Greetings from the President of
ALLIED Group Mortgage Company
December 1, 1998

Welcome to our pages. ALLIED Group has been on the Internet for three years, and it has been a very successful and highly used addition to our customer outreach programs. We are currently receiving over 31,000 hits a week, roughly 33% on our Rates page, 5% on our News page, and 3% on our Self-prequalification page. Our Graph and Glossary pages follow with 3% each, and the balance of our pages receive the rest of our weekly hits. It's apparent many people have bookmarked our Rates page and News page for ease of use, and you may want to do this also. Application volume continues to be steady, and applicants like the ease of using the on-line application and the quick responses received as a result of Fannie Mae's Desk Top Underwriter System.

We hope these pages continue to be a valuable reference to all our visitors, and we look forward to providing mortgage loan services to you. Remember, if you are planning on (or just thinking about) buying a new home, for just the price of a credit report, you can be preapproved for your home purchase and have a certificate of preapproval to take to your real estate broker or home seller. This provides peace of mind to you (knowing the amount of mortgage for which you qualify) and the seller and broker (knowing you are a qualified buyer). All this can be accomplished on the Internet or, if you prefer, by calling our toll free number 1-800-356-3442, extension 6030.

We are a Non-Commissioned Lender and feel this means a great deal as we pass the savings on to you. Our first interest is in serving our customers' needs followed by delivering these services to you at a reduced cost. We take pride in providing great service and very competitive interest rates and fees; it's our commitment to you to deliver this Premier Service.

Buying a home can be one of the most confusing and stressful events families or individuals undertake in their lifetime. It is our objective to make it much more pleasurable for you. It is in that aim these pages have been designed and will be kept current.

Sincerely,
Rolland K. Riley
President