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December 5, 2005

GHR Systems and AGF Trust Introduce ECR EZ Finance


New Consumer Vendor Financing Solution Available for Olsen Oil and Gas Furnaces

Toronto and Wayne, Pa. – Dec. 5, 2005 – GHR Systems, Inc., a Metavante company and leading provider of lending automation technology and services, and AGF Trust Company today announced “ECR EZ Finance™,” a comprehensive consumer financing solution for ECR International Limited. The ECR-branded consumer financing solution provides automated consumer loan origination, financing and services to the Canadian HVAC consumer lending market. ECR (formerly Olsen Technology) is a leading Canadian manufacturer of high efficiency oil and gas furnaces.

ECR EZ Finance provides ECR dealers and certified contractors with an innovative and complete financing program expected to increase consumer HVAC sales and increase all ECR brands’ market share. GHR Systems and AGF Trust are providing complete, end-to-end automated consumer financing at the point-of-sale, integrated promotional program functionality and proven account management practices. GHR’s Consumer and Business Lending Solutions division is hosting and managing the ECR EZ Finance platform and AGF Trust is providing exclusive consumer underwriting and financing for customers of ECR dealers and certified contractors.

“Through GHR’s vendor financing program, ECR can provide its Canadian dealers with innovative lending programs, quick turnaround time and integrated promotional offerings, resulting in even greater value to consumers,” said Mark Deneau, marketing representative, ECR International Limited. “GHR’s state-of the-art technology coupled with their quality support services will help extend ECR growth potential and strengthen our commitment to our Canadian dealer network.”
“Point-of-sale consumer financing programs are a great way for HVAC manufacturers to increase consumer sales and provide significant ‘value add’ to dealers and contractors,” said Rick Arends, executive vice president, Consumer and Business Lending Solutions, GHR Systems. “Our alliance with AGF Trust provides a highly flexible, automated loan origination solution that enables dealers to provide competitive financing in a matter of minutes, whether at the dealership or in a customer’s home.”

“AGF Trust is expanding its presence with our entry into the HVAC financing sector of the home improvement lending market,” said John Bennett, executive vice president, Products and Operations, AGF Trust. “By partnering with GHR Systems, AGF Trust has been able to dramatically accelerate its time to market and leverage GHR’s expertise in executing vendor financing programs.”

About ECR International Limited
ECR International Limited, an innovator in the development of high efficiency oil and gas furnaces offers a full line of HVAC and hydronic equipment for both residential and commercial markets. ECR’s technologies represent the heating and cooling industry’s standard for product excellence. The company currently operates manufacturing facilities in Wallaceburg, Ontario, as well as New York and Connecticut in the U.S.. ECR International Limited manufactures furnaces, boilers, baseboard, water heaters, hydronic controls and ductless air conditioning systems under the following brand names: Olsen - oil and gas furnaces/boilers; Airco - oil and gas furnaces; Argo - baseboard and hydronic controls; EnviroAir - ductless air conditioners. For more information about ECR International, see http://www.ecrinternational.com/ or contact Mark Deneau, marketing representative, 519-627-0791, marden@ecrinternational.com

About AGF Trust Company
AGF Trust Company is a wholly owned subsidiary of AGF Management Limited, one of Canada’s oldest and most broadly diversified wealth management companies. Since 1988, AGF Trust has been able to differentiate itself in the marketplace by offering some of the most innovative financial products and services. Some of these financial solutions include mortgages, vendor financing programs, investment loans, RSP loans, and term deposit products.
AGF Trust is federally incorporated and licensed to carry on business across Canada. The company is a member of the Canadian Payments Association and is an approved lender for Canada Mortgage and Housing Corporation (CMHC) and GE Capital. For more information about AGF Trust, see www.agf.com/static/en/products_services/1790.html or contact John.Bennett@agf.com, executive vice president, Products and Operations, 416-216-5371

About GHR
GHR Systems, Inc., a Metavante company and leading provider of lending automation solutions and services for the vendor financing, consumer and small business lending and residential mortgage industries, provides browser-based and client-server platforms and applications for originating, processing and closing loans. GHR’s clients use GHR technology and services to better market, sell and close loans through all their distribution channels. Fifteen of the Top 50 U.S. Mortgage lenders and five of the top power sports recreational manufacturers in the world use GHR’s systems. GHR is a Microsoft Gold Certified Software Development Partner. Visit us on the web at www.ghrsystems.com. Metavante Corporation delivers banking and payment technologies to financial services firms and businesses worldwide. Metavante products and services drive account processing for deposit, loan and trust systems, image-based and conventional check processing, electronic funds transfer, consumer health care payments, and electronic presentment and payment. Headquartered in Milwaukee, Metavante (www.metavante.com) is wholly owned by Marshall & Ilsley Corporation (NYSE: MI).

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