FOR IMMEDIATE RELEASE

Sale of $5.9 Million
Performing Visa®/MasterCards®
Southwest

June 30, 1999 -- Acting as a Buyer's Representative, LoanTrade Inc. is pleased to announce it located and successfully managed the acquisition of a small, high quality performing Visa/MasterCard portfolio for its client.  The Seller is a commercial bank located in the Southwest.  The Purchaser is a large U.S. international commercial bank.  60+ day delinquent and charged-off accounts were excluded from the sale. 

Tim Kirkpatrick, LoanTrade's President said "Six months ago, we handled the sale of another card portfolio for our client, a Midwestern Thrift".  The buyer of that portfolio was pleased with the transaction and asked LoanTrade if we could locate more of similar quality credit cards.  The buyer is a high quality bank which pays attractive premiums and offers agent banking relationships.  This made our job easier."