APPRO Systems and CU Direct Enhance Indirect Lending Process; New Interface Provides Advantages of a Common Platform for Credit Unions and Automobile Dealers.

BATON ROUGE, La. -- APPRO Systems, Inc. (APPRO), the leading provider of automated credit risk management and financial technologies for the lending industry, and CU Direct, which developed and administers the Credit Union Direct Lending (CUDL) program, announced today that they have successfully developed an interface between APPRO's consumer loan automation system, LoanCenter Consumer(TM), and the CUDL program, which enables members to receive credit union financing via an automated loan decisioning process at participating automobile dealerships.

"The new interface will provide us with an improved approval percentage and an increase in loan bookings," said Bob Finnegan, vice president of Lending for Pacific Service Credit Union. "We will also enjoy a standardized underwriting process and the ability to have all loan applications residing in one centralized system."

This new interface enables automobile dealers throughout the United States to submit consumer loan applications online to participating credit unions that utilize both CUDL and LoanCenter Consumer. Members' application information is submitted directly into LoanCenter Consumer through CUDL's Dealer Interface, which enables granular and consistent decisioning to take place directly within LoanCenter Consumer. APPRO's system then decisions the loan, completes risk management strategies and provides a response back to the dealer within seconds. At their end, credit unions can implement decisioning with a single process, streamlining their ability to communicate with dealers, manage risks and monitor their portfolios.

"This is part of CUDL's ongoing mission to serve credit unions by providing the products and services that enable them to increase their auto loan market share," said Tony Boutelle, president and CEO of CU Direct. "The interface leverages the best of the two technologies to offer our credit unions flexibility and choice by giving them access to APPRO."

"Through the combination of our technologies, CUDL and APPRO together bring a significant increase in both flexibility and functionality to each credit union that utilizes our two systems," said Steve Uffman, CEO of APPRO Systems, Inc. "Successful consumer lending, especially indirect lending, is predominantly based on a financial institution's availability to provide a qualified response to its customer quickly and conveniently. This interface will better enable CUDL's customers to do just that."

About CU Direct

Based in Rancho Cucamonga, California, CU Direct Corporation (CU Direct) is the leader in indirect lending services for the credit union industry. As a result of its recent acquisition of Indirect Services Inc., CU Direct administers both the Credit Union Direct Lending (CUDL) and DecisionApp programs, which allow members to receive credit union financing at the auto dealership through an automated decisioning system. As a Credit Union-owned Service Organization, CU Direct develops custom applications, training and marketing programs to help credit unions achieve their indirect lending goals. Participants include approximately 5,700 dealerships and approximately 430 credit unions in 32 states across the country. For more information on CU Direct, visit www.cudirect.net. Credit union members can find all the latest auto buying and research tools at: www.cudirect.com.

About APPRO Systems, Inc.

APPRO Systems, Inc. is the lending industry's leading provider of comprehensive, automated credit risk management and financial technologies for the Internet and traditional lending environments. APPRO supports more than 450 financial institutions, with customers of all types in the United States, Canada and Puerto Rico. The company provides rapid implementation time and professional services for its signature product, LoanCenter(TM), a scalable software system that enables high decision quality and speed and automates the entire workflow of processing credit applications and originating loans for lenders of all sizes. The 26-year-old company is based in Baton Rouge, La. with additional offices in Dallas, Texas. For additional information about APPRO, visit the company's Web site at www.approsystems.com.