Direct Response Financial Services, Inc. Adds Credit Repair Benefit to its Membership Card Services.

Business Editors

LOS ANGELES--(BUSINESS WIRE)--Nov. 13, 2003

Direct Response Financial Services, Inc. (OTCBB: DRFL) through its subsidiary Direct Card Services, LLC ("DCS") today announced that it added additional benefits to its existing Business Advantage Card Program and its Personal Advantage Card Program. These additional benefits include customized web support services, legal estate planning benefits, accountant-assisted tax services, and a credit repair program.

Gregory Rotelli, President of DRFL said, "By adding these additional benefits to our existing programs the Company makes its debit card offers more attractive to our target audience. In particular, offering credit repair or a credit building service meets a huge need for many of our customers."

About Direct Response Financial Services, Inc.

Direct Response Financial Services, Inc. (OTCBB: DRFL; Berlin: DFS) makes it easier, faster and more secure for people and businesses to buy goods and services, using virtually any form of payment: credit, debit, smart card, stored-value card, electronic check at the point-of-sale, or over the Internet. The Company's primary focus is to provide merchants and consumers with innovative financial products and services to expand their business and life in the electronic age. DRFL's mission is to allow its customers the ability to make payment and accept payment anytime, anywhere and through any means - safely, securely and reliably. For more information on DRFL go to the website www.drfs.net.

Statements that are not historical facts are forward-looking statements. The Company, through its management, makes forward-looking public statements concerning its expected future operations, performance and other developments. Such forward-looking statements are necessarily estimates reflecting the Company's best judgment based upon current information and involve a number of risks and uncertainties, and there can be no assurance that other factors will not affect the accuracy of such forward-looking statements. It is impossible to identify all such factors, factors that could cause actual results to differ materially from those estimated by the Company. They include, but are not limited to, government regulation, managing and maintaining growth, and the effect of adverse publicity, litigation, competition and other factors that may be identified from time to time in the Company's public announcements.