JUSTCHEX provides online processing platform for 1st Credit of America

Full service collections and national attorney network to utilize JUSTCHEX to manage and speed access to returned checks data and realize other key benefits

Oxnard and Ontario, CA, April 5, 2004 - JUSTCHEX, LLC, ("JUSTCHEX") the company that provides online returned check recovery solutions announced today that they have completed an agreement with 1st Credit of America, a collection agency and attorney network doing business nationally. Under the terms of the agreement JUSTCHEX provides rule-based online processing (http://justchex.net) that lets 1st Credit of America offer their clients a highly efficient end-to-end solution that complements their existing call center and attorney network capabilities.

"Our company has built a very solid technology base that lets us consistently out-perform the industry indicators. After becoming aware of the JUSTCHEX solution we immediately saw how well it complemented our existing methods and how it could extend our client services," according to Anthony Cambric, Director of Operations at the Ontario, California office of 1st Credit of America. "I've seen web-based solutions that are used for passing information to a back office for partially manual processing, but this is the first time I've seen completely automated online, rule-based processing of checks in real-time."

The JUSTCHEX Internet platform is designed to give collection agencies access to the latest processing innovations and automation tools to improve collection rates while lowering the processing cost. The service is also unique in that it is configured to provide online service to small business, franchise, mid-sized, and enterprise level clients.

"We are very pleased to partner with 1st Credit of America. Our role in the partnership is to expedite and reduce the cost of their processing. Think of our service as a file clerk working at the speed of light with the capability of processing thousands of rule-based transactions per second," says Richard McShirley of JUSTCHEX.

About 1st Credit of America

1st Credit of America is a national collection agency with the integrated support of a nationwide network of specialized collection attorneys experienced in handling all consumer and commercial credit and collection-related issues. The company operates regional call centers utilizing predictive dialing and call blending supported by their Flexible Queue-Based Systems to maximize workflow. For more information about 1st Credit of America and their services call 866-547-2439.

About JUSTCHEX

JUSTCHEX is an IBM business partner that provides online access to process all returned checks for payment. JUSTCHEX works with leading banks and collection agencies nationally to provide clients with optimal solutions. Merchant registration for JUSTCHEX is free and can handle clients with one or thousands of locations. JUSTCHEX has positioned itself as a leader by listening carefully, thinking ahead, and moving with purpose to provide clients with access to the best solutions.

For more information please visit http://transmodus.net, or call us at 805-604-4472.

Contact: press@transmodus.net

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