BURLINGTON, ON, Feb. 20, 2007— Cyence, a leading provider of front-office loan origination software to the financial services industry, announced today that Fifth Third Bancorp has successfully deployed ExpressOS's Probability of Default (PD) Rating software, a key component of Cyence's ExpressOS front-office commercial lending platform. Employing a user-friendly interface, the bank was able to configure the application's compliance rating module to create a powerful customer risk management rating system.

The integrated solution is expected to deliver to Fifth Third a ten percentage point improvement over its existing risk-rating models, and save the bank the significant costs of re-rating customers by automatically segmenting customers based on risk.

The ExpressOS PD Rating module uses a highly configurable scorecard methodology to calibrate results using a customized data attribute weighting system. Users can substitute ratings between parent and subsidiary companies, compensate for customers in a default status, merge customer records to ensure enterprise-wide data integrity, and create approval mechanisms around the acceptance of ratings.

"In every aspect, the ExpressOS solution provides our customers with the essential features they need to fully quantify risk and make the appropriate decisions, such as complete configurability and seamless integration with existing systems," said Cyence's President, Greg McIntosh. "Fifth Third's rapid configuration and testing of the compliance rating module demonstrates ExpressOS's functional breadth and flexibility."

"ExpressOS's rating module has provided us with even greater customer rating capability,"said Joseph Heller, Fifth Third's Director of Risk Strategies & Reporting. "It houses the PD rating models and plays a vital role in our overall rating solution by allowing us to design and add new qualitative factors to increase the models' predictability." Fifth Third uses ExpressOS's PD Rating module as a component of its solution to extend its current commercial and industrial (C&I) and large corporate rating models. Future initiatives include the configuration of municipal and commercial real estate models.

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About Cyence International Inc.:

Cyence provides front-office software solutions for commercial finance operations. Its ExpressOS™ software solution facilitates and integrates origination, credit underwriting, auditing, and compliance functions. The result: standardized data processes, and business rules across multiple lines of business and their supporting systems. Cyence solutions connect your front-office commercial lending operations anywhere in the world, at any time, with comprehensive integration, automation, and workflow solutions. For more information, visit www.cyence.com.


About Fifth Third Bancorp:

Fifth Third Bancorp is a diversified financial services company headquartered in Cincinnati, Ohio. The Company has $105.8 billion in assets, operates 19 affiliates with 1,152 full-service Banking Centers, including 114 Bank Mart® locations open seven days a week inside select grocery stores and 2,144 Jeanie® ATMs in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Pennsylvania and Missouri. Fifth Third operates five main businesses: Commercial Banking, Branch Banking, Consumer Lending, Investment Advisors and Fifth Third Processing Solutions. Fifth Third is among the largest money managers in the Midwest and, as of September 30, 2006, has $215 billion in assets under care, of which it manages $32 billion for individuals, corporations and not-for-profit organizations. Investor information and press releases can be viewed at www.53.com. Fifth Third's common stock is traded through the NASDAQ National Global Select Market System under the symbol "FITB."