The company also enables web sites to enhance their content
offerings by delivering a CreditCommander.

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These innovative solutions and their unparalleled performance
have led to long-term partnerships with seven of the top ten banks in
America. CreditCommander.

About MicroBilt Corporation

MicroBilt, a division of Bristol Investments, Ltd.

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A series of new products enable Zoot customers
to adapt to market changes in real time.zootweb.com have access to the most
up-to-date legislative material available.

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Software used by businesses such as collection agencies and tenant screening services to manage accounts and retrieve credit bureau reports.

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"

About Zoot Enterprises

Zoot Enterprises is a leading innovator in advanced instant credit
decisioning solutions and application processing systems. For additional
information, contact Merkle at 1-888 -4-MERKLE (463-7553) or visit
www.
This is MicroBilt's first step in offering a suite of compliance
tools designed to assist business customers with compliance
regulations., is the leader
in credit bureau data access and retrieval, providing credit,
collection and data sources. This data
access is available via the Internet at www.

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This effort benefits Merkle and Zoot's joint customers in the
banking and finance industries, where the acquisition and evaluation
of credit reports and other information for consumer and business
lending are utilized. Now these joint customers will be able to
rapidly deploy Merkle's advanced predictive credit scoring models
within Zoot's Application Service Provider (ASP) decisioning
environment.com or call
406-586-5050 for more information.

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zootweb.

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Chris Nelson, Zoot Enterprises CEO, said, "The great thing about
working with Merkle is that we can now offer a much shorter
development cycle to our customers. The Merkle and Zoot product offerings are highly
complementary, and through our collaboration we are providing
companies in the financial services industry with a comprehensive
solution to support the credit decisioning process .

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com), a leading information-based database
marketing agency, today announced that it is working with Zoot
Enterprises, Inc.

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com

Capitol Advantage's software service, Capwiz , will integrate State
and Federal laws relating to the credit bureau reporting industry into
the website, and will also provide information on bills pending on
both the State and Federal level.

"MicroBilt views this as an opportunity for our customers to take
an active role in the legislative issues that face their industry",
states Ken Hill, President of MicroBilt, "and stay on top of state and
federal mandates requiring directives affecting their business.

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All attributes are
pre-tested and available through Zoot's WebRules graphical interface
to the SPOC Decision Engine.com.

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Business Editors/Technology Writers

LANHAM, Md. MicroBilt is certified through and
provides interfaces with the three consumer bureaus, Equifax
(NYSE:EFX), Experian (London Stock Exchange:GUS) and Trans Union and
the two commercial bureaus, D+B and Experian Business as well as
eFunds Corporation (NYSE:EFD) and Choicepoint (NYSE:CPS).

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(www.com) to offer faster time-to-market and
increased reliability for scoring applications for use by the
financial services sector. Merkle now serves
as the single resource for companies that require customized credit
scoring services and business analytics in order to make the best
decisions in an accelerated timeframe. Merkle serves clients spanning
a variety of industries, including financial, insurance,
catalog/retail, and fundraising.

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MicroBilt and Capitol Advantage Enhance CreditCommander.com

Capwiz provides clients with easily searchable and
comprehensive legislative data, and gives users the ability to
directly impact the political agenda of their elected officials.

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Services and solutions include
strategic marketing and consulting , business intelligence and
analytics, development and maintenance of Marketing Knowledge Centers ,
data products, and direct mail production and processing services.
Founded in 1971, the privately held corporation has more than 700
employees and is based in Lanham, Maryland."

About Capitol Advantage

Capitol Advantage's Capwiz software serves as an advocacy and
election cornerstone to more than 1,500 associations, corporations,
and nonprofits.

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merklenet.

Business Editors

WASHINGTON----MicroBilt, the leader
in credit bureau data access and retrieval, and Capitol Advantage, an
online advocacy services provider, announced they have teamed up to
enhance MicroBilt 's CreditCommander.com delivers
critical data such as credit bureau reporting, pre-employment and
tenant screening data, among other options.

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Merkle and Zoot Team to Support Financial Services Companies

"
Merkle President and CEO David Williams said, "We are excited to
be working with Zoot.

About Merkle

Merkle is a database marketing agency offering innovative
quantitative strategies to improve new customer acquisition and
customer retention to maximize results.

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----

Combined Services and Solutions Automate the Credit Decisioning
Process and Provide Predictive Models to Measure Consumer Credit Risk

Merkle (www. The data environment also supports
"champion-versus -challenger" comparisons of Merkle's analytics models
against existing production models. Their
consulting expertise and flexible software environment have
implemented the industry's most sophisticated instant decisioning
systems.

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Two customers have already taken
advantage of this joint offering and implemented a joint solution and
others have already expressed an interest.com, a
systems integration tool kit, dedicated terminals and dial-up
software.

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In addition to Zoot's existing credit characteristics , Zoot is
hosting the complete set of Merkle's data modeling attributes that can
support all types of credit product lines, including credit card
offers, home mortgage loans, and automotive loans .

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Zoot provides process automation and
automated credit decisioning, while Merkle provides advanced
predictive models that help financial services companies minimize
their credit risk by scoring customers based on their credit history. In addition, users can voice their
concern on key legislation to elected officials.CreditCommander.com private label site to
their established online communities .

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Zoot's vendor network provides real time access to key
decisioning resources, including fraud and identity verifications,
OFAC and Patriot Act compliance, consumer and business credit bureaus,
valuation and appraisal, title and flood certification, and
demographics databases. Visit www.

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merklenet. With the integrated
information, visitors of CreditCommander.

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Merkle's predictive scoring
models, paired with our ASP decisioning environment, bring a new level
of accuracy and speed to the market. In
addition , many major news sites use Capwiz to connect millions of
citizens to their elected officials and to inform them on candidates
in their districts.

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