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Card allows customers flexible financing solution for major home improvement
projects

MOORESVILLE, N.
(Logo: http://www.com/cgi-bin/prnh/20031205/LOWLOGO)
"For many Americans, the home is the biggest investment they'll make in
their lifetimes," said Larry Stone, Lowe's senior executive vice president of
merchandising and marketing. "Whatever drives your passion to participate in
home improvement projects - return on investment, the sense of self -
satisfaction or the pride of creating a home that reflects your personal
tastes - over time, home ownership proves to be one of the best investments
and the project card provides a flexible financial solution for our
customers.

Business Editors

NEW YORK----Universal Express Inc.
(OTCBB: USXP), today announced that its Universal Cash Express
division has added over 100 gift cards to its touch screen terminals
with its exclusive partnership with QGAC, Inc.edu/mkt/horne ), a gift card
specialist, said Americans likely spend between $40 billion and $45
billion annually on gift cards," said Mr.

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2 billion, Lowe's Companies, Inc.
"These gift cards will be available for sale using our touch
screen kiosks placed near the check out counter," said Brett Hudson,
President of Universal Cash Express. Customers can browse the list of
merchants by categories and view images of gift card(s) they wish to
purchase.icsc. Richard A. These subsidiaries and divisions provide the private
postal industry and consumers with value-added services and products,
logistical services , equipment leasing, and cost-effective delivery of
goods worldwide.

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About GE Consumer Finance
With $163 billion in assets, GE Consumer Finance, a unit of General
Electric Company (NYSE: GE), is a leading provider of credit services to
consumers, retailers and auto dealers in 47 countries around the world.

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C.
- The customer can continue to make purchases during the six -month
project window until the project is complete, without having to make
any payments or have any interest accrue.

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About Lowe's
With fiscal year 2005 sales of $43. is a
FORTUNE(R) 50 company that serves approximately 12 million customers a week at
more than 1,225 home improvement stores in 49 states. More information can
be found online at http://www.

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geconsumerfinance.

Universal Express Expands to over 100 Gift Cards

For a complete list of the cards go to
www.

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And Providence College marketing
professor Dan Horne (http://www., (including its USXP Cash
Express division) Universal Express Logistics, Inc.

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"
Here's how the project card works:
- The customer opens a "project window" with a project purchase of at
least $1,000. The Project Card allows customers to complete and begin
enjoying their projects before they have to pay. For
additional details about the card or to apply, go to
Lowescredit.

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, the 60-year old company is the second-largest home improvement retailer
in the world .

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, Just in time for the spring
remodeling season, Lowe's is launching the new Project Card, which provides
financing solutions for major home improvement projects. Michael Niemira, chief
economist at the International Council of Shopping Centers
(http://www.org), has suggested that 11 percent of holiday sales
may have been embedded in gift cards. Altomare,
Chairman + CEO of Universal Express .

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com/projectcard.com.

About Universal Express

Universal Express, Inc.

Safe Harbor Statement under the Private securities Litigation
Reform Act of 1995: The statements contained herein , which are not
historical, are forward-looking statements that are subject to risks
and uncertainties that could cause actual results to differ materially
from those expressed in the forward-looking statements including, but
not limited to, certain delays beyond the Company's control with
respect to market acceptance of new technologies, products and
services, delays in testing and evaluation of products and services,
and other risks detailed from time to time in the Company's filings
with the Securities and Exchange Commission.

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The card allows
consumers a six -month project window to make as many purchases as they like
without incurring any interest or required payments.

The Project Card is designed for large home improvement projects from
total kitchen makeovers, to bathrooms to decks to flooring to energy
efficiency upgrades.C. Once a gift card is purchased, Universal Cash Express will
provide its customers with a thermal gift card that includes a unique
product code as well as instructions on the back on how to receive the
actual store-branded gift card.

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- After the six-month purchase period ends, interest accruals begin and
fixed monthly payments begin.
- Another project window can then be opened for another project. Based in Mooresville,
N. For more information, visit Lowes. owns and operates several subsidiaries
including Universal Express Capital Corp.

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Lowe's Launches New Project Card

The Project Card is financed and managed by GE Consumer Finance.

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newscom. GE
Consumer Finance , based in Stamford, Connecticut, offers a range of financial
products, including private label credit cards, personal loans, bank cards,
auto loans and leases, mortgages, corporate travel and purchasing cards, debt
consolidation and home equity loans and credit insurance. (including Virtual
Bellhop , LLC and Luggage Express), UniversalPost Network and Universal
Jet Aviation.

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"After Christmas , Bloomberg news reported that sales of gift cards
in the 2004 holiday season may have exceeded the National Retail
Federation's prediction of $17.

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