APPRO First with International Loan-ProcessingSystem.

BATON ROUGE, La.--(BUSINESS WIRE)--April 23, 1998--

Financial Institutions crossing borders to increase market size

APPRO Systems, Inc., announced today the development of the first consumer loan processing system designed specifically to support multiple currencies, credit

The system was developed in response to several captive finance companies' requests for the ability to cross financial borders economically. This system enables lenders to consolidate multiple processing centers into one, multinational loan-processing center. Several lenders currently in negotiations with APPRO have also expressed interest in implementing the new system's abilities into their processing centers.

APPRO customers have specifically requested this capability. The forerunners consist primarily of captive financing companies, dealing in both prime and sub-prime lending. In addition to providing its customers with the ability to simultaneously process loans of different currencies in one center, APPRO also supports and provides access to all of the major credit reporting agencies in the United States and Canada, including Equifax, CreditTel and Dun & Bradstreet. APPRO's systems, used by high-volume lenders such as The Toronto-Dominion Bank, PNC Bank, and Hibernia, enable lenders to implement risk-based pricing and determine the best loan product fit for the applicant by incorporating the financial institution's credit policy, scorecard, bankruptcy screening, delinquency screening, collateral value (on secured loans) and applicant's credit characteristics.

"Credit is the engine that drives today's marketplace, which is rapidly becoming an international community," said Craig Uffman, president of APPRO Systems. "APPRO recognizes the need to help facilitate commerce across national boundaries. This capability will be the single most important consideration for any lender who has global aspirations."

About APPRO

APPRO Systems, Inc., founded in 1979, is privately held and managed. The company's family of credit assessment products is installed in more than 90 financial institutions nationwide. Along with the consumer lending and home improvement systems, APPRO's products include the 20/20 Small Business Lending System, a complete assessment package for commercial lending that evaluates multiple applicants and products.

APPRO's consumer lending systems are used by high volume vendors throughout North America to evaluate credit risk and process consumer loans. Some of APPRO's customers include Hibernia, PNC Bank, San Francisco Federal Employees Credit Union and The Toronto-Dominion Bank.

APPRO Systems is headquartered at 9489 Interline Avenue, Baton Rouge, LA 70809. For more information contact Craig Uffman at (504) 922-4730 or visit the company web site at www.approsystems.com.

CONTACT: APPRO Systems

Craig Uffman, 504/922-4730

craig_uffman@approsystems.com

or

for APPRO Systems

Beth Quinlan, 404/264-7207