National WOW Sponsors
The following organizations are national WOW sponosrs:

Bank One
Bank One Corporation (NYSE:ONE) is the nation's fifth largest bank holding company, with assets of more than $270 billion. Bank One offers a full range of financial services to large corporate and middle market commercial customers and retail consumers. It is the largest VISA credit card issuer, the third largest bank lender to small business, and one of the top 25 managers of mutual funds. A leader in the retail market, Bank One operates more than 1,800 banking centers and a nationwide network of ATM's. Bank One can be found on the Internet at www.bankone.com.

Citimortgage Inc.
CitiMortgage is a member of Citigroup, Inc.(NYSE: C), the preeminent global financial services company that provides some 120 million consumers, corporations, governments, and institutions in more than 100 countries with a broad range of financial products and services, including homemortgages, consumer banking and credit, corporate and investment banking, insurance, securities brokerage and asset management. Major brand names under Citigroup's trademark umbrella are Citibank, CitiFinancial, Primerica, Salomon Smith Barney, and Travelers. Additional information may be found at www.citigroup.com.

Countrywide Home Loans, Inc.
Countrywide Home Loans, Inc. is the primary subsidiary of Countrywide Credit Industries, Inc. (NYSE:CCR). It originates, purchases, securitizes, sells and services home loans, according to its founding principle of affordable homeownership. Countrywide Home Loans is the largest direct online lender, offering loan applications, rich content and strong transaction capability through their Website and a nationwide branch network.

Fannie Mae
Fannie Mae is a New York Stock Exchange company and the largest non-bank financial services company in the world. It operates pursuant to a federal charter and is the nation's largest source of financing for home mortgages. Since 1968, Fannie Mae has provided $3 trillion of mortgage financing for over 37 million families. More information about Fannie Mae can be found on the Internet at www.fanniemae.com. For more information on Fannie Mae affordable housing products, please call Fannie Mae's Consumer Resource Center at 1-800-7-FANNIE (1-800-732-6643) Monday through Friday, from 9 a.m. to 5 p.m., EDT.

Freddie Mac
Freddie Mac is a stockholder-owned corporation chartered by Congress in 1970 to create a continuous flow of funds to mortgage lenders in support of homeownership and rental housing. Freddie Mac purchases mortgages from lenders and packages them into securities that are sold to investors. Over the years, Freddie Mac has opened the doors for one in six homebuyers and two million renters across America.

Household International
Household International, with nearly $123 billion in managed assets, is a consumer lender that has been serving the needs of the middle-market customer since 1878.On March 28, 2003, Household was acquired by HSBC Holdings plc. Headquartered in London, HSBC Holdings plc is one of the largest banking and financial services organizations in the world. HSBC's international network comprises over 9,500 offices in 80 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa.

Irwin Mortage Corporation
Irwin Mortgage Corporation began business in 1944 as Inland Mortgage Company, Inc. In April 1981, Inland Mortgage was purchased by Irwin Financial Corporation (NASDAQ NMS: IRWN) and now operates as one of its five subsidiaries. In 1998, Inland Mortgage changed its name to Irwin Mortgage. Irwin Mortgage has grown to one of America's top mortgage lenders with over 100 offices nationwide and servicing over $12 billion of residential loans. We firmly believe in people, community and home ownership. Every employee at Irwin is dedicated to helping home buyers achieve the American dream of home ownership.

J.P. Morgan Chase & CO.
J.P. Morgan Chase & Co. (NYSE: JPM) is a premier global financial services firm with assets in excess of $705 billion and operations in over 60 countries. The firm is a leader in investment banking, asset management, private equity, consumer banking, private banking, e-finance, and custody and processing services. Headquartered in New York, J.P. Morgan Chase serves 32 million consumer customers and over 5,000 corporate, institutional, and government clients.

Mortage Bankers Association
The Mortgage Bankers Association of America is the national association representing the real estate finance industry. Headquartered in Washington, D.C., the association works to ensure the continued strength of the nation's residential and commercial real estate markets; to expand homeownership prospects through increased affordability; and to extend access to affordable housing to all Americans. MBA promotes fair and ethical lending practices and fosters excellence and technical know-how among real estate finance professionals through a wide range of educational programs and technical publications. Its membership of approximately 2,600 companies includes all elements of real estate finance: mortgage companies, mortgage brokers, commercial banks, thrifts, life insurance companies and others in the mortgage lending field. For additional information, visit MBA's Web site: www.mbaa.org.

National Association of Mortgage Brokers
The National Association of Mortgage Brokers (NAMB) is a not-for-profit organization with 47 state affiliates and over 20,000 members. NAMB provides programs and services such as education, certification and government affairs representation to the mortgage brokerage industry. Through its code of ethics and best business practices, NAMB promotes the highest degree of professionalism for its members and provides ethical and professional standards against which mortgage brokers can be measured. For additional information and resources, visit www.namb.org.

National Association of Realtors
The National Association of Realtors®, "The Voice for Real Estate," is America's largest trade association, representing approximately 880,000 members involved in all aspects of the residential and commercial real estate industries.

New Century Financial Corporation
New Century Financial Corporation (Nasdaq: NCEN- News) is one of the nation's largest specialty mortgage companies, providing first and second mortgage products to borrowers nationwide through its operating subsidiaries. New Century is committed to serving the communities in which it operates with fair and responsible lending practices. As of December 31, 2003, New Century originated loans through 72 sales offices operating in 26 states and 20 regional processing centers operating in 14 states and employed 3,752 Associates. To find out more about New Century, visit www.ncen.com.

United Guaranty Corporation
Subsidiaries of United Guaranty Corporation write mortgage guaranty insurance for first- and second-mortgage loans. Based in Greensboro, NC, United Guaranty is a member company of American International Group, Inc. (AIG). AIG is the world's leading U.S.-based international insurance and financial services organization, the largest underwriter of commercial and industrial insurance in the United States, and among the top-ranked U.S. life insurers. Its member companies write a wide range of general insurance and life insurance products for commercial, institutional and individual customers through a variety of distribution channels in approximately 130 countries and jurisdictions throughout the world. AIG's global businesses also include financial services, retirement savings and asset management.

Wells Fargo Home Mortgage
Wells Fargo Home Mortgage, Inc., headquartered in Des Moines, Iowa, is a leading originator and servicer of residential mortgages. A subsidiary of Wells Fargo & Company (NYSE: WFC), Wells Fargo Home Mortgage serves all 50 states through the leading mortgage lending network in the country, with a presence in more than 1,800 mortgage and Wells Fargo bank stores and on the Internet. Combined, its retail and wholesale lending operations provided funding for approximately one of every seven homes financed in the United States in 2003. For more information, visit www.wellsfargo.com.