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To: timers who wrote (393)	3/1/1999 7:42:00 AM
From: mikekell	Respond to of 525

Virtuallender.com, Inc. Announces New Strategic Affiliations with Beyond.com and Others SAN BRUNO, Calif.--(BUSINESS WIRE)--March 1, 1999--Virtuallender.com, Inc. (OTCBB:VLDC - news) announced today the Company's participation in three key affiliate programs. Virtuallender.com, Inc. now offers mortgage related software through Beyond.com (NASDAQ:BYND - news) business and real estate magazines through enews.com (The Electronic Newsstand, Inc.), and the Next Card(TM) Visa, through Next Card(TM) and Heritage Bank of Commerce (NASDAQ: HTBK - news) . In addition, Virtuallender.com currently offers mortgage related books through Amazon.com (NASDAQ:AMZN - news). Carol Pizzo, President/COO, stated, '' Our participation with these established programs add continued benefits for our users who are looking for these value added services. With our recent Letter of Intent with Homesmart.com, we plan to provide one-stop shopping for our borrowers.'' Virtuallender.com, benefits consumers by providing a faster, flexible, more complete online mortgage solution, avoiding the frustration, delays and cost of the traditional mortgage process while providing the traditional ''bricks and mortar'' mortgage business that consumers and realtors have traditionally utilized. The Company recently signed a Letter of Intent with HomeSmart.com, a web publication that serves both consumers and the real estate industry through a comprehensive real estate Internet site. According to estimates by James Marks, Deutsche Bank Securities Analyst, the online mortgage industry is set for explosive growth, with projections topping $60 billion by the year 2000. For more information on Virtuallender.com, Inc. please visit virtuallender.com. Statements regarding financial matters in this press release other than historical facts are ''forward-looking statements'' within the meaning of section 27 A of the Securities Act of 1933, Section 21 E of the Securities Exchange Act of 1934, and as that term is defined in the Private Securities Litigation Reform Act of 1995. The Company intends that such statements about the Company's future expectations, including future revenues and earnings, and all other forward-looking statements be subject to the safe harbors created thereby. Since these statements (future operational results and sales) involve risks and uncertainties and are subject to change at any time, the Company's actual results may differ materially from expected results. --------------------------------------------------------------------------------