REX JOHNSON ADDS COLLECTIONS AND BUSINESS DEVELOPMENT EXPERTS TO CONSULTING TEAM

ELGIN, Ill., March 6, 2006 - Lending Solutions Consulting Incorporated (LSCI) has enhanced its risk-based lending program with the addition of two new lending professionals to its consulting team.

Joining LSCI as consultants are Celeste Cook and Karin Brown. "Both of these highly qualified professionals bring to our organization and clients extensive experience and a record of success in the field," states Rex Johnson, founder of LSCI and an expert in the lending industry. "Their methods, insight and strategies will give our clients the direction and tools they are seeking to expand their business opportunities and improve their collections efforts and performance."

Celeste Cook has 25 years of business development expertise and management experience in the financial services industry. As director of business development for the $640 million MAX Federal Credit Union of Alabama, Cook developed more than 40 business partnerships in less than one year through an aggressive business development program that she instituted. Commenting on her accomplishments at MAX FCU, D.G. Maxwell, vice president of marketing at the credit union, says, "I believe it was Celeste's tenacity, her ability to think outside the box and her passion to find ways to remove barriers, open doors of opportunity and build strong relationships that led to our huge success in business development. Her efforts resulted in the recruitment of Hyundai Motor Manufacturing of Alabama (HMMA), one of the largest auto-manufacturing plants in the state, as a business partner. I think what is most impressive is that she competed against Wachovia Bank, which had an onsite branch at the HMMA plant, and was able to recruit more than 50 percent of the employees at HMMA to MAX. During the second year of her business development program, our deposits grew by 652 percent and loans increased by 214 percent."

Through University of Lending courses, onsite consulting and training, and contracted management services, Cook will provide credit unions with a systematic approach to increase their revenue and membership through SEGs, business partnerships and the business community. She will instruct clients on how to build a successful, relationship-focused, business-development program.

Spearheading LSCI's collections program will be Karin Brown, a 28-year veteran in the collections and fraud management industry. As vice president of collections for VyStar Credit Union in Florida, Brown lowered the organization's delinquency rate by 30 percent within the first eight months of her tenure. Her collections expertise impressed VyStar CU Senior Vice President of Lending Kathy Bonaventura, who notes, "Karin brings a dynamic approach to collecting. She not only considers the tried-and-true methods used for years, but she challenges staff to be open to new approaches, ideas and concepts. She brings energy and enthusiasm to her work."

Also, under Brown's leadership at Alliant Credit Union in Chicago, the nation's sixth largest credit union, the institution was ranked sixth nationally in December 2004 for the lowest delinquency rate among the top 25 credit unions. That same month, Brown's collections efforts resulted in delinquency results of .25 percent and a net charge-off ratio of .25 percent, more than 50 percent better than industry/peer group averages. Additionally, Brown established the collection department for the $650 million Baxter Credit Union in Illinois, achieving delinquency results of .28 percent.

Brown's responsibilities at LSCI will encompass onsite collections consulting and portfolio analysis. Customized evaluations of collections methods, operations and lending policies by Brown will identify clients' deficiencies, strengths and improvement opportunities. Following her consultation, clients will receive recommendations, staffing guidelines and a comprehensive collections strategy tailored to their organization.

According to Johnson, LSCI's newest consultants will enable the company to address clients' growing demand for alternative growth strategies and better collections practices. "A sizable number of our clients are struggling with diminished growth potential and ineffective collections departments that are draining profits," comments Johnson. "This year, Lending Solutions Consulting has enhanced its collections, indirect and business-development strategies to help them meet these new challenges with a more focused, proven approach."

Lending Solutions Consulting (LSCI) Incorporated is a subsidiary of Lending Solutions Incorporated, founded in 1994 by lending expert Rex Johnson. The company provides consultation, training and education on the fundamentals of risk-based lending through the University of Lending; onsite consulting; its online lending advice site, www.rexcuadvice.com; and instructional videos and books. LSCI's mission is to help credit unions achieve a higher level of lending success and member satisfaction.