CMSI and Black Book announce Partnering Agreement

For Immediate Release

CONTACT: Kevin Lutts, CMSI - VP of Sales (410)953-8403

CMSI and Black Book announce Partnering Agreement

CMSI to Provide Access to Black Book Auction Data via new service CMSI eXchange.

Columbia, MD, February 3, 2010 – Credit Management Solutions, Inc. (CMSI) and

Black Book today announced an agreement to provide CMSI eXchange an affordable, monthly valuation and analytics service for auto portfolios. CMSI eXchange will provide lenders access to timely and accurate valuation information for their portfolios.

Combining the power of CMSI’s decision engine technology with Black Book’s trusted asset data, CMSI eXchange is a powerful, easy-to-use business intelligence tool for Consumer Lending, Collections and Portfolio Managers. Using CMSI’s decision engine and advanced business intelligence dashboards, automobile lenders will be able to view and analyze the effect of changing asset values on their portfolio on a monthly basis.

“Having actionable insight into portfolio performance and independent, timely data on underlying collateral value is more important for auto lenders now than ever before”, said Black Book President, Tom Cross.

“Working with CMSI allows us to provide that independent, data to lenders in a very accessible and affordable way. Rather than getting values annually, the portfolio can be updated monthly, giving the lender the ability to react much more proactively to changes in the marketplace, as well as changes in regulatory requirements,” added Cross.

In addition to the valuation services, CMSI has developed enhanced business intelligence dashboards, to allow lenders to manage capital requirements, loss reserves, return on Assets, and credit strategy. It can help identify positive and negative credit trends early, and allow lenders to stay on top of all of the current and ongoing compliance requirements. Online dashboards provide portfolio segmentation by vehicle class, year, make, and model.

Chip Riordan, president of CMSI said, “This agreement with Black Book, along with our Portfolio Management tools, illustrates CMSI’s strategy to provide more value to automobile lenders. Our decision engine technology, coupled with Black Book’s data will empower executives from banks, finance companies, and credit unions to have valuable information at their fingertips and more control.”

As lenders become even more focused on accurately valuing their assets, CMSI eXchange will help them determine the true value of their portfolio. The tools provide trending to help lenders manage pricing, origination, collection and recovery activities.

About Black Book

Best known in the Automotive Industry for providing timely, independent, and accurate vehicle pricing data, the Black Book^® family of vehicle appraisal guides (www.BlackBookUSA.com) is published by National Auto Research, a division of Hearst Business Media. New and used car dealers, lenders, manufacturers, fleet remarketers, and government agencies have relied on Black Book since 1955. Black Book provides values for both new and used vehicles, including cars and light trucks produced since 1946, collectible and exotic vehicles, motorcycles, ATVs, snowmobiles, personal watercraft, and heavy duty commercial trucks and trailers. Black Book data is published daily in multiple electronic formats including data feeds, Internet-based applications, hand held PDAs, web enabled cell phones, Pocket PCs, BlackBerry and Palm devices, SmartPhones, Micro Browsers, online trade appraisal services, and in a variety of other custom products. Printed versions are also available on a weekly basis. Whether you’re buying, selling, or lending, Black Book’s mission is to provide the Automotive Industry with timely, independent, and accurate information to help make the right decisions.

About Credit Management Solutions, Inc.

Established in 1987, CMSI provides innovative loan origination, credit processing, decision engine and portfolio management software and services. CMSI’s specializes in the development of easy-to-use, intuitive credit automation and analysis software platforms that are functionally and technically comprehensive enough to support the community banks, credit unions, finance companies, and banks, including the largest and most sophisticated credit origination environments.

CMSI has helped many of the country’s credit unions, banks and finance companies to develop a competitive edge by streamlining credit operations, lower operating costs, minimizing credit risk, and optimizing returns. CMSI software is used for all types of consumer lending, including the automobile, home equity, credit card, student lending, marine, and recreational vehicle markets.

This press release contains forward-looking statements. All forward-looking statements involve risks and uncertainties, including, without limitation, the risks detailed in CMSI’s filings and reports with the Securities and Exchange Commission. Such statements are only predictions and actual events or results may differ materially. This press release and other company and product information can be found on our Web Site at http://www.cmsinc.com.

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