CONTENTS || CORPORATE LISTING

Market Street Mortgage Corporation
CUB Funding Corporation


Highlights


Market Street Mortgage Corporation and CUB Funding Corporation, with headquarters in Clearwater, Florida, offer a range of mortgage loan products, including conventional, construction, FHA/VA government-insured, jumbo and sub-prime, as well as home equity products. These products are offered through a total of 62 offices in Florida, California, Alabama, Arizona, Colorado, Georgia, Illinois, Maryland, Missouri, North Carolina, Oklahoma, Pennsylvania, Texas, Utah and Virginia. Market Street Mortgage is the Number One originator of mortgages for home purchases in the Tampa, Florida area.

Market Street
Mortgage Corporation


Board of Directors
Randall C. Johnson, CMB
Chairman of the Board, President and
Chief Executive Officer
Jerry D. Campbell
Chairman and Chief Executive Officer,
Republic Bancorp Inc.
Dana M. Cluckey, CPA
President and Chief Operating Officer,
Republic Bancorp Inc.
Michael H. Dillon, CPA
Executive Vice President,
Secondary Marketing
T. Donnell Smith, CMB
Executive Vice President, Production

Officers
Randall C. Johnson, CMB
Chairman of the Board, President and
Chief Executive Officer
T. Donnell Smith, CMB
Executive Vice President, Production
Michael H. Dillon, CPA
Executive Vice President, Secondary Marketing
James B. Capps
Senior Vice President, Mid-Atlantic Division Manager
Tracy S. Jackson, CPA
Senior Vice President, Chief Financial Officer,
Treasurer and Secretary
Nancy A. Jones
Senior Vice President, Loan Administration
Barbara VanAntwerp
Senior Vice President, Western Division Manager
Sally E. Stubbs, Esq.
Vice President and Chief Compliance Officer
Nancy J. Weaver
Vice President, Human Resources and Marketing

Vice Presidents
Betty Ann Armstrong
Anna Y. Agee
Anthony J. Agliardi, CPA
Barry W. Carroll
Jerry F. Cobbe
Joy C. Douglas
Deborah L. Drake
John A. Draper
Charles D. Feisal
Timothy J. Hawkes
Richard J. Imming
Barbara J. Jenkins
Kevin W. Kennedy
Patrick J. Mahoney
Patricia K. McCabe
Stephen H. McLaughlin
Richard A. Munch
Brian J. Murphy
Charles R. Pelton
JoAnn Schuler Perry
Sandra K. Pettinger
Brian W. Prentice
Lauren C. Reed
Charles W. Richardson
Neal B. Saxon, Jr.
Timothy A. Slone
Gene F. Swindle
Matthew L. Wardlow
John M. Welsh
Frank L. Wolff


Office Locations
2650 McCormick Drive
Suite 200
Clearwater, FL 33759
(727) 724-7000
915 Oakfield Drive
Suite A
Brandon, FL 33511
(813) 681-7700
871 W. Bloomingdale Ave.
Brandon, FL 33511
(813) 655-7777
8695 College Parkway
Suite 322
Ft. Myers, FL 33919
(941) 433-2934
3620 NW 43rd Street
Unit F
Gainesville, FL 32606
(352) 336-7766
100 South Lawrence Blvd.
Keystone Heights, FL 32656
(352) 473-1020
11701 Belcher Road South
Suite 110
Largo, FL 33773
(727) 539-8300
2500 Maitland Center Pkwy.
Suite 402
Maitland, FL 32751
(407) 875-6900
11440 N. Kendall Drive
Suite 301-305
Miami, FL 33176
(305) 596-1640
2059 Trade Center Way
Naples, FL 34109
(941) 596-0500
8726 S.R. 54
Suite E
New Port Richey, FL 34653
(727) 539-8300
4362 Northlake Boulevard
Suite 211
Palm Beach Gardens, FL 33410
(561) 776-8505
One Florida Park Drive North
Suite 104
Palm Coast, FL 32137
(904) 447-4242
9050 Pines Boulevard
Suite 100
Pembroke Pines, FL 33024
(954) 438-6600
698 Brent Lane
Pensacola, FL 32503
(850) 479-7991
1321 13th Street
St. Cloud, FL 34769
(407) 891-1100
300 31st Street North
Suite 329
St. Petersburg, FL 33713
(727) 321-4439
4144 Central Avenue
St. Petersburg, FL 33711
(727) 327-8660
13700 Park Boulevard North
Seminole, FL 33776
(727) 398-9900
527 Beville Road
South Daytona, FL 32119
(904) 322-0228
3550 Buschwood Park Drive
Suite 150
Tampa, FL 33618
(813) 932-4578
3802 Ehrlich Road
Suite 311
Tampa, FL 33624
(813) 961-6694
205 South Hoover Boulevard
Suite 105
Tampa, FL 33609
(813) 286-8700
5405 Okeechobee Boulevard
Suite 305
West Palm Beach, FL 33417
(561) 712-1062
6719 Taylor Circle
Unit B
Montgomery, AL 36117
(334) 277-9011
1255 W. Baseline Road
Suite 184
Mesa, AZ 85202
(602) 897-7447
8800 N. Gainey Center Drive
Suite 150
Scottsdale, AZ 85258
(602) 596-0735
500 East Fry Boulevard
Suite L9
Sierra Vista, AZ 85635
(520) 458-8523
6303 East Tanque Verde
Suite 101
Tucson, AZ 85715
(520) 751-0071
7850 Vance Drive
Suite 190
Arvada, CO 80003
(303) 424-6993
6025 Erin Park Drive
Suite C
Colorado Springs, CO 80918
(719) 266-5500
6025 South Quebec
Suite 120
Englewood, CO 80111
(303) 721-1120
214 8th Street
Suite 210
Glenwood Springs, CO 81601
(970) 945-7200
606 Mountain View Avenue
Suite 2
Longmont, CO 80501
(303) 772-4400
175 Capital Boulevard
Suite 100
Rocky Hill, CT 06067
(860) 571-9170
1450 54th Street
Suite A
Columbus, GA 31904
(706) 324-0074
300 Chastain Center Boulevard
Suite 301
Kennesaw, GA 30144
(770) 795-0886
23 Eastbrook Bend
Suite 205
Peachtree City, GA 30269
(770) 631-4000
308 Mallory Street
Suite B
St. Simons Island, GA 31522
(912) 634-5771
344 Corder Road
Warner Robins, GA 31088
(912) 328-6660
19350 South Harlem Avenue
Suite 200
Frankfurt, IL 60423
(708) 403-5663
1211 West 22nd Street
Suit 529
Oak Brook, IL 60523
(630) 990-1310
1300 E. Woodfield Road
Suite 506
Schaumburg, IL 60173
(847) 706-9411
3901 National Drive
Suite 210
Burtonsville, MD 20866
(301) 989-8500
18223-A Flower Hill Way
Gaithersburg, MD 20879
(301) 670-5660
2701 Coltsgate Road
Suite 101
Charlotte, NC 28211
(704) 365-9044
4200 Perimeter Center
Suite 220
Oklahoma City, OK 73112
(405) 942-1200
217 West 5th Street
Suite 5
Stillwater, OK 74074
(405) 377-2754
16591 Susquehanna Trail S.
New Freedom, PA 17349
(717) 235-8889
2647 Carnegie Road
York, PA 17402
(717) 840-8833
8200 Brookriver Drive
Suite N-703
Dallas, TX 75247
(214) 631-1810
917 East Country Hills Drive
South Ogden City, UT 84403
(801) 392-6160
7611 Little River Turnpike
Suite 502W
Annandale, VA 22003
(703) 941-6600
3998 Fair Ridge Drive
Suite 200
Fairfax, VA 22033
(703) 359-0100

CUB Funding Corporation

Officers
Randall C. Johnson, CMB
Chairman of the Board and
Chief Executive Officer
Daniel M. LuVisi
Vice Chairman and President
T. Donnell Smith, CMB
Executive Vice President,
Production
Michael H. Dillon, CPA
Executive Vice President,
Secondary Marketing
Harry A. "Bud" Blank
President,
Leader Financial Division
Tracy S. Jackson, CPA
Senior Vice President Chief Financial Officer,
Treasurer and Secretary
Nancy A. Jones
Senior Vice President,
Loan Administration

Nancy J. Weaver
Vice President,
Human Resources and Marketing


Vice Presidents
Deborah L. Drake
Barbara J. Jenkins
Neal B. Saxon, Jr.



Office Locations
26565 West Agoura Road
Suite 305
Calabasas, CA 91302-1958
(818) 880-4400
24411 Ridge Route Drive
Suite 200
Laguna Hills, CA 92653
(949) 380-8100
112 W. Homer Adams Parkway
Suite 2B
Alton, IL 62002
(618) 467-5626
702 East Highway 50
O'Fallon, IL 62269
(618) 632-1010
1659 Clarkson Road
Chesterfield, MO 63017
(314) 530-9494
386 Festus Center Drive
Festus, MO 63028
(314) 931-5626
423 S. Kirkwood Road
Kirkwood, MO 63122
(314) 965-9940
13723 Riverport Drive
Suite 104
Maryland Heights, MO 63043
(314) 770 -0288

Financing the American Dream || Corporate Profile || To Our Shareholders || Financial Highlights
Our Corporate Culture || Commercial Banking and Retail Banking || Mortgage Banking || Republic Bank
Republic Bancorp Mortgage Inc. || Market Street Mortgage Corporation || Directors and Officers
Summary of Selected Financial Data || Condensed Statements || Corporate Information || Shareholder Information