IA Systems Earns Experian ''Fast Start'' Certification; IA Systems Certified for Fast Start with Experian, Equifax and Trans Union Data

Business Wire, July 31, 2002

Business Editors

ALBANY, N.Y.--(BUSINESS WIRE)--July 31, 2002

IA Systems, a leading provider of electronic lending solutions for the financial services industry, announced its completion of the Experian(R) Fast Start certification program.

IA System's successful completion of the Fast Start Certification program allows users requesting credit reports from any of the three major credit-reporting agencies to use this data to increase profits, decrease risk, and improve the overall success of their business. Institutions using IA Systems' StreamLend(TM) loan origination software can now

use StreamLend's powerful workflow, risk-based pricing, and decision engines to instantaneously provide loan decisions using data from the Fast Start scoring system. Experian is a global information solutions company.

"The combination of StreamLend(TM) and Fast Start offers our clients a unique competitive advantage," said Deborah Ryan, CEO, IA Systems, "Embedding the Fast Start score card into StreamLend(TM) delivers fast and accurate loan decisions, helping credit unions and banks save time and money."

StreamLend(TM) is an end-to-end loan origination system designed by IA Systems that enables lending institutions to standardize the loan origination process. StreamLend's unique combination of imaging, workflow, decision-making, and electronic signature capabilities lets institutions process loan requests quickly and easily, while avoiding the cost and inefficiencies of a traditional paper-based lending model. By adding an industry-specific scorecard that can analyze credit information from all three major credit-reporting agencies, StreamLend(TM) becomes an even more effective tool for staying ahead in the competitive financial services market.

"Fast Start is a proven solution that provides our clients with a solid decisioning tool that is not only simple to maintain, but also includes a comprehensive consulting service to help clients optimize the use of the Fast Start model for their specific needs," said Martin O'Connor, Vice President of Scoring and Analytics, Experian.

IA Systems is an affiliate of Securian Financial Network (SFN) and Minnesota Life Insurance Company. For more information about StreamLend(TM), contact Frank Gazeley at 518/862-9200 ext.241 (email: fgazeley@iasystems.com), or visit our website at www.iasystems.com.

Experian enables organizations to find the best prospects and make fast, informed decisions to improve and personalize relationships with their customers. It does this by combining sophisticated and intelligent decision-making software and systems with some of the world's most comprehensive databases of information on consumers, businesses, motor vehicles and property. Through multi-channel delivery of its Web-based products and services, Experian enables its clients to conduct secure and profitable e-business and develop state-of-the-art Customer Relationship Management (CRM) systems for communicating and building one-to-one relationships with customers. Experian is a subsidiary of GUS plc and has headquarters in Nottingham, UK, and Costa Mesa, Calif. Its 12,000 people support clients in more than 50 countries. Annual sales are approximately $1.5 billion. For more information, visit the company's Web site at www.experian.com.