Amy Ritter-Mark joins the Bureau of Collection Recovery and UniversalSystems®

October 27, 2004, Minneapolis, MN - The Bureau of Collection Recovery (BCR) and UniversalSystems® today announced the appointment of Amy Ritter-Mark as vice president of Client Services & Business Development. Amy is a 17- year veteran of the credit and collections industry.

Joel Lewis, president of the Bureau of Collection Recovery and UniversalSystems® commented, "Amy's appointment is an important one for us. With significant organic and new client growth, our client's expect best in class service. Amy's experience will compliment our senior management team and add value to an already outstanding value proposition".

About the Bureau of Collection Recovery
The Bureau of Collection Recovery (BCR) is a nationally licensed, independently owned collection agency specializing in providing a variety of accounts receivable solutions to both large and small companies including pre charge-off, (first and third party), primary, and secondary account placements. BCR is headquartered in Minneapolis, Minnesota and on the Internet at www.bureauofcollection.com. Advanced in its use of technology, such as Avaya's "Mosaix" Predictive Dialing System, BCR is especially known as the developer of the UniversalSystems® Right Party Contact Solution, a patented method of vastly increasing penetration while reducing costs when using a predictive dialer.

About UniversalSystems®
UniversalSystems® deploys a unique and patented approach whereby Right Party Contact Specialists identify and distribute Right Party Contacts to a customer's best call center agents (distribution is instantaneous and unrecognized by the Right Party Contact). This approach provides substantial and measurable productivity gains and ensures live handling of calls. The UniversalSystems® Right Party Contact Solution may be deployed on an existing dialing system, or, via a dialer provided by UniversalSystems®. Visit the UniversalSystems® website at www.universalsystems.net.

For additional information please contact Joel Lewis, president, UniversalSystems® & Bureau of Collection Recovery on 952-259-1145, toll free on 1-888-276-8035, or by email joellewis@universalsystems.net.