2000 Press Releases 1999 Press Releases 1998 Press Releases 1997 Press Releases In the News Management Team Case Studies Event Calendar 2000 Press Releases nFront Awarded Delaware and North Carolina State Bankers Associations' Exclusive Endorsements for Internet Banking Contact: Kelly Harviel nFront, Inc. (770) 209-4460 ext. 265 kharviel@banking.com Ernie Buday Ketchum for nFront (404) 287-2000 ext. 186 ernie.buday@ketchum.com nFront Awarded Delaware and North Carolina State Bankers Associations' Exclusive Endorsements for Internet Banking -- Associations support ABA's endorsement of nFront's nHome and nBusiness products as "Best in Class" -- ATLANTA, Feb. 2, 2000 - nFrontTM, Inc. (NASDAQ: NFNT, www.nfront.com), a leading Internet banking services provider for small- to mid-size financial institutions announced today it has received two leading state bankers associations' exclusive endorsements for Internet banking. The Delaware Bankers Association and Community Bank Services, Inc., a wholly-owned subsidiary of the North Carolina Bankers Association, have both supported the American Bankers Association's® (ABA) exclusive endorsement for Internet banking awarded to nFront in 1999. The endorsements are supplemental to the ABA endorsement, issued by the Corporation for American Banking (CAB), an ABA subsidiary. Each individual state bankers association has the option to support the endorsements of the ABA. The Delaware and North Carolina Bankers Association reviewed and supported the ABA's award decision. "Our charge was to identify the best in class provider of Internet banking services, which we found in nFront," said John Wolff, managing director and secretary of CAB. "The ABA endorsement carries with it our confidence that nFront's products and services have been thoroughly researched, tested and approved by bankers to support the industry's dynamic needs. The fact that Delaware and North Carolina chose to join the ABA's recommendation is a strong statement for nFront's capabilities." "Winning the Delaware and North Carolina Bankers Associations' exclusive endorsement is a great honor and validation of the Internet banking solution we provide America's financial institutions," said Tripp Rackley, chairman and CEO of nFront. "But more importantly, the ABA and its member organizations have demonstrated their conviction that banks of all sizes, not just regional and national banks, have a great deal to gain from introducing Internet banking to their customers." nFront received the ABA's exclusive endorsement after an extensive review of Internet banking solutions. The review was performed by the ABA in conjunction with Gomez Advisors, a respected independent authority on the Internet delivery of consumer products and services. nFront was named "best in class" based on the ABA's in-depth analysis of the company's management strength, financial soundness, Internet banking solution functionality, marketing capabilities and customer service standards. nFront's nHomeTM and nBusinessTM Internet banking solutions offer reliability, scalability and ease of use for both end-users and bank operations staff. In addition to fully transactional Internet banking and cash management functionality, nFront's leading-edge technology offers financial institutions a valuable sales and marketing tool by allowing the bank to capture and mine valuable customer data on a secure platform for customer-specific marketing. nHome and nBusiness are the only "fat-server" Internet banking solutions designed specifically for small- to mid-size financial institutions. About the Delaware Bankers Association The Delaware Bankers Association (DBA) www.debankers.com is a not-for-profit trade association representing member financial institutions in the state of Delaware. The DBA is a member of the ABA and serves the needs of its members through leadership, government relations activities and educational programs. Originally organized in 1895 with 19 banks and trust companies, the DBA today is comprised of 36 member banks in the state of Delaware with total assets in excess of $130 billion. About the North Carolina Bankers Association The North Carolina Bankers Association (NCBA) www.ncba.com is the trade association that represents the state of North Carolina's banking industry, including 137 members and approximately 150 affiliate members from commercial banks, savings institutions and trust companies. The NCBA's member services include training, education, government relations and legal and regulatory support. Community Bank Services is a wholly-owned subsidiary of the NCBA, which provides NCBA members with services such as group insurance, employee benefit programs and bond coverage. The NCBA is a member of the ABA. About CAB The Corporation for American Banking (CAB), a subsidiary of the American Bankers Association (ABA), was chartered in 1982 and activated in 1988 to provide special products and services to ABA members on a national basis. All of CAB's products and services are managed by a board of directors, representing ABA member banks of various asset sizes, with additional guidance provided by several advisory groups comprised of both bankers and state association executives. About ABA The American Bankers Association (ABA) www.aba.com brings together all categories of banking institutions to best represent the interests of this rapidly changing industry. Its membership, which includes community, regional and money center banks and holding companies, as well as savings associations, trust companies and savings banks, makes the ABA the largest banking trade association in the United States. 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 1997 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. ### 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 effectively manage our rapid growth. Additional factors are set forth in the Risk Factors section of our Registration Statement on Form S-1 and Form 10-K. 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. For high-resolution images of the nFront logo and/or the ABA endorsement seal, please visit http://www.nFront.com/media 2000 Press Releases

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