November 7, 2002

Chandler, Ariz. - (November 7, 2002) - Golden Retriever Systems®, LLC (GRS) announced today that Service Ratings, LLC has selected GRS to provide loyalty solutions for Service Ratings' newly acquired ValueStar Real-Time Ratings® program. GRS will provide the tools necessary to track every transaction by consumers enrolled in the ValueStar program, permitting ValueStar to collect consumer feedback, publish ratings and offer guarantees on local services to consumers nationwide.

"We are delighted that Service Ratings is leveraging our industry-wide connectivity and value add services," said Craig Ludwig, president of GRS. "The ValueStar program has developed a unique approach that rewards both members and merchants, and GRS' flexible and comprehensive technology is ideally suited to support the program."

"Golden Retriever Systems will provide quality support to our ValueStar Real-Time Ratings program, and we're excited to be moving forward together", said Lou Morsberger, president & CEO of Service Ratings. "GRS offers us nearly universal coverage of card transactions, which allows us to extend our ratings and guarantees of local services to consumers across the U.S." He added, "GRS has moved quickly to help us grow the ValueStar program, and acquiring banks know it will be easy to adopt the ValueStar program given our partnership with GRS."

About Golden Retriever Systems, LLC
A leader in providing comprehensive, accurate, reliable, and cost-effective information management and reporting services, Golden Retriever Systems is the first choice of payment card and loyalty program managers. A leading provider for today's card-based loyalty programs, GRS reviews more than 6 billion transactions annually for its loyalty clients. The Golden Retriever Systems family of products and services include comprehensive database management systems and complete risk analysis and reporting. In addition, the Company can tailor its Specialty Reporting Services to meet the needs of virtually any processor, bank, or frequency program operator. Golden Retriever Systems is a wholly-owned subsidiary of Vital Processing Services®, a recognized leader in technology-based commerce enabling services. Additional information regarding GRS can be found at www.goldenretrieversystems.com.

About ValueStar
ValueStar is a leading publisher of online and printed local service directories providing confirmed consumer ratings of service businesses and professionals. ValueStar evaluates local service companies on a range of factors and uses a proprietary system to gather feedback from actual consumers. The company is owned by Service Ratings, LLC and headquartered in the Washington, DC, area, with operations in Oakland, Calif., which service consumers and businesses throughout the Bay Area.

For more information, go to www.ValueStar.com.