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PARTNERS: FICO

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PARTNERS: Fair, Isaac and Company

Fueled by LiquidCreditFair, Isaac and Company, is the preeminent provider of creative analytics that unlock value for people, businesses and industries. The company's predictive modeling, decision analysis, intelligence management and decision engine systems power more than 14 billion decisions a year. Founded in 1956, Fair, Isaac helps thousands of companies in over 60 countries acquire customers more efficiently, increase customer value, reduce risk and credit losses, lower operating expenses and enter new markets more profitably. Most leading banks and credit card issuers rely on Fair, Isaac's analytic solutions, as do insurers, retailers, telecommunications providers and other customer-oriented companies. Through the www.myFICO.com Web site, consumers use the company's FICOŽ scores, the standard measure of credit risk, to manage their financial health.

Alliance Mission: X/Net and Fair, Isaac are working together to offer joint customers a complete credit origination solution. X/Net's CrediSphere Standard Edition credit origination system and Fair, Isaac and Co.'s LiquidCredit® decision engine combine to provide customers with access to Fair, Isaac's application-specific gold standard pooled data models and X/Net's world-class credit origination system.



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© 2004 X/Net Associates, Inc. CrediSphere is a trademark of X/Net Associates, Inc. Fair, Isaac and the Fair, Isaac product and service names are trademarks and service marks or registered trademarks and service marks of Fair, Isaac and Company, Inc. All other marks belong to their respective owners. All rights reserved.