XCU Capital To Market Debt CancellationFor CUNA Mutual

CARLSBAD, Calif. - (10/25/04) -- Credit union-owned XCU Capital saidFriday its wholly owned Focus Insurance subsidiary has signed withCUNA Mutual Group to market the insurer's debt cancellationcoverage to credit unions. The program will protect credit unionsand their members from loan delinquencies, charge-offs andcollection costs. Debt cancellation covers a borrowers default fordeath, disability, involuntary unemployment, or other crises if theevent is not covered by a traditional credit insuranceprogram.