HNC				Equifax
Patricia Campbell, Marketing	Dave Mooney, Dir, PR
(619) 546-8877			(404) 885-8117
pdc@hnc.com			dave.mooney@equifax.com

Equifax Card Solutions To Offer HNC Software's Profitmax

ProfitMax uses neural networks, expert rules bases, and HNC's cardholder behavior profiling technology to analyze each cardholder account and predict its future profit. Three neural network-based models-Credit Risk, Revenue Potential, and Attrition Risk-are used along with historical data to give a well-rounded picture of the expected profitability of each account in an issuer's portfolio on a transaction-by-transaction basis.

ProfitMax has a modular design that facilitates its use with the Equifax Card Management system that Equifax clients use to manage their cardholder accounts. Equifax clients will have the option of using ProfitMax with either custom or "consortium" models. A consortium model enables economies of scale by allowing issuers to share a model built on their combined data.

Larry Towe, senior vice president and general manager, Equifax Card Solutions, said, "Equifax Card Solutions is making ProfitMax available because clients have learned to expect innovative decision solutions from us. The power of ProfitMax to predict profitability opens new doors to how our clients can make decisions about their card portfolios."

"In working with Equifax in our recently announced strategic alliance, I've grown to appreciate their serious commitment to the announced goal of being a company whose information, processing, and knowledge-based solutions are increasingly instrumental in shaping global commerce," said Allen Jost, Vice President of Business Development at HNC. "HNC is pleased to be part of the Equifax solution."

Equifax is a leading provider of information, processing, consulting and software solutions that facilitate and enhance buyer-seller transactions worldwide. The company serves businesses in the banking, finance, retail, credit card, telecommunications/utilities and health care administration industries. Equifax is changing the shape of global commerce through growth and innovation, driven by technology and people. It operates globally in 17 countries, with sales in 40 countries. Founded in 1899 in Atlanta, Equifax (NYSE: EFX) today has 10,000 employees around the world. Revenues for the 12 months ended September 30, 1997, exceeded $1.3 billion.

Headquartered in San Diego, California, HNC Software Inc. (NASDAQ: HNCS) is a world leader in the application of neural network technology in client/server environments. The company develops, markets, integrates, and supports advanced decision software based on computational intelligence. HNC provides practical solutions in the areas of payment systems, financial services, retail, insurance information, data mining, and Internet commerce. For more information, contact Patsy Campbell, Director of Marketing, HNC Software Inc., 5930 Cornerstone Court West, San Diego, CA 92121, (619) 546-8877. For investor relations hotline, call (800) 396-8052.

ProfitMax is a registered trademark of HNC Software Inc.