, region, income level, debt load, type of debt, and many others.
	Halo Portfolio Advisors, LLC leverages the complete Halo business-to-consumer suite of services to market turnkey solutions to lenders. The company’s operational support services allow endless opportunities for strategic B2B relationships with major debt servicers.

B2B and B2C Divisions

• Business-to-Consumer (B2C) Services are provided through group contractual agreements and on an individual basis to consumers
• Business-to-Business (B2B) Services are provided under portfolio management, employer benefits and financial education

Many debt servicers are currently overwhelmed with imposed programs that require more resources–such as people, money, and time–than are necessary to be effective. The driving force behind a typical distressed asset is often not a single factor, but rather several contributing factors. When a loan is underperforming, it may be due to other outside influences of financial stress, such as a high unsecured debt load held by the consumer. Halo Portfolio Advisors’ operational support services allow endless opportunities for strategic B2B relationships with major debt servicers.

Hedge funds and other entities have recently purchased huge lots of mortgage portfolios. Halo is ready to step up to the plate and address the fundamental issues to service these mortgages.

Halo Benefits, Inc. sells Halo’s services as a bundled package through business relationships and strategic partnerships.

Halo facilitates the acquisition of additional companies and provides capital and expertise to increase the volume and profitability of each subsidiary.

Halo Companies’ Business Model

The Company’s stunning rise has eclipsed the more traditional one prong financial solution companies by creating The Financial Service Company of the Future. This unprecedented business model – of a one stop shop for financial services — has come of age – providing the ultimate business model in a time of countless job losses, home losses, the decimation of retirement accounts and untold family upheavals.

Halo has married the brightest minds in technology with those of finance in a collaboration which has produced a company setting a new standard in the industry.

Halo’s positive financial implications of Halo’s one step at a time, custom tailored financial solutions which delivers dynamic business results for clients in a multitude of fiscal areas creates lasting shareholder value. Halo Companies provides the middleclass a chance, an opportunity to regain their life and their lifeline while building a dynamic company with subsidiaries capable of enhancing mutual growth.

Financial Difficulties Multi-lateral and Complex for Clients

The industry as a whole typically does a poor job of addressing the total debt load of a borrower. Most models used to qualify a borrower for a loan modification use crude estimates of the borrower’s debt load. Buying behavior and future suitability and accountability are not fully developed or tracked. The servicer is solely focused on the overwhelming number of defaults before it, and concentrates only on the loan it services.

Halo Companies addresses the fact that financial difficulties are not singular. Most clients will have several issues which are interrelated.

In historic American fashion and proportion – out of the chaos, in the truest capitalistic fashion – a solution is born in a time of the most devastating recession since the Great Depression.

Halo Companies, Inc. recognized the difficulties and provided a solution. The middle class is in free fall and there is no one coming to their rescue.

• One in seven households with mortgages was either in foreclosure or delinquent on payments at the end of September 2009, according to the most recent data available from the Mortgage Bankers Association
• Some owners are defaulting because they have lost their jobs. Some are giving up their homes because the value has fallen below what they owe
• Prices have fallen 29% from their July 2006 peak to October 2009, based on the S&P/Case-Shiller Home Price Index, which tracks home values in 20 cities
• Nearly one in four mortgage holders owe more than their homes are worth, according to First American CoreLogic
• Potential buyers of new homes are trapped in homes they are unable to sell
• Nearly 6.2% of mortgages in Arizona, 9.4% of mortgages in Nevada, 5.8% in California were in foreclosure according to the Mortgage Bankers Association. 37,000 Connecticut mortgages or one in every 14, were in foreclosure or 90 days past due, with unemployment at 8.2 percent
• National rates indicate one in 11 mortgages in foreclosure or 90 days late
• National jobless rate stands firmly at 10 percent
• Clients have ongoing debts accumulating after losing their jobs

Halo’s approach indicates a full understanding of the fundamental reality of distressed middle America. Many have reduced incomes, homes worth more than what is owed and overwhelming credit card debt.

Obtain the Best People

The perfect marriage of financial experience and in-depth understanding of the all encompassing lapse of our financial system has produced Halo Companies. Halo does more than understand; it translates complex financial issues with their knowledge and technology into customized solutions for their clients’ specific needs.

Scalable technology has served to provide a one stop shop solution for a target demographic of middle-class Americans who have been the victims of this country’s financial chaos.

Halo understands the effect hiring the right employees, surrounding them with great managers, and engaging them in their work.

Officers and Directors

Cade Thompson, Chairman/CEO/Director
A Co-Founder of Halo Companies, Inc., Cade Thompson has a proven record in multiple financial services industries. Graduating from Abilene Christian University studying Finance, Accounting, and History, Thompson gained further insight and experience while studying abroad as a Presidential Scholar at Oxford University.

After earning his Series 7, Series 63, and Life & Health Licenses, he helped build a prospering financial advising agency under the umbrella of the broker dealer, World Group Securities. During the refinance surge at the turn of the decade, he expanded his experience by joining and eventually owning Halo Group Mortgage. Since then, Thompson has been instrumental in the developmental growth of Halo and its subsidiaries.

Paul Williams, Vice Chairman/CFO/Director
Paul Williams has over 30 years of business experience primarily in the capital markets and mergers & acquisitions. Williams has served as the Chairman or CEO of numerous companies operating in various industries, both domestic and international, including one other publicly-traded company. He has helped open company offices in China, Russia and Latin America. Williams is also heavily involved in local, state and national civic affairs. He was appointed to three terms on the Board of the Texas Economic Development Council in Austin.

In 2009, Williams was awarded the CFO of the Year Award by the Dallas Business Journal for companies under $50 million in revenue. In 2007, Williams served as the Chairman of the Board for the Frisco Chamber of Commerce. He still serves on the Board today, and has also served on the boards of three other local and regional chambers in years past. He recently served two years on the advisory board of a local bank. Williams graduated from Austin College in Sherman with a double-major in Economics and Business Administration. He also graduated from the Institute of Organization Management.

Tony Chron, President/Director

Tony Chron joined Halo Companies, Inc. in September 2009 to serve as President, bringing with him more than thirty-three years of experience in both public and private companies. Prior to joining Halo Companies, Inc., Chron was a Senior Partner with Trademark Property Company, a major mixed-use and retail developer and served in various executive capacities including, most recently, as Executive Vice President. Chron also served as Associate Corporate Counsel and Director of Real Estate and Property Management for Pier 1 Imports, Inc., General Counsel and Vice President of Real Estate for Sunbelt Nursery Group, Inc., and Vice President of Real Estate and Real Estate Legal for Michaels Stores, Inc.

Chron has been a licensed attorney in the State of Texas for more than twenty-six years. Chron graduated with his Juris Doctor degree from South Texas School of Law in 1983. He also has a Bachelor of Science degree from Abilene Christian University.

Jimmy Mauldin, Chief Strategy Officer/Director

A Co-Founder of Halo Companies, Inc., Jimmy Mauldin has broad strategic experience, primarily in sales and marketing. Mauldin has a proven track record, setting a national sales record with Henco, Inc., serving as Vice President of Sales for Associated Publishing, Co., and developing multiple start-up companies, including several e-commerce programs.

Mauldin served as Founder and Chief Executive Officer of Fund America Now, a national fund-raising company, and also established and serves as a director for the Halo Institute for Financial Education, a 501(c)(3) corporation.

Scott McGuane, Chief Marketing & Sales Officer

Scott McGuane joined Halo Companies, Inc, in January 2009, bringing with him more than twenty years of experience in financial services, retail lending and residential mortgage with companies such as Accredited Home Lenders, Inc., Bear Stearns, Citigroup, and AIG. Before that, McGuane provided consulting for strategic planning, mergers and acquisitions process reengineering and change management across a wide range of industries, including start-up ventures, non-profits, banking, telecommunications, energy and public utilities.

He has successfully managed product pricing and positioning, lead system development, licensing, operational responsibilities, and marketing efforts such as branding, point-of-sale, branch offices, online, direct mail, and telemarketing. McGuane received his Master of Business Administration at Southern Methodist University in Dallas, Texas and received a Bachelor of Science from Central Washington University in Ellensburg, Washington.

T. Craig Friesland, Chief Legal Officer/Director

T. Craig Friesland is a Co-Founder of Halo Companies, Inc. Additionally, Friesland practices law in his own firm. Previously, he practiced with one of the largest law firms in Texas for over six years. Friesland was admitted to the State Bar of Texas in 1998 and serves as a member of the Real Estate, Probate, and Trust Law Section, and the Taxation Section of the State Bar of Texas. He is also a member of the Probate, Trusts, and Estates Section, and the Tax Section of the Dallas Bar Association.

Friesland graduated with his Juris Doctor degree from Baylor University School of Law in 1998. He also has a Master of Business Administration degree from Baylor University and a Bachelor of Business Administration degree in Finance from The University of Texas at Austin.

Richard Morris, Director

Richard G. Morris, a Co-founder of Halo Companies, has served as a Director since its inception in January 2007. Prior to joining Halo Companies, he served in various positions with United Parcel Service from 1976 until March 2002, most recently, from January 2001 to March 2002 as one of its three District Operations Managers. In that role, Mr. Morris was responsible for 5,400 employees, a staff of 18 senior managers, a monthly operating budget of approximately $28 million, and revenues in excess of $35 million. After departing UPS in July 2002, Mr. Morris became the principal owner of Rammco Distributors, Incorporated, an equipment rental company which he still owns.

In July 2004, Mr. Morris co-founded Blue River Development, Inc., a real estate investment and development company, and is currently the sole owner and operator of this company. In August 2008, Mr. Morris acquired Port City, Inc., a plastics manufacturing company which Mr. Morris also currently owns and operates.

Manage Growth

Halo Companies has carefully focused its growth on sustainable and productive relationships. Extensive research and development frame Halo’s consulting model, which is built on an algorithmic foundation that creates sustainable client relationships and authentic growth.

Halo works to identify those clients will benefit most from its solutions and return the clients to a solid financial base. Halo’s refined technological strategies deliver results that have a profound impact on the lives of its clients and in return Halo’s bottom line.

Halo Companies’ Subsidiaries

Halo Debt Solutions, Inc.
www.halodebt.com

Opportunity: The latest statistics from the Federal Reserve indicate that the total amount of consumer debt outstanding in the United States stands at roughly $2.5 trillion dollars. Based on the latest Census statistics, that works out to be nearly $8,100 in debt for every man, woman and child in America.

Capitalizing on the Opportunity: Halo Debt Solutions, Inc. (“Halo Debt”) is an industry leader in debt settlement services, negotiating and settling various types of unsecured debts, saving clients thousands of dollars.

Results: Halo Debt revenue has significantly increased over the past year top line revenues of $2.02MM for the three months ended September 30, 2009, Halo Debt reported $2.37MM for the three months ended June 30, 2009, and $2.15MM for the three months ended March 31, 2009 as compared to top line revenues of $1.04MM for the three months ended September 30, 2008, $863K for the three months ended June 30, 2008, and $654k for the three months ended March 31, 2008.

Competitive Advantage: Within Halo Debt, a team of industry experts has built and continually maintains a cooperative relationship with creditors to provide the best possible results for each client’s debt situation. To avoid ineffective and costly efforts of an outside collection company, creditors work cooperatively with companies like Halo Debt to reduce a client’s debt balances.

Model: The primary goal is to help clients achieve a debt-free lifestyle. Halo Debt’s programs are developed with affordable payment plans, based upon the client’s personal financial situation. The majority of the payment plans are designed to eliminate each client’s debt in 12 to 48 months. The average negotiated settlement offer is $0.43 (forty-three) cents on the dollar.

Halo Group Mortgage, LLC
www.halogm.com

Opportunity: Over the last year, the world has watched the American mortgage industry teeter on the brink of collapse. Thousands of mortgage company employees have lost their jobs while hundreds of thousands of Americans have lost their homes due to the millions of non-performing loans that were originated in past years.

Capitalizing on the Opportunity: Halo Group Mortgage, LLC (“Halo Group Mortgage”) has not only survived this crisis, but continues to thrive in a down market due to its conservative lending appetite and commitment to high quality loans. Now more than ever, there is an opportunity to rise up as a major player in the mortgage markets.

Results: Halo Group Mortgage recognizes the impact that home ownership has in strengthening both families and communities, while providing fuel for economic growth for our country. By providing the best loan products for its customers, Halo Group Mortgage hopes to increase the opportunities for home ownership within local communities and across the nation.

Competitive Advantage: Halo Group Mortgage has the resources to assist consumers in achieving their financing goals, unlike any other mortgage broker in the marketplace.

Model: Halo Group Mortgage is a full service, Texas-based, mortgage brokerage institution in the retail lending environment, serving strategic U.S. markets for “A” paper residential mortgage loans. Currently licensed in four states, Halo Group Mortgage specializes in partnering America’s top banks with both current and potential homeowners for the closing of real estate mortgage transactions. Halo Group Mortgage can earn up to 5% of the loan amount for providing this service.

Halo Group Realty, LLC
www.halogr.com

Opportunity: The addition of Halo Group Realty, LLC (“Halo Group Realty”) will further Halo’s mission to provide a one-stop-shop of financial services and will allow for the opportunity to maximize profitability through increased synergy between our subsidiaries.

Capitalizing on the Opportunity: Halo estimates that over two-thirds of the customers in the credit repair process are motivated to purchase a new home. Many debt settlement customers are also motivated to own a home in the near future. In addition, many of our mortgage clients begin their process with a pre-approval before choosing a home. Halo Group Realty is a logical progression for a Halo client, regardless of the client’s starting point.

Results: Halo Group Realty will capitalize on the internal lead development of the other Halo entities and as a byproduct will materialize the final step in the home ownership process. This will add additional revenue and increase brand awareness by having Halo signage in yards across the country.

Competitive Advantage: Halo Group Realty has the ability to serve a larger segment of potential homebuyers by leveraging the tools offered by Halo. In contrast, a competing realtor will narrowly focus on the homebuyer who will make an immediate purchase decision. Halo Group Realty will therefore have contact with its customers for a longer amount of time, will generate a larger pipeline of business for its realtors, and ultimately provide more tangible benefits to our customers than are available from Halo’s competitors.

Model: Halo Group Realty’s listings will be charged at 6%. When serving buyers, Halo Group Realty will generate revenue from 3% commissions and any bonuses available for the sale. In addition, Halo Group Realty will earn commissions from referrals to apartment complexes, and build a pipeline of business for Halo Credit and Halo Group Mortgage.

Halo Credit Solutions, LLC
www.halocredit.com

Opportunity: The U.S. Public Interest Research Companies (PIRG) has established that 79% of all credit reports in the U.S. contain errors that affect the credit score, 30% listed closed accounts as still open, and 25% contain errors serious enough to prevent the consumer from obtaining a loan.

Capitalizing on the Opportunity: Halo Credit Solutions, LLC (“Halo Credit”) disputes inaccuracies and errors on behalf of a consumer, over a six-month time frame or less. The consumer exits the program with a guaranteed accurate credit report as verified by the credit reporting agencies.

Results: Halo Credit has found that by correcting inaccurate information, the average customer’s FICO score increases by 56 points. A graduate of Halo Credit is more likely to be approved for financing, qualify for better interest rates, and be deemed “credit worthy.”

Competitive Advantage: Halo Credit uses proprietary credit repair management software to effectively manage thousands of credit disputes. A single credit processor can accurately maintain the dispute process for hundreds of clients at a time. In comparison, a processor could previously manage only a handful of customer disputes per month. As a result, each dispute is handled in the same manner time after time, assuring quality results. And due to the time savings, each customer receives personal attention on his or her account from a trained Halo Credit consultant.

Model: The cost of credit restoration is $199. Credit repair is both an integral part of the overall financial solutions that Halo Credit provides and a critical lead generating product utilized to capture increased national exposure for all the other subsidiaries. With its efficiency, Halo Credit maintains a healthy profit margin on each new client. Fixed costs are covered with a minimal amount of new customers per month. Due to Halo Credit’s efficiency, as customer acquisitions increase the variable costs of scaling up decrease on a percentage basis.

WeCare:
WeCare partners with homebuilders in order to increase the credit worthiness of potential homebuyers through Halo’s services. When a potential homebuyer cannot qualify for a home loan, the client is referred to Halo to settle outstanding debt or restore credit. At the end of Halo’s work, the potential homebuyer is then referred back to the homebuilder through Halo Group Mortgage.

Halo Benefits, Inc.

Opportunity: As of mid-2007, each Halo subsidiary exclusively used direct-to-consumer marketing channels, but was lacking in any type of business-to-business channel. Additionally, each subsidiary individually managed its own consumer marketing efforts with no centralized strategy.

Capitalizing on the Opportunity: Halo Benefits, Inc. (“Halo Benefits”) evolved to manage business relationships and strategic partnerships that positively affect all of the companies under the Halo umbrella. Several key business-to-business marketing concepts and a centralized consumer-based call center were established to facilitate the marketing needs of each subsidiary.

Results: Halo Benefits has implemented two programs that have the opportunity to quickly grow the customer base for each company within the Halo family. These efforts are WeCare and HaloCare.

Model: Halo Benefits has created business partnership opportunities such as the following:

WeCare:
www.wecareonline.org

WeCare partners with homebuilders in order to increase the credit worthiness of potential homebuyers through Halo’s services. When a potential homebuyer cannot qualify for a home loan, the client is referred to Halo to settle outstanding debt or restore credit. At the end of Halo’s work, the potential homebuyer is then referred back to the homebuilder through Halo Group Mortgage or Halo Group Realty.

HaloCare:

HaloCare offers financial solutions through Benefit Groups, Employee Assistance Programs and insurance programs on a per-member per-month (PMPM) basis. The association or group pays Halo a fee for their members to have access to Halo’s financial solutions, creating an additional source of revenue. In return, Halo’s services are offered to group members at a slightly reduced cost.

Halo Loan Modification Services, LLC
www.haloloanmod.com

Opportunity: The latest statistics from the Federal Deposit Insurance Corporation indicate that 6.4 million loans are currently past due or are projected to become delinquent by mid-2010. Recidivism rates are reaching all-time highs at close to 50% for most servicers across the nation which, coupled with overwhelming consumer response, are leaving servicers unable to respond in a timely and efficient manner.

Capitalizing on the Opportunity: Halo Loan Modification Services, LLC has created an innovative and holistic approach to mortgage default resolution that is unparalleled in the industry.

Results: This unique strategy will put borrowers into a systematic and streamlined work-out process establishing affordable, long-term mortgages while achieving an improved return for bankers and investors compared to foreclosure. This type of approach can help stabilize the U.S. financial markets by minimizing foreclosures.

Competitive Advantage: To truly improve and resolve the re-default rates of the consumer due to poor financial decisions and obligations, Halo has developed an ongoing strategy to assist the consumer with unsecured debt burden, credit challenges, and general financial education. This multi-tiered approach will further improve the future performance of the modified loan and provide a fundamental shift in the methods and models previously used and that perpetuated the ever growing mortgage meltdown.

Model: Halo’s loan modification approach adopts the streamlined effectiveness of government sponsored loan modification programs and provides both the borrower and investor complete transparency into the decision making process. The result is consistent and predictable improvement to investors, reduced costs to both servicers and borrowers, and a thoroughly integrated approach to restoring financial integrity.

Halo Choice Insurance Services, LLC
www.halochoice.com

Opportunity: Halo’s extensive client database is expanding every day. As the number of financially-distressed individuals seeking Halo’s assistance increases, so does Halo’s warm market. The ability to offer a highly-utilized product such as Property and Casualty insurance at a cost savings will translate into a better financial position for Halo’s clients and produce another steady revenue stream for Halo.

Capitalizing on the Opportunity: Many of the clients presently utilizing Halo’s Debt Settlement, Credit Repair, Loan Modification, Mortgage and Real Estate companies may be currently overpaying for insurance services. Halo offers its clients competitively-priced insurance products that will save them money by providing a cost savings on monthly insurance premiums already allocated in their monthly budgets. This reduction in premium expense will free up cash flow for financially distressed clients, allowing them to settle their outstanding debt obligations much faster or accumulate and save additional funds for greater long term financial security.

Results: Halo will give clients a better all-around financial position through which to navigate these uncertain economic times. Halo’s current expectation is to attract and engage clients currently utilizing other Halo products, to use Halo’s insurance products – not just at the point of sale – but as ongoing conversions throughout Halo’s various product lifecycles.

Competitive Advantage: By adding a broad spectrum of insurance products to its current product offerings, Halo can now position itself before tens of thousands of clients – clients who are already enrolled in products and services offered by other Halo subsidiaries – and who would welcome a value-added product offering from the company they already know and trust.

Model: Halo Select Insurance Services, LLC is a partner in Halo Choice Insurance Services, LLC, which is currently licensed in Texas, New Mexico, Oklahoma, and Mississippi and represents the lines of hundreds of insurance companies, including Safeco, Travelers, CNA, Progressive, and The Hartford. Halo is therefore not limited to the product and service offerings of a single insurance underwriter, allowing Halo the ability to identify the lowest cost alternative for clients. Specifically, Halo offers Auto, Home, Life, Health and various other insurance products to meet the needs of its clients.

Halo Finanancial Services, LLC

Opportunity: A traditional debt relief program is increasingly limited in the number of states in which it can operate. Halo Financial Services has developed a model that will allow it to operate in 47 states. That is 26 more states in which Halo can now offer debt relief services to consumers. Additionally, a wide gap exists in the marketplace for a debt relief company that provides education and in-depth analysis specific to the consumer’s profile before recommending a solution for that consumer.

Capitalizing on the Opportunity: Few if any debt relief companies have the resources to perform the analysis Halo Financial Services offers. The company provides education & analysis based on a proprietary algorithm that takes into account multiple factors within a consumer’s financial portfolio and history and then weighs them according to their significance to the consumer’s specific situation. Factors include consumer risk tolerance, discretionary income, propensity to repay, debt load, type of debt, state, and region.

Results: Providing services tailored to each consumer increases client satisfaction and therefore increases client retention. Because the consumer is recommended for enrollment based on the unique analysis, the overall rate of program success continues to increase. Clients that do not qualify for the programs provided directly by Halo can still be monetized by Halo through relationships with bankruptcy networks and debt management and credit counseling companies.

Competitive Advantage: Halo’s unique ability to provide multiple solutions under one roof offers more value to the consumer. In addition, Halo’s technology allows the company to manage a higher volume of consumers with an increased efficiency of resources that incorporates the predictability of results.

Model: The primary goal is to help consumers find the right program for their financial profile allowing for the highest degree of success. Halo Financial Services is designed with a minimal upfront fee, very small monthly service charge, and a success fee only after the accounts have been settled and satisfied.

Halo Portfolio Advisors, LLC

Opportunity: In today’s economy, lenders are experiencing an overflow of distressed assets. Many debt servicers are currently overwhelmed with imposed programs that require more resources–such as people, money, and time–than are necessary to be effective.

Capitalizing on the Opportunity: The driving force behind a typical distressed asset is often not a single factor, but rather several contributing factors. When a loan is underperforming, it may be due to other outside influences of financial stress, such as a high unsecured debt load held by the consumer. Halo Portfolio Advisors’ operational support services allow endless opportunities for strategic B2B relationships with major debt servicers.

Results: Halo Portfolio Advisors’ servicing capacity allows for the management of a diverse portfolio of loans. Halo’s technology systems are bundled with transparency, accountability, efficiency, speed, and flexibility. This unique strategy deposits borrowers into an intelligent, results-driven process that establishes affordable, long-term mortgages while also achieving an improved return for lenders and investors, when compared to foreclosure.

Competitive Advantage: Halo’s approach can help stabilize the U.S. financial markets by minimizing foreclosures on the 6.4 million loans that are currently past due or are projected to become delinquent by mid-2010. Halo’s technology can provide deeper insight into the complete financial picture of a borrower – an insight that is unprecedented in the industry today.

Model: Halo Portfolio Advisors leverages the complete Halo business-to-consumer suite of services to market turnkey solutions to lenders.

Halo Companies Inc. National and Regional Recognition

Halo has been recently recognized by Inc. Magazine, Capital One Bank, Comerica Bank’s, and the SMU Cox School of Business.

Halo Companies, Inc. Honored with Celebration of Enterprise Award

November 05, 2009 – Honored by Capital One Bank recently when it received the Celebration of Enterprise Award. The Celebration of Enterprise Award is designed to recognize entrepreneurial spirit and reward those who saw significant economic growth and overcame daunting obstacles to achieve that growth. Halo Companies, Inc. was selected from a group of seven finalists as the winner of their category.

Dallas CFO of the Year Award

October 27, 2009 – Chief Financial Officer Paul Williams honored as the recipient of the Dallas CFO of the Year Award. The award is judged and presented as a part of the Dallas Business Journal’s annual awards program. Under Williams’ financial leadership during the last year, Halo has seen impressive growth and increased shareholder value at a rate of 252%.

Paul Williams has over 30 years of business experience primarily in the capital markets and mergers & acquisitions. The CFO of the Year finalists were selected for being among the most outstanding CFOs in North Texas. Candidates were considered for their contributions to their company’s growth and/or profitability, areas of corporate management in addition to the CFO role, as well as contributions to the community outside the company. Finalists and winners were selected by an independent judging panel consisting of past winners and recommended judges from ACG, the Dallas CPA Society, and FEI.

President Mortgage Orb Person of the Week

August 28, 2009 – Scott McGuane, president of Halo Companies, Inc., was recognized by mortgageorb.com as Person of the Week. The recognition includes a feature of Mr. McGuane on mortgageorb.com where he answers questions about the challenges facing the mortgage industry and provides insight to forward-looking solutions that Halo Companies, Inc. actively seeks to provide.

Scott McGuane joined Halo Companies, Inc. in January to serve as president. Mr. McGuane has more than twenty years’ experience in financial services, retail lending and residential mortgage with companies such as Accredited Home Lenders, Inc., Bear Stearns, Citigroup, and AIG. Before that, McGuane provided consulting for strategic planning, mergers and acquisitions process reengineering and change management across a wide range of industries.

Inc. Magazine Recognizes Halo as One of the Fastest Growing Companies in America

August 18, 2009 – Halo Group, Inc., a subsidiary of Halo Companies, Inc., was recognized by Inc. Magazine this month in the 28th annual issue ranking the fastest growing private companies in America. Halo was recognized as the 533rd fastest growing company in America.

Inc. Magazine publishes a comprehensive listing of the fastest growing companies in America each year. The list is composed of companies that range across industries from construction and manufacturing to financial services. Halo Group, Inc. was recognized as number 16 in the region and 23 in the financial services industry. The list can be viewed in its entirety online at www.inc.com.

Inc. Magazine, delivers advice, tools, and services, to help business owners and CEOs start, run, and grow their businesses more successfully. You’ll find information and advice covering virtually every business and management task, including marketing, sales, finding capital, managing people, and much, much more. Visit www.Inc.com for more information.

Comerica Bank Recognition as Third Fastest Growing Company in Region

June 23, 2009 – Honored by Comerica Bank by earning the third spot in the annual Collin 60. The Comerica Bank Collin 60 showcases the FASTEST growing companies in one of the fastest growing counties in the country. Collin County is one of the fastest growing counties in America, and 15,000 companies call Collin County home, making this a significant achievement to be recognized as the 3rd fastest growing company in this community.

The Comerica Bank Collin 60 has been established to show the world the strength of business in this dynamic growth area of the country. The cities of Allen, Celina, Far North Dallas, Farmersville, Frisco, McKinney, Melissa, Murphy, Plano, Prosper, Richardson and Wylie and many others are included in the search.

Halo Companies, Inc.
One Allen Center
Suite 500
700 Central Expressway South
Allen, TX 75013
Phone: 214-644-0065

http://haloco.com

Cautionary Language Concerning Forward-Looking Statements:

Information set forth in this profile contains financial estimates and other forward-looking statements that are subject to risks and uncertainties, and actual results might differ materially. A discussion of factors that may affect future results is contained in Halo Companies Inc.’s filings with the Securities and Exchange Commission. Halo Companies, Inc. disclaims any obligation to update and revise statements contained in this profile based on new information or otherwise.

Disclosure

Pentony Enterprises LLC is STOCKGURU.COM. 10604 Robincreek Lane; Frisco, Texas 75035. (469) 252-3030. Disclosure: Pentony Enterprises LLC was paid thirteen thousand dollars by the company for profile coverage. Pentony Enterprises is not a registered investment adviser or a broker/dealer. Pentony Enterprises LLC makes no recommendation that the purchase of securities of companies profiled in this web site is suitable or advisable for any person, or that an investment in such securities will be profitable. In general, given the nature of the companies profiled and the lack of an active trading market for their securities, investing in such securities is highly speculative and carries a high degree of risk. We will not be buying or selling shares of Halo Companies, Inc. (OTCBB: HALN) during the promotional period.

Location Based Technologies, Inc.

OTCBB: LBAS

4989 E. La Palma Ave.
Anaheim, CA 92807

Phone: (800) 615-0869
Fax: (714) 200-0287

Websites

Corporate – www.LocationBasedTech.com
Pocketfinder – www.PocketFinder.com
Investor Relations: www.RedwoodConsultants.com

Company Profile:

Location Based Technologies (OTCBB: LBAS)  based in Anaheim, Calif., is a leading edge developer and provider of personal locator devices and services utilizing patented, proprietary technologies to enhance and enrich the lives of families globally.

The company is located in Orange County, California and its mission statement is “Linking People through Technology”.  The company utilizes existing  and emerging technology to safeguard people, pets, or possessions, and to help families stay connected.

Location Based Technologies (OTCBB: LBAS)  uses internal research to develop a wide variety of innovative technologies with the primary goal of integration with its GPS based retail products and services.  The company’s focus on internal research gives it the ability to quickly innovate and improve products, and give it a technological advantage in the location based industry.  LBAS makes its expertise available to direct partners through a technology licensing program, a winning situation for all parties

LBAS is in the business of providing products and services that provide “peace of mind” and security in knowing that people, animals, and valuables are safe.  The company provides both switch and network-based products that utilize wireless data services, voice recognition, and location-based tracking services.  The company hosts computer application software to search and retrieve data from databases and computer networks on a monthly basis for subscribers.

The primary product LBAS is know for is Pocketfinder. The device, shown above in its charging unit, is very small and can easily be concealed in a pocket or a purse. The device is great for keeping a safe watch on your kids or a family member who might get lost.

Petfinder is the same device used for keeping your pet safe. It easly goes on a dog’s collar, and allows you to know that your dog is safe.

Pocketfinder Luggage keeps a safe eye on your bag. If your flight makes it to New York and your bag makes it to New Zealand, you are going to know where to have the airline search.

LD Holdings, Inc.

OTCBB: LDHL

1070 Commerce Drive, Building 2, Suite 303
Perrysburg, OH 43551

Phone: 419-873-1111
Fax: 419-873-1141

Website:

www.LDHoldings.com
LD Holdings, Inc., (Symbol LDHL), has adopted a business model that seeks to capitalize on the massive transfer of generational assets as the “Baby-Boomer” generation transitions from the ownership of small businesses into retirement. The Baby-Boomer generation is represented by individuals born between 1946 and 1964. There are currently about 80 million Boomers in this age group.

Hague Corp. (OTCBB: HGUE) – Solterra Renewable Technologies, Inc.

OTCBB: HGUE

14220 East Cavedale Road
Scottsdale, Arizona 85262

Phone: 954-384-1487

Website:

www.solterrasolarcells.com

Email:

info@solterrasolarcells.com

Company Profile:

The Solterra Mission

Solar power is The Solterra Mission

Their mission is to become the leading producer of third generation photovoltaic cells (solar cells) through the use of Quantum Dots.

By introducing their thin film quantum dot solar cells, they plan to establish a disruptive technology that will help accelerate the conversion from a fossil fuel dependent energy infrastructure to one based on renewable and carbon-neutral energy sources. The products of Solterra Renewable Technologies will be part of the solution to energy independence, greenhouse gas emissions and global warming.

The Solterra Vision

At Solterra Renewable Technologies, their technology will make it possible to deliver grid-parity solar electricity. By setting the standard for solar technology with distinctly superior cost and capital efficiency, they strive to be the world’s largest solar energy technology company.

The Solterra Goal

Their goal at Solterra Renewable Technologies, Inc. is to uses our robust IP portfolio in third generation photovoltaic materials and solar cell processing technology to produce the lowest priced solar power available today.

Solterra Renewable Technologies, Inc. will produce high volume hybrid solar cells using revolutionary low cost Quantum Dot synthesis technology and a proprietary conjugated polymer technology that delivers unmatched efficiency and production economy.

Solterra’s process does NOT require costly silicon or slow, cumbersome vacuum processing or sputtering methods, thereby creating a new paradigm in the industry.

The Market

Solar power is already in an explosive growth mode, but here Solterra we are singularly positioned to lead the development of truly cost- effecicient and sustainable solar technology as the first company to introduce a new dimension of cost reduction by replacing silicon wafer based solar modules with a low cost Quantum Dot based solar cell module.

Solterra’s process does NOT require costly silicon rare earth minerals or slow, cumbersome vacuum processing or sputtering methods, thereby creating a new paradigm in the industry. Furthermore Solterra can produce its own high quality tetrapod quantum dots using a revolutionary patent pending process that results in cost savings up to 95% over the traditional quantum dot manufacturing process.

Low Cost Solar Cells

Using proprietary technology, Solterra Renewable Technologies, Inc. will utilize our robust IP portfolio in third generation photovoltaic materials and solar cell processing technology to produ ce the lowest priced solar power available today.

Solterra Renewable Technologies, Inc. will produce high volume hybrid solar cells using revolutionary low cost Quantum Dot synthesis technology and a proprietary conjugated polymer technology that can and will deliver unmatched efficiency and production economy.

Technology Breakthrough: Low Cost, High Effiency Cells

Quantum dots are “mega-molecules” of semiconducting materials that are smaller than living cells. Q.D.’s interact with light in unique ways to give off different-colored light or to create electrons and holes, due partly to their tiny size, partly to their shape and partly to the material from which they are made. Using proprietary technologies, Solterra Renewable Technologies, Inc. will manufacture very low cost solar cells utilizing Q.D. Technology…(less than half the price of competition). Proprietary Q.D.’s are a primary ingredient in Solterra Renewable Technologies, Inc.’s solar cells. “Our work knocks down a big barrier in developing quantum dot-based photovoltaics as an alternative to the conventional, more expensive, silicon-based solar cells,” said co-author and principal investigator Michael Wong, Assistant Professor of Chemical and Biomolecular Engineering at Rice University. Dr. Wong explained that the way towards cheaper more efficient solar cells is to manufacture them using Quantum Dots.

Quantum Dot technology is by far the most efficient method of producing solar electricity but until recently the high cost of producing Q.D.’s made their use in Solar Panels prohibitive. Solterra Renewable Technologies, Inc. has changed that with a new proprietary Quantum Dot production technology. This new technology reduced the cost of Q.D. production by more than 90%. This new Q.D. production technique, developed by Dr. Wong of Rice University has been acquired by Solterra Renewable Technologies, Inc.

By applying this proprietary low cost production technology to the manufacture of Q.D.’s and applying it to Solar Energy Cells, the cost of solar generated electricity is reduced to little more than grid price at today’s electricity price. Grid prices are expected to increase by more than 50% over the next five years. Based on the above: in five years, solar energy using the Solterra Quantum Dot Technology will be approximately half the cost of grid pricing…

Sunny Economic Forecast

The solar energy industry, which encompasses technology, research, manufacturing, training, and installation, has a direct impact on many facets of U.S. commerce. Since the 1970s, when the solar energy market was virtually nonexistent, the business of solar energy has seen 100-fold price decreases, which has led to the production of millions of watts per year and created a national market worth about $2 billion. The current U.S. solar industry employs some 20,000 men and women in high-value, high-tech jobs, representing about 300 companies, universities, and utilities (estimates based on Directory of the U.S. Photovoltaics Industry. 1996. Washington, DC: Solar Energy Industries Association [SEIA]). And by 2020, the industry is expected to grow toward a workforce of 150,000 (“Energy Alternatives and Jobs.” 2000. Renewable Energy World, 3(6):November/December, pp. 26-32). Jobs associated with the solar energy industry are in engineering, science, management, architecture, construction, planning, education, sales, skilled labor, finance, and design.

The solar industry continues to grow steadily as costs for solar systems decline in the expanding markets for renewable energy. Since the late 1990s, the market for solar energy has grown at an annual rate of 20%. The solar industry estimates that growth rates above 25% annually are possible, resulting in a $27 billion market by 2020. With technological innovations lowering costs and increased market growth leading to new jobs and export opportunities, solar energy can become a major high-tech growth industry that contributes significantly to our economic growth and improves our trade balance.

Solterra Product Innovations

Solterra will be producing and distributing a Thin Film Quantum Dot PV Solar Cell, which is differentiated from other traditional PV cells by a unique technology that can result in lower cost, higher efficiency, and broader spectral performance.

Solterra’s Quantum Dot Solar Cell can achieve a dramatically lower manufacturing cost per watt in part, because we can manufacture our own quantum dots using a patent pending, revolutionary process that results in the production of extremely desirable, high quality tetrapod quantum dots at a cost savings in excess of 95%. To our knowledge Solterra is the only solar cell manufacture to date that does not rely on outside suppliers for its primary ingredients. Their third generation quantum dot solar cells do not require custom made, expensive ,nor complex, processing equipment, and we do not use costly silicon or rare earth elements such as indium. Solterra instead will rely on low-cost screen printing and/or inkjet techniques applied to inexpensive substrates. Quantum Dot Solar Cells have extremely high potential efficiency, having demonstrated the production of multiple excitons from a single electron. This phenomonon is the key to exponential increases in conversion efficiency. Quantum dot solar cells also have the ability to harvest light energy in the infrared and ultraviolet spectra leading to better low light collection efficiency and the potential to continue harvesting energy even when little or no visible light is present.

Solterra’s Solar cells will come to market competitively priced with the opportunity to reduce prices even further as economies of scale come into effect. Additionally they believe their quantum dot manufacturing capability and print based cell manufacturing process will enable the rapid deployment of additional manufacturing sites across the globe.

The Solterra Advantage

Solterra will be producing and distributing a Thin Film Quantum Dot PV Solar Cell which is differentiated from other PV cells by a unique technology that results in lower cost, higher efficiency, and broader spectral performance. Solterra’s Quantum Dot Solar Cell achieves a dramatically lower manufacturing cost per watt because no vacuum equipment is required, no expensive silicon is required and low-cost screen printing and/or inkjet techniques are used on inexpensive substrates. Secondly, the Solterra Thin Film Quantum Dot Solar Cell has the potential to generate multiple excitons from each proton providing the potential for exponential improvements in conversion efficiency. Third, Solterra’s PV cell is not only more efficient in the early morning and late afternoon compared to crystalline silicon PV cells, but it also has the potential to harvest light energy in the infrared and ultraviolet spectra.

Solterra’s Solar cells will be competitively priced with the potential to reduce prices even further as economies of scale come into affect.  Two charts on below show the advantage in dollars and cents… and good sense!

The Solterra Leadership

Mannagement Team

Stephen Squires – President & CEO

Stephen is the Principal Inventor and Chief Technologist for Solterra Renewable Technologies, Inc., an advanced technologies innovation group. He has over 25 years experience in advanced materials and technologies. Prior to Solterra, Stephen was at McDonnell Aircraft developing and adapting advanced materials for combat aircraft applications. He was also CEO of Aviation Composite Technologies Inc., which he grew to have over 200 employees and $20 million in revenue. ACT was merged with USDR Aerospace in 2001. He has pursued his interest in advanced materials and more specifically Nano fibers and carbon Nanotubes, where he quickly recognized the potential of the unique quantum features these materials held.

David Doderer – VP

David has over 15 years of research and development experience in emerging technologies including biotechnology, nanotechnology and quantum physics. Most recently serving as principal investigator for USGN, he co-authored numerous patents/patents pending and proprietary processes, and managed Hudler Titan LLC, a technology consulting company.

Ghassen E. Jabbour, PhD – CSO

Director of Flexible and Organic Electronics Development at the Flexible Display Center (FDC) and a Professor of Chemical and Materials Engineering at Arizona State University. Professor Jabbour is also the Technical Advisory Board Leader on Optoelectronic Materials, Devices and Encapsulation at FDC. He has been selected to the Asahi Shimbun 100 New Leaders of the USA and has received the Presidential Award for Excellence from the Hariri Foundation in 1997. Dr. Jabbour’s research experience encompasses flexible-roll-to-roll-electronics and displays, smart textile, moisture and oxygen barrier technology, transparent conductors, organic light emitting devices, organic and hybrid photovoltaics, organic memory storage, organic thin film transistors, combinatorial discovery of materials, nano and macro printed devices, micro and nanofabrication, biosensors, and quantum simulations of electronic materials. Dr. Jabbour attended Northern Arizona University, the Massachusetts Institute of Technology (MIT), and the University of Arizona and is an SPIE fellow. Prof. Jabbour has authored and co-authored over 300 publications, invited talks, and conference proceedings. He is the editor of several books and symposia proceedings involving organic photonics and electronics, and nanotechnology. Prof. Jabbour is the guest editor of the MRS Bulletin issue on “Organic Photovoltaics”. He is the Chair and/or Co-Chair of over 50 conferences related to photonic and electronic properties of organic materials and their applications in displays and lighting, hybrid photosensitive materials, and hybrid integration of semiconducting and nanotechnology.

Board of Directors

Dr. Michael S. Wong – Principal Investigator, Associate Professor in Chemical and Biomolecular Engineering , Associate Professor in Chemistry (Joint Appointment)

Dr. Michael S. Wong joined the Department of Chemical Engineering in 2001, and received a joint appointment in the Department of Chemistry in 2002. Before coming to Rice University, he did post-doctoral research with Dr. Galen D. Stucky of the Department of Chemistry and Biochemistry at University of California, Santa Barbara. Michael’s educational background includes a B.S. in Chemical Engineering from Caltech, an M.S. in Chemical Engineering Practice (“Practice School”) from MIT, and a Ph.D. in Chemical Engineering from MIT (under the supervision of Dr. Jackie Y. Ying, “Supramolecular Templating of Mesoporous Zirconia-Based Nanocomposite Catalysts”). With the underlying theme of designing and engineering novel materials for catalytic and encapsulation applications, his research interests lie in the areas of nanostructured materials (e.g. nanoporous materials, nanoparticle-based hollow spheres, and quantum dots), heterogeneous catalysis, and bioengineering applications. He is particularly interested in developing new chemical app roaches to assembling nanoparticles into functional macrostructures.

Awards and Achievements

Smithsonian Magazine “37 Under 36″ Young Innovator Award (2007)
3M Non-tenured Faculty Award (2006, 2007)
GOLD 2006 Conference Best Presentation Award, for “best new idea in gold catalysis” (2006)
AIChE South Texas Section Best Applied Paper Award (2006)
AIChE Nanoscale Science and Engineering Forum Young Investigator Award (2006)
MIT Technology Review’s TR35 Young Innovator Award (2006)
Hershel M. Rich Invention Award (2006)
National Academy of Engineering Indo-America Frontiers of Engineering Symposium, Invited Speaker (2006)
Smalley/Curl Innovation Award (2005)
National Academies Keck Futures Initiative (NAKFI) Symposium, Invited Participant (2004)
Oak Ridge Associated Universities Ralph E. Powe Junior Faculty Enhancement Award (2003)
National Academy of Engineering Japan-America Frontiers of Engineering (JAFOE)
Symposium, Invited Participant (2002)
Rice Quantum Institute (RQI), Fellow (2002)
Robert P. Goldberg Grand Prize, MIT $50K Entrepreneurship Competition (2001)
Union Carbide Innovation Recognition Award (2000)
MIT Chemical Engineering Edward W. Merrill Outstanding Teaching Assistant Award (1997)
Faculty advisor for Phi Lambda Upsilon, chemical sciences honorary society (2003 – present)

Ghassan E. Jabbour – PhD and Director of Flexible and Organic Electronics Development at the Flexible Display Center (FDC) and a Professor of Chemical and Materials Engineering at Arizona State University

Professor Jabbour is also the Technical Advisory Board Leader on Optoelectronic Materials, Devices and Encapsulation at FDC. He has been selected to the Asahi Shimbun 100 New Leaders of the USA and has received the Presidential Award for Excellence from the Hariri Foundation in 1997. Dr. Jabbour’s research experience encompasses flexible-roll-to-roll-electronics and displays, smart textile, moisture and oxygen barrier technology, transparent conductors, organic light emitting devices, organic and hybrid photovoltaics, organic memory storage, organic thin film transistors, combinatorial discovery of materials, nano and macro printed devices, micro and nanofabrication, biosensors, and quantum simulations of electronic materials. Dr. Jabbour attended Northern Arizona University, the Massachusetts Institute of Technology (MIT), and the University of Arizona and is an SPIE fellow. Prof. Jabbour has authored and co-authored over 300 publications, invited talks, and conference proceedings. He is the editor of several books and symposia proceedings involving organic photonics and electronics, and nanotechnology. Prof. Jabbour is the guest editor of the MRS Bulletin issue on “Organic Photovoltaics”. He is the Chair and/or Co-Chair of over 50 conferences related to photonic and electronic properties of organic materials and their applications in displays and lighting, hybrid photosensitive materials, and hybrid integration of semiconducting and nanotechnology.

Kim Pichanick – Principal KPN Advisors, LLC

Ms. Pichanick currently provides strategic global communications and investor relations’ counsel to align with overall business and financial objectives. In January 2008, Kim was appointed Outside Director, ThinOps Communications, LLC, headquartered in Houston, Texas. She is also a principal at KPN Holdings, LLC, KPN Holdings, LLC, an affiliated Company to KPN Advisors, LLC. KPN Holdings is a significant shareholder of QED Clinical, LLC, d/b/a CINA, a provider of elegant healthcare software data communications solutions. Kim is Principal and majority owner of The Hardersen Group, LLC, (“THG”) with offices in Jupiter, Florida and Dallas, Texas. THG provides strategies to protect and preserve wealth for financially mature clients. Prior to KPN Advisors, Kim was Director of Communications and Investor relations at Aleris International, Inc. where she supported Aleris’s senior management team to develop a communications function and global communications strategy that significantly contributed to Aleris’s growth from 2,100 employees to 9,100 employees and an increase in annual revenue from approximately $2 billion to approximately $9 billion from December 2004 through December 2007.

Xtreme Oil & Gas, Inc.

OTC: XTOG

5700 W. Plano Parkway, Suite 3600
Plano, Texas 75093

Phone: 214-432-8002

Website:

www.xtremeoilandgas.com

Email:

will@xtremeoilgas.com

About the Featured Company

Doing what it takes to bring in a new well!

Xtreme Oil & Gas, Inc. headquartered in Dallas, Texas, is an independent oil and gas exploration and production company which either obtains producing wells with the expectation of rehabbing the wells in an effort to increase production or drill new wells in the hope of obtaining oil and gas production in commercial quantities. Xtreme has purchased controlling interest in Small Cap Strategies, Inc. BB.SMC

LD Holdings, Inc.

OTCBB: LDHL

1070 Commerce Drive, Building 2, Suite 303
Perrysburg, OH 43551

Phone: 419-873-1111
Fax: 419-873-1141

Website:

www.LDHoldings.com
LD Holdings, Inc., (Symbol LDHL), has adopted a business model that seeks to capitalize on the massive transfer of generational assets as the “Baby-Boomer” generation transitions from the ownership of small businesses into retirement. The Baby-Boomer generation is represented by individuals born between 1946 and 1964. There are currently about 80 million Boomers in this age group.

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