Cypress Software to Offer Small Business Loan Application Product; Cypress Solution Works with Fair Isaac's LiquidCredit(R) Decision Engine.

NORTH RICHLAND HILLS, Texas -- Cypress Software Systems, LP is entering the small business commercial loan application processing market with an application processing solution that leverages the power of Fair Isaac Corporation's LiquidCredit decision engine, providing access to SBSS(SM), the market-leading small business risk scores.

Cypress' new product, BizMark, complements its flagship Mark IV consumer loan application processing solution. BizMark can be used to process small commercial loan requests for corporate leases, term loans, lines of credit and corporate credit cards. This includes Small Business Administration (SBA), agriculture and other commercial requests of up to $750,000.

According to data from the SBA, there were nearly 15 million small business loans under $250,000, totaling more than $224 billion in 2003, the most recent year for available data.

"Small businesses are vital to economic growth in our country and represent a powerful opportunity for Cypress Software," said Steve Sargent, president and chief executive of Cypress. "The latest data available from 2003 indicates that there were about 23.7 million small businesses in the U.S., many of whom secured loans for start-up equity or working capital. Our ability to tap this market has significant implications for our future growth."

The BizMark solution consists of a Cypress-delivered .Net/Microsoft SQL Server software platform that, when used in combination with Fair Isaac's LiquidCredit decision engine, allows the user to take a commercial credit application and retrieve credit bureau reports on the company's principals, as well as Experian and D&B business reports on the applying company.

The application entry and credit report results are analyzed automatically along with the lender's credit policies, with the goal of dramatically speeding the loan decision process. Other benefits include lowering the per-application cost of origination; improving the quality of underwriting; providing underwriting consistency; and eliminating the need to re-key data to create loan documents.

Users can manage commercial clients with BizMark's integrated CRM tools that group by relationship and allow for contact management and attachment and emailing of BizMark- and third-party-produced documents.

The Cypress BizMark solution has been developed in the cutting-edge .Net framework, which allows users to work in a familiar and easier-to-use Windows menu-driven environment, while enabling their IT departments to deliver BizMark using a Web browser.

About Cypress Software Systems

Headquartered in North Richland Hills, Texas, Cypress Software Systems, LP is a leading developer of automated credit application decision support technologies. The company serves community and regional banks, finance companies and credit unions with loan application decision and tracking tools on par with those used by larger national lending institutions. The Company's flagship product, Mark IV, is used by clients nationwide to quickly and consistently process consumer loan applications. Cypress Mark IV offers a flexible, risk-based processing approach that includes tracking applications from point of entry to point of decision. BizMark provides expanded features and functionality for small business loan applications. Web Site: www.go-cypress.com.

About Fair Isaac

Fair Isaac Corporation (NYSE:FIC) is the preeminent provider of creative analytics that unlock value for people, businesses and industries. The company's predictive modeling, decision analysis, intelligence management, decision management systems and consulting services power more than 25 billion mission-critical customer decisions a year. Founded in 1956, Fair Isaac helps thousands of companies in over 60 countries acquire customers more efficiently, increase customer value, reduce fraud and credit losses, lower operating expenses and enter new markets more profitably. Most leading banks and credit card issuers rely on Fair Isaac solutions, as do insurers, retailers, telecommunications providers, healthcare organizations and government agencies. Through the www.myFICO.com Website, consumers use the company's FICO scores, the standard measure of credit risk, to manage their financial health. For more information, visit www.fairisaac.com.