California

	Marshall Armstrong (415) 325-9804 Palo Alto, CA member since 3-28-95
Nicholas Benetic Benetic Financial Corporation (818) 957-1933 fax 818 957-0520 La Crescenta, CA member since 4-21-97	L Doyle Harris 916 542-9285 fax 916 542-9290 S Lake Tahoe, CA member since 3-97
Craig Hart Omega Capital Group 800 685-2916 fax 310 677-2350 Ingelwood, CA member since 3-97	Kevin Kim Mortgage Net Funding Group Los Angeles, CA member since 7-97
Robert Lia Saratoga Financial Group Mtg Division 818 991-7866 fax 818 597-9525 Calabasas, CA member since 3-97	LeRoy McAdam Terry York Management 818-778-1778 Ext 207 Sherman Oaks, CA member since 1-00
Gary L. Roberts, V.P. United Savings Bank, F.S.B. San Francisco, CA member since 7-28-93	Doris J Ruegg Apple Mortgage 619 341-4444 fax 619 341-0987 Palm Desert, CA member since 3-97
Roy B. Satz Bankers Alliance Mortgage Group 714-836-4700 fax 714 836-4797 Santa Ana, CA member since 1-30-95	Lou Steinberg Investors Trust Mortgage Corp. 707 792-5304 Petalluma, CA member since 1-29-96
Macel Silva San Jose, CA member since 12-99	J.C. Thomas, Jr Interstate Mortgage Group Oakland, CA member since 5-97