<><><><><><><><><><><><><><><><><><><><><><><><><> NOVEMBER 12, 2001 - THE WALLSTREET UNIVERSE REPORT <><><><><><><><><><><><><><><><><><><><><><><><><> Dear Investors, We would like to introduce you to EMB Corp. (EMBI - OTC:BB), a financial services holding company which provides a network to mortgage brokers, both retail and wholesale through its wholly owned mortgage companies. As interest rates continue to decline the demand for mortgages and re-financings has skyrocketed. EMB Corp. is projecting $600 million of new business, revenues of approximately $8,000,000 and net profit of $800,000. This comes out to $0.04 cents per share earnings based on approximately 20,000,000 shares issued and outstanding and fully diluted at that time. These projections do not include any future acquisitions the company is looking to pursue. Please read the full profile and disclaimer below. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ABOUT EMB Corp. (EMBI - OTC:BB) ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ EMB Corp. is a financial services holding company, which provides a network to mortgage brokers, both retail and wholesale through its wholly owned mortgage companies, currently including American National Mortgage, and First Guaranty Financial Corp. Mortgages originated by its group of companies may be held temporarily for investment, or may be sold to third parties/financial institutions, or may be secured, packaged, and sold as mortgage backed securities. It is also the EMB Corp's intention to provide financing and/or purchase other business that are or can be profitable that may not be related to the mortgage or real estate business, but will enhance shareholder equity. <><><><><><><><><><><><><><><><><><><><><> - Shares Outstanding: 16,000,000 - Float (Est): 3,600,000 - 52 week High: $0.50 - 52 week Low: $0.001 - Friday's Closing Price: $0.28 - Website: http://www.embcorporation.com - Contact Info: EMB@EMBCorp.net <><><><><><><><><><><><><><><><><><><><><> ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ MARKETING AND SALES ACTIVITIES ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ + Through its well-organized plan for marketing and sales activities the Company has the opportunity to become a key player in the mortgage real estate lending industry. Specific sales and marketing activity include: + Solidifying the Company's mortgage business through geographic market expansions. Initial focus includes growing and expanding targeted markets (mortgage brokers, real estate brokers and credit unions) in already established geographic areas of the state of California and subsequently the nation. + To solidify newly initiated commercial mortgage business. + To subsequently begin operations on the Company's title insurance business for closings related to mortgage products. + To acquire additional mortgage-related companies that will improve and enhance the Company's revenues over the long range. + To also acquire additional ancillary financial services companies that can improve and enhance the Company's revenues. + To invest in other financial services companies that will enhance the shareholder equity of the company. <><><><><><><><><> AD <><><><><><><><><><> StreetInsider.com - Get Inside Wall Street! Access real-time, market moving news and rumors for only $29.99 per month. Similar services can cost you hundreds per month. 2 week free trial is available. http://www.streetinsider.com <><><><><><><><><><><><><><><><><><><><><> ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ MARKET ANALYSIS & SUMMARY ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ In a recent Louis Rukeyser’s Wall $treet Week news article, he writes about three pivotal industries that lie squarely in the path of tens of millions of increasingly affluent customers. The next wave of leading industries and players will be healthcare, financial-services, and technology stocks... companies emerging as the new Pfizer’s, Merrill Lynches, and Microsoft’s of the world. He went on to say: Financial services have come a long way since the days of the haughty loan officer, arrogant stockbrokers and dour bankers in pinstriped suits. Years of economic growth, and unprecedented bull market and democratization of all aspects of finance have reversed Wall Street’s traditional balance of power. For the first time in history, banks, insurance companies and brokerages are merging into one-stop financial shops. It is the intent of the management team of EMB to capitalize on the present market conditions surrounding financial-services, using new technology, and with these changes hopefully the company could show increased revenues and profits for the benefit of the shareholders, which is priority number one for the new management of EMB Corp..

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Wallstreet Universe is an independent electronic publication providing information on selected companies. All statements and expressions are the opinion of Wallstreet Universe and are not meant to be either investment advice or a solicitation or recommendation to buy, sell, or hold securities. Investing in micro-cap securities is highly speculative and carries an extremely high degree of risk. Wallstreet Universe is not a registered investment advisor or a broker dealer. It is possible that an investor's investment may be lost or impaired due to the speculative nature of the companies profiled. This report relies on information provided by the featured Companies and/or third parties. While Wallstreet Universe believes its sources to be reliable, we make no representation or warranty as to the accuracy of the information provided. Readers should not rely solely on the information contained in this publication, but should consult with their own independent tax, business and financial advisors with respect to any investment opportunity, including any contemplated investment in the advertised Company. Factual statements in this publication are made as of the date stated and are subject to change without notice. Wallstreet Universe is not responsible for any claims made by the Company. We have prepared this report, drawing upon a range of public news, the company's website and information from sources in the industry, as well as data and opinions provided by the company. Wallstreet Universe has not independently verified the Company's representations. Any opinions expressed in this report are statements of judgment as of the date of publication. We urge readers to carefully verify all presentations within the report independently. The receipt of this publication shall not create, under any circumstances, any implication that there has been no change in the affairs of the company profiled since the date of review. This advertisement does not provide an analysis of the Company's financial position. Wallstreet Universe was paid up to $2000 for this report by The Street Insider. Furthermore, associates of Wallstreet Universe may have stock positions on profiled companies from time to time. We may profit in the event the shares of the Company profiled by us increase in value. These positions may be liquidated from time to time even after we have made positive comments regarding the Company. The receipt of this information constitutes your acceptance of these terms and conditions. SAFE HARBOR FOR FORWARD-LOOKING STATEMENTS: Except for historical information contained herein, the statements on this website and newsletter are forward-looking statements that are made pursuant to the safe harbor provisions of the Private Securities Reform Act of 1995. Forward-looking statements involve known and unknown risks and uncertainties, which may cause a company's actual results in the future periods to differ materially from forecasted results. These risks and uncertainties include, among other things, product price volatility, product demand, market competition and risk inherent in the companies operations. You can identify these statements by the fact that they do not relate strictly to historical or current facts. They use words such as "anticipate," "estimate," "expect," "project," "intend," "plan," "anticipate," "guess," "think," "hear," "suggest," "believe" and other words and terms of similar meaning in connection with any discussion of future operating or financial performance.

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