For Immediate Release

Canadian Delinquent Debt Portfolio in Excess of $110 Million - Sold!

SCORE Statistical Consulting announced on January 3, 2001 one of the largest sales of a delinquent debt portfolio, in Canadian history. The portfolio - in excess of $110 million was initiated and transacted by SCORE. The SCORE team served as the advisors and sale brokers on behalf of National Retail Credit Services Company, based in Toronto. Terms of the sale were not disclosed.

The purchaser is a United States based distressed asset buyer specializing in dormant receivables.

National Retail Credit Services Company leads the way in private label credit card services, managing complete private label credit card programs for some of Canada's largest retailers.

This transaction was mutually beneficial for both buyer and seller.

SCORE Statistical Consulting provides delinquent debt scoring, credit scoring and modeling consultation, strategy consultation, statistical consulting services, as well as collection and receivables management training, debt portfolio evaluation, management and sale brokerage. SCORE has become the leading resource of risk management support and brokerage advice for delinquent debt portfolios in the Canadian credit granting industry.

Since 1999, SCORE Statistical Consulting has advised on delinquent debt sales in excess of $300 million.