ATTORNEYS:

        * Marvin H Penstein          (631) 698-0459

          * Sharon L Silver               (631) 467-0700

LENDERS:

          * U.S.A. Mortgage Bankers of America, Inc

             Kerryn Ellson-Senior Loan Officer

              (631) 289-6000 -or- (516) 230-4488 Pager

          * American Home Mortgage

             Regina Cristodero-Senior Loan Officer

              (631) 471-4880 -or-(516) 685-4851 Pager

APPRAISERS:

          Richard Crosier       (631) 698-5656

          Diane Bryan              (631) 698-0804

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RICHLIN REAL ESTATE & RICHLIN APPRAISALS 1134 Middle Country Rd Selden, NY 11784
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