Automated Lending Machine Makes Debut.

ATLANTA--(BUSINESS WIRE)--Feb. 10, 1997--

Dyad Corporation's ALM kiosks provide instant on-site loans

Dyad Corporation, Inc., an affiliate of InterCept Holdings Company, today announced the introduction of a new generation of Automated Lending Machines (ALM) for consumer loan originations. The Dyad ALMs give consumers unassisted lending options for obtaining unsecured loans ranging from $500 to $15,000 on site and receiving a fully encoded check for the loan amount which features the applicant's photo.

The kiosks are purchased or leased by financial institutions or finance companies and strategically placed in high traffic retail areas. The ALMs are primarily designed for placement in bank branch offices and retail outlets such as furniture stores, electronic stores, automobile dealerships, and supermarkets, for generating consumer loans and as an enhancement to the financial institution's retail delivery strategy.

This alternative loan delivery system is designed to take an on-screen application, process it on-line, and produce a check and all required loan documentation containing signature and photo identification within minutes. Each ALM kiosk features comprehensive credit scoring and risk management decision support systems; a central processing unit (CPU); full compliance loan documentation; on-screen lending forms; a laser printer; a digital video camera; a magnetic card stripe reader; on-line, real-time connectivity to Dyad Corporation or an independent host system; and a touch screen keyboard and electronic signature pad.

There are several features which distinguish Dyad ALMs from other ALMs being offered. These include the ability to make instant lending decisions using the bank's credit scoring system and lending criteria. This, coupled with an open-system architecture, allows banks to integrate ALM lending activity with existing loan portfolio processing and CIF files, and to use alternative financing sources when the loan does not meet the bank's lending criteria.

C. Michael Bowers, president & CEO of Dyad Corporation, said: "Taking consumer lending kiosks to the point-of-sale is an excellent marketing tool for banks, credit unions, finance companies, and non-financial lending institutions. Not only do our ALMs give these institutions the ability to enter untapped markets, they also give consumers the long-awaited convenience of generating loans on their terms without loan officer or credit manager assistance or other intervention. Consumers apply for a loan, receive a lending decision and walk away with a check, all within minutes. This new technology provides financial and non-financial institutions as well as retail outlets, the ability to offer a truly value-added customer service while helping them generate additional revenue through an on-site lending solution."

While ALMs appear similar to Automated Teller Machines (ATMs), Dyad's ALM kiosks are uniquely designed to improve the delivery of loans to consumers. The system's physical and process designs give consumers comfort as well as quick, efficient access to lending documents and checks.

Dyad Corporation offers ALM kiosks in three variations: 1) the Desktop/Tabletop kiosk, to be placed on a table so that users sit while working with the system; 2) the free-standing kiosk, enabling users to stand while using the system; and 3) the Buddy kiosk, specifically designed as a companion to an existing delivery method of a financial institution. All three models can be used independently or with loan officer or other personal assistance.

Bowers continued, "The key to the ALM's success is accessibility and usage, closely followed by strategic placement and marketing. Retail outlets are highly motivated to install the ALMs since they give consumers instant, on-site access to funds for purchasing big-ticket items."

For more information on Dyad Corporation, contact C. Michael Bowers, President & CEO, at [phone]; or write Dyad Corporation, 3150 Holcomb Bridge Road, Suite 200, Norcross, Georgia, 30071-1312.

CONTACT: Dyad Corporation

C. Mike Bowers, 770/246-3733

or

For Dyad Corporation

Kristin Tepe, 404/264-7210

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