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HCP Retained by Community Banks Online for National Brand Rollout.

Ocala, FL - (March 19, 2004) - HCP & Associates was retained today by Ocala-based Mortgage Corporation Taylor, Bean & Whitaker for marketing consulting services. The majority of the consulting will deal with their #1 brand - CommunityBanksOnline (CBO) and a national rollout. HCP & Associates has had a very successful relationship with other financial clients such as Raymond James Financial and PSCU Financial Services.

The CBO brand was developed by Taylor, Bean & Whitaker in order to streamline the loan origination process by utilizing Internet-based technologies. CBO combines technology with TBW’s operation resources, creating a winning proposition for community banks.

With $7 billion in annual production, and over $400 million in assets, TBW has the financial resources to provide quality products and outstanding service to community banks.

Combining speed and efficiency of the Internet with mortgage transaction technologies, CBO expedites loans more quickly. Online features offered through the system include, loan registration, rate lock, automated underwriting, FastFAX (loan imaging system) and TBDocs, our online closing document feature. TBDocs gives you expedited closing power. Close loans and order funds ONLINE at your convenience by generating closing documents directly from CBO. LIVE Loan Status is available on YOUR loans through the site, providing continuous underwriting communication.

For more information on CBO, visit their Web site at www.cbobanks.com.