FORM 10-KSB

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D. C. 20549

         [x]      ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                  SECURITIES EXCHANGE ACT OF 1934

                  FOR THE FISCAL YEAR ENDED SEPTEMBER 30, 2001, OR

         [ ]      ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE
                  SECURITIES EXCHANGE ACT OF 1934

                  For the transition period from _____ to _____.

Commission file number: (333-42640)

                               Endo Networks, Inc.
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

                         Discount Mortgage Source, Inc.
--------------------------------------------------------------------------------
            (Former name of registrant if changed since last report)

            Nevada                                          75-2882833
---------------------------------                          ------------
(State of Incorporation)                                   (Tax ID No.)

        2624 Dunwin Drive, Unite #3, Mississauga, Ontario, Canada L5L 3T5
--------------------------------------------------------------------------------
               (Address of principal executive offices)(ZIP code)

Registrant's telephone number, including area code: 416-823-0220
                                                    ------------
Securities registered pursuant to Section 12(b) of the Act:  NONE
Securities registered pursuant to Section 12(g) of the Act:  Common Stock

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Act of 1934 during the past
12 months and (2) has been  subject to such filing  requirement  for the past 90
days.
                               X    YES                        NO
                           ---------                 ---------

Aggregate  market  value  of the  voting  stock  held by  non-affiliates  of the
registrant as of December 31, 2001:
                                                    $ 1,789,475

Shares of common stock outstanding at December 31, 2001:  12,070,966


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PART I.

ITEM 1         DESCRIPTION OF BUSINESS

OVERVIEW

Endo Networks Inc. builds interactive public networks.

The component  parts  generally  deployed  within a public  location  include an
in-house TV service (with several  strategically placed TVs), a background audio
service,  and  various  touchscreen  interactive  devices  (kiosks,  tablet PCs,
wireless handhelds, etc.).

The corporate head office is located at 2624 Dunwin Drive,  Unit 3, Mississauga,
Ontario, Canada, 20 minutes from Toronto and 60 minutes from Buffalo.

We  currently  carry on business  under two primary  brands:  Endo  Networks and
Streamline Media. The Endo Networks (www.endonetworks.com) brand encompasses all
network related business. The Streamline Media  (www.streamlinemedia.com)  brand
encompasses  traditional  Internet and  interactive  design/production  work not
related to the network  business.  The  Streamline  Media  business  provides an
important  source of revenue and  continually  exposes our design and production
team to new ideas and  technologies,  which in turn  benefit  our Endo  Networks
business as they utilize the same competencies.

Endo  Networks  was  incorporated  in  Ontario,  Canada  in  January  30,  2001.
Conceptual  and  software  development  was  ongoing  prior  to  this  date  for
approximately two years by company founders, through contract relationships with
software  development  companies.  Endo Networks  Inc.  (Canada) was acquired by
Discount  Mortgage Services Inc. (Texas) in September,  2001.  Discount Mortgage
Services Inc.  (Texas)  underwent a name change to Endo  Networks,  Inc. (US) in
November,  2001. Endo Networks, Inc. (US) was redomiciled to Nevada in December,
2002.

As of January 2002 Endo Networks had 20 total employees, 14 full-time.

PRODUCTS/SERVICES/MARKETS

Deployment Locations

Endo Networks deployments are located in high-traffic public areas including:
         Events (i.e. consumer and trade shows)
         Retail stores
         Restaurants
         Government community centers

Endo Networks deployments are able to utilize any available form of connectivity
for remote management and content delivery.


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<PAGE>



Applications

Endo Networks  deployments  are used to deliver a combination of third party and
proprietary applications in the following categories:

     Entertainment
     Background music, In-house TV and Radio, trivia, games...
     Advertising and promotion
     Exterior brading, Radio-style commercials, TV commercials, Instant coupons,
     Interactive promotions, Contests, 1 to 1 relationship marketing (CRM)...
     Information and training
     Nutrition guides, Directories, Store locators, Interactive staff training..
     Loyalty and rewards
     Points, Rewards, 1 to 1 relationship marketing (CRM)...
     Internet and eCommerce
     Web link, eMail, Surf, Shop, connect to back end systems...
     Any application and/or service

These applications  target both consumers and employees.  The combination of TV,
audio and interactive creates a uniquely effective and measurable  communication
medium.

Deployment Categories

Network deployments fall into one of two additional categories:  Paid or Placed.

Paid Deployments

In a Paid deployment,  we receive full payment with margin for every product and
service we provide, either on a recurring monthly basis (i.e. lease or rent), or
one-time (i.e. purchase). We generally also receive a commission if we bring any
cost-recovery to the deployment, i.e. an outside brand that pays to utilize some
of the network  capacity in synergy with the primary client.  Retail,  Event and
Government   deployments  are  all  generally  Paid   deployments.   While  Paid
deployments  offer the stability of one payment partner,  they offer less margin
for Endo Networks long term, and require potentially lengthy approval, pilot and
expansion stages.

Placed Deployments

In a  Placed  deployment,  Endo  Networks  is  responsible  for the  cost of the
deployment,   and  recovers  that  cost  with  margin  from  a  "coalition"   of
stakeholders sharing the network resource. Generally, the host location receives
the base  deployment  at no  charge  providing  a  certain  level of  deployment
performance.  Revenue is generated through recurring charges such as advertising
or application sales commission,  transactional charges such as lead generation,
instant  gift  certificate  or  jukebox,  and  one-time  charges  such as custom
development or software license.

Stakeholders include the host location, outside brands, and Endo Networks.

         The host  location  receives  a basic  package  of CRM and  promotional
         services  at no  charge,  but may also  subscribe  to  several  step-up
         services in the same categories.
         Outside brands may be:


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         *        brand  advertisers  utilizing our deployment to generate sales
                  leads or brand  awareness,  or actually  conduct  "e-commerce"
                  style transactions.
         *        3rd party  applications  which we re-sell into the location to
                  either the location or the guests within the location.
         *        Endo  Networks  utilizes  the  deployment  to promote  our own
                  brands,  to  reach  more  potential  host  locations  and more
                  outside brands,  and to drive use of the interactive  stations
                  for increased revenue.

Network Access

In the short term, consumer and staff access to applications is via freestanding
network  access  points such as kiosks,  while  management  is  provided  with a
wireless appliance for access to various application functionality.

In the medium  term,  additional  network  access  points will be  deployed  for
consumer  and  staff  access,  i.e.  in  booths  at  restaurants,  or  dedicated
employee-access stations.

In the long  term,  we will  provide  network  access  via  wireless  local area
networking technology to the user's own device.

COMPETITORS

Endo Networks is a true convergence business - our business opportunity has been
created by (and is driven by) the  continued  convergence  of  applications  and
technology onto a PC platform, enabling us to provide value to an almost endless
number of applications  through effective sharing of the network resource.  This
also  creates  a  substantial  number  of  non-direct   competitors,   i.e.  the
non-aggregated  initiatives  currently providing a limited service in any of our
target categories.

In North America, there are no established initiatives in the interactive public
network space which pursue a strategy of  aggregation  and  integration  as does
Endo Networks.  There may be direct  competitors  operating on a regional basis,
but as of  January  2002 we have not  encountered  any direct  competition.  The
enormous  number of  potential  locations  means  there is ample room for direct
competition, which can assist in growing the market segment.

If we look for other  business  initiatives  that compete with us for space in a
host location, there are many. These initiatives are generally single or limited
function  network or  non-network  devices  that  compete  with part of the Endo
Networks  service  offering.  In some cases,  these  initiatives  may  represent
potential   application  partners  for  Endo  Networks  -  for  example,   these
applications  may  wish to exit  the  network  deploy/manage  segment  of  their
business,  and instead  negotiate  carriage with Endo Networks.  This allows the
application to focus more of their resources on improving their application, and
enhances our offering.

It is our strategy to pursue  opportunities for non-exclusive  partnerships with
initiatives which might currently be categorized as competitors.

A partial list of initiatives with which we compete or potentially partner is as
follows:

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<PAGE>


Audio services

This includes all forms of background audio used in a host location, i.e. Musac,
DMX, Radio, Jukebox, etc. The flexibility and functionality of our partner Music
Made Easy's  background  audio solution  greatly exceeds anything else currently
available  on  the  market.   Music  Made  Easy   leverages  our  investment  in
infrastructure to benefit from a powerful server, touchscreen, TVs, wireless and
other  peripherals,  at a cost  less than  building  and  maintaining  their own
network.  No single purpose network can afford this level of network deployment,
and  therefore  they cannot offer this level of  functionality  on their current
business models.

Client Controlled Media (In-house TV)

An emerging market  opportunity lies with Client Controlled Media (a.k.a.  Place
Based Media). This technology leverages digital servers and network distribution
technology  to deliver a "private  label"  in-house TV service.  Endo  currently
offers a proprietary  In-house TV service which  leverages  our  deployment  for
greatly  enhanced  functionality.  Long  term,  it is our  desire  to  secure an
application  partner to grow this  offering.  Short term, as part of our overall
integrated offering our In-house TV service is very compelling.

Email Picture Postcard

Email picture postcards are a developing promotional marketing tool, and in some
cases  actually  generate  transactional  and  advertising  revenue.  There  are
actually  businesses  building and deploying  interactive  public  networks with
email picture postcards as the sole application. By aggregating this application
into our overall offering,  we greatly increase its  attractiveness,  as well as
the attractiveness of our overall solution.

Gift Cards

Many  retail   businesses  are  migrating  from  traditional   paper-based  gift
certificates  to gift  cards,  which  function  essentially  as a private  label
currency.  We are currently working with leading providers of this technology to
offer a "one card"  loyalty/gift/cashless  ATM solution to our  partners,  which
will be integrated into our entire offering, essentially giving us a new form of
currency.  This will also serve to reduce our cash collection costs. Once again,
the benefits of aggregating  this  application into our total solution provide a
substantial competitive advantage.

HR/Learning Management Systems

An  interactive  network  access point,  combined  with TV and audio,  affords a
unique opportunity for a retailer to measurably communicate with their own staff
as well as  customers.  From the  initial  job  application,  to  ongoing  daily
communications,  to employee growth, Endo Networks will shortly deliver a unique
solution for our location  partners.  We are working with several  partners with
leadership  positions  in these fields to jointly  deliver  this new  integrated
offering in 2002. As with all other  applications,  the  aggregation  provides a
competitive advantage.

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<PAGE>


Bank machines

The primary reason a retailer  offers a bank machine on their premise is because
a  substantial  percentage  of the  transactions  result in money  spent at that
retailer. The above mentioned Gift Card technology currently in development will
allow retailers a better alternative,  integrating this functionality with their
CRM  initiatives.  By  eliminating  the need to store large amounts of cash in a
bank machine on the location,  Endo Networks benefits from a substantially lower
cost of managing the service.

Future opportunities for partnership and new competition:

         POS (Cash Registers)
         Gaming
         Internet Access/eMail Stations
         Supply Chain Management
         Automation
         Telecommunication

As  direct  competitors  emerge,  it will be the  continual  improvement  of our
service offering and the continual strengthening of our network of relationships
that  will  entrench  us  with  our  existing  clients,  and  make  our  service
increasingly  more  attractive to new potential  clients.  This will require our
employees to be "out of the box" thinkers,  exceedingly synergy-minded.  It will
also require a continual investment in research and development. We are pursuing
several forms of legal and contractual hardware,  software,  process,  brand and
relationship protection to further strengthen our competitive position.

SUPPLIERS

Effective outsourcing is a key enabler of the rapid growth of Endo Networks.

We have selected  hardware  partners based on their ability to scale  production
and delivery of physical  network  components  to hundreds or even  thousands of
units monthly. We have selected  application  partners with careful attention to
their infrastructure  capabilities to ensure they are scalable. We are currently
evaluating regional,  national and international service networks based on their
ability to provide a reliable  service  level,  and  integrate  with our network
management  systems.  And we have  selected our network  management  systems and
software based on scalability and functionality.

FINANCING

Operations

Base  operating  costs of Endo  Networks are  currently  financed  from existing
revenues. Additional operating costs are currently financed through funds raised
through our initial private placement.  These two sources of financing should be
ample to continue  current  operations.  This rate of growth is acceptable given
the current  competitive  market  conditions.  No new  operational  financing is
anticipated at the current level of growth.

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Network Infrastructure

Endo Networks is currently securing venture leasing which should allow growth of
the network to 400 locations, over approximately 18 months. At some point during
this expansion,  we will negotiate terms on additional  financing.  We will also
have the ability to finance a certain level of growth out of our own resources.

CUSTOMERS

Deployments

Our focus has been on securing business in our four initial categories  (Retail,
Food Service,  Events and  Government)  in the Greater  Toronto Area of Ontario.
Projects are selected  based on their ability to expand  post-pilot - therefore,
focus has been on large chains and franchises, or on particular categories where
all the locations are similar (i.e.  Pubs),  with  particular  emphasis on those
with US  counterparts.  Often,  a customer will  participate  with us at several
different  levels,  i.e. as a host location and as an outside brand partner on a
deployment into another host location with an attractive customer demographic or
other synergies. The status of each of these categories is discussed below:

Retail

In May 2001 Endo Networks was  contracted by The Beer Store,  Ontario's  primary
beer  retailer,  owned by Labatt,  Molson and Sleeman  Breweries.  Over a 30 day
period we deployed  BeerTV,  BeerRadio and  BeerStations in the six locations of
The Beer  Store in the City of  Burlington.  The  performance  of these six paid
deployments exceeded  expectations,  and expansion of The Beer Store project has
been  approved for 2002.  Cogeco Cable is an outside brand  currently  "renting"
space on these deployments for measurable promotional marketing,  providing cost
recovery to The Beer Store.  Several  other major brands will be  introduced  to
this project in 2002.

Food Service

In January 2002, our first Food Service placed deployment will commence with Fox
and Fiddle Group, a chain of 23 (and growing) pubs and bars,  including  Whiskey
Saigon,  The Wheat Sheaf, The Brunswick House and O'Grady's.  As of January 2002
we have  more  than 80  similar  locations  on our  waiting  list,  which we are
currently  ranking for deployment based largely on their  attractiveness  to our
outside brand partners.  2002 Food Service  deployment  target is 200 locations.
Several major outside brand partners will be introduced to this project in 2002.

Events

In partnership with Mosaic Group (www.mosaicgroupinc.com), in 2001 Endo Networks
delivered several successful event solutions to brands including Beer.com.  Endo
Networks has been contracted for many exciting and innovative event projects for
major outside brand partners for 2002.

Government

Most  governments  are currently  investigating  the use of  interactive  public
network  technology  to improve  the  service  they offer  their  citizens,  and
implement a plan for future cost  avoidance.  Endo  Networks is currently in the
early  stages  of  pilot  deployments  for  several  local  communities.   These
deployments  may also extend  relationships  already in place with outside brand
partners in other categories.

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Future Potential Deployment Categories

         Doctors Offices
         Shopping Malls
         Grocery Stores
         Airports
         Convenience Stores
         Resorts/Hotels
         Office Buildings

Outside Brand Partners

Pilot projects with outside brand partners in 2001 yielded  phenomenal results -
one direct  marketing  initiative  over our network with The Beer Store captured
qualified  leads for our outside  brand partner which yielded a 5% conversion to
sales rate, when the expectation was defined at between 0.5% and 1.5%. This does
not include any additional  sales derived by the brand  advertising  the outside
brand partner received on BeerTV and Beer Radio.

There are many factors which make our offering more  attractive to outside brand
partners than other advertising vehicles, however, perhaps the most important is
availability of action. We can communicate a call to action very effectively via
Audio and TV, to which the target potential customer can respond immediately via
our  Interactive  touchscreens  - before  the call to action  has a chance to be
diluted by competing messages.

Negotiations  are currently  underway with several leading brands to exploit our
capabilities  - as  with  Deployments,  we  are  focusing  on  brands  or  brand
categories which can expand with us.

Application Partners

A substantial  portion of our  application  offering in 2001 was  proprietary to
Endo Networks.  Moving into 2002, we are aggressively pursuing partnerships with
leaders currently providing non-aggregated applications into our target markets.
This  will  allow  us  to  leverage  their  core   competencies,   delivering  a
continually-improving  solution  to our  partners,  while  allowing  us to shift
resources away from application development and towards network growth.

RESEARCH AND DEVELOPMENT

In  2001,  a  Endo  Networks  invested  heavily  in  research  and  development,
approximately 30% of which was able to be invoiced through to clients on various
projects.  In the first three  months of 2002,  this  investment  in R&D will be
somewhat  reduced as we focus on our internal systems and process in preparation
for our first major deployment push in the second and third quarters of 2002. In
the  fourth  quarter  of  2002  we  anticipate   increasing  R&D  investment  as
deployments slow for the Christmas selling season.

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<PAGE>


ACQUISITION STRATEGY

In the short term,  we will only  consider  acquisitions  which enhance our core
competencies.  These acquisitions will be primarily stock transactions, and will
in  most  cases  also  bring  a  revenue   stream  to  Endo  Networks  which  is
complementary  with our current core  competencies,  and is synergistic with our
existing brands.

In the medium term, we will be focused on acquisitions  which deliver us a large
number of  potential  deployments,  i.e.  acquiring  single or limited  function
networks with a large number of existing  deployments  which we can upgrade over
time to our  solution,  and in which there is proven  revenue for one or more of
our applications.

In the longer  term,  we will  leverage the power of our network to partner with
emerging  and  existing  applications  to acquire  minority  positions  in their
business in return for distributing their applications to our customer base.

ITEM 2        DESCRIPTION OF PROPERTY

HARDWARE RELATED TO DEPLOYMENTS

Endo Networks  currently leases  infrastructure  equipment  (including  servers,
monitors,  TVs,  touchscreens,  Internet  appliances,  sound systems,  switches,
etc.):

         Deployed within locations of The Beer Store
         Deployed on event solutions for Mosaic
         Preparing for deployment within Food Service locations
         Deployed in our showroom
         Utilized in our network servers

SOURCE CODE

Endo Networks currently owns source code as follows:

         Proprietary applications including audio, video and interactive
         Content management applications
         Various eCommerce applications
         Code related to integrating third party applications

ITEM 3        LEGAL PROCEEDINGS

The Company is not involved in any legal proceedings.

ITEM 4        SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS


At a special meeting of the shareholders of the Company,  the Company  submitted
on November  2, 2001,  to a vote of security  holders the  following  proposals.
There were 2,679,300 shares outstanding and eligible to vote at the meeting.
a)       to approve the Stock  Exchange  Agreement  whereby  the Company  issued
         9,391,666  shares in  exchange  for 100% of the issued and  outstanding

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         stock of Endo Networks, Inc.  The Agreement was effective September 30,
         2001.
                  Votes for:                2,485,000         (92.78%)
                  Votes against:                -0-
                  Abstentions:                  -0-

b)       to approve a change in the name of the Company from  Discount  Mortgage
         Source, Inc. to Endo Networks, Inc.
                  Votes for:                2,485,000         (92.78%)
                  Votes against:                -0-
                  Abstentions:                  -0-

c)       to approve the  redomiciling of the  Corporation  from Texas to Nevada,
         and
                  Votes for:                2,485,000         ( 92.78%)
                  Votes against:                -0-
                  Abstentions:                  -0-

d)       to elect the following directors for the Company:
         William S. Best         Votes for:            2,485,000       (92.78%)
                                 Votes against:            -0-
                                 Abstentions:              -0-

         Peter B. Day            Votes for:             2,485,000      (92.78%)
                                 Votes against:             -0-
                                 Abstentions:               -0-

         Wayne Holm              Votes for:             2,485,000      (92.78%)
                                 Votes against:             -0-
                                 Abstentions:               -0-

On November 2, 2001, C. Michael Kamps resigned as an officer and director of the
COmpany.  Acquisition or Disposition of Assets.

The assets and  liabilities of Endo Networks,  Inc. at the time of the effective
date of the Stock Exchange Agreement,  were taken up on the books of the Company
at the  amounts  carried  at  that  time  by  each  corporation.  The  financial
statements  reflecting  these  assets  are  included  as an Exhibit to this Form
10-KSB.



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PART II.

ITEM 5        MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED
              STOCKHOLDER MATTERS

         a.       Market Information.

         The Company's  common stock is currently  traded on the NASDAQ bulletin
board.  The  following  were the high and low sales  prices for each quarter for
which the Company's stock traded:
                                    Period                High            Low
                                    ------------         ----------       ----
                  2000              All quarters         Not traded

                  2001              1st quarter          Not traded
                                    2nd quarter          Not traded
                                    3rd quarter          $0.75           $0.25
                                    4th quarter          $1.25           $0.34

         b.       Holders.

         There are approximately one hundred (100) shareholders.

         c.       Dividends

         Registrant  has not paid a dividend to the holders of its common  stock
and does not anticipate paying dividends in the near future.

         e.       Warrants

         Registrant has no warrants outstanding.


ITEM 6        MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATION

SUMMARY OF 2001

Our  accomplishments  in 2001 are detailed in Section 1 above. In summary,  they
are as follows:

Deployments

         Proved the attractiveness of an aggregated model to host locations
         Proved our ability to remotely manage and support a deployment
         Built a (growing) knowledge database of deployment-related issues
         Gained a better understanding of cost of managing a deployment
         Generated substantial revenue from Paid deployments
         Secured relationships with internationally-recognized brands
         Integrated   various  hardware  and  software   elements  for  reliable
         operation
         Learned our chosen Network Management System
         Developed Food Service placed deployment model

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Applications

         Demonstrated how aggregation  allows an increase in  effectiveness  for
         applications
         Gained a better understanding of potential of various applications
         Began negotiations with potential application partners
         Developed a number of proprietary applications
         Developed an expert understanding of how to customize  applications for
         touch and public use.
         Developed an expert understanding of how to aggregate  applications for
         maximum effectiveness.
         Demonstrated  our  design,   production  and  application   development
         capabilities.
         Generated revenue from our proprietary applications.

Outside Brand Partners

         Demonstrated  the  capability  of our  offering to deliver  exceptional
         value to an outside brand partner
         Secured  relationships  with  internationally-recognized  brands in key
         categories.
         Began  negotiations  with many more major  potential  brand  partners o
         Generated revenue from outside brand partners.

Research and Development

         Developed core  applications  required to allow initial  deployments in
         Retail, Events and Food Service.

Acquisition

         Used  stock and  options  to acquire  contractors  to enhance  our core
         competencies.

Operations

         Established and staffed head office.
         Attracted  key  members of our team with  contacts  and  experience  in
         advertising, food service, retail and government.
         Completed private placement for growth funding.
         Completed reverse-take over transaction with Discount Mortgage Services
         Inc.
         Renamed Discount Mortgage Services Inc to Endo Networks Inc.
         Redomiciled Endo Networks Inc. from Texas to Nevada.
         Secured initial hardware venture leasing partner.

DISCUSSION OF 2002

First Calendar Quarter 2002

Our focus for the first  calendar  quarter of 2002 is on the  implementation  of
business processes and systems to allow us to grow from a small  entrepreneurial


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organization  into a somewhat  larger,  fast growing  corporation.  We will also
begin  expansion  of The Beer  Store  deployments,  initiate  our  Food  Service
Deployments, and secure a small number of key outside brand partners.

This entails the following:

         Determination   of  branding,   both  for  Endo  and  our   proprietary
         applications.
         Definition of and implementation of formal corporate structure,  driven
         by our learnings from 2001.
         Detailed documentation of our existing source code.
         Detailed strategy for continued software development, or identification
         of areas where we will be looking for partners,  and what  capabilities
         we will look for in those specific partners to best fit our anticipated
         network growth.
         Deployment plans, with specific attention to reducing deployment cost.
         Streamlining  of sales and  marketing  process to allow  faster time to
         market per deployment.
         Detailed sales and marketing plan
         Production  of sales  and  marketing  materials,  including  website
         Execution of expanded venture leasing contract.
         Establishment  of formal Board of Directors  and  corporate  governance
         structure
         Preparation of new employee, supplier, deployment,  application partner
         and outside brand partner contracts and licensing agreements.
         Initiate intellectual property protection initiatives
         Implement  improved,   more  scalable  network  servers  and  plan  for
         outsourcing
         Preparation of plan for The Beer Store expansion
         Initial deployment of Food Service
         Preparation of Food Service expansion plan

Second Calendar Quarter 2002

In the second calendar  quarter of 2002, we will continue to invest in enhancing
our operational capabilities, but our focus will shift to aggressive deployments
with The Beer Store,  Food Service and Events,  partially  driven by our outside
brand partner's  desire to catch the spring and summer selling  season.  We will
also commence  initial  deployments  within the Government  market segment,  and
expand our relationships with outside brand partners.

Third Quarter 2002

In the third calendar quarter of 2002, deployments will slow with The Beer Store
(target 26 total  deployments)  and Events  (target 20 total  deployments),  and
continue aggressively with Food Service (target 200+ deployments). No new action
is anticipated with Government deployments (target 2 deployments). Outside brand
partnerships will become a focus as we fill our network capacity. Expansion into
the US will be  considered.  Acquisition  of key  businesses  which  could yield
faster location deployment, or new forms of revenue will be considered.

Fourth Quarter 2002

In the last three months of the  calendar  year the focus of our Retail and Food
Service  partners  turns towards  handling the volume of Christmas  sales - this
makes this time of the year unattractive for new deployments. Instead, our focus

                                       13

<PAGE>

will be on maximizing the effectiveness of our existing  deployments and outside
brand partner relationships, and preparing for network expansion in 2003.

Anticipated number of employees by year end 2002 is approximately 30.

Endo Networks Inc. will provide an annual report including audited statements on
request.

Endo Networks Inc. files quarterly reports with the SEC.

Public may read and copy any  materials  filed by Endo  Networks with the SEC at
the SEC's Public  Reference  Room at 450 Fifth Street,  N.W.,  Washington,  D.C.
20549.  Public may abtain  information on the operation of the Public  Reference
Room by calling the SEC at 1-800-SEC-  0330.  The SEC maintains an Internet site
that contains reports, proxy and information  statements,  and other information
regarding issuers that file electronically with the SEC at www.sec.gov.

Safe Harbor Statement under the Private Securities Litigation Reform Act of 1995
This discussion may contain certain "forward-looking" statements as such term is
defined in the Private Securities  Litigation Reform Act of 1995 and information
relating to the Company  and its  subsidiaries  that are based on the beliefs of
the  Company's  management  as  well  as  assumptions  made  by and  information
currently available to the Company's management.  When used in this release, the
words "anticipate,"  "believe,"  "estimate,"  "expect" and "intend" and words or
phrases of similar import,  as they relate to the Company or its subsidiaries or
Company management,  are intended to identify forward-looking  statements.  Such
statements reflect the current risks,  uncertainties and assumptions  related to
certain factors including,  without limitations,  changes or anticipated changes
in regulatory  environments,  competitive factors,  general economic conditions,
customer relations,  relationships with vendors,  the interest rate environment,
governmental  regulation and  supervision,  seasonally,  distribution  networks,
product introductions and acceptance,  technological change, changes in industry
practices,  onetime events and other factors described herein and in other press
releases to the public or filings  made by the company with the  Securities  and
Exchange  Commission,   the  ability  to  secure  partnership  or  joint-venture
relationships  with other entities,  the ability to raise additional  capital to
finance   expansion,   and  the  risks  inherent  in  new  product  and  service
introductions  and the entry into new  geographic  markets.  Based upon changing
conditions,  should any one or more of these risks or uncertainties materialize,
or should any underlying  assumptions  prove incorrect,  actual results may vary
materially from those  described  herein as  anticipated,  believed,  estimated,
expected or  intended.  The  Company  does not intend to update  these  forward-
looking statements. For further information, which could cause actual results to
differ from the Company's  expectations,  as well as other factors,  which could
affect the Company's financial statements,  please refer to the Company's report
filed with the Securities and Exchange Commission.

Endo Networks Inc.
(905) 820 8800
www.endonetworks.com


ITEM 7        FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

         Report of Independent Certified Public Accountant is attached hereto.

                                       14

<PAGE>


ITEM 8        CHANGES IN AND DISAGREEMENTS ON ACCOUNTING AND
              FINANCIAL DISCLOSURES

         The Board of Directors engaged Malone & Bailey, PLLC as auditor for the
Company  whereas  Charles E. Smith  audited the financial  statements  the prior
year. As reflected in an 8-K filed for the change in accountants,  there were no
disagreements  with the prior  auditor on  accounting  or  financial  disclosure
issues,  and there  have  been no  disagreements  with the  current  auditor  on
accounting or financial disclosure issues.




                                       15

<PAGE>



PART III.

ITEM 9        DIRECTORS AND EXECUTIVE OFFICERS OF REGISTRANT


The following persons serve as directors and officers of Registrant:

William S. Best   President, CEO and Director
                  Served  since  November  2001 and  expires at the next  annual
                  meeting

Peter B. Day      Vice-President of Marketing, Secretary and Director
                  Served  since  November  2001 and  expires at the next  annual
                  meeting

Wayne Holm        Director
                  Served  since  November  2001 and  expires at the next  annual
                  meeting

William S. Best - President, CEO and Director
---------------
Mr. Best received his BA from the University of Toronto in 1982 and received his
Chartered  Accountant  license and became a member of the Canadian  Institute of
Chartered Accountants in 1985. Mr. Best worked for The Equion Group Limited from
1995 to 2000 starting as the Vice President and working up to President and CEO,
in which  capacity he served from 1998 to 2000.  Mr. Best has been the President
and CEO of Endo Networks, Inc. since joining them in 2000.

Peter B. Day - Vice-President of Marketing, Secretary and Director
------------
Mr. Day attended the  University of Toronto from 1989 to 1992 studying  English,
History  and   Psychology   and  attended   Humber   College  in  2000  studying
Telecommunications. Mr. Day work experience follows: General Manager and Partner
in Down Home Satellite  Programming,  Inc. from 1996 to 1998. Marketing Director
and General Manager for Galaxy  Satellite  Programming,  Inc. from 1998 to 2000.
Vice President and Partner in Streamline  Media,  Inc., a computer  software and
web design company from 2000 to present.  Vice President and General Manager for
Endo Networks, Inc. from 2000 to present.

Wayne Holm - Director
----------
Mr. Holm attended Simon Frazier  University  from 1965 to 1970 and played in the
Canadian  Football  League from 1969 to 1974. Mr. Holm's recent work  experience
follows:  In 1989 he co-founded Spectra Food Corporation in 1989 and became Vice
President. Vice President and Co-CEO for The Spectra Group of Great Restaurants,
Inc.  from 1993 to 1997.  Chairman of the Board for The  Spectra  Group of Great
Restaurants,  Inc. from 1997 to 2001, and became  President and Chief  Operating
Officer in 2001. Mr. Holm also became the Senior Vice President for Branding and
Concept Development for Cara Operations Limited in 2000.


ITEM 10       EXECUTIVE COMPENSATION

         The Company paid no  compensation  to its officers and directors in the
calendar year 2001.

         The Company has no retirement or stock option or bonus plan.

                                       16

<PAGE>


ITEM 11       SECURITY OWNERSHIP OF MANAGEMENT AND BENEFICIAL OWNERS

         Set forth below is the direct ownership of Registrant's common Stock by
management and any owner of 5% or more of Stock of Registrant.

Title of         Name and address                 Amount of shares    % of class
Securities       of owner                                              owned
--------------------------------------------------------------------------------
Common          Peter B. Day                         4,577,500          37.9%
                2624 Dunwin Drive, Unit #3
                Mississuaga, Ontario L5L 3T5

Common          Dean T. Hiebert                      2,432,500          20.2%
                2624 Dunwin Drive, Unit #3
                Mississuaga, Ontario L5L 3T5

Common          William S. Best                        575,000           4.8%
                43 Dundurn Road
                Toronto, Ontario M4N 2W9

Common          Wayne Holm                             100,000           0.8%
                2624 Dunwin Drive, Unit #3
                Mississuaga, Ontario L5L 3T5

Common          Woodbridge Management, Ltd.          2,000,000 *        16.6%
                192 Blue Hill Road South
                Nassau, Bahamas

Common          All Officers, Directors &            9,685,000          80.1%
                Beneficial Holders as a Group

* The Company has the option to purchase 1,975,000 shares by May 2, 2002.



ITEM 12       CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

         In January 2001,  the Company issued  4,577,500  shares to its Peter B.
Day and issued  2,432,500  to Dean  Hiebert in  consideration  for  intellectual
property.

PART IV.

ITEM 13       EXHIBITS, FINANCIAL STATEMENTS AND REPORTS ON FORM 8-K

(a)      The following documents are filed as a part of this report:
         Included in Part II, Item 8 of this report:

                                       17

<PAGE>


         Report of Independent Public Accountant

         Balance Sheet as of September 30, 2001

         Statement of  Operations - Period  January 30, 2001 (date of inception)
         to September 30, 2001

         Statement of Stockholders'  Equity - Period from January 30, 2001 (date
         of inception) to September 30, 2001

         Statement of Cash Flows - Period  January 30, 2001 (date of  inception)
         to September 30, 2001

         Notes to the Financial Statements

(b)      The following reports on Form 8-K were filed for the Company during the
         year:

         On an 8-K dated October 26, 2001, the Registrant  announced the signing
         of a Stock Exchange Agreement to purchase 100% of the outstanding stock
         of Endo  Networks,  Inc.,  which  included  a change in  control of the
         Registrant.

         On an  8-K  dated  November  2,  2001,  the  Registrant  announced  the
         resignation  of  Charles  E.  Smith  as  auditor  for the  Company.  As
         reflected  in the body of the 8-K filed for the change in  accountants,
         there  were  no  disagreements  with  him on  accounting  or  financial
         disclosure issues.

         On an  8-K  dated  December  5,  2001,  the  Registrant  announced  the
         appointment of Malone & Bailey, PLLC as auditors of the Company.

(c)      The Company is not filing any exhibits.









                                       18

<PAGE>


SIGNATURES.

         Pursuant to the  requirements  of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned thereunto duly authorized.

                                            Endo Networks, Inc.
                                            Registrant


                                            By:  /s/ William S. Best
                                                 -------------------
                                                 William S. Best
                                            Its: President



                                       19

<PAGE>


                              MALONE & BAILEY, PLLC
                          CERTIFIED PUBLIC ACCOUNTANTS
                           5444 Westheimer, Suite 2080
                              Houston, Texas 77056
                          713-840-1210 Fax 713-840-9034






                          INDEPENDENT AUDITOR'S REPORT




To the Board of Directors
ENDO Networks, Inc. (formerly Discount Mortgage Source, Inc.)


We have audited the accompanying balance sheet of ENDO Networks,  Inc. (formerly
Discount  Mortgage  Source,  Inc.) as of  September  30,  2001  and the  related
statements of operations,  stockholders'  equity,  and cash flows for the period
from inception  (January 30, 2001) through  September 30, 2001.  These financial
statements   are  the   responsibility   of  the   Company's   management.   Our
responsibility  is to express an opinion on these financial  statements based on
our audit.

We conducted our audit in accordance with auditing standards  generally accepted
in the United States.  Those standards require that I plan and perform the audit
to obtain reasonable  assurance about whether the financial  statements are free
of material misstatement. An audit includes examining, on a test basis, evidence
supporting  the amounts and  disclosures in the financial  statements.  An audit
also includes assessing the accounting principles used and significant estimates
made by  management,  as well as  evaluating  the  overall  financial  statement
presentation.  We believe  that our audit  provides a  reasonable  basis for our
opinion.

In our opinion,  the financial  statements  referred to above present fairly, in
all material respects,  the financial position of ENDO Networks,  Inc. (formerly
Discount  Mortgage  Source,  Inc.) as of September 30, 2001,  and the results of
operations and its cash flows for the period from  inception  (January 30, 2001)
through  September 30, 2001 in conformity with accounting  principles  generally
accepted in the United States.




/s/ Malone & Bailey, PLLC
-------------------------
    Malone & Bailey, PLLC
    Houston, Texas

January 8, 2002

                                       F-1


<PAGE>


<TABLE>

<CAPTION>


                               ENDO NETWORKS, INC.
                    (formerly Discount Mortgage Source, Inc.)

                                 BALANCE SHEETS
                               September 30, 2001

                                     ASSETS
                                     ------
                                                                                 Sept 30, 2001
                                                                             -------------------
<S>                                                                          <C>

CURRENT ASSETS:
    Cash                                                                                   $352
    Accounts receivable                                                                  11,436
    Deposits with customers                                                              40,345
    Prepaid expenses                                                                        142
                                                                             -------------------
    Total current assets                                                                 52,275

PROPERTY AND EQUIPMENT:
    Furniture and fixtures (net of $1,650 depreciation)                                  25,857
    Equipment (net of $11,599 depreciation)                                             180,237
    Computer equipment (net of $340 depreciation)                                         3,510
    Automotive equipment (net of $148 depreiciation)                                      2,309
                                                                             -------------------
    Total property and equipment                                                        211,913

OTHER ASSETS:
    Intellectual property (net of $17,683 amortization)                                   8,840
    Application development (net of $4,637 amortization)                                 54,053
                                                                             -------------------
    Total other assets                                                                   62,893

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

TOTAL ASSETS                                                                           $327,081
                                                                             ===================

                      LIABILITIES AND STOCKHOLDERS' EQUITY
                      ------------------------------------

LIABILITIES
    Accounts payable                                                                    $25,198
    Accrued expenses                                                                     16,251
    Capitalized leases - current                                                         51,755
                                                                             -------------------
    Total current liabilities                                                            93,204

    Capitalized leases - non current                                                    131,353
                                                                             -------------------

TOTAL LIABILITIES                                                                       224,557

STOCKHOLDERS' EQUITY
    Common stock, $0.001 par value, 50,000,000 authorized,
         12,070,966 shares issued and outstanding                                        12,071
    Subscriptions receivable                                                            (19,980)
    Additional paid-in-capital                                                          114,202
    Accumulated deficit                                                                  (3,769)
                                                                             -------------------
        Total Stockholders' Equity                                                      102,524
                                                                             -------------------

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                                             $327,081
                                                                             ===================
</TABLE>




See accompanying notes to consolidated financial statements                  F-2

<PAGE>



                               ENDO NETWORKS, INC.
                    (formerly Discount Mortgage Source, Inc.)

                             STATEMENT OF OPERATIONS
         Period from Inception (January 30, 2001) to September 30, 2001


                                                             Period from
                                                              Inception
                                                            (Jan 30, 2001)
                                                                  to
                                                            Sept 30, 2001
                                                          -------------------

REVENUE                                                              $98,531

OPERATING EXPENSE:
    Depreciation and amortization                                     36,057
    General and administrative                                        66,243
                                                          -------------------
        Total Operating Expense                                      102,300

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

NET INCOME                                                           ($3,769)
                                                          ===================



Weighted average shares outstanding                                7,539,344
                                                          ===================

Loss per share - basic and diluted                                    ($0.00)
                                                          ===================



























See accompanying notes to consolidated financial statements                  F-3

<PAGE>

<TABLE>

<CAPTION>


                               ENDO NETWORKS, INC.
                    (formerly Discount Mortgage Source, Inc.)

           STATEMENT OF STOCKHOLDERS' EQUITY AND ACCUMULATED DEFICIT
         Period from inception (January 30, 2001) to September 30, 2001




                                          Common  Stock           Subscriptions       Paid In           Accumulated
                                     Shares          Amount         Receivable        Capital             Deficit
                                 -----------------------------------------------------------------   -------------------
<S>                              <C>                 <C>          <C>                 <C>            <C>

Balance,
        January 30, 2001
        (date of inception)                  -0-             -0-              -0-             -0-                   -0-

Shares issued for
           Assets                      7,060,000           7,060                           21,920
           Cash                          359,000             359          (19,980)         83,958
           Services                    1,472,666           1,473                            8,556
           Rent and expenses             500,000             500                            2,447

Reverse acquisition with
    Discount Mortgage Source,
    Inc. - effective 9/30/2001         2,679,300           2,679                           (2,679)

Net income                                                                                                       (3,769)

                                 -----------------------------------------------------------------   -------------------
Balance
        September 30, 2001            12,070,966         $12,071         ($19,980)       $114,202               ($3,769)
                                 =================================================================   ===================

</TABLE>






















See accompanying notes to consolidated financial statements                  F-4

<PAGE>

<TABLE>

<CAPTION>


                               ENDO NETWORKS, INC.
                    (formerly Discount Mortgage Source, Inc.)

                             STATEMENT OF CASH FLOWS
         Period from inception (January 30, 2001) to September 30, 2001


                                                                                   Period from
                                                                                    Inception
                                                                                  (Jan 30, 2001)
                                                                                        to
                                                                                  Sept 30, 2001
                                                                                -------------------
<S>                                                                             <C>

CASH FLOWS FROM OPERATING ACTIVITIES:
    Net loss                                                                               ($3,769)
    Adjustments to reconcile net loss to net
            cash (used) by operating activities:
                Items not requiring cash - depreciation and amortization                    36,057
                                        stock issued for services                           10,029
                Increase in accounts receivable                                            (11,436)
                Increase in deposits and prepaid expenses                                  (40,487)
                Increase in accounts payable                                                41,449

                                                                                -------------------
NET CASH (USED) BY OPERATING ACTIVITIES:                                                    31,843


CASH FLOWS FROM INVESTING ACTIVITIES:
    Purchase of assets                                                                    (278,936)

CASH FLOWS FROM FINANCING ACTIVITIES:
    Sale of common stock                                                                    84,318
    Subscriptions receivable                                                               (19,980)
    Proceeds from lease financing                                                          198,099
    Payments on lease financing                                                            (14,992)
                                                                                -------------------
    Total cash flows from financing activities                                             247,445

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

NET INCREASE IN CASH                                                                          $352

CASH, BEGINNING OF PERIOD                                                                        0
                                                                                -------------------

CASH, END OF PERIOD                                                                           $352
                                                                                ===================

</TABLE>



Note:
-----

Non-cash  investing  activity - the company issued  7,560,000  shares for assets
valued at $31,928.00








See accompanying notes to consolidated financial statements                  F-5

<PAGE>


                               ENDO NETWORKS, INC.
                          Notes to Financial Statements
                               September 30, 2001

NOTE A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Business

Endo  Networks,  Inc.,  ("ENDO") or ("the  Company") is a corporation  organized
under the laws of the State of Nevada.. ENDO was originally incorporated in June
1999  under the laws of the  State of Texas  under  the name  Discount  Mortgage
Source, Inc. ("DMSI"). Effective September 30, 2001 DMSI entered into a plan and
agreement  of merger with Endo  Networks,  Inc.  ("CANADA")  an Ontario,  Canada
corporation. At the effective time of the Merger, the Ontario corporation became
a wholly owned subsidiary of DMSI, and in November DMSI changed its name to Endo
Networks,  Inc. In December the Company  redomiciled its corporate  existence to
Nevada.  None of the DMSI  shares of  common  stock  (of  which  2,679,300  were
outstanding)  were  converted as a result of the merger,  but all of such shares
remained  issued shares of common stock of DMSI. Each of the common stock shares
of the CANADA issued and  outstanding was converted into and became one share of
common stock of DMSI.  The directors of CANADA became the directors of DMSI. Due
to the fact that CANADA shareholders were the majority shareholders of DMSI, the
purchase was  accounted  for as a reverse  merger.  As a result,  the  financial
statements of the Company  reflect the  operations of CANADA through the date of
the reverse  merger.  Comparative  financials are not presented since CANADA was
incorporated in January 2001, and had no prior year  operations,  and DMSI prior
year amounts are not comparative to the Company's activities in 2001.

Endo  Networks,  Inc.  is an  interactive  media,  promotion,  application,  and
advertising  aggregator deploying through wireless capable public access portals
to retail and  restaurant  locations  across North  America.  Endo also develops
application software and client controlled media including television and radio.
The Company's year end is September 30.

Cash Equivalents

The Company  considers all highly liquid investment  instruments  purchased with
original   maturities  of  three  months  or  less  when  acquired  to  be  cash
equivalents.

Management Estimates

The preparation of financial  statements in conformity  with generally  accepted
accounting principles requires management to make estimates and assumptions that
affect  the  reported  amounts  of assets  and  liabilities  and  disclosure  of
contingent  assets and  liabilities at the date of the financial  statements and
the  reported  amounts of revenues  and expenses  during the  reporting  period.
Actual results could differ from these estimates.


                                                                             F-6

<PAGE>


                               ENDO NETWORKS, INC.
                          Notes to Financial Statements
                               September 30, 2001


Property and Equipment

Property and equipment are stated at cost.  Depreciation  of plant and equipment
is calculated on the double  declining method over the estimated useful lives of
the assets.  Depreciation  expense was $ 13,737 for the period ending  September
30, 2001.

Other assets

Other assets are stated at cost.  Amortization of the  intellectual  property is
calculated on the straight line method over twelve  months and  amortization  of
the application  development is calculated on the double  declining  method over
the estimated useful lives of the assets.  Amortization expense was $ 22,320 for
the period ending September 30, 2001.

Income Taxes

Income taxes are accounted for under the asset and  liability  method.  Deferred
tax assets  and  liabilities  are  recognized  for the  future tax  consequences
attributable to differences  between the financial statement carrying amounts of
existing  assets and  liabilities  and their  respective tax bases and operating
loss and tax credit  carryforwards.  Deferred  tax assets  and  liabilities  are
measured  using  enacted tax rates  expected  to apply to taxable  income in the
years in which those  temporary  differences  are  expected to be  recovered  or
settled.  The effect on deferred tax assets and  liabilities  of a change in tax
rates is recognized in income in the period that includes the enactment date.

Income (loss) per Share

Basic net income  (loss) per share is based on the  weighted  average  number of
actual shares  outstanding  during the period.  Options to purchase common stock
are included in the calculation of income (loss) per share provided their impact
is not  dilutive.  As of September  30, 2001, no stock option plan was in place,
and  therefore,  no stock options or other common stock  equivalent  instruments
have been issued.


NOTE B - STOCKHOLDERS' EQUITY

Common Stock:
-------------
The Company is  authorized to issue  50,000,000  common shares of stock at a par
value of $0.001 per share.  These shares have full voting  rights.  At September
30, 2001, there were 12,070,966 shares  outstanding.  The Company has not paid a
dividend to its shareholders.

                                                                             F-7

<PAGE>


                               ENDO NETWORKS, INC.
                          Notes to Financial Statements
                               September 30, 2001

NOTE C - RELATED PARTY TRANSACTIONS

Principle  shareholders  and officers have been  committed to participate in the
startup of the Company. As of the balance sheet date, the principle shareholders
and officers have participated in the start up without  receiving  compensation,
other than stock for  compensation  or minimal  consulting  fees  related to the
developmentment,  formation and  development  of the business of Endo  Networks,
Inc.

In January 2001, the Company issued 4,577,500 shares to its  Vice-President  and
issued  2,432,500  to a major  shareholder  in  consideration  for  intellectual
property valued at $24,069.

NOTE D - INCOME TAXES

The Company  had a net  operating  loss of $3,769 for the period from  inception
(January  30, 2001) to  September  30, 2001  (fiscal year end).  No deferred tax
asset has been  recognized  for the operating  loss as any  valuation  allowance
would reduce the benefit to zero.

         Operating losses expire:   2021        $  3,769

The Company has adopted the asset and liability  method of accounting for income
taxes as required by SFAS No. 109. In accordance  with SFAS No. 109, the Company
has recorded a valuation  allowance  equal to the deferred tax asset as a result
of  the  Company's  "going  concern"  opinion  referred  to in  Note  F and  the
uncertainty that it will be realized.

The  components  of the  provision  (benefit)  for income taxes  included in the
financial statements as of September 30, 2001 are as follows:

Deferred tax assets:                          Sept 30, 2001
                                              -------------
Net operating loss carryforwards                $( 3,769)
Valuation allowance                                3,769
                                                ----------
Total deferred income tax assets                    -0-
Total deferred income tax liabilities               -0-
                                                ----------
Net deferred income tax assets                  $   -0-

The  Company's  effective tax rate on a pre-tax  income  (loss) from  continuing
operations differs from the U.S federal statutory rate as follows:

U.S. federal statutory rate                                      ( 34)%
Increase (decrease) in rates resulting from:
         Change in valuation allowance for deferred tax asset       34%
                                                              ----------
Effective tax rate                                                   0%

                                                                             F-8