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Regional Acceptance Corp. Selects CMSI Systems for Auto Loan Automation Solutions

24 October 2000

Regional Acceptance Corp. Selects CMSI Systems for Auto Loan Automation Solutions

    ANNAPOLIS JUNCTION, Md., Oct. 24 CMSI Systems, Inc., a
wholly owned subsidiary of Credit Management Solutions, Inc.
today announced that Regional Acceptance Corporation has selected the
company's CreditRevue(TM) application processing software system to support
Regional's fast growing non-prime automotive lending business. CreditRevue
automates the indirect lending process by automating credit analysis, risk
assessment and decisioning.
    Regional Acceptance Corporation is an automobile finance company, wholly
owned by Branch Banking and Trust Corporation (BB&T). Headquartered in
Greenville, North Carolina, Regional focuses on non-prime lending for
previously owned vehicles. Regional currently has six regions and over 40
branches in the Carolinas, Virginia, Tennessee, Florida, Georgia, Maryland,
and Ohio.
    "We chose the CreditRevue system because it is the Cadillac of automated
loan application systems," said Brian House, Regional's MIS Operations
Manager. "Because of Regional's rapid growth rate, we needed to select a
system that would afford us accessibility to our dealers while also providing
scalability in size."
    "Regional's primary goal is to be the premier non-prime lender in the
United States and we felt that CMSI Systems was the superior choice to help us
achieve this goal," House said. "CreditRevue's ability to handle our workflow
in a decentralized manner fit our process model perfectly. Plus, CreditRevue
has numerous advanced capabilities-such  as the ability to quickly retrieve
credit reports online and the ability to flag high risk loans in our portfolio
-- that contributed to our decision to select CMSI."
    "We're extremely pleased that Regional Acceptance Corporation chose the
CreditRevue system to help them achieve their business objectives," said Miles
Grody, President and CEO of CMSI Systems, Inc. "We look forward to working
with them to meet their goals and to deliver quality service that meets and
exceeds their expectations."

    About CMSI
    Since it was founded in 1987, CMSI has been a premier provider of credit
automation software and services, including Internet-based online lending and
leasing technology.  Corporate clients include leading organizations in the
banking, finance, automotive, student lending, and telecommunications
industries. Through its CMSI Systems, Inc. subsidiary, CMSI licenses credit
decisioning and other automation systems and services for consumer and
business credit that have been the choice of the some of the world's most
demanding credit grantors. The Company's e-commerce subsidiary, Credit Online,
Inc., credit-enables business-to-business and business-to-consumer
transactions through its Internet gateway and funding exchange network.  Its
patented CreditOnline(TM) and CreditConnection(R)  technology links credit
originators (such as automobile dealers) and borrowers with an extensive
network of leading prime and non-prime lenders. CreditRevue, CreditConnection,
and CreditOnline are trademarks or registered trademarks of Credit Management
Solutions, Inc.

    About Regional Acceptance Corporation
    Regional Acceptance Corporation is a consumer finance company specializing
in indirect used automobile lending, based in Greenville, North Carolina.
Regional Acceptance Corporation finances purchases of pre-owned automobiles
for consumers who typically have limited access to other sources of consumer
credit, and offers credit insurance and other insurance products in
conjunction with its loan transactions. Regional Acceptance Corporation has
six regions and over 40 branch offices located in the Carolinas, Virginia,
Tennessee, Florida, Georgia, Maryland and Ohio. The company is a subsidiary of
Branch Banking and Trust Corporation (BB& T). Its Web site address is
http://www.regionalacceptance.com.

    Press releases and other CMSI information can be found on our Web site:
http://www.cmsinc.com.

    This press release contains forward-looking statements.  All forward-
looking statements involve risks and uncertainties, including, without
limitation, the risks detailed in CMSI's filings and reports with the
Securities and Exchange Commission.  Such statements are only predictions and
actual events or results may differ materially.