GetSmart.com Launches Next Generation Loan Marketplace.

New Functionality Includes Instant Approval for Equity Loans and Credit Cards

BURLINGAME, Calif., Sept. 22 /PRNewswire/ -- GetSmart.com ( http://www.getsmart.com ), the online marketplace for consumer and business borrowing, today debuted its next generation web site, which provides consumers an even better way to get money. The site's streamlined look and feel greatly simplifies navigation and increases speed and search productivity. In addition, new features within the site's MortgageFinder and CreditCardFinder tools include instant approval options for numerous home equity products and credit cards offered by member banks.

Another important advancement includes a real time system for transmitting loan inquiries to member banks, thus facilitating faster response to loan prospects. Also, the GetSmart MortgageFinder tool now features decision capability for borrowers seeking home equity lines and loans. Eligible visitors can, at their option, proceed with online loan applications where they can obtain a decision instantly.

"Because preferences vary widely among Internet users, we are continually adding options to meet these different needs," said Stephen Semprevivo, GetSmart.com president. "Most loan shoppers see the web as an ideal resource for gathering information. For those users, we provide our traditional online loan and lender connection option. But we also recognize that a small, but growing percentage of consumers want to complete their entire transaction online, from search to approval. This latest release offers the functionality to service this demand."

About GetSmart.com

GetSmart.com is the borrower's marketplace, providing loan information and connection to lenders, all in one location. In 1998, over eight million visitors to its popular site resulted in over 450,000 completed loan inquiries. These inquiries covered home loans, credit cards, debt consolidation products, student loans and small business financing, offered by hundreds of lenders participating in the GetSmart Marketplace. Founded in 1996, GetSmart.com, Inc. is based in Burlingame, California and is a wholly owned subsidiary of Providian Financial Corporation (NYSE: PVN).