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Postilion provides Commercialbank with integrated POS payments solution

By S1
Dubai, United Arab Emirates and London, UK, 20 May 2008

Postilion, a leading provider of software solutions for self-service banking and payments and a division of S1 Corporation (Nasdaq: SONE), today announced that Commercialbank, one of the largest merchant acquirers in Qatar, has chosen Postilion to deliver innovative payment services to its retail merchant clients.

This implementation will make the bank the first organisation in Qatar to offer flexible integrated point-of-sale (POS) payment services to merchants, enabling faster service and greater accuracy at checkout.

The Postilion solution enables the bank to offer integrated POS payment systems to its merchant clients due to a clear separation between payment and retail functionality. It improves security and transaction times by removing the need for dual entry of the transaction amount and by utilising fast communication lines. The Postilion solution's features, such as centralised configuration control and consolidated management information, also help simplify retail store operations and end-of-day transaction reconciliation.

"We originally wanted to offer integrated POS as an extension of our current merchant acquiring services, but we quickly realised that this was not possible with our existing system. We decided to take a new systems approach in order to support the payment needs of our largest merchants," said Julian Phillips, Manager, Acquiring, Commercialbank. "We chose Postilion because this solution will allow us to offer new services to our merchant clients, as well as improve the overall consumer experience at the point of sale. We believe the innovations inherent in the Postilion solution will distinguish our services from those of our competitors and will attract new merchant business to the bank."

Bruce Butler, Executive General Manager and Chief Consumer Banking Officer for Commercialbank, added: "Postilion's open systems technology means that we can create new value-added services and roll these out to our merchant clients in a short time frame. With Postilion, we will be able to easily control all of our operations across our integrated POS estate from one central place."

"What we have set out to create for Commercialbank is a fully integrated POS infrastructure that provides a long-term platform for future growth, both through attracting new merchant clients as well as increasing the range of services to existing merchants," commented Steve Kirrage, Senior Vice-President and General Manager, Postilion Middle East. "We are seeing a high level of interest in our POS payments and merchant acquiring solutions throughout the Middle East, as they allow banks to minimise their acquiring overhead costs and to differentiate their services."

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Commercialbank

Commercialbank is the leading private sector and second largest commercial bank in Qatar, by total assets, shareholders' equity and market capitalisation, and has total assets of QR 48.8billion. Cb is a full service commercial bank and offers a complete range of retail banking, card services, wealth management, corporate banking, investment banking, Islamic banking, trade finance, and corporate Internet banking services. Commercialbank has a country-wide network of 24 full service branches and 118 ATMs.

Cb has a presence in Oman and the UAE through its affiliates, National Bank of Oman and United Arab Bank. NBO is the second largest bank in Oman with total assets of RO 1.5 billion as at 31 December 2007, and has 51 branches and 93 ATMs in Oman, five branches and five ATMs in Egypt and one branch and two ATMs in Abu Dhabi. UAB is headquartered in Sharjah, with total assets of AED 6.2 billion as at 31 December 2007 and operates nine branches in the UAE.

Cb ranks high among the top 100 Arab Banks and is one of the fastest growing banks in the economically vibrant GCC region. Commercialbank has prime single A credit ratings from all the three globally recognised rating agencies - Moody's, Fitch and S&P.

Postilion

Postilion, a division of S1 Corporation (Nasdaq: SONE), is a leading provider of integrated solutions for self-service banking and payment processing. Our offices, on five continents, serve over 1 500 customers in more than 50 countries. Postilion solutions drive self-service financial transactions and payments, including advanced transactions such as prepay, through Internet access points, ATMs, POS terminals, and phones.

More than 100 000 ATMs and 500 000 POS terminals worldwide run on Postilion solutions. In the United States, over 1 250 credit unions and community financial institutions use Postilion solutions. Built on open systems, Postilion solutions provide consolidated management information, card management, 3DES and EMV enablement, and loyalty management. At the forefront of compliance with new regulations and security enhancements, such as the Payment Card Industry Data Security Standard (PCI DSS) and Visa's Payment Application Best Practices (PABP), Postilion can help customers achieve compliance with the latest data security standards developed by the payment card industry. More information is available at www.postilion.com.

S1 Corporation

S1 Corporation (Nasdaq: SONE) delivers customer interaction software for financial and payment services and offers unique solution sets for financial institutions, retailers, and processors under three brand names: Postilion, S1 Enterprise and FSB Solutions. Additional information about S1 solutions is available at www.s1.com, www.postilion.com, www.S1enterprise.com, and www.fsb-solutions.com