Pacific Financial Signs Merger LOI With Utah Based Lending Co.

| Source: General Payment Systems, Inc.

LODI, Calif., Feb. 5, 2007 (PRIME NEWSWIRE) -- Pacific Financial Solutions, Inc. (Pink Sheets:PFUO), a leader in providing cashless ATM kiosks, Point-of-Banking (PBT) terminal technology and Affinity "Gift to Give" prepaid gift and stored value cards, announces the signing of an LOI to merge with Pacific Financial Lending, Inc. (PFLI) of Salt Lake City, UT. The merger will bring personal and commercial financial lending capabilities to PFUO.

This merger between Pacific Financial Solutions, Inc and Pacific Financial Lending, Inc. when completed will bring PFUO a series of unique and proprietary lending solutions and alternative payment solutions along with pre-collections procedures that are allowing Merchants to capture significantly more sales volume as a result of approval of previously turned-down or rejected retail customers. PFUO expects significant new revenues to PFUO's banking services division as a result of this acquisition.

"PFLI's friendly approach to offering customers financing solutions such as third party negotiation on the customers behalf that often results in reduced interest rates, increased limits and frequently obtains additional credit, has retail Merchants taking notice of our growing business," said Josh Lindsay, President of PFLI. Mr. Lindsay added, "Not only does PFLI help the Merchant's bottom line by collecting payments for goods already sold, but we also clear previously declined sales using alternative financing methods, which has our merchants enjoying significant and increased new found profits."

"PFLI is enjoying rapid success and growth and PFUO is pleased to attract this fine company and its President, Josh Lindsay to our company," stated Clifford Goehring, CEO and Chairman of PFUO. "Upon completion of this merger, Mr. Lindsay will become President of Pacific's Banking division. Josh will bring his success at leading and building world-class sales and marketing teams nationwide to PFUO. Josh holds a BSBA degree from Athabasca University."

This merger upon completion of due diligence by both companies is expected to be finalized by the end of February. PFLI revenues are projected to exceed $7.8 million in 2007. PFLI and staff will remain in its Salt Lake City, UT Corporate Headquarters.

About Pacific Financial (

Pacific Financial Solutions, Inc. is a premier global distributor of financial services and products providing its customers with a wide array of prepaid stored-value and kiosk enabling devices. Pacific is comprised of fully integrated divisions: Pacific Banking Services (Point-of-Banking terminals) and Pacific Card Services. Pacific is a location services provider (LSP) for national and regional retail merchants. Pacific's continued success is driven by corporate sales, ISO's sales, Affinity sales as well as mergers & acquisitions. Pacific's global strategy centers on deploying both single and multi-use debit banking products and services along with stored-value debit card services worldwide.

This news release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.The words or phrases "would be," "would allow," "intends to", "will likely result," "are expected to," "will continue," "anticipate," "expect," "estimate," "project," "indicate," "could," "potentially," "should," "believe," "considers," or similar expressions are intended to identify "forward-looking statements." Actual results could differ materially from those projected in the forward-looking statements as a result of a number of risks and uncertainties. These include the company's historic lack of profitability, end user customer acceptance and actual demand, which may differ significantly from expectations, the need for the company to manage its growth, the need to raise funds for operations and other risks within the regulation of the industry. Statements made herein are as of the date of this press release and should not be relied upon as of any subsequent date. The Company's past performance is not necessarily indicative of its future performance. The Company does not undertake, and the Company specifically disclaims any obligation, to update any forward-looking statements to reflect occurrences, developments, events or circumstances after the date of such statement.

Pacific Financial Solutions, Inc.  
Barbara Thomas