ANZA - INFORMATIONS-THREAD - 500 Beiträge pro Seite

[Viva-los-Tioz]

INFORMATIONS -THREAD Nr. 1

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Gruß
Viva

[Viva-los-Tioz]

e-Net Financial.com Corp. Engages Spectrum Corporate Resources


COSTA MESA, Calif., Dec 12, 2001 (BUSINESS WIRE) -- Vincent Rinehart, president
& CEO of e-Net Financial.com Corp. (e-Net) (OTCBB: ENNT)(Frankfurt
Exchange:925558.f)(Berlin Exchange:925558.BE) announced the engagement of
Spectrum Corporate Resources to seek acquisitions for e-Net.

"e-Net`s objective is to move to the Nasdaq, both for the higher profile the
company will receive, as well as additional future capital formation
opportunities. Mr. Kevin Sutherland of Spectrum, whose firm has closed over
1,650 transactions, has been retained to target companies with significant net
worth on their balance sheet, as well as provide other ancillary services,
allowing e-Net to grow, becoming a successful Nasdaq company," stated Rinehart.

"e-Net is also progressing with their private fund-raising efforts with
accredited investors through Anza Properties, a subsidiary of e-Net. We expect,
over the next few months, to have assembled the appropriate assets to file for
Nasdaq status," said Rinehart.

Rinehart also announced that the annual shareholders meeting on Dec. 6 was very
successful. Rinehart and Scott Presta were re-elected to another term as
directors and the same auditors were appointed, as well as all other actions
noted to shareholders of record Oct. 29 in the "Notice of Annual Shareholders
Meeting," were passed.

"e-Net`s name will formally be changed to Anza Capital Inc. on Jan. 1, 2002,"
said Rinehart. "This will more accurately reflect the expanding financial
services business our firms are noted for," he said.

"E-Net`s 10-Q will be filed by Dec. 18. All of us are pleased with the
continuing growth and progress all of the subsidiaries are attaining. Next year
is projecting to be a very good year for American Residential Funding,
Expidoc.com and Bravo Real Estate," concluded Rinehart.

This news release contains certain forward-looking statements within the meaning
of the Private Securities Litigation Reform Act of 1995 regarding future results
of operations and market opportunities that are based on e-NetFinancial.com`s
current expectations, assumptions, estimates and projections about the company
and its industry. Investors are cautioned that actual results could differ
materially from those anticipated by the forward-looking statements as a result
of risks, competition and other factors. These factors, along with other
potential risks and uncertainties are discussed in e-NetFinancial.com`s reports,
as well as their subsidiaries and other documents filed with the Securities and
Exchange Commission, especially the 10-KSB filed Aug. 16, 2001, and recent
quarterly reports. e-Net assumes no obligation to update the forward-looking
information contained in this news release and encourages all potential
investors to do their own due diligence and suitability analysis before any
investment is made.



CONTACT: e-Net Financial.com Corp., Costa Mesa

Vincent Rinehart, 714/866-2100

[Viva-los-Tioz]

Wednesday December 12, 3:04 am Eastern Time
Press Release
SOURCE: e-Net Financial.com Corp.
e-Net Financial.com Corp. Engages Spectrum Corporate Resources
COSTA MESA, Calif.--(BUSINESS WIRE)--Dec. 12, 2001--Vincent Rinehart, president & CEO of e-Net Financial.com Corp. (``e-Net``) (OTCBB:ENNT - news; Frankfurt Exchange:925558.f)(Berlin Exchange:925558.BE) announced the engagement of Spectrum Corporate Resources to seek acquisitions for e-Net.

``e-Net`s objective is to move to the Nasdaq, both for the higher profile the company will receive, as well as additional future capital formation opportunities. Mr. Kevin Sutherland of Spectrum, whose firm has closed over 1,650 transactions, has been retained to target companies with significant net worth on their balance sheet, as well as provide other ancillary services, allowing e-Net to grow, becoming a successful Nasdaq company,`` stated Rinehart.

``e-Net is also progressing with their private fund-raising efforts with accredited investors through Anza Properties, a subsidiary of e-Net. We expect, over the next few months, to have assembled the appropriate assets to file for Nasdaq status,`` said Rinehart.

Rinehart also announced that the annual shareholders meeting on Dec. 6 was very successful. Rinehart and Scott Presta were re-elected to another term as directors and the same auditors were appointed, as well as all other actions noted to shareholders of record Oct. 29 in the ``Notice of Annual Shareholders Meeting,`` were passed.

``e-Net`s name will formally be changed to Anza Capital Inc. on Jan. 1, 2002,`` said Rinehart. ``This will more accurately reflect the expanding financial services business our firms are noted for,`` he said.

``E-Net`s 10-Q will be filed by Dec. 18. All of us are pleased with the continuing growth and progress all of the subsidiaries are attaining. Next year is projecting to be a very good year for American Residential Funding, Expidoc.com and Bravo Real Estate,`` concluded Rinehart.

This news release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding future results of operations and market opportunities that are based on e-NetFinancial.com`s current expectations, assumptions, estimates and projections about the company and its industry. Investors are cautioned that actual results could differ materially from those anticipated by the forward-looking statements as a result of risks, competition and other factors. These factors, along with other potential risks and uncertainties are discussed in e-NetFinancial.com`s reports, as well as their subsidiaries and other documents filed with the Securities and Exchange Commission, especially the 10-KSB filed Aug. 16, 2001, and recent quarterly reports. e-Net assumes no obligation to update the forward-looking information contained in this news release and encourages all potential investors to do their own due diligence and suitability analysis before any investment is made.



--------------------------------------------------------------------------------
Contact:

e-Net Financial.com Corp., Costa Mesa
Vincent Rinehart, 714/866-2100
www.e-netfinancial.com

[Viva-los-Tioz]

e-Net Financial.com Corp. ändert seinen Namen in Anza Capital Inc.

Neues Ticker-Symbol – ANZA -

COSTA MESA, Kalifornien – (BUSINESS WIRE) – 2. Januar 2002 – Vincent Rinehart, Präsident & CEO von Anza Capital Inc. (“ANZA”), vorher bekannt als e-Net Financial.com Corp. (“E-Net”) (OTCBB: ANZA – news; Frankfurter Börse: 925558.f) (Berliner Börse: 925558.BE), gab die formale Änderung des Unternehmensnamens bekannt.

“Anza Capital wird ab heute unter dem neuen Ticker-Symbol `ANZA` gehandelt. Die Namensänderung wurde auf der jährlichen Aktionärsversammlung, die Anfang dieses Monats stattfand, genehmigt und wurde von den Regulierungsbehörden akzeptiert,“ sagte Rinehart.

Rinehart sagte: “Da Anza Capital weiter wächst, werden wir andere Finanzservices einbinden, wie unsere Immobilienfinanzierung (American Residential Funding), Dokumentensignierung (Expidoc.com) und unser Immobilienmaklergeschäft (Bravo Realty). Diese neuen Finanzservices werden Versicherungen, Verbraucher- und handelsübliche Darlehen und Investment beinhalten.“

Rinehart fuhr fort: “Unsere Pläne, die Anzahl der Aktionäre zu erhöhen, sowohl durch internes Wachstum, als auch durch strategische Aquisitionen, bleiben unser Hauptziel, wenn wir 2002 beginnen.“

Diese Mitteilung enthält verschiedene vorausblickende Statements innerhalb der Bedeutung des Private Securities Litigation Reform Act von 1995 bezüglich der zukünftigen Ergebnisse von Operationen und Marktgelegenheiten, die auf den aktuellen Erwartungen von ANZA, Annahmen, geschätzten Kosten und Projektionen über das Unternehmen und seine Industrie basieren. Anleger seien gewarnt, dass die tatsächlichen Ergebnissen sich materiell aufgrund von Risiken, Wettbewerb und anderen Faktoren von denen unterscheiden könnten, die in den vorausblickenden Statements erwartet werden. Diese Faktoren, zusammen mit anderen potentiellen Risiken und Unsicherheiten wurden in den Berichten von ANZA diskutiert, ebenso in denen der Tochtergesellschaften und in anderen Dokumenten, die bei der SEC eingereicht wurden, speziell das 10-KSB, das am 1. Dezember 2001 eingereicht wurde und die neuen Quartalsberichte. ANZA übernimmt keine Verpflichtung, die in dieser Mitteilung enthaltenen vorausblickenden Statements zu aktualisieren und ermutigt alle potentiellen Investoren, ihre eigenen Nachforschungen und Analysen durchzuführen, bevor sie ihre Investition tätigen.



Kontakt:



ANZA Capital Inc., Costa Mesa
Vincent Rinehart, 714/866-2100
[e-mail]
www.e-netfinancial.com

[spekulativ]

Symbol Last Trade Change Volume More Info Trade
ENNT.OB Ticker symbol has changed to: ANZA.OB

[spekulativ]

RINEHART VINCENT R files Form 4, Statement of Changes in Beneficial Ownership of E-NET FINANCIAL COM CORP

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OMB APPROVAL


OMB Number 3235-0287
Expires: 12-31-2001
Estimated average burden
hours per response ....... 0.5



U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 4

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934,
Section 17(a) of the Public Utility Holding Company Act of 1935 or
Section 30(f) of the Investment Company Act of 1940




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1. Name and Address of Reporting Person*
Rinehart Vince



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(Last) (First) (Middle)
3200 Bristol Street, Ste. 710



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(Street)
Costa Mesa, CA 92626



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(City) (State) (Zip)
Anza Capital, Inc. - ANZA
Formerly e-Net Financial.com, Inc. - ENNT


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2. Issuer Name and Ticker or Trading Symbol



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3. IRS Identification Number of Reporting Person, if an Entity (Voluntary)
December 2001



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4. Statement for Month/Year



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5. If Amendment, Date of Original (Month/Year)



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6. Relationship of Reporting Person to Issuer
(Check all applicable)
[X] Director [_] 10% Owner
[X] Officer (give title below) [_] Other (specify below)
CEO



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7. Individual or Joint/Group Filing (Check applicable line)
[X] Form filed by 1 Reporting Person
[ ] Form filed by more than 1 Reporting Person


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Table I -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
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6.
4. 5. Owner-
Securities Acquired (A) or Amount of ship
3. Disposed of (D) Securities Form: 7.
Transaction (Instr. 3, 4 and 5) Beneficially Direct Nature of
2. Code ------------------------------- Owned at End (D) or Indirect
1. Transaction (Instr. 8) (A) of Month Indirect Beneficial
Title of Security Date ------------ Amount or Price (Instr. 3 (I) Ownership
(Instr. 3) (mm/dd/yy) Code V (D) and 4) (Instr.4) (Instr.4)
-----------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------------------
Common Stock 12/27/2001 P 3,000 A 0.12 4,076,500 D
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[Viva-los-Tioz]

Hello, my name is Jacqueline Rinehart and I am the new Director of Investor Relations for ANZA Capital, Inc. ( formally known as E-net Financial.com Corp. ) I am sending you this letter to introduce myself and to confirm that you are on our shareholder e-mailing list. If you do not wish to be on the list in the future, simply e-mail me. Also, if you did not previously give your name with your e-mail address, and would like to, please e-mail me with that information also. Along with the ANZA Capital family I am excited about the prospects of this up coming year, and I am looking forward to sharing them with you. You can expect correspondence once a month, beginning with an e-mail from CEO, Vincent Rinehart, next week. However, feel free to contact me with any questions or concerns you may have and I will be happy to provide you with an accurate and timely response, either through myself or a corresponding officer. Thank you for your interest and investment in ANZA Capital Inc.

Sincerely,

Jacqueline Rinehart
Director of Investor Relations
ANZA Capital Inc.

[Viva-los-Tioz]

Bericht aus der Telebörse

E-Net mit neuer Strategie und neuem Namen

14.01.2002

E-Net Financial, internetgestützter Vermittler von Immobilienkrediten hat beschlossen, das Unternehmen in Anza Capital umzubenennen. Nach Ansicht der Vorstände Vince Rinehart und Scott Presta passe der neue Name besser zur neuen Unternehmensausrichtung. Diese bestehe in einer neuen Akquisitionsstrategie. Diese zielt darauf ab, den Buchwert von Anza zu erhöhen, um die Listing-Kriterien für die Nasdaq erfüllen zu können. Dazu dienen auch Bemühungen um Kapitalgeber sowie kurspflegende Aktienkäufe durch Vorstandschef Vince Rinehart. Außerdem will E-Net/Anza in die neuen Geschäftsfelder Versicherungen, Verbraucher- und Geschäftskredite sowie Kapitalanlagen expandieren. In diesem Zusammenhang wurde ein joint-venture mit dem in vier Bundesstaaten des amerikanischen Westens aktiven Privat-Immobilienanzeigen-Site „NationWideByOwner“ (NWBO) vereinbart. Dies zielt darauf, Kunden von NWBO mit Kreditangeboten zu versorgen

[MBpresent]

Anza Capital Inc. Continues Record Production in November and December; Web Sites Upgraded


COSTA MESA, Calif., Jan 22, 2002 (BUSINESS WIRE) -- Vincent Rinehart, president
& CEO of Anza Capital Inc., ("AnzaCap"), previously known as e-Net Financial.com
Corp., ("e-Net")(OTCBB: ANZA)(Frankfurt Exchange:ANZA.f)(Berlin
Exchange:ANZA.BE), announced record mortgage closings in November and December.

Rinehart said: "American Residential Funding `AMRES,` www.amres.net, a wholly
owned AnzaCap subsidiary, attained record loan volume for November and December
of $70,072,000 and $80,950,000 respectively, both record levels for AMRES.

"November was a 590% increase, and December was a 533% increase, over the like
month in 2000. The number of closed loans increased to 450 from 107 in December
2001 over 2000."

"We surpassed the production goals set at the start of 2001. These results
reflect the rapid expansion of our branch network, as the result of the addition
of key marketing personnel, and the implementation of our new marketing
strategies. AMRES is planning for the continuation of our growth in 2002,"
stated Jeff Hemm, president.

Investor relations has completed the initial phase of updating the
www.e-netfinancial.com and www.e-netfinancial.de Web sites.

"In approximately one week, the additional new Web addresses, www.anzacap.com
and www.anzacapital.com will direct the public to our AnzaCap Web sites," said
Rinehart.

The ticker symbol was changed on the German exchanges, as well as the OTCBB.
Rinehart stated, "AnzaCap is working with these exchanges to continue trading
our shares, and expect to have this accomplished in a few days."

This news release contains certain forward-looking statements within the meaning
of the Private Securities Litigation Reform Act of 1995 regarding future results
of operations and market opportunities that are based on ANZA`s current
expectations, assumptions, estimates and projections about the company and its
industry. Investors are cautioned that actual results could differ materially
from those anticipated by the forward-looking statements as a result of risks,
competition and other factors. These factors, along with other potential risks
and uncertainties are discussed in ANZA`s reports, as well as their
subsidiaries, and other documents filed with the Securities and Exchange
Commission, especially the 10-KSB filed Dec. 1, 2001, and recent Quarterly
reports. ANZA assumes no obligation to update the forward-looking information
contained in this news release and encourages all potential investors to do
their own due diligence and suitability analysis before any investment is made.



CONTACT: ANZA Capital Inc., Costa Mesa

Vincent Rinehart, 714/866-2100

[e-mail]



URL: http://www.businesswire.com

Today`s News On The Net - Business Wire`s full file on the Internet

with Hyperlinks to your home page.


Copyright (C) 2002 Business Wire. All rights reserved.





KEYWORD: CALIFORNIA

INDUSTRY KEYWORD: BANKING

E-COMMERCE

INTERNET

REAL

ESTATE

SOURCE:

ANZA

Capital

Inc.

[lutzeggi]

Date: Mon, 21 Jan 2002 11:45:26 -0800
From: Jacque <[e-mail]>
Subject: ANZA Investors
To: ANZA <[e-mail]>
Mime-Version: 1.0
Organization: American Residential Funding
X-Mailer: GoldMine [5.00.402]

Content-type: Text/plain

Date: Mon, 21 Jan 2002 11:45:26 -0800
From: Jacque <[e-mail]>
Subject: ANZA Investors
To: ANZA <[e-mail]>
Mime-Version: 1.0
Organization: American Residential Funding
X-Mailer: GoldMine [5.00.402]

Content-type: Text/plain

Valued Shareholder;
For those of you who had no previously seen it, I have enclosed the link to the 1/02/02 press release when E-net Financial announced the change in their name to ANZA Capital Inc. I will continue to send you via e-mail the press releases as they come available starting this week or next. I hope you all had a great weekend!

http://biz.yahoo.com/bw/020102/20002_1.html

Sincerely,
Jacqueline Rinehart
Director of Investor Relations
ANZA Capital Inc.

lutzeggi

[MBpresent]

Anza Capital Inc. produziert weiterhin Rekordumsätze; Web-Seite erneuert

Costa Mesa, Calif, 22.Jan, 2002 (Business Wire)
Vincent Rinehart, Präsident und CEO von Anza Capital („AnzaCap“ vorher bekannt als e-Net-Financials.com)
OTCBB: ANZA, Frankfurt WKN 925558) verkündete Rekord –Hypthekenkredit-Abschlüsse für November und Dezember.

Rinehart sagte: „American Residential Funding „AMRES“, www.amres.net, eine 100% Tochter von AnzaCap erreichte ein Rekord-Hypotheken-Abschluß-Volumen für November und Dezember von 70 Mio Dollar bzw. 80,9 Mio. Dollar. Beides sind Rekordlevel für Amres“.

Im November betrug die Steigerung 590 % und im Dezember 533 % gegenüber den gleichen Monaten im Jahre 2000. Die Anzahl der abgeschlossenen Kredite betrug 450 im Dezember 2001 gegenüber 107 im Jahre 2000“.

„Wir haben die Umsatzziele, die wir uns am Anfang des Jahres 2001 gesetzt haben überschritten. Dieses Ergebnis reflektiert die schnelle Expansion von unserem Zweigstellen-Netzwerk, sowie ist das Ergebnis von weiteren Marketing-Mitarbeitern, als auch von unseren neuen Marketing-Strategien. AMRES plant weiteres Wachstum in 2002“, sagte Jeff Hemm, Präsident.

Die Investor-Relations haben die Anfangsphase abgeschlossen auf den Seiten www.e-netfinancial.com als auch www.e-netfinancial.de.

„Voraussichtlich in einer Woche (so Clyde will/kann <- Bemerkung von mir ) werden die zusätzlichen Websites: www.anzacapital.com und anzacap.com der Öffentlichkeit zugänglich gemacht“, sagte Rinehart.

Das Ticker-Symbol wurde an den Deutschen Börsen geändert, genauso, wie an der OTCBB.
Rinehart sagte:“AnzaCap arbeitet mit diesen Börsen zusammen, um unsere Aktien handelbar zu behalten und wir erwarten den Abschluß in wenigen Tagen“.

____________

wie immer: Ohne Gewähr !

[lutzeggi]

Valued Investor;
Today we have published a new press release with information about our numbers from November and December of 2001. You will find the link below. Have a great day!

http://biz.yahoo.com/bw/020122/220001_1.html

Sincerely,
Jacqueline Rinehart
Director of Investor Relations
ANZA Capital inc.


gruss lutzeggi

[Viva-los-Tioz]

#10 - Deutsch


Von: Jacque
Datum: Montag, 21. Januar 2002 21:42:10
An: xxxxxxxx
Betreff: ANZA Investors

Sehr geehrte Aktionäre,

Für diejenigen unter Ihnen, die es vorher nicht gesehen haben, habe ich den Link zu der Pressmitteilung vom 01.02.2002 angefügt, als E-net Financial die Änderung des Namens in ANZA Capital Inc. angekündigt hat. Ich werde Ihnen weiterhin per E-Mail die Pressemitteilungen zusenden, sobald diese verfügbar sind, beginnend in dieser oder der nächsten Woche. Ich hoffe, Sie hatten alle ein schönes Wochenende!

<http://www.e-netfinancial.de/Deutsch/Investor_Relationsd/new…

Mit freundlichen Grüssen

Jacqueline Rinehart
Director of Investor Relations
ANZA Capital Inc.

[Viva-los-Tioz]

Dear Mr.Rinehart,

as a shareholder of ANZA Capital since some months, I am very concerned about the current situation. You announce every time
new record results in revenue, in the first moment that sounds really good. But you never told us something about the break-even,
that is the urgent point we want to hear something. Did you reach that in this fiscal year or not, or at least in the last quarter.

A other issue discussed in Germany , how will you reach the Nasdaq Listing you talked about, it seems unachievable for me.
You need a stockholder equity of 5 mio$ , actually you have a deficit. It means , you have to do a lot of Takeovers with the
corresponding assets. But that should not be so easy,either . A other item is your very low market cap, You are so far away from
all nasdaq criteria.
you could do a reverse split 40:1 , but then you will have a reduced public float, this have to be more than one million shares, last
you had 38 mio shares, after a 40:1 split you would have less then 1 Mio shares.

You are one of nearly 30.000 mortgage brokers, the volume for credits is roughly 1.8 trillion $ in USA, compared with your approximately
revenue it correspondends a market share of roughly 0,035 %, that is not really much, I think you agree with me.
O.K. for shure you can grow, but this costs money, do you have this money? and it make not really sence to take over this "Mom and Pop"
Mortgage broker, a hard way, which watered the shares more and more, thats bad for the rate and makes a Nasdaq-Listing more
difficult.

A double revenue would stand for a market share of roughly 0,07 %

This was a very critical summary about your business. I hope with your prompt feedback with detailed information you can smooth
me , because I really consider to sell all my bought shares.

A other open issue , what about your possibility convertible the shares, that doesnt support our trust in your company.

There are a lot of discussions from the shareholders in Germany in several Chat-Boards, and they are all very unpleased about the
current situation, especially from your side concerning a lot of open questions I mainly mentioned before.

I am looking froward to hearing from you soon

Regards


nun die erste kurze Antwort:

If you add back the amortization of warrants and other non-operating expenses, we did show an operating profit last quarter.



Sent: Tuesday, January 29, 2002 4:20 AM
To: [e-mail]
Subject:




------------------------------------------------------------
dann meine zweite Anfrage:


First thanks for the prompt answer,but it was a very short form, thats not all the information I expected , I mentioned a lot more points, were I expect a feedback .
Hope to get also some useful answers for the rest of the content in the mail before


PS
O.K. without amortization and other expenses you reached the break even, but what about the future. Is there a need for more amortizations
or not , and where do you see your target for your finance figures for this year

Regards


und nun seine ausführliche Antwort


Here are my intentions:
* Hold my own shares.
* Continue the rapid growth of the company.
* Continue organizing new staff & procedures to handle this rapid growth.
* Close $1,000,000,000+ in loans in 2002.
* Turn profitable (DID operationally last quarter).
* Seek synergistic acquisitions. Continue to employ Spectrum Financial to
these ends.
* Build on the unique & special relationships with our business partners:
Ditech Funding, NWBO, First Bank and many others.
* Build up Mortgage Banking operations... not yet the profit center it can
be.
* Get on NASDAQ; although this is a LONG TERM proposition. Aware there are
may capital hurdles, and as such, this may well be a 2003 event.
* Established Investor Relations Dept. Inform shareholders of company plans
& prospects through over 100 shareholder email addresses. Hire a PR firm
(Feb.) to "get the word out". Issue timely press releases (every other
week). Updated Web Sites. CEO interviews. Develop corporate "brochure" for
distribution. Seek support from Broker/Dealers.
* WILL NOT ENGAGE IN "PUMP & DUMP", OR "HYPING" OF SHARES. It`s illegal &
immoral.
* Although there are no plans for a reverse split, Anza Cap cannot rule out
any financing options that would bring strength and growth to the firm.
These decisions are not near term or even on the agenda at this time.
* Anza Capital is a SERVICES PROVIDER TO THE MORTGAGE BROKERAGE INDUSTRY. We
provide licensing, accounting, major lender access and marketing support. As
such, we believe we can achieve rapid growth. A good example is Texas &
Florida. We have just opened 5-6 net-branches there. We believe our market
is hundreds of net-branches. We have SEVEN full time sales personal
constantly opening new branches. We were ranked as the 3rd largest Mortgage
Broker in the US, when we were doing $50,000,000 per month. We just hit
$80,000,000. We believe our rapid growth speaks well for our future. Not
many companies have grown 400-500% the last 12 months. (In fact, many
companies have filed bankruptcy).
I legally and ethically cannot predict the future stock price, nor "hype"
the stock for short term gains. We are not ENRON. But I can get back to
work, do the above as best I can, and expect that our shareholders value
will increase due to our hard work & efforts.
Thank You.

[Viva-los-Tioz]

Anza Capital Inc. On Track for $1 Billion in 2002


COSTA MESA, Calif., Feb 15, 2002 (BUSINESS WIRE) -- Vincent Rinehart, president
& CEO of Anza Capital Inc., ("AnzaCap", (OTCBB: ANZA)(Frankfurt
Exchange:ANZA.f)(Berlin Exchange:ANZA.BE), announced record mortgage closings in
January.

Rinehart said: "American Residential Funding `AMRES,` www.amres.net, a wholly
owned AnzaCap subsidiary, attained record loan volume for January of over
$81,000,000. January 2002 was a 364% increase over January 2001`s level of
$22,250,000."

"We are at a pace of closing over $1 billion in home loans in the year 2002.
AMRES has continued to surpass the production goals set by our marketing team,
and has operated in a positive cash flow the quarter ending January," stated
Jeff Hemm, president.

"Expidoc.com has seen a tripling of recent business from their largest account,
National Mortgage Co. With these added revenues, Expidoc.com has recently seen
positive cash flow, and is making plans to move to new and larger office space
on March 1," said Rinehart.

"With added staff, new computers and software, and expanded office space,
Expidoc.com is expected to add significant income to ANZA in upcoming months,"
he stated.

Rinehart added, "The quarterly report, for the period ending Jan. 31, of Anza
Capital Inc., is expected to be issued prior to March 15."

This news release contains certain forward-looking statements within the meaning
of the Private Securities Litigation Reform Act of 1995 regarding future results
of operations and market opportunities that are based on ANZA`s current
expectations, assumptions, estimates and projections about the company and its
industry. Investors are cautioned that actual results could differ materially
from those anticipated by the forward-looking statements as a result of risks,
competition and other factors. These factors, along with other potential risks
and uncertainties are discussed in ANZA`s reports, as well as their
subsidiaries, and other documents filed with the Securities and Exchange
Commission, especially the 10-KSB filed Dec. 1, 2001, and recent quarterly
reports. ANZA assumes no obligation to update the forward-looking information
contained in this news release and encourages all potential investors to do
their own due diligence and suitability analysis before any investment is made.



CONTACT: ANZA Capital Inc., Costa Mesa

Vincent Rinehart, 714/866-2100

[e-mail]

[DieBesten]

Hallo leibe Anzagemeinde,
hier noch mal die letzte News in deutsch:



ANZA CAPITAL INC – Einer Milliarde Dollar auf der Spur im Jahr 2002

New York, New York, 15. Februar 2002 (Market News Publishing via COMTEX) – Vincent Rinehart, Präsident & CEO von Anza Capital Inc., (“AnzaCap”), (Frankfurter Börse: ANZA.f)(Berliner Börse: ANZA.BE), gibt Rekord -Hypothekenabschlüsse im Januar bekannt.

Rinehart sagte: “American Residential Funding `AMRES`, eine Tochtergesellschaft von AnzaCap, erzielte ein Rekord-Kreditvolumen für Januar von über 81.000.000 Dollar. Dies bedeutet für den Monat Januar 2002 einen Anstieg von 364% gegenüber Januar 2001 mit 22.250.000 Dollar.“

“Wir sind auf dem Weg, im Jahr 2002 über 1 Milliarde Dollar durch den Abschluss von Eigenheimkrediten zu erzielen. AMRES hat weiterhin die Produktionsziele übertroffen, die unser Marketing-Team gesetzt hatte und hat einen positiven Cash Flow für das Quartal, das im Januar endet, erzielt,“ sagte Jeff Hemm, Präsident.

“Expidoc.com hat die Geschäfte mit National Mortgage Co. Verdreifacht. Mit diesen zusätzlichen Einkünften, hat Expidoc.com einen positiven Cash Flow erzielt und hat vor, am 1. März in neue und grössere Büros umzuziehen,“ sagte Rinehart.

“Mit zusätzlichem Personal, neuen Computern und Software und erweiterten Büroräumen, beabsichtigt Expidoc.com, in den nächsten Monaten signifikante Einkommenszuwächse zu erzielen,” sagte er.

Rinehart fügte hinzu, “Der Quartalsbericht der Anza Capital Incfür die Periode, die am 31. Januar endet, wird voraussichtlich noch vor dem 15. März herausgegeben.“


Spätestens in drei Wochen wissen wir mehr.
Bin mal gespannt ob vince pünktlich ist.

Gruß DieBesten

[fhr]

Danke an diebesten!!!!
gruß fhr

[v3a]

@die besten
herzlichen dank für die übersetzung.
viele grüße v3a

[uähhh]

SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FIRST AMENDED
FORM 10-QSB

[X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934

FOR THE QUARTERLY PERIOD ENDED JULY 31, 2001

[ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934

For the transition period from _______________ to _______________.


COMMISSION FILE NUMBER O-24512


ANZA CAPITAL, INC.
(Exact name of registrant as specified in its charter)

NEVADA 88-1273503
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)

3200 BRISTOL STREET, SUITE 700
COSTA MESA, CA 92626
(Address of principal executive offices) (Zip Code)




REGISTRANT`S TELEPHONE NUMBER, INCLUDING AREA CODE [phone]


Check whether the issuer (1) filed all reports required to be filed by
Section 13 or 15(d) of the Securities Exchange Act of 1934 during the past 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes X No.



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APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY PROCEEDINGS DURING THE
PRECEDING FIVE YEARS
Check whether the registrant filed all documents and reports required to be filed by Section 12, 13 or 15(d) of the Exchange Act after the distribution of securities under a plan confirmed by a court. Yes No.


APPLICABLE ONLY TO CORPORATE ISSUERS
State the number of shares outstanding of each of the issuer`s classes of common equity, as of the latest practicable date. As of September 13, 2001, there were 38,526,547 shares of common stock issued and outstanding.


TRANSITIONAL SMALL BUSINESS DISCLOSURE FORMAT
(check one):

Yes _____ No __X__

--------------------------------------------------------------------------------



--------------------------------------------------------------------------------

ANZA CAPITAL, INC.

TABLE OF CONTENTS
-----------------


PART I

Item 1 Financial Statements

Item 2 Management`s Discussion and Analysis or Plan of Operations

PART II





Item 1 Legal Proceedings


Item 2 Changes in Securities and Use of Proceeds


Item 3 Defaults Upon Senior Securities


Item 4 Submission of Matters to a Vote of Security Holders


Item 5 Other Information


Item 6 Exhibits and Reports on Form 8-K



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PART I
EXPLANATORY NOTE

In response to comments from the United States Securities and Exchange Commission, Anza Capital, Inc. has restated its Quarterly Statement on Form 10-QSB. This Quarterly Statement is for the quarter ended July 31, 2001, and was originally filed with the Commission on September 19, 2001. Effective on January 2, 2002, the Company changed its name from e-Net Financial.com Corporation to Anza Capital, Inc. References throughout this Quarterly Statement are accurate as of the date originally filed, and other than on the front page, references to the Company as e-Net Financial.com Corporation have been left as originally drafted. The Company has not undertaken to update all of the information in this Quarterly Report, but instead has updated only those areas requested by the Commission. Please read all of the Company`s filings with the Commission in conjunction with this Quarterly Report.

This Quarterly Report includes forward-looking statements within the meaning of the Securities Exchange Act of 1934 (the "Exchange Act"). These statements are based on management`s beliefs and assumptions, and on information currently available to management. Forward-looking statements include the information concerning possible or assumed future results of operations of the Company set forth under the heading "Management`s Discussion and Analysis of Financial Condition or Plan of Operation." Forward-looking statements also include statements in which words such as "expect," "anticipate," "intend," "plan," "believe," "estimate," "consider" or similar expressions are used.

Forward-looking statements are not guarantees of future performance. They involve risks, uncertainties and assumptions. The Company`s future results and shareholder values may differ materially from those expressed in these forward-looking statements. Readers are cautioned not to put undue reliance on any forward-looking statements.


ITEM 1 FINANCIAL STATEMENTS



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E-NET FINANCIAL.COM CORPORATION AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEET





July 31, 2001
---------------
ASSETS
Current assets:
Cash and cash equivalents. . . . . . . . . . . . . . . . . . . . . $ 431,487
Accounts receivable, net of allowance for doubtful
accounts of $74,123 . . . . . . . . . . . . . . . . . . . . . . . . 598,752
Loans held for sale. . . . . . . . . . . . . . . . . . . . . . . . 1,454,025
Advances to employees. . . . . . . . . . . . . . . . . . . . . . . 110,000
Prepaid and other current assets . . . . . . . . . . . . . . . . . 65,594
---------------
Total current assets. . . . . . . . . . . . . . . . . . . . . . . . 2,659,858

Property and equipment, net of accumulated depreciation of $83,386 97,511
Goodwill, net of accumulated amortization
and impairments of $1,385,049 . . . . . . . . . . . . . . 425,247
Other assets . . . . . . . . . . . . . . . . . . . . . . . . . . . 11,807
---------------
$ 3,194,423
===============
LIABILITIES AND STOCKHOLDERS` DEFICIT

Current liabilities:
Accounts payable . . . . . . . . . . . . . . . . . . . . . . . . . $ 500,363
Warehouse line of credit . . . . . . . . . . . . . . . . . . . . . 1,414,762
Accrued liabilities. . . . . . . . . . . . . . . . . . . . . . . . 120,966
Commissions payable. . . . . . . . . . . . . . . . . . . . . . . . 484,903
Short term notes payable . . . . . . . . . . . . . . . . . . . . . 221,494
---------------
Total current liabilities . . . . . . . . . . . . . . . . . . . . . 2,742,488

Convertible notes payable to related parties. . . . . . . . . . . . 531,627
Interest payable on notes to related parties. . . . . . . . . . . . 5,485
Other liabilities . . . . . . . . . . . . . . . . . . . . . . . . . 1,088
---------------
Total liabilities . . . . . . . . . . . . . . . . . . . . . . . . . 3,280,688
---------------

Stockholders` deficit:
Class C convertible preferred stock, no par value;
liquidation value of $100.00 per share;
17,984 shares issued and outstanding. . . . . . . . . . . . . . . . 1,798,400
Common stock, $0.001 par value; 100,000,000 shares
authorized; 32,509,884 issued and 29,759,884 outstanding. . . . . . 35,922
Additional paid-in capital . . . . . . . . . . . . . . . . . . . . 12,049,828
Accumulated deficit. . . . . . . . . . . . . . . . . . . . . . . . (13,917,915 )
Deferred stock compensation. . . . . . . . . . . . . . . . . . . . (52,500)
---------------
Total stockholders` deficit . . . . . . . . . . . . . . . . . . . . ( 86,265)
---------------
$ 3,194,423
===============






--------------------------------------------------------------------------------

E-NET FINANCIAL.COM CORPORATION
AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF OPERATIONS






Three Three
Months Ended Months Ended
July 31, 2000 July 31, 2001
--------------- ---------------

Revenues:
Broker commissions. . . . . . . . . . . . . . . . 2,269,590 4,880,634
Other . . . . . . . . . . . . . . . . . . . . . . 96,372 165,396
--------------- ---------------
2,365,962 5,046,030
--------------- ---------------

Cost and expenses:
Commissions . . . . . . . . . . . . . . . . . . . . 1,701,606 3,421,315
--------------- ---------------

Gross profit. . . . . . . . . . . . . . . . . . . . 664,356 1,624,715

Operating expenses:
General and administrative. . . . . . . . . . . . . 971,632 1,377,910
Consulting fees . . . . . . . . . . . . . . . . . . 519,290 410,795
Non-recurring loss on settlements . . . . . . . . . - 61,494
--------------- ---------------
Total costs and expenses. . . . . . . . . . . . . 1,490,922 1,850,199
--------------- ---------------

Operating loss. . . . . . . . . . . . . . . . . . . (826,566) ( 225,484)

Interest expense . . . . . . . . . . . . . . . . . . (47,342) (43,470)
Other income (expense), net. . . . . . . . . . . . . 73,755 6,432
--------------- ---------------

Net loss. . . . . . . . . . . . . . . . . . . . . $ (800,153) $ (262,522)
=============== ===============

Basic and diluted net loss per share of common stock $ (0.04) $ (0.01)
=============== ===============

Weighted average common shares outstanding . . . . . 20,418,454 26,414,775
=============== ===============






--------------------------------------------------------------------------------

E-NET FINANCIAL.COM CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS






Three Months Three Months
Ended Ended
July 31, 2000 July 31, 2001
--------------- ---------------
Cash flows from operating activities:
Net loss. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ (800,153) $ (262,522)
Adjustments to reconcile net loss to net cash used in operating activities:
Depreciation, and amortization of bridge loan issue costs . . . . . . . . . 154,205 5,001
Non-recurring loss on settlements . . . . . . . . . . . . . . . . . . . . . - 61,494
Stock compensation to consultants . . . . . . . . . . . . . . . . . . . . . 228,620 320,473
Amortization of discounts on loans. . . . . . . . . . . . . . . . . . . . . - 14,108
Amortization of deferred stock compensation . . . . . . . . . . . . . . . . - 80,439
Changes in operating assets and liabilities:
Increase in accounts receivable, net. . . . . . . . . . . . . . . . . . . (81,735) (134,628)
Increase in loans held for sale . . . . . . . . . . . . . . . . . . . . . - (1,096,675 )
Decrease in other current assets. . . . . . . . . . . . . . . . . . . . . 802 18,510
Increase in due from employees. . . . . . . . . . . . . . . . . . . . . . - (44,750)
Decrease in accounts payable. . . . . . . . . . . . . . . . . . . . . . . (103,457) (23,776)
Increase in commissions payable . . . . . . . . . . . . . . . . . . . . . - 224,590
Increase (decrease) accrued liabilities . . . . . . . . . . . . . . . . . 173,129 (85,056)
Increase in other liabilities . . . . . . . . . . . . . . . . . . . . . . 11,422 -
--------------- ---------------


Net cash used in operating activities . . . . . . . . . . . . . . . . . . . (417,167) (922,792)
--------------- ---------------

Cash flows from investing activities:
Increase in other assets. . . . . . . . . . . . . . . . . . . . . . . . . . (59,489) -
Acquisitions of property and equipment. . . . . . . . . . . . . . . . . . . (11,227) (12,527)
Issuance (repayment) of note
receivable to related party . . . . . . . . . . . . . . . . . . . . . . . 41,163 -
--------------- ---------------

Net cash provided by (used in) investing activities . . . . . . . . . . . . (29,553) (12,527)
--------------- ---------------

Cash flows from financing activities:
Payments on notes payable to related parties. . . . . . . . . . . . . . . . (1,386,536) -
Proceeds from issuance of bridge loan . . . . . . . . . . . . . . . . . . . - 200,000
Advances from warehouse line of credit. . . . . . . . . . . . . . . . . . . - 1,073,920
Proceeds from private placement . . . . . . . . . . . . . . . . . . . . . . 1,699,973 -
--------------- ---------------

Net cash provided by financing activities . . . . . . . . . . . . . . . . . 313,437 1,273,920
--------------- ---------------

Net increase (decrease) in cash. . . . . . . . . . . . . . . . . . . . . . . (133,283) 338,601
Cash at beginning of period. . . . . . . . . . . . . . . . . . . . . . . . . 285,583 92,886
--------------- ---------------

Cash at end of period. . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 152,300 $ 431,487
=============== ===============







--------------------------------------------------------------------------------

E-NET FINANCIAL.COM CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS (CON`T)






Non - cash financing activities:

Debt reduction through the issuance of common stock . . . . . . . . . . . . .$ - $ 459,000
=============== ===============

Warrants issued for bridge-loan issue costs . . . . . . . . . . . . . . . . - 132,345
=============== ===============

Conversion of C-Preferred to common stock . . . . . . . . . . . . . . . . . . - 515,925
=============== ===============

Supplemental cash flow information:

Cash paid for interest and income taxes was not significant during the periods presented






--------------------------------------------------------------------------------

NOTES TO INTERIM FINANCIAL STATEMENTS
NOTE 1. UNAUDITED INTERIM FINANCIAL STATEMENTS

The interim financial data as of July 31, 2001, for the three months ended July 31, 2001 and 2000 are unaudited; however, in the opinion of management, the interim data includes all adjustments, consisting of normal recurring adjustments, necessary to present fairly the Company`s consolidated financial position as of July 31, 2001, and the results of their operations and their cash flows for the three ended July 31, 2001 and 2000. The results of operations are not necessarily indicative of the operations, which may result for the year ending April 30, 2002Also, in the opinion of management, all disclosures required on Form 10-QSB, were fully furnished with exception of the per segment information required by Statement of Financial Accounting Standards No. 131 (SFAS 131), "Disclosures about Segments of an Enterprise and Related Information" issued by the Financial Accounting Standards Board (FASB.) Management omitted this information since this information was not readily available and due to the lack of resources to compile this information. However, management determined that the omission of this information is insignificant to the overall presentation of the Company`s financial position and will provide this information only in the annual financial report in the Company`s Form 10-KSB, as amended.

NOTE 2. GLOBAL SETTLEMENT

As part of the acquisition of AMRES, e-Net was obligated to file and prosecute until completion a registration statement with the Securities and Exchange Commission for the purpose of registering 7,500,000 shares of e-Net common stock issued to EMB. Additionally, e-Net was obligated to pay the sum of $4,000,000 under the terms of a promissory note issued to EMB.

In an unrelated transaction, Williams de Broe loaned the sum of $700,000 to EMB, which remained unpaid at the time of the Global Settlement. In connection with a revision of the agreement between EMB and Williams de Broe, the then-chairman of e-Net executed a document on behalf of e-Net in favor of Williams de Broe, which Williams de Broe believed acted as a guarantee of EMB`s obligation. e-Net disputed this assertion.

In order to settle the outstanding disputes among all the parties, on June 26, 2001, e-Net entered into a settlement agreement with EMB Corporation, AMRES Holding LLC, Vincent Rinehart, and Williams de Broe (the "Global Settlement"). As part of the Global Settlement:

(i) e-Net issued to EMB 1,500,000 shares of restricted common stock as consideration for EMB`s waiver of its registration rights for 7,500,000 shares of e-Net common stock already held by EMB. The shares were valued at $0.14 per share based on a 10% discount from the closing price on the date of the agreement. The Company will record a settlement expense of $229,500 with regard to this issuance. e-Net issued to EMB a promissory note in the principal amount of $103,404, which represents the reduced amount due to EMB by e-Net under a promissory note previously issued in connection with the AMRES acquisition, after giving effect to a principal reduction offset for amounts owed by EMB to Wdb, but which were satisfied by e-Net (see below). The note bears interest at the rate of 10% per annum and is convertible into common stock of e-Net.

(ii) e-Net issued to Williams de Broe ("WdB") 3,000,000 shares of restricted common stock valued at $459,000 as consideration for WdB`s release of all claims against e-Net arising under the purported guarantee of EMB`s obligation to WdB by e-Net. The parties agreed that the amount be credited as additional consideration to apply to the EMB notes payable.



--------------------------------------------------------------------------------
iii) EMB acknowledges its obligations to pay all outstanding leases covering equipment and/or furniture now in the possession of e-Net as contemplated by the agreement.
iv) EMB assigns its rights of a portion of e-Net`s note payable totaling $485,446 to AMRES Holdings LLC, owned by Vincent Rinehart. The note bears interest at 10% per annum. This note is convertible into shares of common stock based on 80% of the closing stock price on the date of the conversion. The Company assigned a value of approximately $54,000 to the beneficial conversion feature imbedded in this note. The entire principal balance, together with accrued interest, shall be due and payable, in full, on December 15, 2002.

v) EMB forgave principal and interest totaling $168,006. The balance of $103,404 convertible notes was issued, bearing interest at 10% per annum. The note has a mandatory conversion into the Company`s common stock on December 15, 2001.

The following reflects the reduction of the note payable to EMB as follows:


Note payable $1,055,000
Accrued interest 160,856
-----------
Total due EMB prior to settlement 1,215,856
Less:
Value of 3,000,000 shares to WdB (459,000)
Payable to AMRES Holdings, LLC (485,446)
Debt and interest relief (168,006)
-----------
Balance due EMB after settlement $ 103,404
=========




The following reflects the portion of the non-recurring charge to operations associated with the Global Settlement:


Value of 1,500,000 shares to EMB $ 229,500
Debt and interest relief (168,006)
-----------
Total non-recurring loss $ 61,494
=========




NOTE 3. BRIDGE FINANCING

On June 27, 2001, the Company entered into an Investment Agreement and related documents with Laguna Pacific Partners, LLP. Under the terms of the agreements, in exchange for $225,000 received by the Company from Laguna Pacific, the Company

(i) executed a promissory note in favor of Laguna Pacific in the principal sum of $200,000, bearing interest at the rate of 7% per annum, secured by all of the assets of the Company, and payable on the earlier of nine months from its issuance date or the date the Company`s common stock is listed on the NASDAQ Small Cap market. The purpose of this bridge financing was to finance the proposed start-up of Anza Properties and to provide working capital to the Company, and



--------------------------------------------------------------------------------
(ii) executed a Warrant Agreement which entitled Laguna Pacific to acquire up to $225,000 worth of e-Net common stock for the total purchase price of $1.00, calculated at 70% of the closing stock price on the date immediately preceding the exercise date. The issuance of the warrant was negotiated between Laguna Pacific and e-Net. The Company is required to allocate the proceeds received to the value the warrant and the bridge loan using the relative fair value method and resulting warrant value is reflected as an increase in additional paid in capital and a corresponding reduction (discount) to the face value of the note. Management established the fair value based on $225,000 in common stock, divided by the discount to market of 30% which the holder of the warrants receive when purchasing the shares of common stock for a computed value of $321,428. The relative value of the warrant amounted to $132,345, and such amount is reflected as a discount to the note. The discount on the note will be amortized over the term of the note (March 27, 2002) using the effective interest method.
Other than as set forth above, there is no affiliation between the Company and Laguna Pacific or any of their respective officers or directors.

FORMATION OF ANZA PROPERTIES, INC.

Also on June 27, 2001, in transactions related to the agreements with Laguna Pacific, the Company formed a wholly-owned subsidiary, Anza Properties, Inc., a Nevada corporation ("Anza") capitalized with $75,000 from the proceeds of the bridge loan, which

(i) executed a bond term sheet with e-Net outlining the proposed terms of an offering to raise up to $5,000,000. The purpose of this offering was to obtain capital on behalf of Anza Properties to acquire income producing real estate. This real estate would then provide the Company with improved cash flow and net worth, on a consolidated basis.

(ii) entered into an Employment Agreement with Thomas Ehrlich beginning thirty days from the date of the agreement and ending upon the earlier to occur of the liquidation of the real estate portfolio to be owned by Anza or the completion of a NASDAQ Small Cap listing by e-Net. The Employment Agreement provides for a salary of $20,000 per month, payable only by Anza and specifically not guaranteed of e-Net. Mr. Ehrlich will serve as Anza`s Vice President and will be a director thereof. In connection with the Employment Agreement, e-Net executed a Stock Option Agreement which entitled Ehrlich to acquire up to 2,000,000 shares of e-Net common stock at the closing price on the date of the Option Agreement, vesting equally over the 12 months following the date of the Employment Agreement, and exercisable only in the event Anza is successful in raising a minimum of $2,000,000 in a contemplated $5,000,000 bond offering, and the holders thereof converting at least $2,000,000 of the bonds into equity of e-Net (any amounts less than $2,000,000 will be applied, pro-rata, to the total options exercisable under the Option Agreement). The options are subject in an anti-dilution provision in the event of future issuances of common stock or a reverse stock split. The holder in no event can the option holder own more than 10% of the issued and outstanding common stock in the event of a reverse stock split. The Company will assess the value of these options when the contingencies are removed.

(iii) entered into a Consulting Agreement with Lawrence W. Horwitz to provide legal services to Anza. The Consulting Agreement provides for compensation of $20,000 to be paid on its date of execution, and $5,000 per month for eight months beginning September 1, 2001, guaranteed by e-Net. In addition, e-Net executed a Stock Option Agreement which entitled Horwitz to acquire up to 1,000,000 shares of e-Net common stock on terms identical to those of Ehrlich, described above. The options are subject to an anti-dilution provision in the event of future issuances of common stock or a reverse stock split. The holder in no event can the option holder own more than 5% of the issued and outstanding common stock in the event of a reverse stock split. The Company will assess the value of these options when the contingencies are removed in accordance with SFAS No. 123.

(iv) entered into an Operating Agreement with e-Net concerning the operations of Anza Properties, Inc. The Operating Agreement specifies in material part that Vince Rinehart will be the President of Anza Properties, that Mr. Rinehart and Mr. Ehrlich will be the directors, that the signatures of both Mr. Rinehart and Mr. Ehrlich will be required on all checking accounts, and that the assets of Anza Properties cannot be encumbered without the express written consent of Mr. Rinehart and Mr. Ehrlich.



--------------------------------------------------------------------------------
The purpose of Anza Properties is primarily to improve the net worth of e-Net by acquiring income producing real estate. If Anza Properties is successful in acquiring such properties, its assets would be consolidated with the assets of e-Net, thereby improving the net worth of e-Net.
NOTE 4. STOCKHOLDERS` EQUITY (DEFICIT)

From time to time, the Company`s board of directors authorizes the issuance of common stock. The Company values shares of common stock based on the closing ask price of the securities on the date the directors approve such issuance. In the event the Company issues common stock subject to transferability restrictions under Rule 144a of the Exchange Act of 1933, the Company discounts the closing ask prices by 10% to value its common stock transactions.

On June 14, 2001, Class C Preferred stockholders exercised their option and converted 1,616 shares of Class C Preferred stock into 3,741,671 of the Company`s restricted common stock. Also, on July 13, 2001 an additional 400 shares of the Class C were converted at the option of the shareholders into 924,992 shares of the Company`s restricted common stock. The number of shares received upon conversion was determined based on the conversion discount specified in the agreement of 20%, taking into account the dividends which were due on the Class C Preferred shares. No expense was recorded in either transaction.

In June of 2001, the Company issued 400,000 shares of its restricted common stock both as payment of a $14,482 liability due an outside consultant and as a "buy-out" of the remaining guaranteed contract for this consultant who was providing legal services to the Company. In connection with this transaction, the Company charged operations $43,118 for the difference between the carrying value of the liability and the value of the common stock.

On July 2, 2001, the Company issued 325,000 shares of its restricted common stock valued at $55,575 as a partial satisfaction of a loan payable due an unrelated party. The original amount of the loan, including interest payable was $150,000. The Company continues to repay the note in monthly of payments of $4,350 through May 2, 2002. As of July 31, 2001, $43,000 remained due on the loan.

At various dates from May 1, 2001 through July 31, 2001, the Company issued 2,400,000 shares of common stock, valued at $390,500 to various consultants. Consulting services performed during the three months ended July 31, 2001 is summarized below:



--------------------------------------------------------------------------------



Three Months Ended
July 31, 2001
Costs Shares
Incurred Issued

Financial and Internal Accounting Services $75,750 450,000

Mergers Acquisitions Consulting. . . . . . 191,000 1,125,000

Bravorealty Start-up Costs . . . . . . . . 105,000 700,000

Information Technology Consulting. . . . . 14,000 100,000

Legal Services 4,750 25,000
---------- -----------
Total $ 390,500 2,400,000
========== ===========




Amortization of deferred compensation arrangements was $52,500 during the three months ended July 31, 2001.

Refer to Notes 2 and 3 for discussion of transactions affecting stockholders` equity (deficit).

NOTE 5. EMPLOYMENT AGREEMENT

On June 1, 2001, e-Net entered into an Employment Agreement with Vincent Rinehart. Under the terms of the agreement, the Company is to pay to Mr. Rinehart a salary equal to $275,000 per year, subject to an annual increase of 10% commencing January 1, 2002, plus an automobile allowance of $1,200 per month and other benefits, including life insurance. The agreement is for a term of five years and provides for a severance payment in the amount of $500,000 and immediate vesting of all stock options in the event his employment is terminated for any reason, including cause. Mr. Rinehart was granted options to acquire 2,500,000 shares of e-Net common stock at per share, which shall vest monthly over a three- year period. The options are subject to an anti-dilution provision in the event of future issuances of common stock or a reverse stock split. The holder in no event can own more than 20% of the issued and outstanding common stock in the event of a reverse stock split. The options are exercisable at the fair market value at the date of the grant of $0.08 per share. Using the variable method in accordance with Accounting Principles Board Opinion No. 25, no expense was recognized from the issuance of the options.

NOTE 6. IMPACT OF RECENTLY ISSUED ACCOUNTING STATEMENTS

In July 2001, the FASB issued Statement No. 141, Business Combinations, and Statement No. 142, Goodwill and Other Tangible Assets. Statement 141 requires that the purchase method of accounting be used for all business combinations initiated after June 30, 2001 as well as all purchase method business combinations completed after June 30, 2001. Statement 141 also specifies criteria intangible assets acquired in a purchase method business combination must meet to be recognized and reported apart from goodwill, noting that all purchase price allocable to an assembled workforce may not be accounted for separately. Statement 142 will require that goodwill and intangible assets with indefinite useful lives no longer be amortized, but instead be tested for impairment at least annually in accordance with the provisions of Statement 142. Statement 142 also requires that intangible assets with estimable useful lives be amortized over their respective estimated useful lives to their estimated residual values, and reviewed for impairment in accordance with FAS Statement No. 121, Accounting for the Impairment of Long-Lived Assets and for Long-Lived Assets to be Disposed Of. The Company is required to adopt the provisions of Statement 141 immediately, except with regard to business combinations initiated prior to July 1, 2001, and to adopt Statement 142 effective with the fiscal year beginning May 1, 2002.



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The Company meets the criteria for early adoption of Statement 142, and has elected early adoption of the statement during the first quarter of 2001 with no material effect on our financial condition and results of operations based on the requirements of Statement 142. See Note 7 for further discussion.
NOTE 7 GOODWILL - ADOPTION OF STATEMENT 142

The Company has elected early adoption of SFAS No.142. Accordingly, the Company has stopped amortization of goodwill effective May 1, 2001. However, goodwill amortization continues to be presented in the three months ended July 31, 2000, statement of operations. Had the provision of SFAS No. 142 been applied for the three months ended July 31, 2000, the Company`s net income and net income per share would have been as follows:


For the three months ended
July 31,
2000 2001
______________________________________


Reported net income (loss) (800,153) (262,522)


Add back: Goodwill amortization. 144,186 -
------------ ------------


Adjusted net income (loss) (655,967) (262,522)
============ ============


Basic earnings per share:
Reported net income (loss) (0.04) (0.01)
============ ============
Goodwill amortization 0.007 -
============ ============
Adjusted net income (0.03) (0.01)
============ ============




There was no goodwill amortization recognized in the first three months of fiscal 2002 and, as of July 31, 2001, net goodwill was $250,000 for Titus Real Estate, Inc., and $175,247 for Expidoc.Com, Inc. The net goodwill balance as of July 31, 2001 remains unchanged from the April 30, 2001, balance. There were no intangible assets recorded for the Company as of July 31, 2001.



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Management assessed the value of Titus during the fourth quarter of fiscal year 2001 based on a liquidation or residual value of the enterprise, and they recorded an impairment at that time. In contemplating the adoption of SFAS No. 142, management assessed the intangible assets of Expidoc. At May 1, 2001, the date of adoption, management believed that the primary intangible asset of Expidoc was goodwill. Because of the relative immateriality of the carrying value of the Expidoc goodwill, management did not believe that an appraisal was necessary to determine what amount, if any, should be allocated to intangible assets with definite lives. Management believes the enterprise value of Expidoc exceeds the carrying value of goodwill.

NOTE 8. SUBSEQUENT EVENTS

INVESTMENT BANKING AGREEMENT

On May 27, 1999, the Company entered into an agreement with an investment banker to seek debt financing through public or private offerings or debt or equity securities and in seeking merger and acquisition candidates. Per the agreement, the Company granted the investment banker options to purchase 200,000 shares of the Company`s common stock at an exercise price of $0.13, expiring on May 31, 2001. Additionally, the Company was required to pay $60,000 for the initial twelve months. In addition, the agreement specified that the investment banker will receive a percentage of consideration received in a merger, acquisition, joint venture, debt or lease placement and similar transactions through May 31, 2001. The Company valued these options using the Black Scholes model at $3.14 per share for total consulting expenses of $627,200 and amortized such an expense over the course of the contract. In April 2000, the parties agreed to amend the agreement to eliminate the fee based on a percentage of the consideration of a transaction, and to grant the investment banker 200,000 shares of the Common Stock and to cancel the options to purchase 200,000 shares. As of July 31, 2001, entire value of this contract had been amortized. These shares were not issued due to delays caused by the Company; however, through August 7, 2001, the investment banker had rights to receive such shares by amendment amongst the parties. Accordingly, such shares are included in the outstanding shares at July 31, 2001. On August 7, 2001, the Company agreed to settle a dispute over the terms of the amendment in by canceling the 200,000 shares in exchange for 1,500,000 of the Company`s restricted common stock. The Company valued the additional 1,300,000 shares at $0.17 and will charge operations by $221,000 for this non-recurring loss on settlement during the three mont.

COMMON STOCK ACTIVITY

Subsequent to July 31, 2001, the Company issued 1,100,000 shares of the Company`s registered common stock under Form S-8 to consultants. The shares were issued for legal, internal accounting, mergers and acquisition consulting, information technology consulting and Bravorealty start-up costs. The shares were valued at $144,000 and charged to consulting expense during the quarter ended October 31, 2001.



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ITEM 2 MANAGEMENT`S DISCUSSION AND ANALYSIS OR PLAN OF OPERATION
OVERVIEW
The Company is an independent financial services company, who`s primary source of revenue is AMRES, a wholly owned subsidiary. AMRES offers loan originators a "net-branch" opportunity, in which AMRES provides licensing, accounting and lender approvals in over 40 states. They maintain a web site, www.amres.net, which contains detailed information on AMRES. Currently over 180 net-branches are operating, in addition to four Corporate owned branches in four counties in Southern California. Further rapid growth is anticipated, both from commissioned and corporate marketing staff. Loan processing, mortgage banking and acquisitions will provide additional revenues sources. During the three months ended July 31, 2001, AMRES generated operating income in excess of $300,000.

The Company has seen improvement in other subsidiaries as well.

Expidoc.com has added Ditech.com as a customer, and is now doing over 500 loan document signings a month through their network of notaries in all 50 states. By adding staff, and implementing a new marketing initiative, Expidoc should improve its operations and achieve profitability in the near future.

BravoRealty.com (69% owned subsidiary) has established joint venture branches in four locations. In addition, BravoRealty.com has initiated a net branch of AMRES inside Bravo, and has experienced an increase in revenues from home loans brokered. Bravorealty has incurred the expenses to begin, and within 120 days is expected to establish the documentation, licensing, marketing materials and operations to sell "Bravo Real Estate Network" franchises. Former officers of Century 21 have been acting as advisors to Bravorealty. Their objective is being operationally profitable by the end of the fiscal 3rd quarter, excluding additional start-up costs of franchising. Due to these start-up costs, Bravorealty had incurred a small operating loss for the current quarter.

Titus Real Estate, LLC, operates as the manager of Titus REIT, a real estate investment trust. Current shareholders of the REIT have requested the selling of assets in order to return their original investment. As such, six of the ten properties are in escrow to be sold. It is the intent of the management of the Company to raise new capital for Titus REIT when the market permits, estimating the summer of 2002 as a possible target date. The Company believes the long term benefits of a REIT compliment the Company`s business plan. Titus Real Estate, LLC, has incurred small operating losses during the current quarter.

ANZA Properties was established in July 2001, for the purpose of raising investor funds from accredited investors, for the initial purpose of purchasing Income Producing Real Estate. It will be the intention of the Company to convert these investors, whom originally invested in ANZA bonds, into the Company`s equity. The ultimate goal, if obtained, is to list the Company on a National Market System, such as the NASDAQ (see Note 2). Anza is in the development stage. The Company has incurred approximately $75,000 of expenses in connection with the establishment of Anza.

REVENUES

Revenues increased by $2,680,068, or 113%, to $5,046,030 for the year three months ended July 31, 2001, compared to $2,365,962 for the three months ended July 31, 2000. The growth in revenues is primarily attributable to the expansion and growth of AMRES through the brokering of loans. AMRES accounted for greater than 95% of consolidated revenues for both periods. AMRES, as did most of the mortgage industry, benefited greatly from the decline in interest rates over the last several months. Typically, as interest rates fall, the refinance market heats up expanding the market of interested borrowers beyond those borrowing for the purchase of their primary residence. AMRES benefited from this market upturn, as they had the capacity in terms of people and infrastructure to accommodate the additional business.



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More significantly, the growth of the net branch program at AMRES was the major contributor to the growth in revenue. AMRES` net branch program comprised approximately 180 branches as of July 31, 2001, compared to less than ten branches as of July 31, 2000. The Net Branch program is expected to continue to be a primary growth vehicle for the Company in the future. In addition, the mortgage banking division of AMRES is expected to continue its expansion over the next six to nine months.
Revenues for Expidoc decreased slightly to $56,817 for the three months ended July 31, 2001 compared to $72,543 for the three months ended July 31, 2000. The decrease is primarily a result of Expidoc refocusing its market strategy to secure higher volume customers as compared to many low-volume customers. Revenues declined for a brief period of time during the quarter while Expidoc was reducing its customer base and ramping up with some of its new larger customers.

Bravorealty became operational in January 2001. For the three months ended July 31 2001, total revenues amounted to $102,310. These revenues were generated based on approximately ten closed real estate purchase transactions during the quarter. Management believes that Bravorealty will be a significant growth vehicle for the Company over the next 12 months, as evidenced by the steady increase in the number of real estate sales` listings and closed transactions generated by Bravorealty so far this fiscal year.

Revenues from Titus were not material for the periods presented.

Costs and Expenses

Commissions are paid to loan agents on funded loans. Commissions increased by $1,719,709 or 101.1%, for the three months ended July 31, 2001, to $3,421,315 from $1,701,606 for the three months ended July 31, 2000. This increase is primarily related to the increased revenues discussed above. As a percentage of revenue, the cost of revenue decreased by 3.9%, to 68.0% compared to 71.9% for the three months ended July 31, 2001 and the three months ended July 31, 2000, respectively. This decrease is attributable to the Company leveraging its increased revenues as the Company earns a higher commission split (compared to the loan agent) once certain revenue targets are reached.

General and Administrative Expenses

General and administrative expenses totaled $1,377,910 for the three months ended July 31, 2001, compared to $971,632 for the three months ended July 31, 2000. This increase of $406,278 can be primarily attributed to the business growth of the operating subsidiaries, namely AMRES, as additional personnel, office space and other administrative costs are required to handle the expansion. Effective in the first quarter of fiscal 2001, the Company had implemented significant cost reductions to reduce its administrative expenses at its corporate offices.



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The Company has elected early adoption of Statement 142 and as such, has not recorded any goodwill amortization for the three months ended July 31, 2001. Goodwill amortization relating to the Company`s acquisitions of Expidoc, Titus, and LoanNet amounted to approximately $145,000 for the three months ended July 31, 2000.
Consulting Expenses

To date, the Company has funded a portion of its operating costs through the use of its common stock paid to outside consultants. During the three months ended July 31, 2001, costs paid in the form of common stock to outside consultants totaled approximately $410,795, representing 2,400,000 shares of common stock. For the three months ended July 31, 2000, costs paid in the form of common stock issued to outside consultants totaled $519,290. The stock issued in connection with Bravorealty was reported as deferred compensation and $52,500 was expensed during the three months ended July 31, 2001.

Interest Expense

Interest expense was $43,470 for the three months ending July 31, 2001, compared to $47,342 for the three months ended July 31, 2000.

Net Losses

The Company`s net losses for the three months ending July 31, 2001 and 2000 were ($262,522), and ($800,153), or ($0.01) and ($0.04) per share respectively. During the most recent three-month period, the non-cash expense component of the Company`s net loss was significant. For the three months ending July 31, 2001, non-cash expense relating to common stock issued to consultants, for interest and for non-recurring settlements amounted to $390,500, $35,714 and $61,494, respectively. The Company believes that with its continued growth in revenues and its ability to leverage its fixed costs against those revenues, it will be able to reduce its net losses in the future, and possibly achieve profitability.

LIQUIDITY AND CAPITAL RESOURCES

Cash Flows

Net cash used in operating activities was $922,792 and $417,167 for the three months ending July 31, 2001 and 2000, respectively. For both periods, the Company incurred net losses from operations. Significant non-cash expenses impacting the loss from operations for the period ending July 31, 2001 related to stock compensation paid to outside consultants and employees in the amount of $400,912. Increase in loans held for sale of $1,096,675 was also a significant contributor to the cash used in operating activities for the three months ending July 31, 2001.

Net cash used by investing activities were $12,527 and $29,553 for the three months- ended July 31, 2001and 2000, respectively. There were no individually significant sources or uses of funds from investing activities for either period presented.

Net cash provided by financing activities was $1,273,920 and $313,437 for the periods ending July 31, 2001 and July 31, 2000 respectively. Cash provided by financing for the period ended July 31, 2000 relates primarily to net proceeds received from private placements of the Company`s stock, reduced by payments made on the Company`s note payable to EMB corporation related to the acquisition of AMRES. Cash provided by financing for the period ended July 31, 2001 relates primarily to advances on the Company`s warehouse line of credit in the amount of $1,073,920 associated with its mortgage banking operations. This obligation is secured by first and second trust deed mortgages.



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The Company generated cash flows from a bridge financing in the amount of $200,000. The Company was required to issue warrants to purchase 225,000 shares of common stock for $1.00, the exercise price of which is based on a 30% discount from the closing bid price on the date of exercise. The total value of the warrants amounted to $132,345 based on the relative fair value of the warrants to the proceeds from the financing. The value is treated as a discount to the carrying value the debt which is being amortized over the nine-month term of the note using the effective interest method. The Company plans to repay the note from proceeds generated from an offering of securities by Anza. In the event the capital from the Anza is not received, management intends to repay the note from cash on hand, or cash flows generated from operations, if any.
The Company significantly improved their financial position upon completing a "Global Settlement" June 26, 2001. The Company substantially increased its net worth and reduced its liability to EMB from $1,215,856 to $103,404, after issuing a convertible note to AMRES Holding LLC and issuing 4.5 million shares of its common stock. The original obligation to EMB further required the Company to pursue an S-1 registration that had become very time consuming of management, and costly in terms of cash, which has now been withdrawn.

The Company is current in servicing its obligations as they become due. From time to time, the Company used its common stock to provide compensation for outside services that were required. It is the belief of management, that beginning the third quarter 2001, little or no common stock will be issued for services.

The Company`s stockholders deficit has been significantly reduced from $1,184,382 to $86,265 primarily due to the issuance of common stock in relief of debt.

Management is pleased with the current direction and financial improvement of the Company. The operating subsidiaries are expanding in tough economic times. AMRES and Expidoc.com are currently profitable. BravoRealty is performing as projected, requiring budgeted initial investment in capital prior to ramping up to full operations, including anticipated selling of franchises. And, Titus with a small loss, is poised for a round of new investors when the markets permit. The cash flow of the Company has markedly improved, with cash on hand ending July 31 of $431,487 versus $152,300 the year earlier. Short-term debt is manageable. A $43,000 note is being paid off in monthly payments through May of 2002. The $200,000 note due Bridgeloan is to be paid from fundraising in the new subsidiary, Anza Properties, or can be paid with cash on hand. The $485,446 convertible note due our Chief Executive, due in December 2002, will convert into common stock, or extend the maturity date, at holder`s option, if paying in cash proves too difficult for E-net. The $103,404 convertible note due in December 2002, can be converted to equity at E-net`s option. And, the $1,798,400 in convertible preferred is expected to convert to common stock. Significant debt has been eliminated, and no current obligations are delinquent. It is our opinion, baring some significant adverse change in our business, that E-net should not only be profitable in the near term, but continue to grow rapidly as well. Finally, through recently established subsidiary Anza Properties, E-net has initiated plans to establish sufficient net worth in order to file for listing on a national exchange, such as NASDAQ, in mid-2002.



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Our Interim financial statements have been prepared assuming the Company will continue as a going concern. Because the Company has incurred significant losses from operations and has excess current liabilities over current assets totaling approximately $82,630, it may require financing to meet its cash requirements. Our auditors included an explanatory paragraph in their annual report raising substantial doubt about its ability to continue as a going concern. However, during the three months ended July 31, 2001, the Company executed relief from certain obligations by settlement of its creditors. Cash requirements depend on several factors, including but not limited to, the pace at which all subsidiaries continue to grow, become self supporting, and begin to generate positive cash flow, as well as the ability to obtain additional services for common stock or other non-cash consideration.
If capital requirements vary materially from those currently planned, the Company may require additional financing sooner than anticipated. At present, there are no firm commitments for any additional financing, and there can be no assurance that any such commitment can be obtained on favorable terms, if at all. Management has implemented several reductions of costs and expenses to reduce its operating losses. Management plans to continue its growth plans to generate revenues sufficient to meet its cost structure. Management believes that these actions will afford the Company the ability to fund its daily operations and service its remaining debt obligations primarily through the cash generated by operations; however, there are no assurance that management`s plans will be successful. No adjustments have been made to the carrying value of assets or liabilities as a result of these uncertainties.

Except for historical information, the materials contained in this Management`s Discussion and Analysis are forward-looking (within the meaning of
Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934) and involve a number of risks and uncertainties. These include the Company`s historical losses, the need to manage its growth, general economic downturns, intense competition in the financial services and mortgage banking industries, seasonality of quarterly results, and other risks detailed from time to time in the Company`s filings with the Securities and Exchange Commission. Although forward-looking statements in this Quarterly Report reflect the good faith judgment of management, such statements can only be based on facts and factors currently known by the Company. Consequently, forward-looking statements are inherently subject to risks and uncertainties, actual results and outcomes may differ materially from the results and outcomes discussed in the forward-looking statements. Readers are urged to carefully review and consider the various disclosures made by the Company in this Quarterly Report, as an attempt to advise interested parties of the risks and factors that may affect the Company`s business, financial condition, and results of operations and prospects.



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PART II
ITEM 1 LEGAL PROCEEDINGS

There have been no material developments to the reportable events in the Company`s Form 10-KSB filed with the SEC on August 16, 2001.

ITEM 2 CHANGES IN SECURITIES

BRIDGE FINANCING

On June 27, 2001, the Company entered into an Investment Agreement and related documents with Laguna Pacific Partners, LLP. Under the terms of the agreements, in exchange for $225,000 received by the Company from Laguna Pacific, the Company

(i) executed a promissory note in favor of Laguna Pacific in the principal sum of $200,000, bearing interest at the rate of 7% per annum, secured by all of the assets of the Company, and payable on the earlier of nine months from its issuance date or the date the Company`s common stock is listed on the NASDAQ Small Cap market. The purpose of this bridge financing was to finance the proposed start-up of Anza Properties and to provide working capital to the Company, and

(ii) executed a Warrant Agreement which entitled Laguna Pacific to acquire up to $225,000 worth of e-Net common stock for the total purchase price of $1.00, calculated at 70% of the closing stock price on the date immediately preceding the exercise date. The issuance of the warrant was negotiated between Laguna Pacific and e-Net.

Other than as set forth above, there is no affiliation between the Company and Laguna Pacific or any of their respective officers or directors.

FORMATION OF ANZA PROPERTIES, INC.

Also on June 27, 2001, in transactions related to the agreements with Laguna Pacific, the Company formed a wholly-owned subsidiary, Anza Properties, Inc., a Nevada corporation ("Anza") capitalized with $75,000 from the proceeds of the bridge loan, which

(i) executed a Bond Term Sheet with e-Net outlining the proposed terms of an offering to raise up to $5,000,000. The purpose of this offering was to obtain capital on behalf of Anza Properties to acquire income producing real estate. This real estate would then provide the Company with improved cash flow and net worth, on a consolidated basis.

(ii) entered into an Employment Agreement with Thomas Ehrlich beginning thirty days from the date of the agreement and ending upon the earlier to occur of the liquidation of the real estate portfolio to be owned by Anza or the completion of a NASDAQ Small Cap listing by e-Net. The Employment Agreement provides for a salary of $20,000 per month, payable only by Anza and specifically not guaranteed of e-Net. Mr. Ehrlich will serve as Anza`s Vice President and will be a director thereof. In connection with the Employment Agreement, e-Net executed a Stock Option Agreement which entitled Ehrlich to acquire up to 2,000,000 shares of e-Net common stock at the closing price on the date of the Option Agreement, vesting equally over the 12 months following the date of the Employment Agreement, and exercisable only in the event Anza is successful in raising a minimum of $2,000,000 in a contemplated $5,000,000 bond offering, and the holders thereof converting at least $2,000,000 of the bonds into equity of e-Net (any amounts less than $2,000,000 will be applied, pro-rata, to the total options exercisable under the Option Agreement). Mr. Ehrlich is to be involved in the identification of potential investment opportunities, the acquiring of capital, and the operation of Anza Properties.



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(iii) entered into a Consulting Agreement with Lawrence W. Horwitz to provide services to Anza. The Consulting Agreement provides for compensation of $20,000 to be paid on its date of execution, and $5,000 per month for eight months beginning September 1, 2001, guaranteed by e-Net. In addition, e-Net executed a Stock Option Agreement which entitled Horwitz to acquire up to 1,000,000 shares of e-Net common stock on terms identical to those of Ehrlich, described above. Mr. Horwitz is a licensed California attorney. Mr. Horwitz is providing legal services to e-Net and Anza Properties.
(iv) entered into an Operating Agreement with e-Net concerning the operations of Anza Properties, Inc. The Operating Agreement specifies in material part that Vince Rinehart will be the President of Anza Properties, that Mr. Rinehart and Mr. Ehrlich will be the directors, that the signatures of both Mr. Rinehart and Mr. Ehrlich will be required on all checking accounts, and that the assets of Anza Properties cannot be encumbered without the express written consent of Mr. Rinehart and Mr. Ehrlich.

See our Notes to the Consolidated Financial Statements for accounting treatment of options and warrants issued above.

The purpose of Anza Properties is primarily to improve the net worth of e-Net by acquiring income producing real estate. If Anza Properties is successful in acquiring such properties, its assets would be consolidated with the assets of e-Net, thereby improving the net worth of e-Net.

All issuances were exempt from registration pursuant to Section 4(2) of the Securities Act of 1933.

GLOBAL SETTLEMENT

As part of the acquisition of AMRES, e-Net was obligated to file and prosecute until completion a registration statement with the Securities and Exchange Commission for the purpose of registering 7,500,000 shares of e-Net common stock issued to EMB. Additionally, e-Net was obligated to pay the sum of $4,000,000 under the terms of a promissory note issued to EMB.

In an unrelated transaction, Williams de Broe loaned the sum of $700,000 to EMB, which remained unpaid at the time of the Global Settlement. In connection with a revision of the agreement between EMB and Williams de Broe, the then-chairman of e-Net executed a document on behalf of e-Net in favor of Williams de Broe, which Williams de Broe believed acted as a guarantee of EMB`s obligation. e-Net disputed this assertion.

In order to settle the outstanding disputes among all the parties, on June 26, 2001, e-Net entered into a settlement agreement with EMB Corporation, AMRES Holding LLC, Vincent Rinehart, and Williams de Broe (the "Global Settlement"). As part of the Global Settlement:

(i) e-Net issued to EMB 1,500,000 shares of restricted common stock as consideration for EMB`s waiver of its registration rights for 7,500,000 shares of e-Net common stock already held by EMB. The shares were valued at $0.14 per share based on a 10% discount from the closing price on the date of the agreement. The Company will record a settlement expense of $229,500 with regard to this issuance. e-Net issued to EMB a promissory note in the principal amount of $103,404, which

[2002buyer]

Anza Capital Inc. Continues Expansion Into 2002
via COMTEX

March 1, 2002

COSTA MESA, Calif., Mar 1, 2002 (BUSINESS WIRE) --

Vincent Rinehart, president & CEO of Anza Capital Inc. `AnzaCap,` (OTCBB:ANZA) (Frankfurt Exchange:ANZA.f); (Berlin Exchange: ANZA.BE) announced the continued growth of American Residential Funding.

Rinehart said: `American Residential Funding `AMRES,` www.amres.net, a wholly owned AnzaCap subsidiary, closed approximately $65 million in loans in February (exact numbers will be known March 21). This represents a 270% increase over January 2001`s level of $24,347,000.

`We are very pleased with our February numbers, as it is the slowest month of the year, since loans closed in February were originated in January. The originations in February, which will close in March, are reported by our branches to have significantly increased. This higher volume for March and beyond is due to increased production per branch, as well as the addition of new branches.

`Since January, our staff of seven full time branch marketing personnel has opened over 30 new branches. These new branches, as well as the entering of the Spring home buying season, appears to make the prospects for the continued rapid growth of AMRES even brighter.`

`Combined with January`s production, AMRES has closed over $150 million in loans the first two months of 2002. AMRES has initiated a complete operational restructuring to handle this new volume in business, including increased staffing. With six full time personnel in accounting, and nine in net branch support staff, we believe the expected increase in volume in 2002 will be serviced to the high standards demanded by AMRES,`stated Jeff Hemm, president.

Rinehart added: `The Quarterly report, for the period ending Jan. 31, of Anza Capital Inc., is expected to be issued prior to March 15. ANZA has also engaged two firms, one in Germany and one in the United States, to provide both shareholders as well as potential new shareholders, news updates and information about ANZA. We anticipate this additional exposure will assist in adding shareholder value.`

This news release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding future results of operations and market opportunities that are based on ANZA`s current expectations, assumptions, estimates and projections about the company and its industry. Investors are cautioned that actual results could differ materially from those anticipated by the forward-looking statements as a result of risks, competition and other factors. These factors, along with other potential risks and uncertainties are discussed in ANZA`s reports, as well as their subsidiaries, and other documents filed with the Securities and Exchange Commission, especially the 10-KSB filed Dec. 1, 2001, and recent Quarterly reports. ANZA assumes no obligation to update the forward-looking information contained in this news release and encourages all potential investors to do their own due diligence and suitability analysis before any investment is made.

ANZA Capital Inc., Costa Mesa Vincent Rinehart, 714/866-2100 [e-mail]

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[Viva-los-Tioz]

Anza Capital expandiert 2002 weiter

COSTA MESA, Kalifornien – (BUSINESS WIRE) – 1. März 2002 – Vincent Rinehart, Präsident und CEO von Anza Capital Inc. “AnzaCap,” (OTCBB: ANZA – news; Frankfurter Börse: ANZA.f); (Berliner Börse: ANZA.BE) gibt das weitere Wachstum von American Residential Funding bekannt.

Rinehart sagte: “American Residential Funding `AMRES`, www.amres.net, eine Tochtergesellschaft von AnzaCap, hat im Februar Kredite in Höhe von ca. $65 Mio. abgeschlossen (die genauen Zahlen werden am 21. März bekannt sein). Das bedeutet einen 270%igen Anstieg gegenüber Januar 2001 mit $24.347.000.

“Wir freuen uns sehr über unsere Februar-Zahlen, weil das der schwächste Monat im Jahr ist, da die Kredite, die im Januar angebahnt wurden, im Februar geschlossen worden sind. Die Anbahnungen im Februar, die im März geschlossen werden, stiegen signifikant an, was von unseren Filialen bestätigt wurde. Dieses höhere Volumen für März und danach resultiert aus der höheren Produktion pro Filiale ebenso wie aus dem Aufbau neuer Filialen.“

“Seit Januar hat unser Personal von sieben Vollzeit-Marketing-Mitarbeitern über 30 neue Filialen eröffnet. Diese neue Filialen, ebenso wie die Eröffnung der Frühlings-Hauskauf-Saison, lassen die Aussichten auf ein weiteres rasantes Wachstum von AMRES steigen.“

“Kombiniert mit der Produktion vom Januar hat AMRES in den ersten beiden Monaten des Jahres 2002 über $150 Millionen abgeschlossen. AMRES hat mit einer kompletten operativen Restrukturierung begonnen, um dieses neue Geschäftsvolumen, inkl. der steigenden Mitarbeiterzahl, zu handeln. Mit sechs Vollzeit-Angestellten und neun Filialmitarbeitern glauben wir, dass der erwartete Anstieg 2002 die hohen Standards erfüllen wird, die von AMRES gestellt werden,“ sagte Jeff Hemm, Präsident.

Rinehart fügte hinzu: “Der Quartalsbericht für Anza Capital Inc. für die Periode, die am 31. Januar endet, wird voraussichtlich am 15. März eingereicht. ANZA hat auch zwei Unternehmen engagiert, eins in Deutschland und eins in den USA, um den jeweiligen Aktionären und potentiellen neuen Aktionären News und Informationen über ANZA anzubieten. Wir erwarten, dass diese zusätzliche Bekanntmachung uns hilft, die Zahl der Aktionäre zu erhöhen.“

[SeibMertinat]

Unternehmensquerschnitt

+ Hypothekengeschäft auf der Spur von 1 Milliarde Dollar im Jahr 2002

+ Signierservice mehr als verdoppeln

+ Bravo hat nun 7 Büros in 6 Städten


Geschäftsplan

Der Geschäftsplan für Anza Capital, Inc. Bietet dem Unternehmen die Entwicklung und Lieferung von verschiedenen Finanzservices durch das Internet oder andere Medien. Diese Geschäfte konzentrieren sich derzeit auf Eigenheimkredite und die Brokerage-Industrie. Anza Capital, Inc. Wird weiterhin die führende Quelle für technologisch geführte Finanzservice-Unternehmen sein, das schnell wächst durch strategische Aquisitionen, Joint Venture Arrangements und interne Expansion von existierenden Geschäften.



(Ertragsquellen)


Das Unternehmen

Anza Capital, Inc ist ein unabhängiges Finanzservice-Unternehmen, dessen Haupt-Einnahmequelle American Residential Funding „AMRES“ ist, eine Tochtergesellschaft des Unternehmens. AMRES bietet Kreditgebern die Möglichkeit von Netzfilialen an, in denen AMRES die Lizenzierung, Abrechnung und Vergabe von Krediten in über 40 Staaten anbietet. Das Unternehmen unterhält eine Website, www.amres.net, die detaillierte Informationen über AMRES enthält und auch die Netzfilialen mit den verschiedenen Unternehmens-Services darstellt. Das Unternehmen hat auch Verbesserungen in anderen Tochtergesellschaften erfahren. Expidoc.com hat Ditech.com als Kunden gewonnen und unterzeichnet nun über 500 Kreditdokumente pro Monat durch sein Notar-Netzwerk in allen 50 Staaten, wodurch man die Geschäfte verdreifacht hat. BravoRealty.com (eine 60%ige Tochtergesellschaft) hat Joint-Venture-Filialen in vier Städten eröffnet. Zusätzlich operiert Titus Real Estate, LLC als der Manager Titus REIT, ein Eigenheim-Investment-Trust. ANZA Properties wurde im Juli 2001 gegründet, um Investoren-Funds von akkreditierten Investoren zu erhöhen und um Real Estate zu kaufen. Es ist die Absicht des Unternehmens, diese Investoren für sich zu gewinnen, die ursprünglich in ANZA-Bonds investiert waren, in das Eigenkapital des Unternehmens. Das ultimative Ziel ist es, das Unternehmen an einem National Market System zu listen, beispielsweise der NASDAQ.


Darlehensproduktion 2001 (AMRES)




Einkünfte (AMRES)




Finanzen

Jahresende 4. Q. 01. 1. Q. 01 2. Q. 01

Bruttoeink. 3.463.347 $1.631.641 $5.345.832 $

Ausgaben $9.858.287 $1.853.980 $5.699.785 $

Einkommen ($6.394.940) ($222.340) ($353.953) $



Schulden & Eigenkapital

Autorisierte Aktien: 100.000.000

Outstanding Shares: 45.000.000

Wandelbare Sicherheiten und Abrechnungen

Vorzugsaktien C 1.750.000

Vorzugsaktien A 250.000

Wechsel 700.000

Warrants / Optionen 2.000.000 (geschätzt)

[Klaus63]

Der Quartalsbericht ist da!!!!!!!!!!!!

http://www.pinksheets.com/quote/filings.jsp?url=%2Fredirect.…

Grüße
Klaus

[2002buyer]

Anza Capital Inc. Records First Profitable Quarter in Its 10-QSB Filed March 25, 2002

March 27, 2002

COSTA MESA, Calif., Mar 27, 2002 (BUSINESS WIRE) --

Vincent Rinehart, president &CEO of Anza Capital Inc. `Anza Capital`, (OTC BB:ANZA) (Frankfurt Exchange:ANZA.f) (Berlin Exchange:ANZA.BE) announced that Anza Capital recorded their first profitable quarter, ending Jan. 31, 2002, and filed their 10-QSB on March 25, 2002, which management strongly encourages everyone to read.

Rinehart said: `As previously announced, American Residential Funding Inc., a wholly owned subsidiary, had recorded record revenues for the quarter. The profits from this operation exceeded expenses generated by other subsidiaries, as well as the expenses of the parent corporation, Anza Capital.`

`The cash flow of the company has markedly improved, with cash on hand ending January 31, 2002 of $633,655 versus $522,405 the year earlier. Short-term debt is manageable, while long-term debt has been paid down, and no obligations are delinquent. It is the opinion of management, baring some significant adverse change in our business or the economy, that Anza Capital should continue to grow and continue to operate profitably,`said Rinehart.

Certain portions of Management`s Discussion and Analysis are:

Three Months Ended Jan. 31, 2002 Compared With The Three Months Ended Jan. 31, 2001

Revenues

Revenues increased to $6,644,696 for the three months ended Jan. 31, 2002, compared with $2,553,804 for the three months ended Jan. 31, 2001. The growth in revenues is primarily attributable to the expansion and growth of AMRES through the brokering of loans. AMRES accounted for greater than 96% of consolidated revenues for both periods.

AMRES, as did most of the mortgage industry, benefited greatly from the decline in interest rates over the last several months. Typically, as interest rates fall, the refinance market heats up expanding the market of interested borrowers beyond those borrowing for the purchase of their primary residence. AMRES benefited from this market upturn, as they had the capacity in terms of people and infrastructure to accommodate the additional business.

Gross Profit

Commissions are paid to loan agents on funded loans. Commissions increased by $1,295,170 or 58%, for the three months ended Jan. 31, 2002, to $3,527,541 from $2,232,371 for the three months ended Jan. 31, 2001. This increase is primarily related to the increased revenues discussed above. As a percentage of revenue, the cost of revenue decreased by 34%, to 53% compared with 87% for the three months ended Jan. 31, 2002 and the three months ended Jan. 31, 2001, respectively.

This decrease is attributable to the company leveraging its increased revenues as the company earns a higher commission split (compared with the loan agent) once certain revenue targets are reached. Gross profit increased by $3,085,012 or 960% for the three months ended Jan. 31, 2002, to $3,117,155 from $321,433 for the three months ended Jan. 31, 2001.

General and Administrative Expenses

General and administrative expenses totaled $3,027,027 for the three months ended Jan. 31, 2002, compared with $964,225 for the three months ended Jan. 31, 2001. This increase of $2,062,802 can be primarily attributed to the business growth of the operating subsidiaries, namely AMRES, as additional personnel, office space and other administrative costs are required to handle the expansion. Effective in the first quarter of fiscal 2001, the company had implemented significant cost reductions to reduce its administrative expenses at its corporate offices.

Extraordinary Item

On Jan. 17, 2002, American Residential Funding, a subsidiary (`AMRES`) purchased a note payable by the company to a related party in the amount of $103,404 and accrued interest totaling $6,291 for consideration of $40,000 of which $25,000 was tendered. In the consolidation the note payable is eliminated and the company recognizes extraordinary income of $69,695 from forgiveness of debt. The company used cash from operations to satisfy these settlements.

Net Income (Loss)

The company`s net income for the three months ending Jan. 31, 2002 was $15,768, or $- per share compared with a net loss of $3,034,228, or $(0.14) per share for the three months ended Jan. 31, 2001. The company believes that with its continued growth in revenues and its ability to leverage its fixed costs against those revenues, it will be able to achieve profitability in future quarters.

This news release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding future results of operations and market opportunities that are based on Anza Capital`s current expectations, assumptions, estimates and projections about the company and its industry. Investors are cautioned that actual results could differ materially from those anticipated by the forward-looking statements as a result of risks, competition and other factors. These factors, along with other potential risks and uncertainties are discussed in Anza Capital`s reports, as well as their subsidiaries, and other documents filed with the Securities and Exchange Commission, especially the amended Form 10-KSB filed March 5, 2002, and recent Quarterly reports, the most recent filed March 25, 2002. Anza Capital assumes no obligation to update the forward-looking information contained in this news release and encourages all potential investors to do their own due diligence and suitability analysis before any investment is made.

Anza Capital Inc., Costa Mesa Vincent Rinehart, 714/866-2100 [e-mail]

http://www.businesswire.com

Today`s News On The Net - Business Wire`s full file on the Internet with Hyperlinks to your home page.

Copyright (C) 2002 Business Wire. All rights reserved.

[Viva-los-Tioz]

“Angebot über Finanzdienstleistungen für eine sich rapide ändernde Immobilienindustrie”











OTC BB: ANZA
Frankfurter Börse: ANZA.f
Berliner Börse: ANZA.BE















Inhaltsverzeichnis

ANZA Capital, Inc. Seite
- Unternehmensüberblick 3
- Geschichte der Anza Capital, Inc. 4
- Erfolgsstrategien 4
- Management (inkl. Tochtergesellschaften) 5
- Finanzinformationen 6

American Residential Funding
- Unternehmensüberblick 8
- Einnahmen-Chart 9

Expidoc.com
- Unternehmensüberblick 10
- Einnahmen-Chart 10

BravoRealty.com
- Unternehmensüberblick 11
- Einnahmen-Chart 13

Titus Real Estate, Inc.
- Unternehmensüberblick 14
- Einnahmen-Chart 14




























Unternehmensüberblick

Es ist das vorrangige Ziel der Anza Capital, Inc., die Anzahl der Aktionäre durch rapides Wachstum zu erhöhen, in dem man anstrebt, der führende Anbieter im Bereich der Technologie-, Finanz-, Marketing- und Managementindustrie zu sein.
Anza Capital, Inc. Ist durch seine Tochtergesellschaften ein unabhängiger Anbieter von Finanzdienstleistungen in der Immobilienbranche. Es werden die Lizenzierung, die Buchführung, ein Hauptkreditgeberzugang und Marketingunterstützung durch die Tochtergesellschaften angeboten. Die Haupteinnahmequelle ist American Residential Funding, Inc. „AMRES“, eine hundertprozentige Tochtergesellschaft, die Kreditgebern die Möglichkeit der Netzfilialen bietet. AMRES bietet diese Dienstleistungen in über 40 Staaten an. Das Unternehmen unterhält eine Website, www.amres.net, die detaillierte Informationen über AMRES enthält, sowie über die Netzfilialen mit den verschiedenen Dienstleistungen. AMRES wird in Kürze die Site www.amres.info einführen, die den Service für unsere Vertreter und Filialen erweitern wird. Zusätzlich unterhält AMRES vier strategische Filial-Standorte: Long Beach, Riverside, Palmdale und Costa Mesa, Kalifornien. Das Unternehmen konnte auch Verbesserungen bei den anderen Tochtergesellschaften verzeichnen. Expidoc.com, eine hundertprozentige Tochtergesellschaft, hat Ditech.com als Kunden gewonnen und verzeichnet derzeit über 500 Kreditabschlüsse in allen 50 Staaten. BravoRealty, eine 69%ige Tochtergesellschaft, hat Joint-Venture-Filialen in vier Städten eröffnet. Zusätzlich operiert Titus Real Estate, LLC als Manager von Titus Reit, ein Immobilien-Investment-Trust.
Anza und seine Tochtergesellschaften beschäftigen derzeit über 360 Mitarbeiter in über 40 Staaten mit geplanten Expansionen in sechs weiteren Staaten. Es gibt beinahe 250 Büros landesweit und es werden täglich mehr.



















Geschichte der Anza Capital, Inc.

Gegründet 1988 tätigte das Unternehmen keine signifikanten Operationen bis zum Februar 2000. Mit neuem Management, neuer Direktion und neuen Zukunftsvisionen unternahm die Firma eine Reihe strategischer Aquisitionen. Im Februar 2000 aquirierte man Titus Real Estate LLC, gefolgt von Expidoc.com im März. Später im selben Jahr aquirierte Anza das bisher grösste Unternehmen, American Residential Funding. Zusätzlich zu diesen Aquisitionen hat das neue Management daran gearbeitet, die Servicepalette des Unternehmens durch internes Wachstum zu erweitern. BravoRealty, eine Immobilien-Brokerage-Firma, ist die neueste Errungenschaft des Unternehmens mit potentiellen neuen Aquisitionen, die derzeit analysiert werden.
Im Dezember 2001 beschlossen die Aktionäre von E-net Financial.com (früherer Name von Anza) auf ihrer Jahreshauptversammlung, den Unternehmensnamen in Anza Capital, Inc. zu ändern. Das Unternehmen, das ein weiteres rasantes Wachstum verzeichnen kann, inkl. Dem Wachstum um 380% im Jahr 2001 gegenüber 2000, fand, dass dieser Name besser zum Unternehmen passt. Mit dem neuen Namen und einem gesteigerten Engagement für ihre Ziele, freuen sich die Anza Capital, Inc. und ihre Tochtergesellschaften über ihr wachsendes Potential im neuen Millenium.


Erfolgsstrategien

Anza Capital, Inc. hat die folgenden Strategien auf seinem Weg zu mehr Leistung gewählt und glaubt, dass die kontinuierliche Verstärkung und Durchführung dieser wenigen, aber wertvollen Ideale die Anzahl der Aktionäre erhöhen wird:

1. Anza wird die führende Quelle und der führende Entwickler technologie-gestützter Finanzdienstleistungs-Geschäfte für die Immobilienindustrie sein;

2. Anza wird kontinuierlich nach neuen Aquisitionsmöglichkeiten Ausschau halten, um den Service weiter auszubauen;

3. Anza wird in die bestehenden Tochtergesellschaften investieren, um ein rasantes, profitables und gleich bleibendes Wachstum zu sichern; und

4. Anza wird nach hervorragendem Personal suchen, da man weiss, dass der Erfolg nicht ohne ein vielversprechendes und enthusiastisches Management und Personal erzielt werden kann.










Management

Anza Capital, Inc.
Vorsitzender und Präsident – Vincent Rinehart Tel.: (714) 866 – 2100
E-Mail: [e-mail]
Direktor – Scott Presta E-Mail: [e-mail]

American Residential Funding, Inc.
Vorsitzender und CEO – Vincent Rinehart Tel.: (714) 866 – 2100
E-Mail: [e-mail]
Präsident und Direktor – Jeff Hemm Tel.: (714) 866 – 2125
E-Mail: [e-mail]
CFO – Venerada Toledo Tel.: (714) 866 – 2121
E-Mail: [e-mail]

Expidoc.com
CEO – Vincent Rinehart Tel.: (714) 866 – 2100
E-Mail: [e-mail]
Präsident – Christina Lee Tel.: (714) 866 – 2118
E-Mail: [e-mail]
CFO – Tom White Tel.: (714) 866 – 2104
E-Mail: [e-mail]

BravoRealty.com
Präsident – David Villarreal Tel.: (714) 866 – 2115
E-Mail: [e-mail]
CFO – Tom White Tel.: (714) 866 – 2104
E-Mail: [e-mail]
CEO – Vincent Rinehart Tel.: (714) 866 – 2100
E-Mail: [e-mail]

Titus Real Estate, Inc.
CEO – Scott Presta E-Mail: [e-mail]

















Finanzinformationen

Anza’s Haupteinnahmequelle ist die grösste
Tochtergesellschaft, American Residential
Funding, mit Einlagen von BravoRealty und
Expidoc.com. American Residential übertrifft
weiterhin die Erwartungen und sowohl
BravoRealty.com, als auch Expidoc.com
haben ein dramatisches Wachstum erlebt.


(Einnahmequellen)




























































































Unternehmensüberblick

American Residential Funding, Inc., „AMRES“, wurde 1988 gegründet als Fusion von drei existierenden Darlehens- und Brokerage-Unternehmen, wovon eines seit den späten 70er Jahren bestand. Jedes Unternehmen konzentrierte sich auf einen anderen Sektor des Immobilien-Finanzierungs-Marktes, doch alle hatten das gleiche Ziel: Immobilienfinanzierungen für Hauskäufer, Hausbauer, Immobilienmakler und die Finanzservice-Community anzubieten.
1999 rief Amres sein Netz-Filial-Programm ins Leben. Ihre Bemühungen wurden belohnt, da man erfolgreich Beziehungen zu Darlehensgebern landesweit aufgebaut hatte. Zusätzlich zu vier Geschäftsführern gibt es zehn Buchhaltungsangestellte in Vollzeit, zehn Angestellte für die Filialunterstützung, und elf weitere im Filialmarketing. Amres unterhält vier Filialen in Costa Mesa, Long Beach, Riverside und Palmdale, Kalifornien. Da Amres über 250 Netzfilialen in über 40 Staaten unterhält, haben sie gezeigt, dass die Dienstleistungen, die sie anbieten; Buchhaltung, Bearbeitung, Lizenzierung und Kreditgeberzugang (siehe www.amres.net); den Kreditgebern die Tools geben, die sie zur Unterstützung und zum Ausbau ihrer Geschäfte benötigen.
Amres ist eine Komplett-Service-Hypothekenbank / Broker, ist HUD-genehmigt, und bietet Coventional-, FHA-, VA-, Second TD-, Sub-Prime- und Portfolio-Finanzierungen für Hauskäufer an. Amres bietet durch seine Sub-Prime-Abteilung und durch die Second-Trust-Deed-Abteilung auch LOW und NO FICO an, 100%-Finanzierungen und zahlreiche andere Darlehensprogramme an. Das Amres-Personal ist berechtigt, alle Kreditformen zu bearbeiten.
Während des ersten Jahres der Unternehmensoperationen betrugen die Kreditfinanzierungen weniger als 120$ Mio.. Heute verzeichnet Amres über 80$ Mio. pro Monat, mit schätzungsweise über 1,5$ Milliarden für das Jahr 2002.


















AMRES Einnahmen-Chart

(Hypothekenproduktion 2001)





(Einnahmen 2001)









Unternehmensüberblick

Am 17. März 2000 aquirierte Anza alle Stammaktien der Expidoc.com, Inc., eines kalifornischen Unternehmens („ExpiDoc“). Expidoc ist ein Internet-basierender, landesweiter Notarservice in derzeit 50 Staaten und hat mehr als 6.500 Notare unter Vertrag. Durch eine Kombination aus gut ausgebildetem und erfahrenem Personal und einer führenden und patentierten Technologie arbeitet Expidoc mit einem Web-Interface namens Genesis 2000 (G2000 Epass TM Network – Electronic Process Submission System), das den Brokern landesweit den Zugang zum Dokumenten-Beglaubigungs-Service gewährt.
Expidoc bietet den Kunden durch Genesis 2000 den Vorteil, ein automatisiertes System zur effizienten Beglaubigung und zum Abschluss von Kreditdokumenten zu nutzen. Mit einem Built-In-Interface, der Original-Software, die die Bestellung und Weiterleitung der Dokumente ermöglicht, führt Expidoc die Dokumenten-Beglaubigungs-Industrie ins 21. Jahrhundert.
Expidoc ist darauf spezialisiert, dem Hypothekenmakler eine Lösung für den letzten und kritischsten Schritt beim Kreditprozess anzubieten: Wenn Hausbesitzer eine Refinanzierung durchführen oder Eigentum kaufen, bietet Expidoc.com eine schnelle und zuverlässige notarielle Beglaubigung der Kreditdokumente an. Durch die Immobilien-Software bietet Expidoc.com die Nutzung seiner Website an, um eine Anfrage an einen Notar weiterzuleiten.

Einnahmen-Chart

(Einnahmen Geschäftsjahr 2002)






Unternehmensüberblick

BRAVO REAL ESTATE NETWORK, INC. (“BRAVO”), gegründet im Januar 2001, gehört zu 70% Anza und ist ein Internet-basierendes Immobilien-Makler-Unternehmen mit hochtechnisierten Tools, um Immobilientransaktionen in die Wege zu leiten und zu vervollständigen; es unterstützt das Marketing, inkl. Individueller Vertreter-Websites, Abrechnungsstellen, und das alles online. Das innovative Geschäftsmodell bietet eine flexible und finanziell lohnende Alternative zu den traditionellen Formen der Beziehung zu Immobilienmaklern. Bravo’s Kunden sind Immobilienmakler, die gern ein Teil des nächsten Schrittes in der Evolution der Internet-basierenden Immobilientransaktionen wären. Ziel ist es, die Nützlichkeit, Annehmlichkeit, Sicherheit und die Möglichkeiten einer Web-basierenden Makler-Unterstützung für Immobilienmakler darzulegen, wobei es ihnen ermöglicht wird, 100% ihrer erarbeiteten Kommissionen zu behalten und nur geringe Gebühren an BravoRealty zu zahlen.
David Villearreal, Präsident, und Vincent Rinehart, CEO, haben umfassende Immobilien- und Geschäftskenntnisse, was die Entwicklung von Bravo vor über einem Jahr in Gang setzte. Ihr Ziel war es, eine Web-basierende Brokerage-Einheit zu schaffen, die es Vertretern erlaubt, die Immobilientransaktionen online durchzuführen – von der Dokumentation der Immobilienverkäufe oder der Repräsentation der Käufer, bis zur Eigentumsurkunde, einem Treuhändervertrag und dem Abschluss des Dienstleistungsprozesses. Um ihre Vision durchzusetzen, verpflichteten Villearreal und Rinehart Technologie-Experten, die die BRAVO REAL ESTATE NETWORK-Website unter ihrer Anleitung entworfen, aufgebaut und verbessert haben.
Die Website wurde speziell für Immobilienmakler-Profis entworfen. Bravo fungiert als traditioneller Makler, wobei sie die volle Verantwortung übernehmen, ihre Klienten zu schützen und ihre Vertreter zu überwachen. Zum Beispiel müssen sich die Vertreter registrieren lassen, wenn sie die Website nutzen möchten. Danach erstellt Bravo einen Verlaufsbericht über jede Online-Aktion, die ein Vertreter während einer Transaktion ausführt, und archiviert alle Informationen in der Datenbank des Unternehmens. Das rationalisiert nicht nur den Transaktionsprozess, sondern bietet sowohl Vertretern wie auch Kunden die Genauigkeit und Sicherheit, die diese verlangen.
Die Website ist einfach zu navigieren und benutzerfreundlich, sogar für Vertreter mit minimaler Internet-Erfahrung. Zum Beispiel hat Bravo einen „Auto-Bestands-Prozess“ eingesetzt für alle Dokumente, der es den Vertretern ermöglicht, alle notwendigen Informationen in einem einzigen Formular einzugeben und simultan Daten einzugeben für spätere Seiten und Formulare. Das spart nicht nur eine Menge Zeit, sondern sichert auch die Vollständigkeit der eingegebenen Daten. Ausserdem bietet Bravo höchste Sicherheitslevel bei seinen Transaktionen an durch die Nutzung eines State-of-the-Art-Verschlüsselungsprogramm.



Die Vertreter von Bravo werden Internetzugang auf alle benötigten Tools haben, um ihre Verkäufe einzuleiten, Transaktionen durchzuführen und abzuschliessen, und das alles zu nominalen und fixen Kosten, die an Bravo Real Estate Network gezahlt werden, wobei das Unternehmen als Berichtsbroker fungiert. Zusätzlich ist Bravo strategische Allianzen mit Schlüsselunternehmen eingegangen, wie Bridgespan Title, die die erwartete National Title Coordination anbieten werden; NLCS Escrow Services für Treuhänder- und Abschluss-Dienstleistungen; und Firstline Relocation Services, Inc., die Inbound- und Outbound-Beratung anbieten, Weitergabe und Lagerung, sowie entsprechende Immobilien-Dienstleistungen landesweit.
BRAVO REAL ESTATE NETWORK arbeitet mit anderen Immobilien-Service-Anbietern zusammen, wie E-Home-Tours, Bridgespan Property Search, Expidoc.com, Firstline Relocation Services, Inc. und American Residential Funding, Inc., Yahoo – ANZA Financial.com Reports on Bridge Loan Financing, Expidoc.com und Bravo Real Estate.
David Villarreal, Präsident, sagte, “Unser zweiter Standort in Santa Ana komplettiert unser Filialnetz in Städten wie Long Beach, Tustin, Palmdale und Downey, Kalifornien, und wird unsere Eigenheim-Brokerage-Expansion vorantreiben durch diese zusätzlichen ‘Klick-und-Hypothek’-Standorte.“
Ausserdem untersucht Bravo Real Estate Network die Möglichkeiten der Franchise dieses Konzeptes. Villarreal sagte, „Das Konzept einer Community Senstive Franchise auf den diversen kulturellen Märkten werden von anderen internationalen Immobilienprogrammen ignoriert und wird von uns als realisierbarer Fokus für unsere Expansions-Bemühungen angesehen.“
Bravo Real Estate Network freut sich, sich den technischen Beitrag des früheren Century 21- Geschäftsführers William Kroske, Ph.D gesichert zu haben, der als Präsident für die Region Los Angeles arbeitet und 120 Verkaufsbüros aufbaute und mehr als 2.500 Verkaufs-Teilhaber; und Robert Ball, der früher der Franchise-Development-Manager bei Century 21 war. Beide waren stark am rapiden Wachstum von Century 21 in den 70ern und 80ern beteiligt und haben Bravo Real Estate Network bei den strategischen Entwicklungs- und Expansionsplänen unterstützt. Villarreal sagte, „Das Zustandekommen unserer Technologie-Vereinbarungen mit Bridgespan, Title und NLCS Escrow, sowie die Vervollständigung der technischen Expertise dieser Industrie-Experten, bietet Bravo Real Estate die Möglichkeit, weiterhin ein dynamisches Wachstum zu erzielen.“



















Bravo Realty Einnahmen-Chart

(Einnahmen Geschäftsjahr 2002)

































Real Estate Inc.

Unternehmensüberblick

Titus Real Estate ist das Managementunternehmen für die Titus Capital Corporation R.E.I.T. Vincent Rinehart und Scott Presta entwickelten TITUS von Beginn an. Das Titus Real Estate Management beschäftigt sehr erfahrene Immobilienberater, die anerkannt sind für ihre Kenntnisse des Southern California Immobilienmarktes und für ihre Erfahrungen im Eigentumsmanagement. Das Titus-Berater-Team hat mehr als 300$ Mio. in Transaktionen von südkalifornischen Apartment-Komplexen abgeschlossen und hat mehr als 15 Jahre Erfahrung im Eigentumsmanagement.
Als qualifizierter R.E.I.T., ist der Trust nicht verpflichtet, föderale Einkommenssteuern zu zahlen und muss letztlich 95% des Nettoeinkommens an die Aktionäre zahlen in Form von Dividenden. Zum Zeitpunkt der Ausgabe dieses Druckstückes wurden Eigentümer verkauft und die Erträge an Langzeit-Investoren weitergeleitet.
Anza Capital beabsichtigt, neue Eigentümer zu erwerben, um sie Titus R.E.I.T. hinzuzufügen. Während es keine Garantie gibt, dass eine solche Transaktion geschlossen wird, diskutiert Anza derzeit über das Potential, sich an einer neuen Finanzierung für Titus R.E.I.T. zu beteiligen.

Einnahmen-Chart

(Einnahmen Geschäftsjahr 2002)

[2002buyer]

Anza Capital Inc. Continues Record Growth; Revises Upward February Loan Production
via COMTEX

April 19, 2002

COSTA MESA, Calif., Apr 19, 2002 (BUSINESS WIRE) --

Vincent Rinehart, president &CEO of Anza Capital Inc. `Anza Capital`, (OTC BB:ANZA) (Frankfurt Exchange:ANZA.F); (Berlin Exchange:ANZA.BE) announced that Anza Capital continued their rapid growth in February and March.

Rinehart said: `American Residential Funding Inc. (AMRES), a wholly owned subsidiary, had recorded record loan production for March of over $90,000,000. This is a 197% increase over March 2001 production. In addition, February 2002 loan volume has been restated upward to $81,400,000, from the previously announced estimate of $65,000,000. The total number of loans closed exceeded 500 for March, also a record for the firm.`

`On track to exceed over $1 billion in loan production in 2002, AMRES has closed over $250,000,000 in loans for the period January-March. With Anza`s fiscal year ending this month, with continued loan demand and expected additional new branches being added in April, the stage is set for a strong start of the new fiscal year beginning May 1. We are very pleased with our performance this quarter,`said Rinehart.

`AMRES continues to open new Branches at a rapid pace, with well over 500 agents, and licensing in 40 states,`stated Jeff Hemm, President of AMRES.

Rinehart also announced: `Due to the increase in staff and operations, Mr. David Villarreal has joined the AMRES family as COO and Managing Director. Mr. Villarreal is currently the president of BravoRealty, an Anza subsidiary, and brings the operational and management skills to continue AMRES`s dramatic growth.`

This news release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding future results of operations and market opportunities that are based on Anza Capital`s current expectations, assumptions, estimates and projections about the company and its industry. Investors are cautioned that actual results could differ materially from those anticipated by the forward-looking statements as a result of risks, competition and other factors. These factors, along with other potential risks and uncertainties are discussed in Anza Capital`s reports, as well as their subsidiaries, and other documents filed with the Securities and Exchange Commission, especially the amended Form 10-KSB filed March 5, 2002, and recent Quarterly reports, the most recent filed March 25, 2002. Anza Capital assumes no obligation to update the forward-looking information contained in this news release and encourages all potential investors to do their own due diligence and suitability analysis before any investment is made.

Anza Capital Inc., Costa Mesa Vincent Rinehart, 714/866-2100 [e-mail]

http://www.businesswire.com

Today`s News On The Net - Business Wire`s full file on the Internet with Hyperlinks to your home page.

Copyright (C) 2002 Business Wire. All rights reserved.

[xoma]

Steigende Umsätze und fallender Kurs, Umsatz heute bisher 193.000 und gestern 1.000.

[CrazyBroker]

Was nutzt der ganze Umsatzanstieg, wenn der nur durch neue Filialen erreicht wird?
So wie ich das verstehe wird doch jeder verdiente Dollar wieder verbraten, so nach dem Motto Expansion um jeden Preis.
Wäre es nicht wichtiger, die bestehenden Filialen erst einmal wirtschaftlicher zu machen und ggfls. Schulden zu tilgen?

Bye Hansi

PS.: Ich habe Anza zwar im Depot, schaue aber nur gelegentlich hier rein

[Viva-los-Tioz]

COSTA MESA, Kalifornien, 19. April 2002 (BUSINESS WIRE) – Vincent Rinehart, Präsident & CEO von Anza Capital, Inc. “Anza Capital”, (OTC BB: ANZA) (Frankfurter Börse: ANZA.F); (Berliner Börse: ANZA.BE) gab bekannt, dass Anza Capital ein weiteres rasantes Wachstum im Februar und März verzeichnet.

Rinehart sagte: “American Residential Funding, Inc. (AMRES), eine hundertprozentige Tochtergesellschaft, hat im März eine Rekord-Kreditproduktion von über $90.000.000 verzeichnet. Das ist ein 197%iger Anstieg gegenüber der Produktion im März 2001. Zusätzlich hat sich das Kreditvolumen im Februar 2002 auf $81.400.000 erhöht, gegenüber vorherigen Schätzungen von $65.000.000. Die Gesamtzahl der abgeschlossenen Kredite überstieg im März 500, ebenfalls ein Rekord für das Unternehmen.“

“Auf dem Weg, über eine Milliarde Dollar in Krediten im Jahr 2002 zu erreichen, hat AMRES über $250.000.000 in Krediten für die Periode Januar bis März abgeschlossen. Mit dem Geschäftsjahr von Anza, das in diesem Monat endet, mit weiterer Kreditnachfrage und erwarteten zusätzlichen neuen Filialen, die im April eröffnet wurden, ist der Weg für einen starken Start in das neue Geschäftsjahr, das am 1. Mai beginnt, geebnet. Wir sind sehr zufrieden mit unserer Leistung in diesem Quartal,“ sagte Rinehart.

“AMRES wird weiter neue Filialen mit schnellem Tempo eröffnen, mit weit über 500 Vertretern und Lizenzierungen in 40 Staaten,“ sagte Jeff Hemm, Präsident von AMRES.

Rinehart gab auch bekannt: „Entsprechend dem Anstieg beim Personal und den Operationen, hat sich Mr. David Villarreal der AMRES-Familie als COO und Managing Direktor angeschlossen. Mr. Villarreal ist derzeit Präsident von BravoRealty, einer Tochtergesellschaft von Anza, und bringt die operativen und Management-Fähigkeiten mit, die das weitere Wachstum von AMRES benötigt.“

[Viva-los-Tioz]

AMRES NEWS
(April 2002 Volume I Issue III)

Zitat des Monats: “Der beste Weg, die Zukunft vorherzusagen, ist, sie zu erschaffen!”- Unbekannt



Februar-Gewinner

Chairman’s Club:Tracy Fullman – Long Beach, CADan Herrera – Riverside, CA President’s Club:Sam Ellsworth – Costa Mesa, CAJoe Moore – Huntington Beach, CADavid Ludington – Irvine, CA
Executive Club:Rick Rothwell – Sedona, CAPenni Millard – Las Vegas, NVKathy Yarrell, Jau Piro and Yae Hong – Santa Ana, CAJosevie Jackson – Chandler, AZJohn Altshuler – Mt. Vernon, IAJames Caspary – Costa Mesa, CABill Varney & James Martin – Long Beach, CAHector Ontiveros – Commerce, CAJeff Bush – Temecula, CACaesar Ortiz – Norcross, GAJohn Hooper – Las Vegas, NV Filialen des Monats:Gabe Tulli – Las Vegas, NVTony DeSantis – Laguna Beach, CAShiela Hays – Sedona, CARick Rothwell – Sedona, CASonny Vogt – Temecula, CASylvia Lerma – Covina, CADon Hampton – Portland, ORSandy Lopez-Shantler – Virginia Beach, VAEmery Dora – North Hollywood, CAEric Maclaurin – Everett, WADean Ayres – Costa Mesa, CAClaudette Hayes – St. Louis, MOMichael Squire – Laguna Niguel, CA


President`s Desk

Die amerikanische Presse publizierte einen Artikel bezüglich des Justizdepartments und deren neuesten Major Legal Move. Sie gaben an, dass es gegen das Gesetz für Kreditgeber ist, Extragebühren für Kreditauskünfte, Schätzungen, Botengebühren und andere Zahlungen zu erheben, ohne die Ausführung zusätzlicher Dienstleistungen, die diese Gebühren begründen würden. Diejenigen, die das Gesetz brechen, müssen mit einer Strafe in Höhe von 10.000 USD rechnen, Schadenersatzurteilen und sogar mit einer Gefängnisstrafe. Bitte lesen Sie dazu die RESPA Police auf der Rückseite!

Jeff Hemm




AMRES NEWS
(April 2002 Volume I Issue III)

Zitat des Monats: “Der beste Weg, die Zukunft vorherzusagen, ist, sie zu erschaffen!”- Unbekannt



Selbstdarstellung

Das Wichtigste, wenn Sie ein Verkäufer sind, ist, wie Sie sich selbst präsentieren. Wie andere Sie wahrnehmen steht in direktem Zusammenhang dazu, wieviele Geschäfte Sie abschliessen. Als erstes machen Sie sich klar, wie andere Sie sehen sollen. Wenn Sie nicht wissen, wie andere Sie sehen sollen, nimmt man Sie in einer Weise wahr, die Ihrem Image schadet. Das betrifft die Kleidung, die Körperhaltung, die Sprache, die Präsentation von Hilfsmitteln wie Visitenkarten, Flyer und alles andere, dass eine Erfolgsbotschaft (oder Mangel an Erfolg!) rüberbringt. Als zweites sollten Sie sich daran erinnern, dass die Leute sich gern mit erfolgreichen Menschen umgeben. Deshalb müssen Sie auf gestellte Fragen so antworten, wie sehr erfolgreiche Menschen es tun. Hier sind einige Beispiele von Fragen, die man Ihnen stellen könnte. Wie Sie sie beantworten ist manchmal wichtiger, als das, was Sie sagen. Denken Sie über die Antworten nach, bevor Sie gefragt werden, um sicher zu stellen, dass Sie überzeugend wirken, wenn die Zeit reif ist.

1. Was tun Sie? Mit wem arbeiten Sie?
2. Wie lange sind Sie schon im Kreditgeschäft?
3. Wie viel Geschäft schreiben Sie?
4. Was ist Ihr bestes Produkt?
5. Mit wem schliessen Sie Geschäfte ab?

Anstatt einfach nur zu antworten: “Ich arbeite mit AMRES und bin seit fünf Jahren im Geschäft.” Erinnern Sie sich, dass es ausgeschmückt besser klingt. Versuchen Sie statt dessen: „Ich arbeite mit American Residential Funding, einem Eigenheimkreditbroker – und Banker. Das Unternehmen arbeitet in 43 Staaten und unsere Filiale hat sehr gute Mitarbeiter. Ich habe über 40 Mio. USD in Krediten umgesetzt während der letzten fünf Jahre, in denen ich in diesem Geschäft bin und mein Team viele Jahre mehr!“ Das klingt viel eindrucksvoller! Wenn Sie festgestellt haben, wer Sie sind und wie Sie sich selbst gegenüber potentiellen Klienten und Partnern darstellen müssen, können Sie gemeinsam einen Marketingplan ausarbeiten. Selbstdarstellung und Imageaufbau ist etwas, dass für alle Geschäftsprofis sehr wichtig ist, für Neulinge und für Erfahrene. Ihr Image wird sich über die Jahre ändern und nicht darüber nachzudenken, wie Sie auf andere wirken, könnte das fehlende Glied zum Erfolg sein, auf den Sie hin arbeiten.








AMRES NEWS
(April 2002 Volume I Issue III)

Zitat des Monats: “Der beste Weg, die Zukunft vorherzusagen, ist, sie zu erschaffen!”- Unbekannt


Last but not least...

Das ist eine Mahnung, dass alle SCHÄTZUNGS- und KREDITAUSKUNFTS- GEBÜHREN, die durch die Finanzierung / Treuhänderschaft gesammelt wurden, direkt an die Schätzer und Kreditbüros gezahlt werden, wenn nicht ein Nachweis über die eine Erstattung übermittelt wurde.

Erstattungsanforderungen:

1. Eine unterschriebene Verzichtserklärung und eine Rechnung, die durch den Schätzer gezahlt wird, oder
2. Eine Kopie von gelöschten / gezahlten Schecks.

Die Schecks von AMRES für die Schätzer und Kreditbüros werden an die Filialmanager geschickt. Diese können dann die Transaktion aufzeichnen und die Schecks an die entsprechenden Parteien weiterleiten. RESPA Regulations FIL-45-2000 (7.12.00) legt die tatsächlich gezahlten Gebühren fest an dritte Parteien, die Zahlungsdienstleistungen anbieten, diese müssen gesondert ausgewiesen sein für die tatsächlich berechnete Summe. (Jede Summe von den Schätzern / Kreditauskunftsrechnungen wird an den Kreditnehmer zurückgezahlt.).

AMRES und 1st PM Factors Bancorp haben sich zusammengeschlossen, um eine neue Möglichkeit anzubieten, zusätzliche Kommissionen zu erwirtschaften mit einem geringen Aufwand an Papier und für eine schnelle Bearbeitung. Das neue Produkt bietet Kreditformen für Geschäfte mit kreditwürdigen Kunden an. Entsprechend ihrer Website bietet PM Factors „nicht nur arbeitendes Kapital für die Ansprüche Ihres wachsenden Geschäftes, sondern bietet auch Profis ein Management, das es ihnen erlaubt, sich auf die Verkäufe zu konzentrieren, ohne sich über Tag-zu-Tag-Kredite und Einzugsermächtigungen Sorgen zu machen.“ Für weitere Informationen über dieses Programm und um Ihr persönliches Online-Factoring-Account zu erhalten, besuchen Sie bitte die AMRES Website oder kontaktieren Sie Tony Morgan, National Factoring Manager unter [phone] ext. 207 oder via e-mail unter: [e-mail] !


American Residential Funding, Inc.
3200 Bristol St. 7th floor
Costa Mesa, CA 92626



AMRES NEWS
(April 2002 Volume I Issue III)

Zitat des Monats: “Der beste Weg, die Zukunft vorherzusagen, ist, sie zu erschaffen!”- Unbekannt



Lernen Sie unsere Angestellten kennen

Jackie Clary

Jackie ist unser Compliance Manager. Sie überwacht nicht nur die Lizenzierung in über vierzig Staaten, sondern analysiert und interpretiert auch existierende, neue und geplante föderale und staatliche Regelungen und Verordnungen. Es ist Jackie`s Job sicherzustellen, dass AMRES nicht gegen Gesetze verstösst und auf Prüfungen vorbereitet ist. Sie bearbeitet und überwacht die Staate-für-Staat-Matrix. Zusätzlich zu diesen wichtigsten Jobs bearbeitet sie alle Filialanfragen bezüglich der Übereinstimmung mit dem Staat.

Katie Mueller

Katie ist unser Human Resources Coordinator und ist nun auch mit den Kreditgeber-Beziehungen beauftragt. Sie stellt Personal ein, Kreditvertreter und Kreditgeber. Für die Human Resources schickt sie neue Angestellten und Kreditvertretern Pakete und stellt sicher, dass die Rechnungsabteilung die Informationen akkurat erhält. Dann wird sie Informationen bezüglich medizinischer Leistungen versenden, während sie neuen Filialen beim Startprozess hilft. Für die Kreditgeberseite listet sie alle Filialen mit dem jeweils gewünschten Kreditgeber auf und vergleicht sie mit den Kreditgebern, die noch nicht auf der Kreditgeberliste sind. Danke Katie, dass Du ein so grossartiger Teil unseres Teams bist!



Für Sie geändert

Danke an Filialmanager Gregory Arvey von Etters.PA für Ihren Vorschlag. Wir sind stolz, Sie wissen lassen zu können, dass wir etwas unternommen haben! Wir haben jetzt eine komplette neue Website für unsere Netzfilialen aufgebaut, nicht, um neue Filialen anzulocken, sondern lieber um unseren existierenden Filialen Unterstützung zu geben. Die Seite heisst: www.amres.info und ist bereits online. Die Seite wurde für Sie entworfen, um Sie Ihren Kunden näherzubringen, damit diese mehr über unser Unternehmen erfahren können. Wenn Sie weitere Vorschläge oder ein Feedback über die Site haben, oder es vielleicht ein Feature gibt, dass noch nicht auf der Site eingearbeitet ist, nehmen Sie bitte Kontakt mit uns auf und wir werden gern tun was wir können. Bitte haben Sie weiterhin gute Ideen; wir sind auf diese angewiesen, damit AMRES ein besseres Unternehmen für uns alle wird.



AMRES NEWS
(April 2002 Volume I Issue III)

Zitat des Monats: “Der beste Weg, die Zukunft vorherzusagen, ist, sie zu erschaffen!”- Unbekannt



Willkommen an Bord

American Residential Funding würde gern die folgenden neuen Filialen in unserer AMRES Familie begrüssen:


Abul Musad – Montclair, CAAlex Foreman – Brentwood, TNAndre Jacobs – Baltimore, MDAnn Nelson – Venice, CAAnndrea Purestel – Bellevue, WAAshour Mirza – Ferndale, MIBeau Hossler – Costa Mesa, CACharles Atkinson – Blue Island, ILChris Hall – Denver, COChris Jefferson – College Park, GAChristian A. Franke – Kansas City, MOCurtis Waters – Waxhaw, NCDebra R. Napier – Durham, NCDennis Henderson – Spokane, WAEdward Griffin – Detroit, MIGregory P. Davis – Lathrup Village, MIJ. Keith Beall – Rolling Hills Estates, CAJohn Jackson – Riverside, CAJoseph Anderson & Neils Jorgenson – Provo, UTKathy Maxwell – Red Bay, ALKenneth Roberts – Torrence, CALance Stewart – Frederick, COLeshawn M. Hackley – Bowie, MD M. Joy Cabral – Orlando, FLMichael Plumhoff – Finksburg, MDMichael Poor – Elgin, OKMichael L. Ruiz – Littleton, COMirvat Kadouh – Garden City, MINancy Lowe-Carroway – Wasilla, AKNeal Abrahamson – Burleson, TXNorman Bour – Laguna Niguel, CAPam Shelton – Greensboro, NCPaul Mattoon – Carlsbad, CARichard Madlock – San Juan Capistrano, CARobert Morris – Salem, MARoyce Sharp – Birmingham, ALRuben Santillan – Bellflower, CASalomon J. Wupuy – Brea, CASerge Jeudy – Orlando, FLSteve Luray & Craig Arman – Baltimore, MDThom Carter – Pagosa Springs, COTimothy Crawford – Houston, TXTony Wheatley – Shelbyville, KYW. Ruth Abram – Arlington, TX


Corporate Directory:
President: Jeff HemmPhone: (714) 866 - 2125Email: [e-mail] CEO: Vincent RinehartPhone: (714) 866 - 2103Email: [e-mail]

Corporate Address:
3200 Bristol St. STE 700
Costa Mesa, California 92626
Phone: (714) 866 - 2100

[spekulativ]

ANZA.OB May 14 0.04 +0.005 +14.29% 1,090,900

[SeibMertinat]

Moin!
Hier noch die Orginal-Nachricht von gestern in Deutsch:

Anza Capital, Inc. durchbricht die 100.000.000 $ - Grenze im April

COSTA MESA, Kalifornien – (BUSINESS WIRE) – 14. Mai 2002 – Vincent Rinehart, Präsident & CEO von Anza Capital, Inc. “ANZACAP”, (OTCBB:ANZA) (FrankfurterBörse: ANZA.F; Berliner Börse: ANZA.BE) gab bekannt, dass die American Residential Funding, Inc. “AMRES”, eine hundertprozentige Tochtergesellschaft der ANZACAP, zum ersten Mal über 100.000.000 $ bei der monatlichen Kreditproduktion abgeschlossen hat.

Rinehart sagte: “Wir sind sehr stolz auf den Meilenstein, den AMRES aufgestellt hat. Nur wenige Kredit-Brokerage-Unternehmen haben dieses Monatsvolumen jemals erreicht, und dies bedeutet einen 121%igen Anstieg gegenüber April 2001 mit 45.100.000 $. Die 580 abgeschlossenen Kredite bedeuten auch einen neuen Rekord für AMRES.“

“Was uns bei diesem rasanten Wachstum geholfen hat, ist die Eröffnung neuer Filialen und Kreditvertreter,” sagte Jeff Hemm, Präsident von AMRES. „Wir werden weiterhin neue Filialen eröffnen, mit 35 Neueröffnungen im Monat April. Das beinhaltet sieben neue Filialen in Kalifornien, die eine andere grosse nationale Firma verlassen haben. Zusätzlich wurde im April eine Internet-geführte Filiale eröffnet, die über 50 Kredite pro Monat abschliesst und eine Bauspezialisten-Filiale in Las Vegas, die über 25 Kredite in Bearbeitung hat. Das alles legt einen guten Grundstein für das zukünftige Wachstum in den kommenden Monaten,“ fügte Hemm hinzu.

Rinehart sagte: “Wir erwarten, dass wir unsere abschliessende Bewerbung an FannieMae Ende Mai einreichen werden, mit einer voraussichtlichen Genehmigung Mitte Juli. Das wird AMRES eine zusätzliche Einnahmequelle verschaffen, und, wenn dies mit einer geschätzten Kreditproduktion von 1 Milliarde $ kombiniert wird, bietet dies AMRES einen starken Start für unser Geschäftsjahr, das am 1. Mai begonnen hat.“

“ANZACAP arbeitet an seinem 10-K für Ende April, welches voraussichtlich im Juli veröffentlicht wird,“ sagte Rinehart.

Diese Mitteilung enthält verschiedene vorausblickende Statements innerhalb der Bedeutung des Private Securities Litigation Reform Act von 1995 bezüglich der zukünftigen Ergebnisse von Operationen und Marktgelegenheiten, die auf den aktuellen Erwartungen von ANZA, Annahmen, geschätzten Kosten und Projektionen über das Unternehmen und seine Industrie basieren. Anleger seien gewarnt, dass die tatsächlichen Ergebnissen sich materiell aufgrund von Risiken, Wettbewerb und anderen Faktoren von denen unterscheiden könnten, die in den vorausblickenden Statements erwartet werden. Diese Faktoren, zusammen mit anderen potentiellen Risiken und Unsicherheiten wurden in den Berichten von ANZA diskutiert, ebenso in denen der Tochtergesellschaften und in anderen Dokumenten, die bei der SEC eingereicht wurden, speziell das 10-KSB, das am 5. März 2002 und das neueste vom 25. März 2002 eingereicht wurde und die neuen Quartalsberichte. ANZA übernimmt keine Verpflichtung, die in dieser Mitteilung enthaltenen vorausblickenden Statements zu aktualisieren und ermutigt alle potentiellen Investoren, ihre eigenen Nachforschungen und Analysen durchzuführen, bevor sie ihre Investition tätigen

Gruß SM

[spekulativ]

ANZA.OB 3:31pm 0.04 0.00 0.00% 181,000

[spekulativ]

Scheint nicht weiter runter zu wollen.

ANZA.OB 9:32am 0.04 +0.01 +33.33% 10,000

Gruß spekulativ

[CrazyBroker]

35 neue Filialen im April!

Ich will ja nichts sagen, aber habt Ihr mal nachgerechnet wie viele Leute und Mieten mit den Einnahmen bezahlt werden müßen?

Bye Hansi ...der Umsatz scheint nur mit neuen Filialen zu steigen

[spekulativ]

@CrazyBroker
Expansion kostet halt eine Menge,was aber nicht unbedingt verkehrt ist.

Gruß spekulativ

PS: Wichtig ist doch auch das die Gewinne zu nehmen.

[spekulativ]

Endkurs USA

ANZA.OB 2:21pm 0.035 -0.005 -12.50% 10,600

[CrazyBroker]

@spekulativ,

stimmt, aber ich kann doch nicht für jeden neuen Kunden einen neuen Laden aufmachen.

Ich möchte mal wisse wie die Umsatzentwicklung der einzelnen Fillialen aussieht. Stagniert der Umsatz oder hat jede einzelne Filiale für sich ein Umsatzwachstum?
Wieviele Filialen arbeiten profitabel?

Bye Hansi

[celtic69]

2:03:21 PM Trade 0.035 5000 OTC BB
2:03:20 PM Ask 0.04 5000 OTC BB
11:28:13 AM Trade 0.031 50000 OTC BB
11:28:12 AM Trade (at Bid) 0.03 50000 OTC BB
10:49:07 AM Trade (at Bid) 0.03 300 OTC BB
10:49:07 AM Trade 0.031 300 OTC BB

so. und nun ein Trade (at Ask) zu 0.04 und ich bin zufrieden

gruss
celtic

[SeibMertinat]

@CrazyBroker
Alles halb so wild!
Die Filialen arbeiten meines Wissen auf Provisionsbasis
und sind eher als Makler zu verstehen.
Die Fixkosten entstehen in der Firmenzentrale von Anza/Amres und sind,
soweit ich das sehe ab einem monatlichen Kreditvolumen von 80 Mio $ gedeckt.
Provision aus Kreditvolumen abzüglich Fixkosten abzüglich
Provision an die Makler ergibt dann den Gewinn.(Oder so ungefähr...

Gruß SM

[spekulativ]

Na wer sagst denn,geht doch.

ANZA.OB 2:21pm 0.04 +0.005 +14.29% 36,000

Gruß spekulativ

[fhr]

das ist richtig schön und gut zu wissen das wir wenn auch noch einen schlafenden renner im depot haben - gruß fhr

[2002buyer]

Anza Capital Inc. Closed $107 Million in April; Projects More Than $100 Million Again in May


June 7, 2002

COSTA MESA, Calif., Jun 7, 2002 (BUSINESS WIRE) --

Vincent Rinehart, president &CEO of Anza Capital Inc. (`AnzaCap`) (OTCBB:ANZA) (Frankfurt Exchange:ANZA.f) (Berlin Exchange:ANZA.BE), announced that AnzaCap closed their fiscal year, ending April 2002, with more than $107 million in closed loans for April.

Rinehart said: `American Residential Funding Inc., a wholly owned subsidiary, adjusted upward their monthly closings in April. In addition, AMRES completed another record quarter, with $285 million of loan production, to close out our fiscal year ending April. The annual audit will be completed on time and is anticipated in July.`

`May should also exceed $100 million and June has started strong, putting AMRES ahead of our goal of $1 billion in loan production this year. AMRES continues to add new branches, adding over 15 for the month of May. We are being more selective with new branches and eliminating many of the smaller producers,`said Rinehart.

`In addition, AMRES has formally submitted an application to FannieMae, with anticipated approval in August. This will provide additional sources of revenue for AMRES,`he stated.

This news release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding future results of operations and market opportunities that are based on Anza`s current expectations, assumptions, estimates and projections about the company and its industry. Investors are cautioned that actual results could differ materially from those anticipated by the forward-looking statements as a result of risks, competition and other factors. These factors, along with other potential risks and uncertainties are discussed in Anza`s reports, as well as their subsidiaries and other documents filed with the Securities and Exchange Commission, especially the amended 10-KSB filed March 5, 2002, and recent Quarterly reports, the most recent filed March 25, 2002. Anza assumes no obligation to update the forward-looking information contained in this news release and encourages all potential investors to do their own due diligence and suitability analysis before any investment is made.

Anza Capital Inc., Costa Mesa Vincent Rinehart, 714/866-2100 [e-mail]

http://www.businesswire.com

[aceman]

Deutsche Übersetzung

Anza Capital Inc. schloss im April 107 Millionen Dollar ab

Wieder mehr als 100 Mio. $ im Mai geplant

COSTA MESA, Kalifornien – (BUSINESS WIRE) – 7. Juni 2002 – Vincent Rinehart, Präsident und CEO der Anza Capital Inc. („Anzacap“ (OTCBB:ANZA – News; Frankfurter Börse: ANZA.f)(Berliner Börse: ANZA.BE), gab bekannt, dass AnzaCap sein Geschäftsjahr, das im April 2002 endet, mit mehr als 107 Mio. Dollar bei abgeschlossenen Krediten für den Monat April geschlossen hat.

Rinehart sagte: „American Residential Funding Inc., eine hunderprozentige Tochtergesellschaft, hat ihre monatlichen Abschlüsse im April nach oben reguliert. Zusätzlich vollendete AMRES ein neues Rekordquartal mit 285 Mio. Dollar bei der Kreditproduktion, zum Abschluß unseres Geschäftsjahr im April. Die Jahresbilanz wird pünktlich vervollständigt und wird für Juli erwartet.“

„Im Mai sollten es auch über 100 Mio. Dollar sein und der Juni hat einen sehr starken Start hingelegt, was AMRES unserem Ziel von 1 Milliarde Dollar in diesem Jahr bei der Kreditproduktion näher bringt. AMRES eröffnet weiterhin neue Filialen, 15 allein im Mai. Wir sind wählerischer mit neuen Filialen und schliessen viele der kleineren Produzenten,“ sagte Rinehart.

Zusätzlich hat AMRES eine offizielle Bewerbung bei FannieMae eingereicht mit einer erwarteten Genehmigung im August. Dies wird zusätzliche Einnahmequellen für AMRES eröffnen“ sagte er.

[spekulativ]

Chairman and President – Vincent Rinehart

Telefon: [phone]

E-mail: [e-mail]

[spekulativ]

ANZA.OB 3:48pm 0.035 +0.005 +16.67% 487,300

[spekulativ]

ANZA.OB 3:21pm 0.035 0.000 0.00% 55,500
Umsatz vom 03.07.02

[spekulativ]

@lutzeggi
bald geht es hier so richtig ab.

Gruß spekulativ

[MBpresent]

-----Original Message-----
From: xxxxx
Sent: Wednesday, July 10, 2002 1:29 AM
To: [e-mail]
Subject:


Dear Mr. Rinehart,

please tell me at wich date You will tell us the production numbers of mai 2002 and june 2002.

At wich date you will tell us the numbers of the 4. Quarter ended April 2002.

At wich date You will tell us the numbers of the fiscal Year ended April 2002.

Thanks
xxxxx

hier seine Antwort

May was $108,000,000. We need until 3 weeks after month close to collect all checks, so June will be available around July 20, and looks like a good month as well (even July remains strong). We are currently finishing our 10-K, and expect to file by the end of the month.

[aceman]

Wäre doch toll, wenn hier einmal wieder etwas eingetragen werden könnte...

[Future2005]

Mir wird auch wieder geantwortet! Die waren wohl ne Weile im Urlaub!

WE EXPECT TO PUBLISH THE 10-Q AT THE END OF NEXT WEEK

[spekulativ]

Über ANZA Capital, Inc.


Es ist das vorrangige Ziel der Anza Capital, Inc., die Anzahl der Aktionäre durch rapides Wachstum zu erhöhen, in dem man anstrebt, der führende Anbieter im Bereich der Technologie-, Finanz-, Marketing- und Managementindustrie zu sein.

Anza Capital, Inc. Ist durch seine Tochtergesellschaften ein unabhängiger Anbieter von Finanzdienstleistungen in der Immobilienbranche. Es werden die Lizenzierung, die Buchführung, ein Hauptkreditgeberzugang und Marketingunterstützung durch die Tochtergesellschaften angeboten. Die Haupteinnahmequelle ist American Residential Funding, Inc. „AMRES“, eine hundertprozentige Tochtergesellschaft, die Kreditgebern die Möglichkeit der Netzfilialen bietet. AMRES bietet diese Dienstleistungen in über 40 Staaten an. Das Unternehmen unterhält eine Website, www.amres.net, die detaillierte Informationen über AMRES enthält, sowie über die Netzfilialen mit den verschiedenen Dienstleistungen. AMRES wird in Kürze die Site www.amres.info einführen, die den Service für unsere Vertreter und Filialen erweitern wird. Zusätzlich unterhält AMRES vier strategische Filial-Standorte: Long Beach, Riverside, Palmdale und Costa Mesa, Kalifornien. Das Unternehmen konnte auch Verbesserungen bei den anderen Tochtergesellschaften verzeichnen. Expidoc.com, eine hundertprozentige Tochtergesellschaft, hat Ditech.com als Kunden gewonnen und verzeichnet derzeit über 500 Kreditabschlüsse in allen 50 Staaten. BravoRealty, eine 69%ige Tochtergesellschaft, hat Joint-Venture-Filialen in vier Städten eröffnet. Zusätzlich operiert Titus Real Estate, LLC als Manager von Titus Reit, ein Immobilien-Investment-Trust.

Anza Capital, Inc. und seine Tochtergesellschaften beschäftigen derzeit über 360 Mitarbeiter in über 40 Staaten mit geplanten Expansionen in sechs weiteren Staaten. Es gibt beinahe 250 Büros landesweit und es werden täglich mehr.

[spekulativ]

Wir sind in Bewegung!




Stellen Angebote

[spekulativ]

Willkommen im ANZA Capital, Inc. Unternehmens Karriere Center


Wir sind in Bewegung. Wenn Sie interessiert sind, unserem Team beizutreten, sind Sie hier am richtigen Platz.


Informieren Sie sich über unsere Einstellungsveranstaltungen, über Karrieremöglichkeiten, wie das Leben bei ANZA Capital, Inc. ist und schicken Sie uns Ihren Lebenslauf via e-Mail zu!


AMRES: Hypotheken-Grosshandelsvertreter


AMRES: Kreditbearbeiter


AMRES: Filialmanagement


BravoRealty.com: Nationaler Verkaufsdirektor


expidoc.com: Aussendienstverkäufer

[Viva-los-Tioz]

Anza Capital Inc. meldet das dritte profitable Quartal in Folge; Quartalsbericht für das erste Quartal Form 10-QSB eingereicht

COSTA MESA, Kalifornien – (BUSINESS WIRE) – 20. September 2002 – Vincent Rinehart, Präsident & CEO von Anza Capital Inc., (OTCBB:ANZA) (Frankfurter Börse: ANZA.f); (Berliner Börse: ANZA.BE) gab heute nach Ausgabe des Finanzberichtes für das Quartal bis 31. Juli 2002 bekannt, dass das Unternehmen im dritten Quartal in Folge profitabel gearbeitet hat und dass die Nettogewinne während jedes aufeinanderfolgenden Quartals gestiegen sind.

Der Finanzbericht wurde als Teil des Quartalsberichtes 10-QSB eingereicht.

Für das Quartal bis 31. Juli 2002, welches das erste Quartal des Geschäftsjahres bis 30. April 2003 ist, verzeichnet Anza Bruttoeinkünfte in Höhe von 11.319.346 $ (ungeprüft) und einen Nettogewinn von 228.850 $ (ungeprüft). Dies bedeutet einen Anstieg bei den Bruttoeinkünften von 2.747.539 $ gegenüber den Bruttoeinkünften von 8.571.807 $ (ungeprüft) für das vorherige Quartal, sowie einen Anstieg bei den Nettogewinnen von 99.584 $ (ungeprüft) gegenüber dem Nettogewinn von 129.266 $ (ungeprüft) für das vorherige Quartal.

[aceman]

@ All

Was haltet ihr denn davon?

Anza Capital Inc. and HomeLife Inc. Announce Reorganization Agreement

COSTA MESA, Calif.--(BUSINESS WIRE)--Oct. 7, 2002--Vincent Rinehart, president & CEO of Anza Capital Inc., (OTCBB:ANZA) (Frankfurt Exchange: ANZA.f)(Berlin Exchange: ANZA.BE) and Andrew Cimerman, president & CEO of HomeLife Inc. (OTCBB:HMLF), today jointly announced the execution of a Reorganization Agreement.

The Reorganization Agreement requires the approval of each of the company`s common and preferred shareholders. The companies intend to file a joint Proxy Statement shortly with the Securities Exchange Commission. Anza`s current management team will assume the management responsibilities of the surviving company, which shall be named AMRES Capital Inc., and will consist of Anza`s current assets and subsidiaries and HomeLife`s Red Carpet Real Estate trademark and operations.

HomeLife and its wholly owned subsidiaries franchise and operate more than 100 hundred Red Carpet, HomeLife and National real estate brokerage offices. Anza Capital`s primary subsidiary is American Residential Funding, a home loan brokerage firm.

This news release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding future results of operations and market opportunities that are based on Anza Capital and HomeLife`s current expectations, assumptions, estimates and projections about the company and their industry. Investors are cautioned that actual results could differ materially from those anticipated by the forward-looking statements as a result of risks, competition and other factors. These factors, along with other potential risks and uncertainties are discussed in Anza Capital and HomeLife`s reports, as well as their subsidiaries, and other documents filed with the Securities and Exchange Commission, including recent Quarterly and annual reports. Anza Capital and HomeLife assume no obligation to update the forward-looking information contained in this news release and encourages all potential investors to do their own due diligence and suitability analysis before any investment is made.

CONTACT: Anza Capital Inc., Costa Mesa
Vincent Rinehart, 714/866-2100
[e-mail]
or
HomeLife Inc.
Andrew Cimerman, 714/418-1414
[e-mail]

Copyright 2002, Business Wire. All of the releases provided by Business Wire are protected by copyright and other applicable laws, treaties and conventions. Information contained in the releases is furnished by Business Wire`s members, who are solely responsible for their content, accuracy and originality. All reproduction, other than for an individual user`s reference, is prohibited without prior written permission.


Gruß aceman

[fhr]

Press Release Source: Anza Capital Inc.


Anza Capital Inc. Closed a Record $208,000,000 in Loans
Friday November 15, 3:01 am ET
Closes More Than $550,000,000 in 2nd Quarter


COSTA MESA, Calif.--(BUSINESS WIRE)--Nov. 15, 2002--Vincent Rinehart, president & CEO of Anza Capital Inc. "AnzaCap," (OTCBB:ANZA - News; Frankfurt Exchange:ANZA.f)(Berlin Exchange:ANZA.BE) announced that American Residential Funding Inc. (AMRES), a wholly owned subsidiary, arranged a record $208,000,000 in home loans for the month of October.
The fiscal 2nd quarter produced more than $555,000,000 in closed loans, raising the possibility that AMRES could exceed $2 billion in home loans for the full year ending April 2003.

Rinehart said: "The very low interest rates, combined with the rapid expansion of our branch network, has resulted in breaking through the loan volume and revenue targets set earlier this year. Business remains strong, with continued growth in the 39 states we are licensed to do home loans."

"In addition, Expidoc.com, an ANZA wholly owned subsidiary, is also setting record income marks. Their largest customer, a nationwide mortgage banking firm, is at a pace to order over 1,200 loan document signings for the month of November," stated Rinehart.

"ANZA is wrapping up the accounting for the 2nd quarter ending October, and expect to file their 10-Q prior to Dec. 15," he said.

[Viva-los-Tioz]

http://www.nasdaq.com/asp/quotes_news.asp?cpath=D%3A%5Cwww%5…

[Viva-los-Tioz]

Dear Mr. Rinehart,

since a long time I´m watching the stocks price in connection with your quartely reports. The first times I was very enthusiastic about how business was running. I understood, that it would take some time to make your results public until it would be honorated by the publicity!!! In former times in my oppinion there was a "strong buy" for the shares of your company. Everybody thought, your good work will be reflected in the near future in the stock´s price. But you know what happened. There is still no interest in your company and in the stock´s price. Since a longer time the doubts of the shareholders are getting stong and stronger!!!

Are your reports depending on the truth???

Nobody, I really sware, nobody here in Germany has ever seen something like that!!!

Reports in which one record is highered by the next are published and nobody takes notice!

You can´t make me believe that this depends on the worldwide rezession! Don´t try to do so!

Some time ago you promised your shareholders to improve the public relation work. Please, stay closed to your promise.

I expect you to answer me and give a short summary how business is running. Please tell me a solution how you would like to solve the stock´s problem. It shouldn´t be a problem, if you are telling the truth in your reports and if you trust in your published results.

Sorry, but I think, you have to try hard for receiving back the german shareholders trust and your acceptance.

I will publish this mail and your answer in very popular german stock board. If there should be no reaction, you can be assured that this is another step to lower the current stock-price.

Thank you for your soon answer.








Since you all emailed me the same or similar letters, I`ll respond to you
all briefly. The SEC has, as they almost always do, responded to our
submission of the proposed PROXY with several questions. We believe there
are reasonable comments, and would hope to have a response back to them in a
couple of weeks. We would try to have a shareholders meeting in late
February. The last press release referred to this.

The 10,000,000 share distribution was for: Settlement for the final terms of
the Bridge Loan with Laguna Partners (3M); Law firm for work on the Merger
with HomeLife (3M); payment of all options and owed compensation to AMRES
staff/mgmnt (4M0). I DID NOT RECEIVE ANY SHARES. This was an excellent use
of shares to set the stage for the Merger with HomeLife.
Also, I own well over 4,100,000 shares, and have never sold one share,
having seen my personal holdings drop in value from millions of dollars to
$100,000!

The real dilution issue is the roughly $2,300,000 in convertible preferreds
and $380,000+- in convertible note, plus 2.5M warrants. The intent is to
address these issues through the merger with HomeLife.

As for the stock price, I have said repeatedly (I have kept the emails) that
I can only say I too am frustrated, and will continue to work towards
building a business who`s value ultimately will be reflected in the stock
price. Pumping the price for short term rallies is not what I will do.

.