About HSH Associates:

HSH™ Associates is the only totally independant, non-government information resource for consumer loan information. HSH is a financial publisher; we do not make, broker, or have any direct interest in the making of loans, deposits, or other financial information.

HSH conducts weekly telephone surveys of over 2,000 lending institutions, and is the nation's largest publisher of residential mortgage data and other consumer loans.

A division of privately held Payler Corporation, HSH was founded in 1979.

Our Clients:

Our clients include national broadcast and print media, federal and state agencies including FDIC, HUD, state banking departments, news media, the nation's largest banks and mortgage lenders, and many others. A partial list of our current clients is attached.

Media:

HSH Associates is recognized by the nation's leading media as an objective, accurate and unbiased source of consumer lending information and is quoted regularly in MONEY Magazine, Kiplinger's Personal Finance Magazine, The Wall Street Journal, The New York Times and other premier news publications from coast to coast.

HSH is often cited whenever mortgages are a news topic, NBC's Today Show, Good Morning America, NBC's Live at Five, and other network and local television stations; on CNN, CNBC, and is presently on MSNBC's Web Site. In addition, representatives of HSH are frequently guests on talk radio and financial cable networks.

During the month of March, 2000 feature articles on HSH appeared in The Sunday New York Times (Real Estate section), Gannett's USA Weekend, the St. Petersburg Times, and others -- to name just a few.

Internet Presence:

HSH has been on the Internet since 1992, when HSH.com was first registered and went live in late 1994 when the first browsers appeared. It has several sites registered under its name, all of which are designed, maintained and operated by HSH InternetServices, which was founded in 1996 as a separate division of Payler Corporation.

Today, HSH Internet Services is an experienced Internet Service Provider, hosting a wide variety of business applications and Web sites using database-driven applications and complex multi-site Intranets. One of the special features of HSH Internet Services is LiveEdit, an HSH proprietary product which enables clients to enter and update Web sites directly from any computer, without using FTP (file transer protocol) or other difficult technical procedures.

HSH consistently ranks in the top 10 or 20 positions on most major search engines under the search term "Mortgage Rates", and has driven as many as 1,000,000 unique visitors per week to their site following exposure on national TV and print media.

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