Chevron Detecting Card Fraud With Custom Falcon System From HNC Software.

Business Editors/High-tech Writers

SAN DIEGO--(BUSINESS WIRE)--May 15, 2000

Chevron Corporation (NYSE:CHV) has reached a significant milestone in the protection of its portfolio of more than 13 million outstanding credit cards from fraud losses. The company has successfully implemented Falcon(TM), the leading payment card fraud detection system from HNC Software Inc. (Nasdaq:HNCS).

"The Falcon system has impressed us from the get-go and is already performing above expectations," said Chevron Credit Bank's Chief Credit Officer, Steve Peth. "Our fraud analysts are also quite excited to be working with a solution that can detect fraud while the perpetrator is still at the gas station."

Chevron's implementation of Falcon was specially configured by HNC Financial Solutions, a division of HNC Software, to detect private label oil-card fraud. Falcon currently protects more than 300 million credit card accounts from fraud, including 70 million private label cards.

"The implementation at Chevron demonstrates HNC's continuing commitment to providing solutions for private label card issuers. With an oil-card specific Falcon solution, Chevron is using best-of-breed technology to protect cardholders from fraud and enhance its own efficiency and profitability," said Michael Chiappetta, HNC Financial Solutions Group Vice President of Risk Products.

About Chevron

Headquartered in San Francisco, Chevron is a leading energy and chemical company, operating in about 90 countries through its 500 subsidiaries, partnerships, affiliates, and other entities. Chevron employs about 31,000 people worldwide. Total revenue in 1999 was $36.6 billion.

About HNC Software Inc.

Headquartered in San Diego, California, HNC Software Inc. is a leading provider of predictive software solutions for service industries, including financial, insurance, telecommunications and e-commerce. HNC's suite of predictive software solutions can provide real-time insight into customer relationships based on transaction-level data, helping business-to-consumer companies manage their relationships with individual customers. By accurately predicting customer behaviors, these companies can create initiatives to mitigate risk and attrition; improve customer service; develop marketing programs to enhance profitability, and detect fraudulent customer transactions.

For more information, visit HNC's Web site at http://www.hnc.com or contact Melinda Bateman, HNC Software Inc., 5935 Cornerstone Court West, San Diego, CA 92121, 858/799-3880. For the investor relations hotline, call 800/396-8052.

Note: Falcon is a trademark of HNC Software Inc.

Cautions About Forward-Looking Statements: This press release contains forward-looking statements about events and circumstances that have not yet occurred. For example, words such as "expects," "believes" or other statements in the future tense are forward-looking statements. Actual outcomes and results may significantly differ from expectations in this press release due to a number of risks and uncertainties about the future. Such risks and uncertainties include, without limitation, whether HNC will be able to successfully market their separate and combined product and service offerings to customers and the impact of competitive products and services.