ADVISORY/Future Hall of Fame Quarterback Dan Marino to Announce MarinoVirtualBank and Venture Plan to Benefit Children Across America.

News/Assignment Editors

ADVISORY...for Thursday (May 10)

--(BUSINESS WIRE)

Marino and VirtualBank, a Nationwide Technology Leader in Banking,

to Launch Private Banking Center at May 10 Press Event

in Palm Beach Gardens, Fla.

WHO:              Dan  Marino, future Hall of Fame quarterback,
                  successful businessman  and  philanthropist, will be
                  introducing "MarinoVirtualBank"
                  (http://marino.virtualbank.com). MarinoVirtualBank
                  is powered  by  VirtualBank(TM), one of the
                  country's most innovative and technology-literate
                  financial  services firms with more than $2.8
                  billion in assets under management. Marino will join
                  VirtualBank Chairman and CEO Rory Brown at a May 10
                  press conference to announce MarinoVirtualBank as
                  well as the grand opening of VirtualBank's new
                  corporate headquarters in Palm Beach Gardens, Fla.
                  Marino will unveil his plans for positioning the
                  venture to further his philanthropic commitment to
                  helping children. Also participating in the event
                  will be state and local dignitaries who will be on
                  hand to celebrate the opening and discuss its impact
                  on South Florida's emerging technology business
                  sector.

WHEN:             Thursday, May 10, 2001
                  5:00 - 7:00 PM; Press Conference at 6:00 PM
                  Complimentary limousine service provided; valet
                  parking available; catered exclusively by
                  Continental Catering of Palm Beach; cocktails and
                  hors d'oeuvres will be served.

WHERE:            VirtualBank Corporate Headquarters
                  3801 PGA Blvd.
                  Palm Beach Gardens, Florida

WHY:              MarinoVirtualBank is leveraging the latest in
                  today's technology to bring next-generation private
                  banking to upwardly mobile, affluent individuals,
                  who understand how the Internet can save them time
                  and streamline their financial record-keeping.
                  Utilizing the power of the Internet and
                  VirtualBank's proprietary technology,
                  MarinoVirtualBank will offer clients the convenience
                  of banking online while providing personal service
                  through an assigned Relationship Manager across
                  products. Clients can apply for a full suite of
                  deposit and lending products, free account
                  aggregation, free bill payment and financial
                  advisory services through an innovative technical
                  platform that is uninhibited by the product-centered
                  bureaucracy and legacy systems of traditional banks.

                  VirtualBank is one of the few growing, profitable
                  and technology-literate financial services firms to
                  prosper during recent economic turmoil.
                  VirtualBank's technology platform is being used and
                  co-branded within many of today's most successful
                  companies and organizations, including EMC2,
                  WorldCom, Textron and The Association of Compaq
                  Employees.

VirtualBank was voted "Best Online Bank" in the October 2000 issue of Money Magazine.