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Digital Dialogue Joins Forces with Real-Time Kiosks to Provide Automated Lending Kiosks

New partnership enables credit unions to offer expanded and remote lending services to members

Taylor, Mich., Oct. 15, 2001 - Digital Dialogue, an Internet-based multi-channel call center that enables credit unions to provide members with 24-hour lending services, today announced that it has signed an agreement with Real-Time Kiosks, provider of full-function, self-service financial kiosks, to produce the credit union industry's first kiosks with fully-integrated lending center capabilities. The loan kiosk will be available for credit unions in early 2002.

The kiosks will act as Automated Lending Centers and will allow credit union members to complete a loan application, receive approval for a loan in less than 10 seconds and receive the closing documents and a loan check at the kiosk. The entire transaction can be handled in a manner of minutes; either without human intervention or with assistance from call center agents as needed by the member. Credit unions benefit from the lending kiosks because of the potential increase in loan origination without a commensurate increase in expenses and the ability to generate loans at non-branch locations. The loan kiosks are intended to be placed in credit union lobbies, SEG locations, shopping malls and retail outlets such as automobile dealerships. New electronic member enrollment capability is also available through the kiosk for credit unions that choose this option. There are also plans to develop Shared Kiosks where members from multiple credit unions can access the kiosks.

"This partnership with Digital Dialogue is exactly what we were looking for," said Rick Scali, division director for Real-Time Kiosks. "They provide the 24 hour loan center part of the solution and we bring the full-function, self-service kiosk. One of the most distinguished features of our combined technologies is that a member can begin the loan process over the Internet or telephone, complete it at the kiosk, or simply go to the kiosk for loan documents and receive a loan disbursement check, all within minutes. Together, we have a phenomenal solution that provides credit unions with a better way to provide loans to their members."

The loan approval process on the loan kiosk is a secure transaction because of the security features that are an integral part of Real-Time's standard full-function kiosks. By combining biometrics, digital photography and electronic signatures, fraud is virtually eliminated. The system creates a detailed transaction history that includes a photograph of the member performing the transaction and digital images of all documents involved, including the borrower's signature. With Digital Dialogue's loan approval functionality, the process is simple, safe and convenient for credit union members wherever the kiosk is located.

"The Real-Time kiosk combined with Digital Dialogue's lending capabilities and agent assistance will greatly impact the way credit unions generate loans," said Howard Hoemann, Digital Dialogue vice president of sales and marketing. "The costs for credit unions are reduced, loan volume is increased and members have access to a convenient means of securing a loan with live assistance, if and when needed, 24 hours a day, seven days a week."

About Real-Time Kiosks
Real-Time Data Management Services, Inc., a privately held Virginia corporation, headquartered in Norfolk, VA, has been an exclusive credit union online data processing service provider for more than 19 years. Real-Time Kiosks, a division of Real-time Data Management Services, is the leading provider of Self-Service Financial Transaction Kiosks in the credit union industry. The Real-Time Kiosk System, which focuses on full function self-service member transaction processing, utilizes biometric finger imaging for positive member identification, and pioneered member deposit receipts that reflect reduced images for member deposited items.

About Digital Dialogue
Digital Dialogue is a joint venture between Dialogue Marketing, an award winning call center, and The Maxxar Corp., a well-respected computer telephony integration (CTI) development company with more than 2,000 installations. Digital Dialogue provides financial institutions with high levels of customer and member service using the latest Internet and telephony technologies. The business responds to consumers' rapid adoption of multiple communication channels available 24 hours each day. For more information visit www.digital-dialogue.com.

Rae Dutton
Account Agent
William Mills Agency

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