Compass Bank Interfaces APPRO's LoanCenter for Business and LoanCenter for Consumer With S1 Full Service Banking Solution.

Business Editors

BATON ROUGE, La.--(BUSINESS WIRE)--July 22, 2002

Successful interfaces enable improved loan decisioning capabilities

APPRO Systems, Inc., the leading provider of automated credit risk management and financial technologies for the lending industry, today announced that Birmingham, Ala.-based, Compass Bank has successfully interfaced APPRO's LoanCenter for Business(TM) and LoanCenter for Consumer(TM) with its sales and service platform solution, provided by S1 Corporation (NASDAQ: SONE).

LoanCenter for Business is an automated credit evaluation system designed to meet the special needs of commercial lenders that serve small businesses and LoanCenter for Consumer(TM) performs the same functionality for the consumer market.

"We wanted a system that worked with some of our other software and LoanCenter uses an open architecture that enables us to integrate it with our other systems," said Rick Arnold, Compass Bank vice president and senior lead programmer/analyst. "For example, Compass Bank automatically imports electronic loan application information from the S1 Sales and Service Platform into LoanCenter for Business or LoanCenter for Consumer for quick loan decisioning. The interface with S1's solution streamlines our processes by eliminating the need to re-key information for the loan application and again for the credit decisioning system."

According to Arnold, loan processing time has been cut in half since the bank implemented the LoanCenter systems, allowing the bank to produce more loans without increasing staff. Arnold expects the products to help the bank double its loan production within the next two years.

"LoanCenter for Business and LoanCenter for Consumer are built around providing our financial institution customers superior loan decisioning capabilities through a combination of functionality and flexibility," said Steve Uffman, chairman and CEO of APPRO Systems, Inc. "In order to provide a cost-effective loan decisioning solution for financial institutions, it is vital that new technologies be able to successfully interface and dialogue with existing systems. I point to Compass Bank as an institution that has been successful in achieving this and generating significant benefits as a result."

LoanCenter for Business and LoanCenter for Consumer were designed specifically to further enhance and streamline the myriad of required systems and processes necessary for lending institutions to close both small business and consumer loans at the point of impulse. LoanCenter for Business and LoanCenter for Consumer are scalable software systems that automate the entire workflow of processing credit applications and originating small business and consumer loans for lenders of all sizes. The systems are available in both in-house and application service provider (ASP) versions. About Compass Bank

Compass Bank is a subsidiary of Compass Bancshares, Inc., a Sunbelt-based financial holding company with $23 billion in assets and 340 full-service banking offices in Alabama, Arizona, Colorado, Florida, Nebraska, New Mexico and Texas. Compass is among the top 40 U.S. bank holding companies by asset size and ranks among the top earners of its size based on return on equity. The company's earnings per share have increased for 14 consecutive years and dividends per share have increased for 21 consecutive years. Shares of Compass' common stock are traded through the NASDAQ stock market under the symbol CBSS. 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 250 financial institutions, with customers of all types in the United States, Canada and Puerto Rico. The company provides rapid implementation time and follow-on consulting 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 22-year-old company is based in Baton Rouge, La. with additional offices in Dallas, Texas. For additional information about APPRO, write to: APPRO Systems, Inc., 7173 Florida Blvd., Suite 100, Baton Rouge, LA 70806, or visit the company's Web site at www.approsystems.com.