This
effort will inform U.

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's innovative Value Stock Selector software uses your
computer to help you build solid wealth in the stock market easily and
efficiently. In
particular, the Jump$tart Coalition for Personal Financial Literacy recently
reported that only 35 percent of tested high school seniors had a basic
knowledge of financial literacy. "Addressing this issue early on
is crucial as it may prevent teens from getting deeper into debt."
SPEND SMART will be launched through a national media relations campaign
tailored to the unique needs of today's young men and women. They also provide a good starting point to reevaluate budgeting and
spending habits.

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"The best investors look for undervalued companies with low overhead costs,
long-term growth potential, solid earnings, and low debt," said Mark Hing,
president of Aptus Communications.

The campaign will
also reach students and parents on the local level through a series of school-
based educational events in select east coast cities. Godfrey is uniquely qualified as an authority on what it takes to
become a financially responsible adult.

Additional financial management tools and resources are available at
http://www .

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For more information about Champion Mortgage's products and
services, call 1-800-CHAMPION or visit champion.com(R), that provides
account access and financial products 24 hours a day.

* Evaluate credit offers: Credit card companies regularly solicit
prospective and existing customers with better terms and interest rates.

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*All loan/line of credit products are subject to credit approval. Using credit wisely can be as simple as heeding a few useful
tips about sound money management . Destroy receipts and statements before throwing them away.

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Your Credit Card Companies encourages consumers to take these steps as
part of their annual spring cleaning to improve their overall credit picture
and avoid falling victim to fraud or identity theft.

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"It only takes five minutes to learn, less time than it takes to figure out
an iPod.
"More and more young adults are falling into debt because they lack the
basic knowledge of personal finance to manage their budgets," said Michael
Cacciaguida, President of Champion Mortgage. With more than 25 years in the financial
field , Ms.
"The financial choices teens make will not only impact them today, but over
the course of their entire lives. Your Credit Card Companies Provides Advice for Tidying Up Finances

WASHINGTON, With tax season behind us, now is an
ideal time for consumers to "spring clean" their finances by taking steps to
protect and enhance their overall credit picture. Currently, only residents of the Western and Midwestern part of
the United States can access their reports for free as part of this
tiered action.

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com, by calling 1-877-322-8228 or mailing
requests to Annual Credit Report Request Service, P.

* Keep cards secure: Don't lend credit cards to anyone or leave cards or
receipts lying around, and never write account numbers on a postcard or
the outside of an envelope.YourCreditCardCompanies.

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(Money and the College Student)

- The average college student receives 15 credit card solicitations per
week.

* Review credit reports regularly: It's important to check your report at
least once a year . By September 2005, all residents of the country will be
able to access their reports for free on the Web at
http://www.annualcreditreport.

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The company's businesses deliver their products and services
through KeyCenters and offices; a network of nearly 2,200 ATMs; telephone
banking centers (1.

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com The price is just $49.
Income statements and tax forms provide a snapshot of our finances for the
past year. If you have any questions about a company, check it out
with a local consumer protection office or the Better Business Bureau.

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SPEND SMART is directed to the growing necessity for young people to
learn, practice, and enhance their basic personal finance skills. Champion(R)
recognizes this need and stands committed to providing young people with the
knowledge they need to succeed throughout life.KEY2YOU); and a Web site, Key.
Responsible users of credit have access to the best financing
opportunities. Notice
whether you 're spending more than you budgeted and reduce your spending
where you can.

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New Campaign Aims to Educate Young People About the Importance of Financial
Literacy

PARSIPPANY, N.
"It is never too early or late to learn how to spend smart," says Godfrey .

ABOUT CHAMPION MORTGAGE
Champion Mortgage, a division of Cleveland-based KeyCorp , is one of the
nation's largest retail mortgage lenders, providing lending solutions to
homeowners in 26 states. Champion
Mortgage's programs help homeowners consolidate debt, purchase homes,
refinance existing mortgages, and finance home improvements and life's other
big expenses. Track actual expenses as they are incurred. As part of the Fair and Accurate Credit Transactions
Act of 2003, Americans are beginning to have free annual access to their
credit reports under a phased rollout plan that launched in December
2004.

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Financial expert Neale Godfrey has also been enlisted to SPEND SMART as
national spokesperson to offer practical tips about the best ways to save,
budget , and spend money wisely.A.

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PRESS RELEASE Aptus Introduces Push Button Investment Software That Allows You to Easily Select Value Stocks

It's also about implementing that plan quickly and easily. Aptus
Communications Inc.

About Aptus Communications Inc. middle and high school students about responsible
money management through a series of national and local outreach efforts . Champion Mortgage's expertise in mortgage solutions
allows it to provide unparalleled one-on-one customer service, as well as the
right solutions and right loans* to best meet its customers' needs .

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It's about having a good plan.

* Track monthly spending: Design a reasonable monthly budget and do your
best to stick to it. Through its
Web site and other consumer information initiatives , Your Credit Card
Companies provides credit resources and a variety of tools that help consumers
to better understand how credit works, to understand and protect their total
credit picture and to manage debt.

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The campaign will address this alarming
statistic by teaching a broad spectrum of students the fundamentals of
earning, spending, and saving."

WHY SPEND SMART
- The typical college student owes over $3,200 on their credit cards and
almost $20,000 in student loan debt upon graduation.com)

- Employers often use a credit report when they hire and evaluate
employees for promotion, reassignment, or
retention.

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Aptus publishes books and develops software to help retail investors make
sound investment decisions.com.800.

* Record credit card information: Keep a record of your credit card
issuers' customer service department telephone numbers.

* Save, then destroy, receipts: Compare receipts with billing statements
to confirm amounts charged and evaluate whether the purchases listed are
yours.

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The Value
Stock Selector software helps identify the most likely winners and shows
you which stocks to buy, what price to pay and when to sell. Then the program automatically zeros in on winning stocks," said
Hing. Key
companies provide investment management , retail and commercial banking,
consumer finance, and investment banking products and services to individuals
and companies throughout the United States and, for certain businesses,
internationally .

It's 'Spring Cleaning' Time for Your Finances

Its members are Chase Bank USA, N.

Advice on saving money, starting your own businesses, avoiding rip-offs, and smart buying.

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Investing successfully is more than just
searching for the next hot stock tip., Champion Mortgage(R) today
announced a new initiative with Family, Career and Community Leaders of
America (FCCLA), a national non-profit career and technical student
organization, to conduct the SPEND SMART(SM) public education campaign . (Bankrate. (Young Money Magazine)

ABOUT FCCLA
Family, Career and Community Leaders of America (FCCLA) is a dynamic and
effective national student organization that helps young men and women become
leaders and address personal, family, work, and societal issues through Family
and Consumer Sciences Education.

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Value Stock Selector is available for immediate download at
http: //www.

Champion Mortgage(R) Teams Up With Family Career and Community Leaders of America on SPEND SMART (SM)

Wise Credit Card Habits
* Make payments on time: Establishing and maintaining a history of regular
payments helps improve consumer credit scores and can potentially lower
credit card interest rates.

* Use credit within your ability to repay: Creditors evaluate whether
consumers have too much credit and whether they might need to raise
credit costs.com.

Your Credit Card Companies is a group of financial services companies with
a shared commitment to value and quality service for consumers.;
Citigroup; Discover Card; MasterCard International; and MBNA.

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J. That's why I am urging teens and their
parents to avoid the perils of debt and credit card misuse by establishing
good credit from the beginning. (HSH Associates )

- More students drop out of college due to credit card debt than to
academic failure.

ABOUT KEYCORP
Cleveland-based KeyCorp is one of the nation's largest bank -based
financial services companies, with assets of approximately $84 billion. Box, 105281,
Atlanta, GA 30348-5281.

Fraud + ID Theft Prevention
* Check credit and bank statements: Ensure that there are no unauthorized
purchases or changes in your personal information.
Many companies have toll-free numbers and 24-hour service to deal with
such emergencies .

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ValueStockSelector.

* Use caution with telephone or Internet purchases: Don't give out your
credit card information over the phone or online unless you initiate the
transaction and you're comfortable that the company you're dealing with
is reputable.

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Find companies that have the best chance of long-term success and you'll
have a list of stocks that are poised to do well over time.S. If you realize
your cards have been lost or stolen, immediately call customer service.