Austin, TX - April 14, 2007

Sheshunoff Consulting+Solutions [SCS] announces that Addison Avenue Federal Credit Union has selected SCS’ proprietary Deposit Score® software for its overdraft solution using artificial intelligence to predict account deposit behavior.

Deposit Score is the only product available in the market that dynamically manages the overdraft process.  Using artificial intelligence, the software learns the unique combination of account characteristics that cause a risk of overdraft conditions for a particular member. The result is a continuous refinement and optimization specific to each financial institution. Deposit Score can also predict which accounts are more likely to charge off and automatically apply pointed adjustments to the overdraft thresholds of those accounts to mitigate risk, increase member service and manage public policy.

According to Kelly Burke, Share Operations Manager at Addison Avenue Federal Credit Union, "Sheshunoff's key differentiators are the sophistication of the software and its ability to predict deposit behavior, the integrity of the team and their patience and professionalism through the whole process. Sheshunoff's project management methodology, training materials and professionalism have solidified our decision. Sheshunoff has raised the bar.”

“Deposit Score continues to distinguish itself from other overdraft programs,” said Steve Simpson, director of product development.  “It is the first product on the market to be client specific rather than based on industry averages.  It allows for multiple equation matrices for business and/or personal products.  And it is the only program with the "Z-Factor" which continuously optimizes the program's equations for the institution's specific account base.”

Deposit Score software, reporting and data analytics has been proven superior in a number of large financial institutions, yet it is affordable for financial institutions of all sizes.  Deposit Score also helps financial institutions provide superior service by prudently maximizing the pay rate of overdrafts while mitigating risk and charge offs for client institutions, according to Simpson.

For over 30 years, the experienced consultants at Sheshunoff Consulting+Solutions have been helping financial institutions gain competitive advantages and improve their profitability, through proven solutions that enhance revenue, optimize business processes, manage risk, meet regulatory requirements, and position banks for long-term growth.