More Competition For Point of Sale Auto Financing

        New Alliance at CBA Automobile Finance Conference March 12-15

    ANNAPOLIS, Md., and JACKSONVILLE, Fla., March 12 InsideOut
Technologies Inc.(TM), an American Management Systems company,
and dealerAccess(TM), a joint venture among The CIT Group, Bank of Montreal
and Royal Bank of Canada, enter a strategic partnership to offer an online
loan processing and management tool for auto dealers and lenders.  The
alliance guarantees instant credit decisions for dealers and customers via a
single point of entry.
    dealerAccess's electronic auto finance processing technology is leveraging
the power of InsideOut's premier lending service, NetCredit.  NetCredit
electronically connects auto dealers to lenders through dealerAccess's online
portal.  NetCredit provides 24/7 real-time decisioning based on selected
lenders credit criteria and instantly returns one or more offers to dealers.
Dealers and lenders benefit with faster decisions, more efficient processing,
and greater customer satisfaction.
    "This is a win-win venture for dealers, lenders, and auto customers.
There are over 22,000 franchised dealers in the US who will benefit from the
funding flexibility and enhanced customer service that dealerAccess offers,"
states Paul Adams, Executive Vice President of Business Development.
    With roots in Canada, dealerAccess plans to establish its base in the
United States in the fall of 2001.  "We chose to partner with InsideOut
Technologies because of their AMS heritage, full range of online credit
services, and demonstrated success in pioneering online credit services with
major financial institutions in the US.  This partnership positions us to
become a leading online auto finance source for dealers in the US," explains
Tim Hammill, CEO of dealerAccess.
    InsideOut Technologies and dealerAccess plan to attend the CBA Auto
Finance Show in Orlando next week to introduce the new venture.  A demo will
be available at booth #63.

    About InsideOut Technologies (http://www.InsideOutTech.com )
    InsideOut Technologies Inc., an AMS Company, is a premier provider of
network-based credit management services.  InsideOut enables the seamless flow
of information within and among enterprises, their customers and their
business partners.  Clients benefit in significantly reduced operating costs,
shorter time to market, and greater customer satisfaction.  NetCredit is
InsideOut's flagship service that enables financial institutions to lower
application processing costs by 50% and increase booking rates by providing
real-time credit decisions in seconds.  Through one connection, clients have
access to a full range of online credit services and external service
providers.

    About AMS (http://www.ams.com )
    American Management Systems is an international business and information
technology consulting firm, one of the 20 largest such firms worldwide.  AMS
is the premier provider of business and technology solutions that dramatically
improve business performance and create value for clients.  AMS's suite of
leading edge business and technology solutions, featuring eBusiness strategy,
management and technology services make business reinvention possible in
Internet time for large organizations.  AMS is headquartered in Fairfax,
Virginia, with approximately 8,700 employees and 58 offices worldwide.  Forbes
magazine ranked AMS among the best-performing big companies in the U.S. in
1999, and named AMS to its 2000 "Platinum List: America's 400 Best Big
Companies."  Fortune magazine recognized AMS in the 1999 and 2000 lists of the
"100 Best Companies to Work for in America."

    About dealerAccess (http://www.dealeraccess.com )
    dealerAccess is Canada's most experienced indirect auto finance portal,
with over $1 billion of point-of-sale auto leases and loans processed through
1,100 dealers.  dealerAccess allows all participating dealers and financial
institutions to leverage dealerAccess technology, experience and R&D in the
specialized, point-of-sale segment of the financial services market.  With
shareholders including The CIT Group, Bank of Montreal and as announced at the
NADA convention in March, Royal Bank of Canada, dealerAccess isn't a dot.com
start-up.  Through expansion of its network of dealers, funders, and strategic
partners, dealerAccess is committed to becoming one of the leading online
multi-finder auto finance solutions in North America.