Northern California Appraisal Company Announces Hiring

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Apple Appraisal, Inc. announces that Dennis Kerns has been hired as our Executive Vice President, effective September 1, 2004.

Apple Appraisal, Inc., a market leader in residential real estate appraisal for mortgage brokers, and quality control reviews of appraisals for wholesale mortgage lenders announces the hiring of Dennis Kerns as Executive Vice President. Dennis is a native of the Bay Area, and has previously owned his own appraisal firm in San Jose. Most recently, Dennis was a contract appraiser for Apple Appraisal, Inc. in the San Jose area, covering markets ranging from the Monterey Peninsula to Northern Santa Clara County and appraising homes ranging from simple tract homes to large custom estates and proposed custom homes. Dennis has been in the mortgage industry for 20 years, which included many different facets of the industry, ranging from the foreclosure process to IT and technology as it relates to the mortgage industry and specifically appraisal and its implementation. Dennis has a keen appreciation for technology and software development and along with Anthony Blackburn, will be taking an active role in the development of proprietary software. “Dennis brings with him many talents and Apple Appraisal, Inc. is proud to have him in such a key position.”, said Anthony Blackburn, Apple Appraisal, Inc.’s President and co-founder. Dennis will also be overseeing day to day production, as well as special projects relating to appraisal production and delivery to mortgage brokers and wholesale lenders. Other projects Dennis will be involved in are the opening of branch offices and quality control of appraisal products submitted to Apple Appraisal, Inc. for review by lenders.

Dennis Kerns lives in San Jose with his wife and two children and enjoys softball and coaching his 5 year old son’s soccer team. Apple Appraisal, Inc. is a residential appraisal firm, providing residential appraisals to mortgage brokers and quality control appraisal review services to wholesale mortgage lenders. Apple Appraisal, Inc. is headquartered in Martinez, CA and serves Northern and Southern California and has been in business for over 10 years. Mortgage brokers have trusted Apple Appraisal, Inc. and our appraisal methodologies to provide them with solid appraisal products that withstand critical review. Wholesale lenders look to Apple Appraisal, Inc. for our commitment to quality assurance and the protection of the lender in a mortgage finance transaction.

FOR MORE INFORMATION CONTACT:

Debra Eisenbarth,

VP, Operations

Anthony Blackburn,

President

Office Telephone (925) 313-5900

On the web at http://www.goapple.com

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Anthony Blackburn