Press Release

Concord, CA -- September 20, 2004 First Collateral Services, Inc. has begun its B2B drive using Data Dialect Inc.'s Transmission Wizard. The service has been implemented for First California Mortgage Company, one of First Collateral's larger clients. Transmission Wizard enables First California to send their loan applications securely via the Internet, as opposed to faxing and re-entering loan application data. Using the program, First California will be able to obtain later loan application deadlines. By greatly decreasing fax and paper handling time, and by reducing errors, they will substantially lower their cost of operations.

Patrick Weaver, Senior Vice President, Relationship Management at First Collateral, said "First Collateral has been preparing for a B2B drive for some time. We are very excited that our strategic vision is being realized and our relationship managers are very happy to have the Transmission Wizard set of tools available to their brokers and bankers. Going B2B will result in significant cost and time savings to us. Transmission Wizard will enable us and our brokers and bankers to do more business at lower costs. DataDialect has already begun working with some of our other clients and we expect an extensive rollout very soon."

John Smith, CEO of First California, said, "Transmission Wizard was very easy to implement and didn't stop our workflow at all. Our brokers have been asking to be able to do this for some time now. Everyone on our team is very excited about the later loan application deadlines. We are confident that we are going to reap the rewards immediately." Montell Synder, President of DataDialect said, "We are very happy to be working with First California and other initial customers on their implementation of Transmission Wizard and are looking forward to working with First Collateral on a rollout to the rest of their customers."

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About First Collateral Services, Inc.

First Collateral is a wholly owned subsidiary of The Citigroup (NYSE:C) -- one of the largest financial institutions in the United States with assets over $900 billion. The company, founded in 1985, focuses on providing warehouse lines of credit for residential mortgages to the mortgage industry. Its growth over the years has been extraordinary. Currently it serves more than 300 lenders nationwide and its total commitments exceed $3 billion. Last year the company funded $35 billion in residential mortgages. For more information on First Collateral, please visit www.firstcollateral.com.

About Data Dialect, Inc.

Data Dialect provides cost-effective, customized software solutions to small and medium-size enterprises (SME's). Many businesses purchase commercial off-the-shelf software that only partially fulfills their needs. Then, they spend many hours manually configuring the software to function as they need it to. Using their proprietary technology and methodology, Data Dialect is able to offer cost-effective data management solutions to SME's, enabling them to be more competitive. Data Dialect is a leading provider of data portability software for the mortgage industry. Their founders have over 30 years of cumulative data management and information security experience, and their spearhead product, Transmission Wizard, was developed specifically for mortgage processing. For more information on Data Dialect, please visit www.DataDialect.com

About First California Mortgage Company

First California Mortgage Company was originally founded in 1977 as a California based mortgage banker, funding more than $450 billion in residential loans to date in California and nationally as Mortgage Service America. During 1977 to 1995, the company provided loans to more than 180 builders in more than 2,000 new home subdivisions throughout the western United States. In 1986, First California Mortgage Company expanded its operations and opened a wholesale division called Headland Mortgage, which it sold in 1999 (currently Greenpoint Mortgage). By 1993, First California Mortgage and Mortgage Service America employed more than 2,500 employees in more than 108 offices across 42 states and was the largest privately held mortgage company in the United States. In 1995 First California Mortgage sold its retail loan servicing and origination operations to GMAC (currently Homecomings Financial).

In 2003, First California Mortgage Company reopened its doors to service the 9 Bay area Counties in Northern California. The history and proven strength of First California Mortgage Company is invaluable in today's operations as they continue after more than 25 years of service to originate residential, commercial and income property mortgage loans. For more information, visit www.FirstCaliforniaMortgage.com.