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Terence Cullen serves as the Global Head of Business Development at iCalm Health, a position held since January 2021, focusing on promoting wellness through innovative beverage solutions. With extensive experience in the mortgage industry, Terence founded and owns Interstate Home Loan Center, Inc. since August 1995 and previously operated as Owner/CEO for Home Trust Mortgage Bankers from March 1987 to February 1995, along with a role as Sr. Loan Officer/Sales Manager at Saxon Equity from February 1981 to February 1987. Terence's educational background includes a Marketing and Business degree from Saint Joseph's College and a Bachelor's degree in Business from CW Post College.