Level 3 Securities Announces MEM Looks Ahead Anticipating Success

Market Wire, January, 2005

Level 3 Securities Market Performers this morning are: MEM Financial Solutions, Inc. (OTC: MMFS), Thornberg Mortgage Inc (NYSE: TMA), TD Mortgage Investments CP (TSX: TDB.M) and Municipal Mortgage and Equity (NYSE: MMA).

MEM Financial Solutions, Inc. (MMFS.PK) had a great 4th Quarter of 2004, and begins 2005 on a high note! MEM has signed a letter of intent to acquire Integrity Research, Inc. of Clifton Park, NY. A young but rapidly growing company, Integrity Research was founded in February 2003 and is an authorized title agent for Chicago Title Insurance Company. While still in their first year of business, Integrity received 502 orders to be processed totaling $56,299,300.00! This is an amazing revenue stream for any company, new or old! In their second year of business, 667 orders were processed totaling $74,804,050.00. This is fantastic news for investors!

Integrity, with its proven track record for success, is just one of many acquisitions that MEM is working on at this time. Since its inception, MEM has produced double-digit growth annually! 2004 Revenues are expected to exceed $75 Million, up from $42 Million reported last year. To date, the company has generated a total of over $150,000,000 in revenue! Now is the time to invest in MEM: a smart company right in the thick of things. This is an excellent buy!

In December of last year, MEM announced that Mr. Mark Elliott McLeod has been appointed the new President and CEO of MEM Financial Solutions, Inc. In 1996, after gaining experience in the custom home building and land development industry, McLeod began his career in the mortgage industry. In less than a year he had become a top sales performer and was promoted to management with UC Lending (formerly known as United Companies Lending Corporation) of Baton Rouge, Louisiana. He was then hired to open new retail markets with First United Mortgage Company of Kenilworth, New Jersey. Mr. McLeod formed MEM Financial Solutions in June of 1999 and began building on what he calls a new corporate model, based on performance and production.

With this robust, ever-expanding housing market, MEM anticipates a 12%-15% compounded yearly growth that will continue to blossom by the rapid expansion currently planned. Look for MEM to continue to grow as the company pursues new acquisitions of title abstract companies, settlement agencies, mortgage brokerages, and federally chartered banks. MEM Financial Solutions is currently licensed as a mortgage broker in New York and in Florida. Concerted efforts are being made to obtain licensing in every state in the U.S. within a year. MEM is looking for this coast-to-coast thrust to provide acceleration in its growth rate -- and your portfolio can experience healthy growth, too!

Neither the information nor any opinion expressed herein constitutes an offer, or an invitation to make an offer, to buy or sell any securities or any options, futures or other derivatives, related to such securities. Level 3 Securities Inc was compensated twenty-five thousand shares for this opinion by a third party. Level 3 Securities Inc. and its affiliates may trade for their own accounts in any securities of the issue (or issues) or in related investments. Level 3 Securities Inc. does not accept liability for any loss resulting from an investor's use of, or reliance on, this report. Level 3 Securities Inc. has obtained information from sources that are considered reliable but it is not guaranteed that this report is accurate or complete. Considerable reliance has been placed on information the company has released to the public domain or provided. However, no representation or warranty is made as to the accuracy, reliability, or timeliness of the content. This report contains forward-looking statements, which involve risks and uncertainties, which could cause actual results to differ from those implied by these statements. It is intended that all forward-looking statements be covered by the "safe harbor" provisions of section 21E of the Securities Exchange Act of 1934. Past performance is not necessarily a guide to future results. The opinions expressed are as of this date and Level 3 Securities, Inc. assumes no obligation to update, modify, or amend this report.

Contact: Level 3 Securities Inc. 561-541-4396 info@level3corp.com