Small Business Loan Source to Use Edgeware Analytics' ScoreEdge and Oscore Small Business Credit Scores to Improve Loan Origination Decisions

Market Wire, August, 2006

Edgeware Analytics, Inc., an innovative provider of decision tools for small business lenders, has announced today that Small Business Loan Source, LLC (SBLS) is relying on the ScoreEdge(TM) and Oscore(TM) small business loan decision models to improve origination decision accuracy.

ScoreEdge is an online, real-time decision tool that provides greater insight into the risk of loan approvals. Edgeware Analytics developed the statistical model by analyzing thousands of SBA and Conventional loans and their subsequent performance. ScoreEdge examines the same application time data available to the loan officer and returns a three digit score that helps predict the loan's future performance.

Oscore complements SBLS' traditional due diligence techniques by providing an objective, data-driven evaluation of the most critical components of the lending decision -- assessing borrowers' management. The Oscore Management Assessment is delivered in the form of a questionnaire that can be conveniently completed by applicants in less than ten minutes. Answers are scored by Edgeware's proprietary algorithm yielding an empirical management assessment score that is statistically proven to predict future loan performance. Oscore's patent pending credit psychometry technology provides lenders the first truly objective assessment of management, a critical factor in loan performance previously assessed only subjectively.

"We are continuously searching for new technologies to improve our lending operations," said John Schulte, President and Chief Operating Officer of Small Business Loan Source, LLC. "I expect Edgeware's decision models -- ScoreEdge and Oscore -- to give us additional risk insight, and with it, reason to say yes to worthy business borrowers."

"Edgeware is very excited that Small Business Loan Source has chosen us as their decision model provider," said Mike Rozman, President of Edgeware Analytics. "SBLS is one of the largest originators of SBA loans in the United States and we are proud to assist with their strategic growth objectives."

About Edgeware Analytics, Inc.

Edgeware Analytics, Inc., an innovative provider of customized and generic decision tools to lenders, combines expertise in statistical modeling and credit evaluation to create profit-enhancing predictive models. Used by national lenders, certified development companies and community banks; Edgeware's ScoreEdge(TM), ScoreEdge504(TM), and Oscore(TM) products work in conjunction with a lender's established underwriting procedures to measurably improve the accuracy of small business lending decisions. Additional information can be found at: www.EdgewareAnalytics.com .

About Small Business Loan Source

Small Business Loan Source, LLC (SBLS) is a nationally licensed, direct SBA Non-Bank Lender specializing in 7(a) lending. Based in Houston, TX, they are authorized to make loans nationally. As a non-bank, their sole business is originating, funding and servicing SBA loans with their own capital. They are owned by First Bank, Inc., St. Louis , MO, one of the largest privately-owned bank holding companies in the United States. Additional information can be found at: http://www.sbls.com/ .

Contact: Mike Rozman 888-672-6730 Email Contact