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2.=B0=EA=C0=E7=A5=F8=B7~=AB~=BD=E8=ABH=C5A=ABO=C3=D2=A1C 3.=A8C=A6~=ABO=A6u=A6=F4=ADp500=A6h=BB=F5=AA=BA=B0=B7=B1d=B2=A3=B7~=A5=AB=B3=F5=A1C =B3=D0=B7~=BB=A1=A9=FA=B7|=A6b=A5=FE=AC=D9=A6U=A6a=B1K=B6=B0=C1|=BF=EC=A1A=BD=D0=B3t=AC=A2=A1C (=A5x=A5_=A1B=AE=E7=B6=E9=A1B=A5x=A4=A4=A1B=B9=C5=B8q=A1B=A5x=ABn=A1B=B0=AA=B6=AF=A1B=AA=E1=BD=AC) =A5t=A6=B3=A4=C0=B4=C1=A5I=B4=DA(=A4@=A6~12=B4=C1)=B1M=AE=D7=A1A=A8C=A4=EB1740=A4=B8=A1A=A7=A9=B1o=A9|=AC=FC=A1A =BB=B4=C3P=B3=D0=B7~=A1A =A5=FD=A8=C9=A8=FC=AC=FC=C4R=A6=DB=ABH=A1B=C0u=BD=E8=A5=CD=AC=A1=AB=E1=A6A=A5I=B4=DA=A1C =BF=D4=B8=DF=BC=F6=BDu=A1G =A1@0927-999-469 =A6=BF=ADx=BEn=A1@0936-496-925 =AAL=A7=D3=A9| =A1@0936-485-871 =B3=AF=C4R=AC=C2=A1@0963-178-613 =B3=AF=BF@=B7=BB =A1@0911-795-891 =A6=BF=AEa=BF=B3=A1@0911-795-891 =A6=BF=AEa=BF=B3 =AA=BE=C3=D1=B8g=C0=D9=AA=BA=AA=C0=B7|=AB=AC=BAA=A1A=AC=B0=A4=B0=BB=F2=BDa=AA=CC=AB=ED=BDa=A1A=B4I=AA=CC=AB=ED=B4I=B2{=B6H=A1H =AC=B0=A4=B0=BB=F2=A8=AF=ADW=AA=BA=A4u=A7@=ABo=A4=F1=A4=A3=A4W=A4H=AEa=BB=B4=C3P=A4u=A7@=AA=BA=A6=AC=A4J=A6h=A1H =C0=B4=B1o=C6[=A9=C0=A7=EF=C5=DC=A8M=A9w=B1z=AA=BA=A5=BC=A8=D3 !! ps.=B7q=BD=D0=B1N=B3o=A4@=ABh=C1=C8=BF=FA=B8=EA=B0T=A1A=C2=E0=B1H=B5=B9=B7Q=C1=C8=BF=FA=AA=BA=AAB=A4=CD=A1A=C1=C2=C1=C2=A1C =A5x=C6Q=A5=CD=A7=DE=B3=BB=AF=C5=BD=A6=AD=EC=B3J=A5=D5=A8=C8=ACw=C1`=B8g=BEP=A6=E6=BEP=B1=C0=BCs=AAA=B0=C8=BA=F4 From sectorwatch@datacast.prserv.net Wed Mar 31 19:40:06 2004 Return-Path: X-Original-To: sethb@panix.com Received: from dd-b.net (gw.dd-b.net [63.224.10.74]) by mail3.panix.com (Postfix) with SMTP id BE0259851D for ; Wed, 31 Mar 2004 19:40:04 -0500 (EST) Received: (qmail 25369 invoked by uid 551); 1 Apr 2004 00:40:02 -0000 Delivered-To: minicon-hotel@minicon.mnstf.org Received: (qmail 25354 invoked from network); 1 Apr 2004 00:40:01 -0000 Received: from unknown (10.0.0.200) by 10.0.0.205 with QMTP; 1 Apr 2004 00:40:01 -0000 Received: (qmail 1085 invoked by uid 101); 1 Apr 2004 00:37:50 -0000 Received-SPF: neutral (ns2: 63.249.95.37 is neither permitted nor denied by domain of sectorwatch@datacast.prserv.net) Received: from [63.249.95.37] (HELO mail.cruzio.com) (63.249.95.37) by ns2.dd-b.net (qpsmtpd/0.26) with SMTP; Wed, 31 Mar 2004 18:37:50 -0600 Received: from mx2.prserv.net (dsl3-63-249-85-151.cruzio.com [63.249.85.151]) by mail.cruzio.com with SMTP id i310Ye6p052402; Wed, 31 Mar 2004 16:34:40 -0800 (PST) Message-ID: <000077d632d0$000048fe$00007862@mx2.prserv.net> To: From: "InvestorRelations" Subject: Before the Bell: (FCFK) Low Rates Fueling Market. Date: Wed, 31 Mar 2004 18:34:41 01800 MIME-Version: 1.0 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Reply-To: sectorwatch@datacast.prserv.net X-Priority: 1 X-MSMail-Priority: Normal X-Mailer: QUALCOMM Windows Eudora Version 5.1 Sensitivity: Private X-MimeOLE: Produced By Microsoft MimeOLE V5.00.2919.6600 X-SMTPD: qpsmtpd/0.26, http://develooper.com/code/qpsmtpd/ Special Edition

= Special Edition of The Savvy Investor

Each = month The Savvy Investor analysts study, research, and examine hundreds of = stocks, in an effort to pinpoint the one with the most promise. Special Edition Pick: First Chesapeake Financial Corp. Sym= bol: FCFK= Recent Trading Range: $.29 - $.33 Near Term Rating: Market Outperform=
*In Related News:*
Low rates signal another round of refinancing. Bolstered by the low rates= , lenders have been raising their projections for the year. More.. The great American rate chase has heated up again. Average 3= 0-year rates have hit seven-month lows of 5.58 percent. More.. = The Federal Open Market Committee of the U.S. Federal Reserve kept intere= st rates unchanged Tuesday, declaring that "though job losses have slow= ed, new hiring has lagged," indicating no plans for any rate increases in th= e near future. More.. =
= Financial Analysis
$1,000,000.00 = funded in latest round of financing. Total assets increased +118= % from last year from $5,527,931 at December 31, 2002 to $1= 2,090,479 at September 30, 2003. 13 = active regional offices in seven states. Expansion applications pending in additional states. =

Corporate Profile

First Ch= esapeake Financial Corp., incorporated in 1992, is a financial services comp= any providing residential mortgage products and related services to its= customers through its wholly owned mortgage banking subsidiaries. <= /font> The Company's strategy is to offer a full range of mortgage products to borrowers= of various credit levels and distribute these loans in a risk averse m= anner through either bulk secondary market sales, loan sales to specific = institutional investors, or brokering to niche investors. Through this strategy, the Company anticipates pro= fitability and continued expansion with reduced exposure to interest rate and = credit risks. Reta= il operations originate loans directly from the consumer, while wholesale operations provid= e an efficient market for mortgage loans originated by its retail operat= ions, as well as loans purchased from third party originators.

<= P CLASS=3D"c8">Analyst <= font face=3D"Arial">Conclusion

&nbs= p; We believe that the whole market is in a period of adjustment so = it is more important to find stocks with strong fundamentals that are attractively priced. Mortgage lenders, while not very sexy,= have very strong balance sheets.

This looks like an explosive company with great potential based o= n strong fundamentals. Rock bottom rates are driving demand for all= of its products and the company is quickly expanding into new locations.

For home sales, S= pring is king and Americans will be lining up to take advantage of the lowest interest rates in recent history. These low rates will= draw buyers and positively impact First Chesapeake's bottom line.

Editing Chairman

&nb= sp;

= voluntary disclosure change email = preferences

From vparks_og@stalzer.de Wed Mar 31 19:45:34 2004 Return-Path: X-Original-To: sethb@panix.com Received: from email.peaktime.fr (unknown [200.106.115.218]) by mail1.panix.com (Postfix) with SMTP id 3096848748; Wed, 31 Mar 2004 19:45:25 -0500 (EST) Message-ID: <134601c41812$32d4210d$14669aef@email.peaktime.fr> From: "Vince Parks" To: sethb@panix.com, seth@panix.com, sesmyth@panix.com, sethbook@panix.com Subject: Mortgage rates- as low as 2.9% ztlqmndeny Date: Thu, 01 Apr 2004 17:52:03 +0000 MIME-Version: 1.0 X-Priority: 3 X-MSMail-Priority: Normal X-Mailer: Microsoft Outlook Express 6.00.2800.1158 X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2800.1165 Content-Type: text/html Content-Transfer-Encoding: 8bit
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From jimmy@portugalnet.com Wed Mar 31 19:47:02 2004 Return-Path: X-Original-To: sethb@panix.com Received: from ool-4353074b.dyn.optonline.net (ool-4353074b.dyn.optonline.net [67.83.7.75]) by l2mail1.panix.com (Postfix) with SMTP id 43646B30B; Wed, 31 Mar 2004 19:47:00 -0500 (EST) Received: from [129.2.146.103] by ool-4353074b.dyn.optonline.net with SMTP; Fri, 02 Apr 2004 06:39:03 +0600 Message-ID: From: "Ross Ali" Reply-To: "Ross Ali" To: ssk@panix.com Subject: weekly credit card report N796221841690 Date: Fri, 02 Apr 2004 06:39:03 GMT X-Mailer: Microsoft Outlook Express 5.00.2919.6700 MIME-Version: 1.0 Content-Type: multipart/alternative; boundary="B052BA86CB..6FD.7_" X-Priority: 3 X-MSMail-Priority: Normal --B052BA86CB..6FD.7_ Content-Type: text/html; Content-Transfer-Encoding: quoted-printable spectroscope sylow = terminablewade ward heliocentricligand = moo pedigree

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