BURLINGAME, Calif.--(BUSINESS WIRE)--June 23, 1999--

NetEarnings(R) today announced the launch of LoanWise(R) (, a groundbreaking online business loan center where small business customers can apply for loans and comparison shop among those for which they're approved -- all in real time.

NetEarnings also announced that American Express has signed with LoanWise to become its first national lender. The latest addition to NetEarnings' portfolio of online financial services for small businesses, LoanWise delivers qualified small businesses one-stop, instant access to multiple lenders offering competitive rates and terms.

"Cash flow is the lifeblood of any small business, and the loans necessary to sustain cash flow are often difficult and time-consuming to find," said NetEarnings' CEO and co-founder Mike Grossman.

"With LoanWise, we offer a solution which exhibits unrivaled ease and speed, backed by the credibility of top lending institutions. There are no other small business products in the Internet space today which offer the benefits that we offer with LoanWise."

Less Time, Less Hassle

Created specifically for small businesses, LoanWise is an online loan center where visitors can fill out a single short loan application, have it evaluated by multiple leading financial institutions, and receive a real-time decision instantly.

The LoanWise application process is simple and straightforward -- enabling businesses to speed through without having to sift through their past tax returns or financial statements. The entire application and approval process is free of charge and takes less than 5 minutes.

Small businesses are thus spared the time and hassle of searching for business loans through conventional channels and freed to focus on their actual, day-to-day business.

In addition to American Express, LoanWise debuts with lending partner Irwin Union Bank. Future lending partners include Bank of Hawaii and Security First Network Bank, the World's First Internet Bank(TM).

About LoanWise

LoanWise is the second product of a strategic alliance between NetEarnings and Fair, Isaac, and Company, Inc. (NYSE:FIC). The alliance's first product, CreditFYI(SM) (, delivers instant, affordable, and easy-to-understand business credit reports over the Internet.

At the core of both LoanWise and CreditFYI is the same predictive technology from Fair, Isaac that is used by lending institutions nationwide to evaluate the relative credit risk of small businesses.

NetEarnings ( is the leader in Internet-based small business finance. It offers small businesses a portfolio of financial services which may be transacted over the Web in real time, thereby providing unrivaled benefits in terms of convenience, time savings, and ease-of-use.

NetEarnings' services are often distributed in association with leading companies that serve the small business market, including financial institutions and major Internet sites. NetEarnings is headquartered in Burlingame, Calif.

Fair, Isaac ( helps businesses worldwide maximize the value of data to make more profitable decisions about their customers, operations and portfolios.

Known for its pioneering work in credit scoring and its use of data in transaction level decisions, Fair, Isaac now delivers data management services, analytics, software, and consulting to the financial services, direct marketing, personal lines insurance, retail, and healthcare industries. Founded in 1956, Fair, Isaac is headquartered in San Rafael, Calif.

Note to Editors: LoanWise and NetEarnings are registered trademarks of NetEarnings, Inc. Fair, Isaac is a registered trademark and CreditFYI is a service mark of Fair, Isaac and Company, Inc. All other trademarks or registered trademarks are properties of their respective holders.

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