FOR IMMEDIATE RELEASE - February 14, 2000

OINKE.COM GOES TO THE ONLINE MARKETPLACE

Company Launch Brings Businesses and Lenders Together Via Web Auction Model

IRVINE, Calif. - Oinke.com a live vertical trading exchange that matches borrowers with lenders, officially launched its Web site today. Business borrowers accessing Oinke.com can take their loan needs to auction and effortlessly reach a worldwide pool of licensed qualified lenders who bid competitively to finance business and commercial real estate loans. Oinke.com's business model empowers business owners to quickly determine the best rate and terms for a loan, while providing lenders access to a broad field of qualified borrowers.

"Oinke.com literally takes these business loans to the open marketplace via the Net," said Thomas Markel, Oinke.com's chairman and CEO. "The power of our proprietary online auction model brings borrowers and lenders together, in just a few key-strokes, to negotiate business loan rates and terms that meet each other's mutual needs."

Accessible 24-hours a day, every day of the year, Oinke.com puts savvy businesses and lenders in control of the borrowing process - in three easy steps.

For a business:
* Step one: Enter the loan request and receive a password key to OinkeVault, a proprietary technology that ensures a private, secure transaction and safeguards confidential information.
* Step two: Enter the business' information into the OinkeVault and determine the terms of the auction.
* Step Three: Click on "Hold Live Auction" to begin the bidding.

For a lender:
* Step one: Define the type of loans to finance.
* Step two: Enter the lender's information into the OinkeVault and receive an Oinke Bidder Approval Number.
* Step three: Log-in to begin bidding.

Once the borrower has selected the winning bid, the business and the lender close the deal directly using Oinke's file management system to store and retrieve due diligence documentation. There is no charge for borrowers to hold an auction or for lenders to bid on an auction at Oinke.com. Businesses that auction loans at Oinke.com will receive a free Moody's risk-score report on the business, an Integra industry comparative report on the business, and an Integra valuation report on the business. Companies that do not currently need a loan may purchase these reports for $597.00. Markel got the idea for Oinke.com in late 1997 when he helped one of the largest independent hotel owners in the United States, restructure nearly $363 million of commercial real estate loans, saving more than $7 million per year in the process.

Markel is also chairman and CEO of Virtrue Capital, a private investment firm. He previously founded Imperial Credit Advisors, Inc., the founder and advisor of Imperial Credit Mortgage Holding, Inc., one of the largest mortgage Real Estate Investment Trust's (REIT) on the American Stock Exchange. That REIT grew to more than $1.7 billion in assets from November 1995 to Aug. 1997, when Markel sold his interest. Oinke.com specializes in business and commercial real estate loans from $500,000 to $500 million and is headquartered in Irvine, California. For more information on the company, visit its Web site: www.oinke.com

Contact:
Tom Markel
Oinke.com
949-784-8700