Nextbill Company Profile

ATLANTA (April 13, 1999)... Brinkman Technologies, Inc. (BTI) announces today at Payments '99 in Atlanta that Tucker Federal Bank will become the first financial institution to pilot its new NextBill Electronic Bill Presentment and Payment (EBPP) system.

With this agreement, Tucker Federal Bank becomes the first financial institution in the nation to become a turnkey EBPP service bureau. By implementing the NextBill system, the Georgia-based Tucker Federal will be able to offer its commercial customers the ability to send bills and receive payments via e-mail and compete against the dominant "third party" processors, CheckFree and TransPoint.

Tucker Federal Bank, the largest subsidiary of Eagle Bancshares, Inc. (NASDAQ: EBSI), will also be able to use the program for electronic billing and payment collection in its own mortgage, credit card and loan programs, as well as the electronic distribution of customer statements.

The NextBill system follows a new direct billing model, an electronic version of the traditional billing model of receiving a bill in the mail and returning a paper check. With this technology, a merchant will send billing statements directly to customers via e-mail. Customers make payment by clicking on a "Pay Bill" hyperlink to an online payment screen where payment options can be set. The payment is then processed using the Federal Reserve's ACH system.

In contrast, the predominant "consolidator" model, in which billing information is routed to a third party processor for presentment on a bill consolidation or participating bank's Web site, requires consumers to visit a bill presentment Web site to find their bills and make payment. Transaction fees are assessed to the billers and banks by the third party processor for each payment processed. Billers using the NextBill system do not incur per-item transaction fees, significantly lowering the cost of the billing cycle.

"NextBill offers Tucker Federal an entirely new opportunity," said Mark Brinkman, BTI president. "Until now, banks have been presented no option other than the third-party model in which they were offered minimal opportunity to capture revenue and have no control over the bill payment process. With NextBill, banks can use existing in-house technology to recapture those fees and take control over the bill payment process. They will also be able to attract new commercial customers by competing in the market as a service bureau."

"We're excited about the possibilities the NextBill system offers our customers," said Richard B. Inman, Jr., President and CEO of Tucker Federal Bank. "After comparing the system to other EBPP models, and looking at Brinkman's proven track record with ALLTEL and banks around the country, we concluded that this online billing system makes the most sense for us and allows us to proceed with our technology strategy."



	TUCKER FEDERAL FIRST BANK TO PILOT NEXTBILL SYSTEM Atlanta Bank Takes Direct Route for E-Billing ATLANTA (April 13, 1999)... Brinkman Technologies, Inc. (BTI) announces today at Payments '99 in Atlanta that Tucker Federal Bank will become the first financial institution to pilot its new NextBill Electronic Bill Presentment and Payment (EBPP) system. With this agreement, Tucker Federal Bank becomes the first financial institution in the nation to become a turnkey EBPP service bureau. By implementing the NextBill system, the Georgia-based Tucker Federal will be able to offer its commercial customers the ability to send bills and receive payments via e-mail and compete against the dominant "third party" processors, CheckFree and TransPoint. Tucker Federal Bank, the largest subsidiary of Eagle Bancshares, Inc. (NASDAQ: EBSI), will also be able to use the program for electronic billing and payment collection in its own mortgage, credit card and loan programs, as well as the electronic distribution of customer statements. The NextBill system follows a new direct billing model, an electronic version of the traditional billing model of receiving a bill in the mail and returning a paper check. With this technology, a merchant will send billing statements directly to customers via e-mail. Customers make payment by clicking on a "Pay Bill" hyperlink to an online payment screen where payment options can be set. The payment is then processed using the Federal Reserve's ACH system. In contrast, the predominant "consolidator" model, in which billing information is routed to a third party processor for presentment on a bill consolidation or participating bank's Web site, requires consumers to visit a bill presentment Web site to find their bills and make payment. Transaction fees are assessed to the billers and banks by the third party processor for each payment processed. Billers using the NextBill system do not incur per-item transaction fees, significantly lowering the cost of the billing cycle. "NextBill offers Tucker Federal an entirely new opportunity," said Mark Brinkman, BTI president. "Until now, banks have been presented no option other than the third-party model in which they were offered minimal opportunity to capture revenue and have no control over the bill payment process. With NextBill, banks can use existing in-house technology to recapture those fees and take control over the bill payment process. They will also be able to attract new commercial customers by competing in the market as a service bureau." "We're excited about the possibilities the NextBill system offers our customers," said Richard B. Inman, Jr., President and CEO of Tucker Federal Bank. "After comparing the system to other EBPP models, and looking at Brinkman's proven track record with ALLTEL and banks around the country, we concluded that this online billing system makes the most sense for us and allows us to proceed with our technology strategy." More press releases