ADVISORY/Frank Nothaft of Freddie Mac to Deliver State of the Economy Address; Chief Economist of Freddie Mac ''Opens the Door'' at Vertical Lend's Second Annual Conference.

Business Editors

ADVISORY...for Tuesday (Sept. 23)

--(BUSINESS WIRE)

Vertical Lend:

WHAT:   Second Annual Economic Forecast - The lowest rates in four
        decades have spurred back-to-back, record-breaking years in
        mortgage-loan originations. Now, with growing uncertainties
        over Federal Reserve policy and ballooning federal deficits,
        these historically low rates have begun to spike.

        Frank Nothaft, chief economist of Freddie Mac, will address
        these and other critical issues impacting the current state
        of the U.S. economy and the subsequent influence this may
        have on expected trends in the real estate market and mortgage
        industry, as well as related business activities.

        *Complimentary breakfast and beverages will be made available.

WHO:    Interview opportunities will be available with:
        --  Frank Nothaft, chief economist of Freddie Mac
        --  David Peskin, CEO Vertical Lend & Mortgage Warehouse
        --  As well as other key industry executives

WHERE:  Fox Hollow
        7725 Jericho Turnpike
        Woodbury, NY

WHEN:   Tuesday, September 23rd
        9:00 am
        (Reservations are strongly recommended)