Crutchfield Extends the Convenience of Bill Me Later to Its Customers.

Sixty Percent of Bill Me Later Users are New Customers

CLEVELAND, Ohio and TIMONIUM, Md. -- CardinalCommerce[R] and Bill Me Later, Inc. today announced that award-winning consumer electronics retailer Crutchfield Corporation has deployed the Bill Me Later[R] payment option. Bill Me Later offers Crutchfield customers a fast, simple and secure payment method when placing phone orders and shopping online at Crutchfield.com. Since it rolled out Bill Me Later in its call center and on its web site, approximately 40 percent of Crutchfield's Bill Me Later sales come through the Bill Me Later Network and nearly 60 percent of those Bill Me Later users are new customers for the retailer.

Crutchfield was able to get Bill Me Later implemented and online quickly by using Bill Me Later QuickPath(SM), an easy to deploy version of the service available exclusively to CardinalCommerce customers. CardinalCommerce's Cardinal Centinel[TM] platform gives retailers fast access to a suite of easy-to-integrate payment options, including Bill Me Later. Crutchfield is also leveraging Bill Me Later's deferred billing options, as well as integrated marketing programs to extend special offers and promotions to its customers to improve customer loyalty and increase sales.

"Working with Cardinal Commerce we integrated Bill Me Later onto our existing payments platform," said Deborah McPhillips, Director of Financial and Operational Analysis at Crutchfield Corporation. "Customer service is a cornerstone of our business and we are constantly looking for new ways to enhance the customer experience. Bill Me Later has extended our award-winning customer service to the payments process and our Bill Me Later sales exceeded our expectations right from the start."

Bill Me Later, Inc. enables retailers to simplify the payment experience to capture lost sales, increase customer loyalty and maximize profits. Through a single implementation of its Bill Me Later product suite, merchants gain access to a set of technology solutions including Bill Me Later, deferred billing, private label credit card programs, Bill Me Later Business and integrated marketing programs.

"The Cardinal Centinel platform makes it almost effortless for retailers to extend their payments processing capabilities as their businesses grow," said Matt McDowell, Vice President of Merchant Services at CardinalCommerce. "Since we began offering Bill Me Later QuickPath earlier this year, we have seen a positive response from our customers."

"Leading multichannel merchants like Crutchfield have discovered that payment options can serve as a valuable marketing tool for acquiring customers, increasing sales and driving customer loyalty," said Vince Talbert, Vice President of Marketing at Bill Me Later, Inc. "Our partnership with CardinalCommerce makes it even easier for retailers to take advantage of the benefits of Bill Me Later through a streamlined integration process."

About Crutchfield Corporation

Crutchfield Corporation, which celebrates its 33rd anniversary in 2007, is the nation's first integrated marketer (catalog, call center, and Internet) of consumer electronics products. Since its introduction in 1974, the Crutchfield catalog has been a respected authority on car and home entertainment products, winning multiple awards for quality, design, and usefulness. Crutchfield's Sales, Customer Service and Technical Advisors are noted for their high integrity, product expertise, and technical support. They are available by phone, e-mail, and live online chat. Crutchfield.com offers a convenient, full-service shopping destination to buyers of car and home audio/video products. Crutchfield was the first vendor-authorized audio/video retailer on the Internet and has been recognized for call center operation customer satisfaction excellence under the J.D. Power and Associates Certified Call Center Program(SM). It is also one of only two retailers to have won BizRate's coveted "Circle of Excellence" award eight times. For more information, visit www.crutchfield.com.

About Bill Me Later, Inc.

Bill Me Later, Inc. is a technology company helping to connect leading merchants with high value customers by improving the purchase experience. Bill Me Later, Inc.'s payment and marketing technology solutions help establish and maintain trusted relationships between hundreds of top tier retailers and high value customers at the point-of-sale. The solutions are the first new payment methods since credit cards to be so broadly available within the United States. For more information, visit www.billmelater.com.

About CardinalCommerce

CardinalCommerce Corporation is a leading provider of payment brands for banks, merchants, processors and financial service providers. CardinalCommerce enables Verified by Visa, MasterCard SecureCode, PayPal, SECURE-eBill, Bill Me Later, Google Checkout, Green Dot MoneyPak and NetCash, with Western Union and NACHA Secure Vault coming soon. Cardinal's proprietary and easily deployable technology provides consumers, merchants, credit/debit card issuers, and processors the ability to conduct authenticated Internet, wireless and mobile transactions safely and securely. Headquartered in Cleveland, Ohio, with facilities in the United States, Europe and Africa, CardinalCommerce services a global customer base. For more information visit www.CardinalCommerce.com.