Consumers Want a Bank as Their Primary `Financial Destination' on the Internet, Says nFront Executive at ABA Annual Convention.

PHOENIX--(BUSINESS WIRE)--Oct. 12, 1999--

Banks should offer more than just banking on the

Internet, says Brennan

Vincent R. Brennan, senior vice president for nFront(tm), Inc. (NASDAQ: NFNT), (www.nfront.com), encouraged attendees of the American Bankers Association (ABA) Annual Convention in Phoenix to look beyond conventional bank services as they move into Internet banking.

By acting strategically and aggressively, banks can become the preferred stop on the Internet for customers to manage their financial responsibilities and relationships.

Banks - not general-purpose portals -- are favored by consumers over other organizations as the logical Internet destination for conducting their financial affairs, said Mr. Brennan in his presentation, "Become a Financial Destination." He pointed to bill presentment and payment, investments, insurance and community forums as related services that should be components of a bank's Internet banking service.

"Don't just be another Internet bank," stressed Brennan, senior vice president of sales for nFront, Inc. "With the right strategy, effective partnerships and flawless execution, banks are ideally positioned to capitalize on technology's advancements and become financial destinations for their customers."

nFront, a leading provider of Internet banking services, empowers banks with the enabling technology, strategic partnerships and marketing support to become Internet financial destinations. nFront maintains exclusive partnerships with bank core processing companies as well as financial services companies that play critical roles in nFront's comprehensive outsourced Internet banking solution.

According to International Data Corporation (IDC), the number of households banking online in the U.S. will increase from six million in 1998 to more than 32 million by 2003. In addition, IDC estimates the number of banks offering Internet banking services will increase from 1,150 in 1998 to 15,845 by 2003.

About nFront

Atlanta-based nFront, Inc. (NASDAQ: NFNT), (www.nfront.com) is a leading Internet banking services company that enables small- to mid-size financial institutions to process financial transactions with their customers via bank-branded Web sites. nFront's comprehensive outsourced service is a secure, reliable and scalable way to deliver Internet banking, a key means of attracting and retaining profitable customers. Exclusively endorsed by the American Bankers Association (ABA) and winner of Microsoft's Best Internet Banking Solution Award, nFront provides fully transactional Internet banking development and implementation, Web site design, maintenance and hosting, customer service training and support, and marketing consulting services.

NOTE TO EDITORS: For a copy of Mr. Brennan's speech presentation, please contact Ernie Buday, Ketchum Crescent, at 404-287-2000 ext. 186, or by email at [e-mail].

This press release contains statements which may constitute "forward-looking statements" within the meaning of the Securities Act of 1933 and the Securities Act of 1934, as amended by the Private Securities Litigation Reform Act of 1995. Those statements include statements regarding the intent, belief or current expectations of nFront, Inc. and members of its management as well as the assumptions on which such statements are based. Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve risks and uncertainties and that the actual results may differ materially from those contemplated by such forward-looking statements. Important factors currently known to management that could cause actual results to differ materially from those in forward-looking statements include fluctuation in operating results, the ability to compete successfully and the ability to integrate acquired companies. Additional factors are set forth in the Risk Factors section of our Registration Statement on Form S-1. The company undertakes no obligation to update or revise forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results.