Harbourton Mortgage Investment Corp. Selects Cognos, Aviana Global For Advanced Loan Management Reporting and Analysis

National mortgage wholesale lender implements joint solution to improve visibility into key business performance drivers and ensure quality customer service

BURLINGTON, MA & BREA, CA, October 12, 2005 - Cognos (Nasdaq: COGN; TSX: CSN), the world leader in business intelligence and corporate performance management (CPM), and Aviana Global, a Southern California based business intelligence consulting company, today announced that Harbourton Mortgage Investment Corporation (HMIC) has selected a joint solution from Cognos and Aviana Global to enable stronger reporting and analytics within its new loan tracking system.

HMIC needed a business intelligence solution that would help staff analyze and report against reliable, timely loan management information across multiple regions, brokers, products and data feeds. After completing a detailed product review, HMIC decided to implement a joint solution combining Aviana Global’s Mortgage Banking Business Intelligence (MBBI) with Cognos ReportNet™, the market’s leading enterprise business reporting software.

Together, the solution provides HMIC with a solid platform for process measurement and detailed reporting. Aviana Global’s data model helps determine what information HMIC’s management team needs for fast, accurate, and responsive decision-making. For quick access to this information and easy reporting, the solution offers a range of customizable mortgage business reporting templates built off of Cognos ReportNet. Managers benefit from a single-source view of key business drivers, including pipeline volumes; interest fluctuations and its corresponding effects on profitability; loan processing efficiency; business performance by region and by broker; and overall customer satisfaction levels.

"The Aviana-Cognos solution introduces a new level of efficiency and simplicity to business reporting for the mortgage industry. Its flexibility and scalability are key features that report authors are demanding, in any format, on a global scale,” said Chet Hartley, director of information technology at HMIC. “With its intuitive user interface, our users will now be able to better interact with data in a way that helps them understand it quickly and easily."

"In order to generate reports that contain crucial information to a business' well-being, managers are often forced to work extensively with their IT departments, consuming time and opportunity," said Laurence Trigwell, senior director of financial services at Cognos. “The Aviana-Cognos solution provides access to these key business drivers through a single source with Cognos ReportNet, allowing management to drive their mortgage and lending decision-making in 'right time.'"

Aviana Global is a pioneering partner of "Powered by Cognos," an initiative designed to empower and showcase partners that develop, market, and sell solutions based on the Cognos Performance Management System capabilities. The company recently received a 2005 Cognos Global Partner Award honoring top resellers and top OEM partners for their roles in Cognos' ongoing channel sales success worldwide.

"The Aviana-Cognos partnership is an example of a mutually beneficial relationship from the start. Aviana’s commitment to Cognos ReportNet and its versatility was the driving factor in using it as the platform for our mortgage solution," said Ananta Mukerji, chief technology officer at Aviana Global.

Cognos is a recognized leader in delivering business intelligence and corporate performance management solutions for the financial services industry. Over 1,000 financial services institutions worldwide use Cognos, including nine of the top 10 banks in Europe and the United States. In addition to HMIC, other mortgage services customers include PMI Mortgage Corporation, EquiFirst Corporation, and Quicken Loans. For more information about Cognos solutions for the banking and financial services industry, please visit

http://www.cognos.com/solutions/industry/banking-financial-services/insurance.html

Harbourton Mortgage Investment Corporation (HMIC) is a mortgage banking company that specializes in non-agency residential lending. Headquartered in Santa Rosa, CA , HMIC is a wholly owned subsidiary of Harbourton Capital Group (HCG), headquartered in McLean, Virginia, whose primary business lines are mortgage banking, through HMIC, and investment in residential building and development, through Harbourton Financial Corporation (HFC). HMIC is active in over 30 states and will fund approximately $1billion in 2005. For more information, visit the HMIC web site at http://www.hmic.com/.

Aviana Global Technologies (AGT) is a Southern California based business intelligence consulting company. Aviana has enjoyed continued success since its inception in 1994 and has built business intelligence solutions for a large number of clients which have made them more effective in their decision making process by providing them with accurate, relevant and timely data. Aviana’s list of clients includes many Fortune 1000 companies and some of the largest government agencies in the USA. For more information, visit the Aviana Global Web site at http://www.avianaglobal.com/

Cognos, the world leader in business intelligence and corporate performance management, delivers software and services that help companies drive, monitor and understand corporate performance.

Cognos delivers the next level of competitive advantage - Corporate Performance Management (CPM) - achieved through the strategic application of BI on an enterprise scale. Our integrated CPM solution helps customers drive performance through planning; monitor performance through scorecarding; and understand performance through business intelligence.

Cognos serves more than 23,000 customers in over 135 countries. Cognos enterprise business intelligence and performance management solutions and services are also available from more than 3,000 worldwide partners and resellers. For more information, visit the Cognos Web site at http://www.cognos.com/.