eChoice Limited, formerly Firstfolio Limited, is an Australia-based company, which is engaged in retailing, wholesaling, management and aggregation of mortgages in the home loan financing segment, and mortgage origination and securitization of mortgages. The Company is also engaged in digital based generation and distribution in the home loan financing segment for itself and third parties. The Company has two operating segments: Manufacturing and Distribution. The Company's Manufacturing segment covers the operations of Firstfolio Capital Pty Ltd, which consists of mortgage origination and the securitization of mortgages through a bank funded warehouse. The Company's Distribution segment consists of all parts of the business relating to the sale of mortgages, which include mortgages distributed in the aggregation, broking and wholesale arenas and also includes the distribution of ancillary products.