Zino Mortgage Expands Into Merced With New Retail Branch Office; Company's Experienced Team of Local Loan Officers Provide Beneficial Services to Growing Community

Business Wire, March 3, 2003

Business Editors/Real Estate Writers

CONCORD, Calif.--(BUSINESS WIRE)--March 3, 2003

Zino Mortgage Group, an innovative and rapidly growing residential mortgage banker, today announced the official opening of its Merced retail branch office. The company's extensive background and team of local experts, who understand the needs of the community, effectively arrange and implement loans for clients in rapidly growing communities throughout California. Zino's experienced loan officers provide the fastest loan transactions and highest level of customer support in the industry.

"Zino's newly opened retail office in Merced enables the local community to benefit from the products and systems of larger banks, with the speed, flexibility, attention and focus of a family owned business," said Jeff Carzino, CEO, president and founder of Zino Mortgage Group. "Zino's extensive experience in residential funding with a seasoned staff of industry professionals combined with the company's philosophy of partnering with each of its customers offers an optimum experience in finding the appropriate loan program."

Zino's Merced retail branch office is located at 3172 Collins Drive, Suite B, Merced, CA 95340. Additional information is available at www.zinomortgage.com or by calling the Merced office directly at 209/384-4200.

About Zino Mortgage Group

Zino Mortgage Group combines extensive industry experience and superior customer support to provide the fastest loan closings in the industry. The company delivers the products and services of larger banks but offers the speed, flexibility, quality and personal touch of a family owned business. Specializing in services for first time home buyers, the company's experienced teams of local loan officers arrange, implement and deliver the right mortgage loans to meet the needs of each customer. Zino Mortgage Group's headquarters is located at 4071 Port Chicago Highway Suite 120 Concord, CA 94520. Additional information is available at www.zinomortgage.com.