Impac Mortgage Holdings, Inc. brings you the step-by-step  approach to building a better  company in a competitive and  dynamic industry – particularly  the non-conforming mortgage  lending market. Included are  in-depth discussions of the  Company’s expertise and the  secrets to its success: OCT 10-1898 TTLBCA TMLF-IDTW 0 8 092601 122873 050270 wc The Impac Companies 1401 Dove St., Suite 100 Newport Beach, CA 92660 Telephone 949.475.3600 www.impaccompanies.com Introduce innovative products  Create synergistic business lines  Harness cutting-edge technologies  Maintain centralized operations  Promote a viable corporate culture  VvuUVVY