<><><><><><><><><><><><><><><><><><><><><><><><><> NOVEMBER 12, 2001 - THE WALLSTREET UNIVERSE REPORT <><><><><><><><><><><><><><><><><><><><><><><><><> Dear Investors, We would like to introduce you to EMB Corp. (EMBI - OTC:BB), a financial services holding company which provides a network to mortgage brokers, both retail and wholesale through its wholly owned mortgage companies. As interest rates continue to decline the demand for mortgages and re-financings has skyrocketed. EMB Corp. is projecting $600 million of new business, revenues of approximately $8,000,000 and net profit of $800,000. This comes out to $0.04 cents per share earnings based on approximately 20,000,000 shares issued and outstanding and fully diluted at that time. These projections do not include any future acquisitions the company is looking to pursue. Please read the full profile and disclaimer below. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ABOUT EMB Corp. (EMBI - OTC:BB) ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ EMB Corp. is a financial services holding company, which provides a network to mortgage brokers, both retail and wholesale through its wholly owned mortgage companies, currently including American National Mortgage, and First Guaranty Financial Corp. Mortgages originated by its group of companies may be held temporarily for investment, or may be sold to third parties/financial institutions, or may be secured, packaged, and sold as mortgage backed securities. It is also the EMB Corp's intention to provide financing and/or purchase other business that are or can be profitable that may not be related to the mortgage or real estate business, but will enhance shareholder equity. <><><><><><><><><><><><><><><><><><><><><> - Shares Outstanding: 16,000,000 - Float (Est): 3,600,000 - 52 week High: $0.50 - 52 week Low: $0.001 - Friday's Closing Price: $0.28 - Website: http://www.embcorporation.com - Contact Info: EMB@EMBCorp.net <><><><><><><><><><><><><><><><><><><><><> ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ MARKETING AND SALES ACTIVITIES ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ + Through its well-organized plan for marketing and sales activities the Company has the opportunity to become a key player in the mortgage real estate lending industry. Specific sales and marketing activity include: + Solidifying the Company's mortgage business through geographic market expansions. Initial focus includes growing and expanding targeted markets (mortgage brokers, real estate brokers and credit unions) in already established geographic areas of the state of California and subsequently the nation. + To solidify newly initiated commercial mortgage business. + To subsequently begin operations on the Company's title insurance business for closings related to mortgage products. + To acquire additional mortgage-related companies that will improve and enhance the Company's revenues over the long range. + To also acquire additional ancillary financial services companies that can improve and enhance the Company's revenues. + To invest in other financial services companies that will enhance the shareholder equity of the company. <><><><><><><><><> AD <><><><><><><><><><> StreetInsider.com - Get Inside Wall Street! Access real-time, market moving news and rumors for only $29.99 per month. Similar services can cost you hundreds per month. 2 week free trial is available. http://www.streetinsider.com <><><><><><><><><><><><><><><><><><><><><> ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ MARKET ANALYSIS & SUMMARY ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ In a recent Louis Rukeysers Wall $treet Week news article, he writes about three pivotal industries that lie squarely in the path of tens of millions of increasingly affluent customers. The next wave of leading industries and players will be healthcare, financial-services, and technology stocks... companies emerging as the new Pfizers, Merrill Lynches, and Microsofts of the world. He went on to say: Financial services have come a long way since the days of the haughty loan officer, arrogant stockbrokers and dour bankers in pinstriped suits. Years of economic growth, and unprecedented bull market and democratization of all aspects of finance have reversed Wall Streets traditional balance of power. For the first time in history, banks, insurance companies and brokerages are merging into one-stop financial shops. It is the intent of the management team of EMB to capitalize on the present market conditions surrounding financial-services, using new technology, and with these changes hopefully the company could show increased revenues and profits for the benefit of the shareholders, which is priority number one for the new management of EMB Corp..
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