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PBDS Announces Partnership with Credit Bureau Gateway Provider, MicroBilt Corporation

Tinton Falls, NJ, May 28, 2001

Automated, Predictive Credit Scoring Now Available for Leasing Companies -- Today PBDS, a leading statistical scoring solution provider, announced a partnership with MicroBilt Corporation, Kennesaw, Georgia, a premier developer of credit access software via the Internet. Through this partnership, which expands MicroBilt's decisioning technology, lessors are now able to score new accounts using industry specific LeaseScore application models while accessing credit bureau information. This advancement enables lessors to utilize more predictive tools to make knowledgeable underwriting decisions, in an instant. MicroBilt implemented through its Software Developers Kit (SDK) and Internet site (CreditCommander.com), PBDS's statistical-based LeaseScore™ application models that incorporate leasing data with commercial and consumer bureau data. The SDK is an Internet based automated credit report retrieval and decisioning tool that provides instantaneous response times and a cost-effective process for companies to integrate data from the three major consumer bureaus and two commercial bureaus right into their applications or web site, increasing productivity throughout the entire credit department. The tool is easy to implement, customers can be up and running in days. Utilizing LeaseScore, MicroBilt will now offer leasing companies the ability to interface credit bureau reporting as well as historical, statistical leasing data directly into their systems for accurate, automated credit decisions. LeaseScore will also be available through CreditCommander.com, the industry's leading site for accessing credit bureaus through one destination. PBDS has expertise in providing knowledge-based commercial credit, collection and marketing statistical decision tools for various sized companies in many industries, with concentration in the areas of financial services, credit cards, and leasing. All models, including LeaseScore, developed by PBDS are continuously validated through the "real world" applications of the Fortune 500 companies, including several top leasing organizations that make up PBDS's client base. LeaseScore application models were developed on leasing transactions up to $100,000, using actual leasing experiences from several small-ticket leasing portfolios. "Our strategic relationship with MicroBilt enables leasing companies to easily obtain scores using bureau information to make accurate credit decisions - instantaneously," said Vernon Gerety, senior vice president of PBDS. "Lessors can now confidently predict lessee risk looking ahead 24 months, consistent with the typical long term leasing relationship." Added, Mike Garretson, Vice President and General Manager of MicroBilt, "MicroBilt and PBDS are offering lessors the ability to leverage information, technology and statistics to effectively make real-time on-line credit decisions. Incorporating LeaseScore into our SDK and CreditCommander.com provides lessors the ability to supplement the scores with their own credit policy rules, generating a superior credit rating system. The MicroBilt and PBDS partnership offers instant access and instant decisioning." About PBDS
PBDS, Inc. provides the leasing and other industries knowledge-based decision solutions by applying its advanced proprietary methods to internal A/R, collection and application data, as well as credit bureau, financial statement, and marketing data. PBDS continuously helps its customers increase their profit margins by providing custom and industry specific statistical credit, risk management, collection, and marketing decision tools. Our analytical staff is comprised of statisticians and econometricians who have extensive experience in developing predictive scoring solutions for a variety of applications, products, types of financing, and industries. Leveraging our industry and statistical expertise with analyzing internal and external data our clients receive the most cost-effective decision models. Established in 1995, PBDS is headquartered in Tinton Falls, NJ. more information regarding PBDS's scoring services, contact Eileen O'Hare at 732-530-9303 or visit www.pbdsinc.com About MicroBilt
MicroBilt, a division of Bristol is a nationwide leader in credit bureau data access and retrieval, providing credit solutions to the Financial (banking, mortgages, home equity, credit union, collections), Rental or Leasing, Health Care, Insurance, Law Enforcement, Educational (Universities, Colleges and institutions of higher learning) and Utilities (gas, electric, cellular, cable, residential phones) industries. MicroBilt provides interfaces with the three consumer bureaus, Equifax (NYSE: EFX), Experian (London Stock Exchange: GUS) and Trans Union and the two commercial bureaus, Dun & Bradstreet (NYSE:DNB) and Experian Business. Bureau data is available via dial-up software, Internet web site access (creditcommander.microbilt.com) or through an integrated custom interface utilizing the Software Developer's Kit. The company also enables web sites to enhance their content offerings by delivering a CreditCommander.com co-branded site to their established online communities. MicroBilt services over 30,000 customers throughout the United States and Canada. MicroBilt (www.microbilt.com), formerly a First Data Corporation (NYSE: FDC) subsidiary, is headquartered in Kennesaw, Georgia with offices in Princeton, New Jersey, South Carolina, Arizona and California. For more information regarding MicroBilt's software, contact Kathleen Houseman at 770-218-4681 or visit www.microbilt.com.

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