Premier Mortgage Announces Appointment of New Directors to the

 Board and New Officers of the 
Business Editors  
NEW WINDSOR, N.Y.--(BUSINESS WIRE)--Nov. 9, 2001--Premier Mortgage 
Resources, Inc. (OTCBB:PMRS) today announced the appointment of four 
new directors and the re-election of one director to its Board, three 
of which will also hold positions as officers of the Corporation.  
Appointed to the Board of Directors of Premier were:  
William Better, a real estate attorney who has been involved in 
the development of a municipally sponsored industrial park and has 
been a director of a public/private development corporation. He is the 
Vice President and General Counsel of a real estate development 
concern. Mr. Better was also appointed as a Vice President of Premier.  
Joseph Cilento, President, Chief Executive Officer, Chief 
Financial Officer of Premier since November of 1999. Mr. Cilento 
previously served on the Board of Premier and was re-elected. Mr. 
Cilento is a Certified Public Accountant. Mr. Cilento has over 15 
years experience in the mortgage banking industry. Mr. Cilento was 
also appointed as Treasurer and elected as Chairman of the Board of 
Stan Cipkowski, President, founder and a member of the Board of 
Directors of American Bio Medica Corporation (NASDAQ:ABMC), the 
manufacturer and distributor of the Rapid Drug Screen(TM), an on-site 
test for drugs of abuse, since 1987. Mr. Cipkowski is also the 
inventor of the Rapid Drug Screen.  
Thomas McKiernan, founder and CEO of Hardstone Capital, LLC, an 
investment banking firm. Prior to founding Hardstone, Mr. McKiernan 
was a managing director at Bengur, Bryan & Company, a Baltimore based 
investment bank. He has over 20 years experience in the investment 
banking industry. Mr. McKiernan was also appointed as Secretary of the 
Richard Rozzi, a private investor in many micro-cap public 
companies. He has over 25 years of experience in investment banking, 
both as an independent, as well as with investment banking firms.  
Joseph Cilento commented, "Our management team has proven their 
ability to grow the Company and now with a strong Board of Directors 
in place, we have the support we need to further expand and take 
advantage of growth opportunities in the mortgage banking industry. I 
look forward to working with the new Board of Directors and taking 
Premier to the next level."  
About the Company  
Premier Mortgage Resources, Inc. is the parent company providing 
services and financing to its subsidiary, United National Mortgage, 
LLC. United National Mortgage is engaged in the business of mortgage 
banking and is focused on residential mortgage loans.  
Statements made in this press release, other than those concerning 
historical information, should be considered forward-looking and 
subject to various risks and uncertainties. Such forward-looking 
statements are made based on management's belief as well as 
assumptions made by, and information currently available to, 
management pursuant to the `safe harbor' provisions of the Private 
Securities Litigation Reform Act of 1995. Premier Mortgage Resources, 
Inc.'s actual results may differ materially from the results 
anticipated in these forward-looking statements as a result of a 
variety of factors, including those identified in Premier Mortgage 
Resources, Inc.'s Annual Report on Form 10-K for the fiscal year ended 
December 31, 2000 and it's Quarterly Reports on Form 10-Q filed with 
the Securities and Exchange Commission. 
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