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Instant Credit Modifications Based on Market and Risk Fluctuations Made Simple through MicroBilt

KENNESAW, GA, Jun 18, 2001

Decision Table Eliminates Hours of Development for Credit Managers Who Want to Revolutionize Their Application Process - MicroBilt today announced the release of their Decision Table product which provides a tool for credit managers to automate their internal or online application process with instant decisioning. MicroBilt, a nationwide leader in credit bureau data access and retrieval, provides credit solutions to over 30,000 companies nationwide. Credit managers who wish to automate their credit process can eliminate countless hours in development costs utilizing the Decision Table feature through MicroBilt's Software Developers Kit (SDK). Utilizing either their own credit application or MicroBilt's, credit managers simply define the levels of decisioning they require and what products each customer level will be offered. Instant user interface accessibility provides users access to their decision trees for instant credit modifications based on market and risk fluctuations. Decision Table can retrieve credit data from credit bureaus, apply a companies credit decision criteria and deliver an answer back to customers in 2 to 3 seconds. Companies such as FinMax are interfacing Decision Table to their web sites for instant, online credit decisions. FinMax, an e-commerce site, which enables a vehicle dealer to input customer information into a database and then routes pricing offers back to the dealer, has beta tested Decision Table for it's filtering capabilities. Decision Table allows FinMax to provide its dealer participants with lender recommendations based customer credit information. According to FinMax Chief Operating Officer, Sean Ryan, "This capability is crucial to FinMax in our quest to reduce processing time and costs to all parties involved in the credit transaction". "Decision Table acts as a quick and easy credit filter that companies can modify based on market conditions," states MicroBilt President, Ken Hill. "MicroBilt delivers the tools that small and midsize lenders without technical resources need to make real-time credit decisions and manage risk efficiently." About MicroBilt:
MicroBilt, a division of Bristol Investments, Ltd., is the North American 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, telephone) 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 dedicated terminals, dial-up software, Internet website access (creditcommander.microbilt.com), or through an integrated custom interface utilizing the Software Developers 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. Formerly a First Data Corporation (NYSE: FDC) subsidiary, MicroBilt Corporation (www.MicroBilt.com), maintains offices in Georgia, New Jersey, New York, South Carolina, Arizona, Illinois and California.

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