Document:

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                                                                   EXHIBIT 10.33

                      SECURED FULL RECOURSE PROMISSORY NOTE

                              San Diego, California

$_______________________                                         JANUARY 2, 2001
 [ADD TOTAL PRINCIPAL]                                      [ADD EFFECTIVE DATE]

Reference is made to that certain Secured Full Recourse Promissory Note made and
given by the undersigned ("PAYOR") to HNC Software Inc., a Delaware corporation
(the "COMPANY") attached hereto as Exhibit 1 (the "PRIOR NOTE") that was
tendered to the Company by Payor as partial payment for the shares of the Common
Stock of the Company purchased by Payor pursuant to that certain Stock Option
Exercise Agreement or Agreements between Payor and the Company dated as of the
same date as the Prior Note (the "PURCHASE AGREEMENT"). The Purchase Agreement
was executed by Payor under certain stock plans of the Company (each of such
plans is referred to herein as "PLAN"). This Secured Full Recourse Promissory
Note (this "NOTE") is being tendered by Payor to the Company as a modification
and extension of the Prior Note and will replace the Prior Note.

               1.     OBLIGATION. In modification and extension of the Prior
Note, which was tendered by the Payor to the Company in exchange for the
issuance to the Payor, pursuant to the Purchase Agreement, of ______ shares of
the Company's Common Stock (the "SHARES"), receipt of which is hereby
acknowledged and _____, shares of Retek Inc., receipt of which is also hereby
acknowledged, Payor hereby promises to pay to the order of the Company on
or before the Maturity Date (as defined below),at the Company's principal
place of business located at 5935 Cornerstone Ct. W. San Diego, CA 92121
or at such other place as the Company may direct, the principal sum of
___________________________________________________ Dollars ($__________)
together with interest accrued on the unpaid principal at the rate of ten
percent (10%) per annum (which rate is not less than the minimum rate
established pursuant to Section 1274(d) of the Internal Revenue Code of 1986, as
amended, on the earliest date on which there was a binding contract in writing
for the purchase of the Shares); provided, however, that the rate at which
interest will accrue on unpaid principal under this Note will not exceed the
highest rate permitted by applicable law. All payments hereunder shall be made
in lawful tender of the United States. As used herein, the term "MATURITY DATE"
means that time and date which is the earliest to occur of: (a) the sale of any
of the Shares or other securities that are pledged to the Company pursuant to a
Stock Pledge Agreement dated of even date with this Note between the Company and
Payor (the "PLEDGE AGREEMENT"); (b) the expiration date of the stock option
agreement pursuant to which the Purchase Agreement is executed; (c) the Payor's
termination of employment or other service with the Company or any subsidiary of
the Company; (d) the occurrence of an Event of Default as provided in Section 3
below; or (e) September 14, 2001.

               2.     SECURITY. The performance of Payor's obligations under
this Note shall be secured by a first security interest in the Shares and
certain other collateral granted to the Company by Payor under the Pledge
Agreement. If the Payor is not an employee or director of the Company or
subsidiary of Company, Purchase must pledge other collateral acceptable to
Company.

               3.     EVENTS OF DEFAULT.

                      (a)    Payor will be deemed to be in default under this
Note upon the occurrence of any of the following events (each, an "EVENT OF
DEFAULT"): (i) Payor's failure to make any payment when due under this Note;
(ii) Payor's employment or other service with the Company or a subsidiary of the
Company has Terminated (as set forth in the Plan); (iii) the failure of any
representation

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or warranty of Payor in the Pledge Agreement to have been true, the failure of
Payor to perform any obligation of Payor under the Pledge Agreement, or any
other breach by the Payor of the Pledge Agreement; (iv) any voluntary or
involuntary transfer of any of the Shares or any of the other collateral pledged
by Payor to the Company under the Pledge Agreement or any interest therein
(except a transfer to the Company); (v) the filing by or against Payor of any
voluntary or involuntary petition for relief under the United States Bankruptcy
Code or the initiation of any proceeding by or against Payor under federal law
or any law of any other jurisdiction for the general relief of debtors; (vi) the
execution by Payor of an assignment for the benefit of creditors or the
appointment of a receiver, custodian, trustee or similar party to take
possession of Payor's assets or property; or (vii) a decrease in the aggregate
value of the Collateral below the limit set forth in Section 3(b) that is deemed
to be an Event of Default under Section 3(b) below.

                      (b)    Event of Default due to decline in Value of
Collateral. As noted in Section 2 and pursuant to the Pledge Agreement, Payor is
granting the Company a first security interest in, and is pledging to the
Company, the shares, certain shares of the common stock of Retek, Inc., a
Delaware corporation ("RETEK") and other properties, including any stock
dividends declared or paid on the Shares or on such Retek shares (the Shares,
the Retek shares and such other properties and assets pledged to the Company
under the Pledge Agreement being hereinafter collectively referred to as the
"COLLATERAL") as security for the repayment of this Note. Beginning on the first
Friday after the date of this Note, and on each successive Friday thereafter (or
the next trading day, if such Friday is not a trading day) while any balance is
still due and outstanding under this Note (each such Friday being hereinafter
called a "VALUATION DATE"), all Collateral shall be valued by the Company as
follows: (a) the Shares and the shares of Retek common stock included in the
Collateral and any other publicly traded securities that may be included in the
Collateral shall be deemed to have a value equal to the publicly announced
closing price of such shares or securities on the Valuation Date; and (b) any
Collateral that does not consist of publicly traded securities shall be valued
by the Audit Committee of HNC's Board of Directors in good faith as of the
applicable Valuation Date. If the aggregate value of all the Collateral on a
Valuation Date (determined as provided above) is less than the total amount of
principal and accrued interest remaining due under this Note, then such fact
shall constitute the occurrence of an Event of Default (within the meaning of
Sections 1 and 3(a)) under this Note effective as of the next Valuation Date
occurring after the aforementioned Valuation Date ("NEXT VALUATION DATE")
unless, on and as of the next Valuation Date, the aggregate value of all the
Collateral (determined as of the next Valuation Date in the manner provided
above) is greater than the amount of all the unpaid principal and accrued
interest outstanding under this Note as of the next Valuation Date, after taking
into account any partial payments on this Note made by Payor on or prior to the
next Valuation Date.

               4.     ACCELERATION; REMEDIES ON DEFAULT. Upon the occurrence of
any Event of Default, at the option of the Company, all principal and other
amounts owed under this Note shall become immediately due and payable in full
without notice or demand on the part of the Company, and the Company will have,
in addition to its rights and remedies under this Note, the Pledge Agreement,
full recourse against any real, personal, tangible or intangible assets of
Payor, and may pursue any legal or equitable remedies that are available to it.
In full or partial payment of any amounts due under this Note in the event of
Default, Payor expressly authorizes the Company to withhold up to (a) 25% of the
amount of each of Payor's paycheck or bonus from Company (after other reductions
for taxes and benefits); and (b) 100% of any expense reimbursement.

               6.     PREPAYMENT. Prepayment of all or a portion of any
outstanding principal and/or other amounts owed under this Note may be made at
any time without penalty. Unless otherwise agreed in writing by the Company,
each payment on this Note (including but not limited to any payments made as
contemplated by Section 3(b) to keep the balance due under this Note from
exceeding the value of the Collateral) will be applied to the extent of
available funds from such payment in the following order: (i) first to the
accrued and unpaid costs and expenses under the Note or the Pledge Agreement,
(ii) then to accrued but unpaid interest, and (iii) lastly to the outstanding
principal. While partial payments are permitted, no security shall be released
until the Note is paid in full.

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               7. GOVERNING LAW; WAIVERS. The validity, construction and
performance of this Note will be governed by the internal laws of the State of
California, excluding that body of law pertaining to conflicts of law. Payor
hereby waives presentment, notice of non-payment, notice of dishonor, protest,
demand and diligence.

               8. ATTORNEYS' FEES. If suit is brought for collection of this
Note, Payor agrees to pay all reasonable expenses, including attorneys' fees,
incurred by the holder in connection therewith whether or not such suit is
prosecuted to judgment.

               IN WITNESS WHEREOF, Payor has executed this Note as of the date
and year first above written.

__________________________________      __________________________________
Payor's Name [type or print]            Payor's Signature

       [SIGNATURE PAGE TO SECURED FULL RECOURSE PROMISSORY NOTE PAYABLE TO
                               HNC SOFTWARE INC.]

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                             STOCK PLEDGE AGREEMENT

               This Stock Pledge Agreement (the "PLEDGE AGREEMENT") is made and
entered into as of JANUARY 2, 2001 between HNC Software Inc., a Delaware
corporation (the "COMPANY"), and _________________ (the "PLEDGOR"). Capitalized
terms that are not defined herein shall have the meanings ascribed to them in
the Secured Full Recourse Promissory Note ("Note") of even date herewith
delivered by Pledgor to the Company on any extension thereof (such note and
extension referred to as the "NOTE").

                                 R E C I T A L S

               A.     In exchange for delivery of the Note to the Company, the
Company has issued and sold to Pledgor ________ shares of its Common Stock,
$0.001 par value per share, (the "SHARES") and ________ shares of Retek Inc.
Common Stock, pursuant to the terms and conditions of that certain Purchase
Agreement. In connection therewith, Pledgor made a promissory note payable
("PRIOR NOTE") to the Company and executed a pledge agreement pursuant to that
promissory note.

               B.     The Note has been entered into as a modification and
extension of the Prior Note and Pledgor has agreed that repayment of the Note
will be secured by the pledge of the Shares pursuant to this Pledge Agreement,
which is a modification and extension of the prior pledge agreement.

               NOW, THEREFORE, the parties agree as follows:

               1.     CREATION OF SECURITY INTEREST. Pursuant to the provisions
of the California Commercial Code, Pledgor hereby grants to the Company, and the
Company hereby accepts, a first and present security interest in (i) the Shares,
including all Retek shares received as a dividend in connection with ownership
of Shares (iii) all Dividends (as defined in Section 5 hereof), (iv) all
Additional Securities (as defined in Section 6 hereof), to secure payment of the
Note and performance of all Pledgor's obligations under this Pledge Agreement.
Pledgor herewith delivers to the Company Common Stock certificate(s) No(s).
_______________________________, and Retek Common Stock certificate(s) No(s).
_________, together with one or more stock power(s) for each certificate so
delivered in the form attached as an Exhibit to the Purchase Agreement, duly
executed (with the date and number of shares left blank) by Pledgor and
Pledgor's spouse, if any and (iv) such other property acceptable to Company if
Payor is not an employee or director of the Company or subsidiary of Company.
For purposes of this Pledge Agreement, the Shares, including Retek shares, all
Dividends, and all Additional Securities will hereinafter be collectively
referred to as the "COLLATERAL." Pledgor agrees that the Collateral will be
deposited with and held by the Escrow Holder (as defined in the below) and that,
notwithstanding anything to the contrary in the Purchase Agreement, for purposes
of carrying out the provisions of this Pledge Agreement, Escrow Holder will act
solely for the Company as its agent.

               2.     REPRESENTATIONS AND WARRANTIES AND COVENANTS REGARDING
COLLATERAL. Pledgor hereby represents and warrants to the Company that Pledgor
has good title (both record and beneficial) to the Collateral, free and clear of
all claims, pledges, security interests, liens or encumbrances of every nature
whatsoever, and that Pledgor has the right to pledge and grant the Company the
security interest in the Collateral granted under this Pledge Agreement. Pledgor
further agrees that, until all sums due under the Note have been paid in full,
and all of Payor's obligations under this Pledge Agreement have been performed,
Payor will not, without the Company's prior written consent, (i) sell, assign or
transfer, or attempt to sell, assign or transfer, any of the Collateral, or (ii)
grant or create, or attempt to grant or create, any security interest, lien,
pledge, claim or other encumbrance with respect to any of the

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Collateral or (iii) suffer or permit to continue upon any of the Collateral
during the term of this Pledge Agreement, an attachment, levy, execution or
statutory lien.

               3.     RIGHTS ON DEFAULT. Upon an occurrence of an Event of
Default under the Note, the Company will have full power to sell, assign and
deliver or otherwise dispose the whole or any part of the Collateral at any
broker's exchange or elsewhere, at public or private sale, at the option of the
Company, in order to satisfy any part of the obligations of Pledgor now existing
or hereinafter arising under the Note or under this Pledge Agreement. On any
such sale, the Company or its assigns may purchase all or any part of the
Collateral. In addition, at its sole option, the Company may elect to retain all
the Collateral in full satisfaction of Pledgor's obligation under the Note, in
accordance with the provisions and procedures set forth in the California
Uniform Commercial Code. Pledgor agrees at the Company's request, to cooperate
with the Company in connection with the disposition of any and all of the
Collateral and to execute and deliver any documents which the Company shall
reasonably request to permit disposition of the Collateral.

               4.     ADDITIONAL REMEDIES. The rights and remedies granted to
the Company herein upon an Event of Default will be in addition to all the
rights, powers and remedies of the Company under the California Uniform
Commercial Code and applicable law and such rights, powers and remedies will be
exercisable by the Company with respect to all of the Collateral. Pledgor agrees
that the Company's reasonable expenses of holding the Collateral, preparing it
for resale or other disposition, and selling or otherwise disposing of the
Collateral, including attorneys' fees and other legal expenses, will be deducted
from the proceeds of any sale or other disposition and will be included in the
amounts Pledgor must tender to redeem the Collateral. All rights, powers and
remedies of the Company will be cumulative and not alternative. Any forbearance
or failure or delay by the Company in exercising any right, power or remedy
hereunder will not be deemed to be a waiver of any such right, power or remedy
and any single or partial exercise of any such right, power or remedy hereunder
will not preclude the further exercise thereof.

               5.     DIVIDENDS; VOTING. All dividends hereinafter declared on
or payable with respect to any Collateral during the term of this Pledge
Agreement (excluding only ordinary cash dividends, which will be payable to
Pledgor so long as no Event of Default has occurred under the Note) (the
"DIVIDENDS") will be immediately delivered to the Company to be held in pledge
under this Pledge Agreement. Notwithstanding this Pledge Agreement, so long as
Pledgor owns the Shares and no Event of Default has occurred under the Note,
Pledgor will be entitled to vote any shares comprising the Collateral, subject
to any proxies granted by Pledgor.

               6.     ADJUSTMENTS. In the event that during the term of this
Pledge Agreement, any stock dividend, reclassification, readjustment, stock
split or other change is declared or made with respect to the Collateral, or if
warrants or any other rights, options or securities are issued in respect of the
Collateral, (the "ADDITIONAL SECURITIES") then all new, substituted and/or
additional shares or other securities issued by reason of such change or by
reason of the exercise of such warrants, rights, options or securities, will be
(if delivered to Pledgor, immediately surrendered to the Company and) pledged to
the Company to be held under the terms of this Pledge Agreement as and in the
same manner as the Collateral is held hereunder.

               7.     ESCROW HOLDER. The Escrow Holder shall be the Company or
its designee.

               8.     REDELIVERY OF COLLATERAL; NO RELEASE FOR PARTIAL PAYMENT.

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                      (a)    Until all obligations of Pledgor under the Note and
under this Pledge Agreement have been satisfied in full, all Collateral will
continue to be held in pledge under this Pledge Agreement

                      (b)    Upon performance of all Pledgor's obligations under
the Note and this Pledge Agreement, and subject to the terms and conditions of
the Purchase Agreement, the Company will immediately redeliver the Collateral to
Pledgor and this Pledge Agreement will terminate.

               9.     FURTHER ASSURANCES. Pledgor shall, at the Company's
request, execute and deliver such further documents and take such further
actions as the Company shall reasonably request to perfect and maintain the
Company's security interest in the Collateral, or in any part thereof.

               10.    SUCCESSORS AND ASSIGNS. This Pledge Agreement will inure
to the benefit of the respective heirs, personal representatives, successors and
assigns of the parties hereto.

               11.    GOVERNING LAW; SEVERABILITY. This Pledge Agreement will be
governed by and construed in accordance with the internal laws of the State of
California, excluding that body of law relating to conflicts of law. Should one
or more of the provisions of this Pledge Agreement be determined by a court of
law to be illegal or unenforceable, the other provisions nevertheless will
remain effective and will be enforceable.

               12.    MODIFICATION; ENTIRE AGREEMENT. This Pledge Agreement will
not be amended without the written consent of both parties hereto. This Pledge
Agreement, together with the Note constitute the entire agreement of the parties
hereto with respect to the subject matter hereof and supersedes all prior
agreements and understandings related to such subject matter.

               IN WITNESS WHEREOF, the parties hereto have executed this Pledge
Agreement as of the date and year first above written.

HNC SOFTWARE INC.                       PLEDGOR

By:________________________________     ___________________________________
                                        (Signature)

___________________________________     ___________________________________
(Please print name)                     (Please print name)

___________________________________
(Please print title)

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                         FINANCIAL DISCLOSURE STATEMENT

NAME:___________________________________________________________

SOCIAL SECURITY NUMBER:_________________________________________

NAME OF SPOUSE:_________________________________________________

SOCIAL SECURITY NUMBER:_________________________________________

NUMBER OF DEPENDENTS:___________________________________________

COMBINED ANNUAL INCOME:_________________________________________

COMBINED NET WORTH:_____________________________________________

COMBINED LIQUID ASSETS (INCLUDING LOAN COLLATERAL):_____________

RESIDENCE:     RENT/OWN?________________________________________

ANNUAL MORTGAGE:________________________________________________

I CERTIFY, UNDER PENALTIES OF PERJURY, THAT THE INFORMATION PROVIDED ON THIS
FORM ARE TRUE, CORRECT AND COMPLETE.

SIGNATURE:__________________________________________________ DATE:______________

SIGNATURE OF SPOUSE:________________________________________ DATE:______________

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                                                                   EXHIBIT 10.35

                         STRATEGIC PARTNERSHIP AGREEMENT

        This Strategic Partnership Agreement is made on October 23, 2000 (the
"Effective Date") between GeoTrust, Inc. ("GeoTrust"), an Oregon corporation,
whose principal place of business is 309 SW 6th Avenue, Suite 700, Portland, OR
97204, and HNC Software Inc. ("HNC"), a Delaware corporation, whose principal
place of business is at 5935 Cornerstone Court West, San Diego, CA 92121.

1.      SERVICES

        (a)    Installation. HNC will perform services described in Exhibit A
related to the installation and integration of the Capstone(TM) Model Manager
("CMM"), the Capstone Strategy Manager ("CSM") and the Capstone Decision Manager
("CDM") (as an integrated suite of applications, the "HNC Software"), subject to
GeoTrust's cooperation and timely performance of any responsibilities described
in Exhibit A. HNC may perform further services related to the HNC Software as
mutually agreed by the parties, which shall be reflected in amendments or
supplements to Exhibit A (serially numbered A-1, A-2, etc), signed by the
parties and attached hereto.

        (b)    Other Services. From time to time during the term of this
Agreement, HNC may perform services other than those relating to the HNC
Software. Such services shall be performed pursuant to terms agreed by the
parties in writing and attached hereto pursuant to Section 11(j). Fees for such
services shall not be subject to the discounts described in Section 4 of this
Agreement.

2.      SERVICE FEES

        (a)    Discounted Service Fees; Fee Limit. GeoTrust shall pay HNC fees
for services relating to the HNC Software, on a time and materials basis, at the
discounted rates set forth in Exhibit B ("Discounted Fees"). Such rates shall
apply until the first anniversary of the Effective Date (the "Discount Period").
Without the prior written consent of GeoTrust, in no event shall the total of
all fees invoiced for services performed hereunder by HNC with respect to the
HNC Software during the Discount Period exceed US$500,000, taking into account
the foregoing discount and excluding all travel-related expenses.

        (b) Warrants. Within 60 days after the end of each of the four
three-month periods during the Discount Period (each, a "Warrant Period"),
Geotrust will issue to HNC a warrant, in the form attached hereto as Exhibit C,
to purchase such number of shares of GeoTrust common stock as equals the total
of all Discounted Fees invoiced during such Warrant Period (excluding
travel-related expenses and any tax or usage fees) divided by $10. The per-share
exercise price of such warrant shall be the fair market value of one share of
Geotrust's common stock at the time of grant, as determined by Geotrust's board
of directors in its sole discretion. If GeoTrust fails to deliver to HNC the
warrant to which HNC is entitled within 90 days after the end of the Warrant
Period therefor, the discounted rates set forth in Exhibit B shall no longer
apply to services performed in such Warrant Period, and GeoTrust shall promptly
pay HNC in cash such additional fees as would have been payable if such
discounts did not apply to services in such Warrant Period. In addition, if
GeoTrust is unable to obtain required board and/or shareholder approval to issue
the warrants required under this Section within 180 days after the Effective
Date, the discounted rates set forth in Exhibit B shall no longer apply, HNC
shall thereafter invoice GeoTrust at full non-discounted rates for all services
performed hereunder, and GeoTrust shall pay such amounts in cash.

        (c)    Adjustments. The terms governing the Discount Period, and the
number of Warrant Periods associated therewith, may be changed by mutual
agreement of the parties pursuant to Section 11(j). After the Discount Period,
HNC's obligation to offer GeoTrust any discounts on services, and to accept
warrants as consideration for services, will terminate.

        (d)    Travel Expense Reimbursement. GeoTrust will reimburse HNC for any
reasonable, pre-approved travel-related expenses incurred by HNC in connection
with performing services hereunder, which shall be invoiced separately from any
other charges billed by HNC to GeoTrust.

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        (e)    Payment. HNC will submit invoices for services performed and
applicable travel-related expenses, and GeoTrust shall pay HNC no later than 30
days after receipt of invoice. Where applicable, such invoices shall include a
memo line indicating the number of GeoTrust warrant shares earned according to
this Section.

3.      LICENSES; OWNERSHIP; MAINTENANCE AND SUPPORT

        (a)    License Grant. Subject to the terms of this Agreement, HNC grants
to GeoTrust a worldwide, nonexclusive, nontransferable, royalty-bearing license
during the term of this Agreement to use the HNC Software, in object code form
only, internally on one or more servers controlled by or on behalf of GeoTrust
solely for purposes of developing and using the GeoTrust products known as True
Credentials, True Identity and True Record. The scope of the foregoing license
encompasses GeoTrust's internal use of HNC Software in connection with providing
services to its customers, but excludes any sublicensing, uploading or otherwise
transferring, or providing direct access to, the HNC Software to any third party
without HNC's prior written consent, including access by any third party to the
HNC Software on a stand-alone or "service bureau" basis.

        (b)    Ownership. HNC and its licensors solely own all right, title and
interest in and to the HNC Software, and reserve all rights therein not
expressly granted under this Agreement.

               (i)    Without limiting the generality of the foregoing, except
as expressly stated in paragraph (a), GeoTrust may not directly or through any
third party (a) transfer or sublicense, in whole or part, any copies of the HNC
Software to any third party; (b) modify, decompile, reverse engineer, or
otherwise attempt to access the source code of the HNC Software; or (c) copy the
HNC Software, except such copies as necessary for reasonable and customary
back-up and disaster recovery purposes. GeoTrust will not delete or alter the
copyright, trademark or other proprietary rights notices of HNC and its
licensors included with the HNC Software as delivered to GeoTrust, and will
reproduce such notices on all copies of the HNC Software. If derivative works of
the HNC Software are prepared by or on behalf of HNC based on suggestions or
requests by GeoTrust, HNC will solely own such modifications.

               (ii)   HNC acknowledges that GeoTrust may develop products that
interface or are intended for use with the HNC Software ("Add-On Products"). So
long as such Add-On Products do not infringe any intellectual property rights of
HNC, HNC acknowledges that it shall have no rights in any such Add-on Products.

        (c)    Maintenance and Support. Subject to payment of fees therefor
described in Section 4, HNC will perform the services described in Exhibit D
related to the maintenance and support of the HNC Software licensed hereunder.

4.      LICENSE AND MAINTENANCE FEES

        (a)    Fixed Monthly License Fee. As partial consideration for the
licenses granted hereunder, GeoTrust shall pay HNC a fixed monthly fee of (i)
until the first anniversary of the Effective Date, US$20,000 per month; (ii)
thereafter, until the second anniversary of the Effective Date, US$30,000 per
month; and (iii) thereafter, US$40,000 per month during the term of this
Agreement. Each such fixed monthly fee shall be due and payable on the first
business day of each month.

        (b)    Variable Revenue-Based License Fee. As further consideration for
the licenses granted hereunder, GeoTrust shall pay HNC a fee based on GeoTrust's
revenue attributable to use of the HNC Software, determined according to the
terms set forth in Exhibit E. GeoTrust will establish records of transactions
involving use of the HNC Software, and maintain such records for two years
thereafter, sufficient in form and substance to confirm the calculation of
revenue-sharing fees in compliance with the terms of Exhibit E. At its expense
and on reasonable notice, HNC may cause such records to be audited during
regular business hours at GeoTrust's facilities. If an audit reveals
underpayment of fees due under this Agreement, all such amounts will be promptly
paid with interest at the prevailing U.S. dollar prime rate accruing from the
original due date. If any such underpayment exceeds 5% of the fees due for the
period audited, GeoTrust will also pay HNC's reasonable costs of conducting the
audit.

        (c)    Maintenance Fees. In consideration of maintenance services
provided hereunder, GeoTrust shall pay HNC fees of (i) until the first
anniversary of the Effective Date, US$10,000 per month, (ii) thereafter, until
the second anniversary of the Effective Date, US$9,000 per month; and (iii)
thereafter, US$8,000 per month during the term of this Agreement. Each such
payment shall be due on the first business day of each month. The foregoing

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maintenance fees are subject to reasonable annual cost-of-living increase, not
to exceed 10% of fees then in effect, as such increase is generally applied to
the other agreements of HNC related to the HNC Software.

5.      JOINT MARKETING

        (a)    Joint Marketing. The parties agree to participate jointly in
advertising, trade shows, sales calls to GeoTrust prospects and other similar
promotional activities. The exact nature of the participation will be determined
by mutual agreement of the parties on a case-by-case basis. Each party will use
reasonable commercial efforts to provide business introductions of such party's
significant customers and prospects to the sales and marketing teams of the
other party.

        (b)    Website Links; Website Presence. Each party will establish and
maintain on its website a hypertext link to the other party's website. Each link
will be indicated by a graphic/textual icon, the content, size and placement of
each of which will be approved by both parties. Each party may reference the
other party as a "Strategic Partner" on their website, and may include factual
(and non-confidential) content about the relationship of the parties; provided
that such content shall not be posted, unless substantially the same as content
previously approved for public disclosure, without the prior approval of the
other party, which shall not be unreasonably withheld.

        (c)    HNC as Preferred Partner of GeoTrust. During the term of this
Agreement, GeoTrust will ensure that HNC is a "preferred partner" for
decisioning, workflow and predictive technology. As such, GeoTrust agrees to
work closely with HNC regarding potential licenses of components and contracting
for services related to HNC's core competencies (e.g., complex decisioning
systems, complex workflow management systems and predictive analytics related to
financial transactions). Nothing in this Section 5(c) is intended to limit or
otherwise restrict GeoTrust's choice of vendor(s) from which to purchase
components and/or services.

        (d)    GeoTrust as Preferred Partner of HNC. During the term of this
Agreement, HNC will ensure that GeoTrust is a "preferred partner" for
trust-related services in B2B eCommerce. Specifically, HNC agrees, whenever
commercially reasonable and technically feasible, to include in its B2B products
such enhancements as GeoTrust may offer from time to enable purchasers to
realize cost savings from ease of integration with the GeoTrust products.

        (e)    Trademark License. Each party hereby grants the other party a
non-exclusive, non-transferable license to use the trademarks identified and
attributed to such party in Exhibit F for the purpose of participating in the
joint marketing efforts described in this Section. Each party will submit any
use it proposes to make of the other party's trademarks for prior approval by
such other party, and the trademark owner will approve or direct changes thereto
within five days after submission, failure to respond within such five-day
period being deemed the trademark owner's approval of such use.

        (f)    Periodic Checkpoints on Strategy and Alignment. During the term
of this Agreement, appropriate representatives of HNC and GeoTrust will meet in
person or by telephone, as mutually agreed by the parties from time to time, at
least four times per year to review strategic plans, marketing programs,
partnership opportunities and other matters relevant to the success of the joint
initiatives described herein.

6.      WARRANTY

        (a)    Limited Warranty. HNC warrants that, for 90 days after
installation (the "Warranty Period"), the HNC Software will function in all
material respects in compliance with its accompanying documentation. If the HNC
Software exhibits a defect that breaches this warranty, HNC will use reasonable
commercial efforts to correct, cure, replace or otherwise remedy, at HNC's
option, such defect without additional charge to GeoTrust within 120 days after
written notification of such defect, provided that such notice is furnished to
HNC during the Warranty Period. Client agrees to cooperate and work closely with
HNC in a prompt and reasonable manner in connection with HNC's correction
efforts. If despite HNC's reasonable commercial efforts to cure, replace, or
otherwise remedy such warranty-breaching defect, HNC is unable to resolve the
defect at the end of such 120-day period, HNC shall immediately terminate this
Agreement. CLIENT'S SOLE REMEDY FOR ANY BREACH OF WARRANTY UNDER THIS SECTION
WILL BE TO HAVE HNC USE ITS REASONABLE COMMERCIAL EFFORTS TO CURE SUCH BREACH AS
PROVIDED HEREIN.

                                       3
<PAGE>   4

        (b)    DISCLAIMER. EXCEPT AS EXPRESSLY PROVIDED ABOVE, HNC MAKES NO
REPRESENTATIONS OR WARRANTIES, WRITTEN, ORAL, EXPRESS, IMPLIED OR STATUTORY,
REGARDING THE LICENSED PRODUCT, INCLUDING WITHOUT LIMITATION WARRANTIES OF
MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE.

7.      INDEMNIFICATION

        (a)    Infringement Indemnity. HNC will defend and hold harmless
GeoTrust from any losses or expenses (including reasonable legal fees) arising
from any third-party action brought against GeoTrust to the extent based on a
claim that the HNC Software infringes any currently existing U.S. patent or
copyright. GeoTrust will defend and hold harmless HNC from any losses or
expenses (including reasonable legal fees) arising from any third-party action
brought against HNC to the extent based on a claim that an Add-On Product, or
other product used in connection with the HNC Software, infringes any currently
existing U.S. patent or copyright. The party entitled to indemnification
hereunder will (a) promptly notify the other party in writing of the claim, (b)
grant the other party sole control of the defense and settlement of the claim,
and (c) reasonably assist the other party in defending the claim.

        (b)    Injunctions Against Use of HNC Software. If HNC reasonably
anticipates that GeoTrust's use of the HNC Software will be enjoined due to a
claim indemnified under paragraph (a) above, HNC may, at its sole option and
expense, (i) procure for GeoTrust the right to continue using such HNC Software
under the terms of this Agreement; or (ii) replace or modify such HNC Software
so that it is non-infringing while maintaining substantially equivalent
functionality.

        (c)    Exclusions. This Section does not apply to the extent an
otherwise indemnifiable claim relates to (i) modification of the HNC Software
other than by HNC; (ii) use of the HNC Software with hardware or software not
supplied by HNC; (iii) use of other than the most current version of the HNC
Software; or (iv) use of the HNC Software outside the scope of the licenses
granted hereunder.

        (d)    SOLE REMEDY. THIS SECTION 7 SETS FORTH EACH PARTY'S SOLE
OBLIGATION, AND THE OTHER PARTY'S EXCLUSIVE REMEDY, FOR ANY THIRD-PARTY CLAIMS
OF INFRINGEMENT ARISING IN CONNECTION WITH THIS AGREEMENT.

8.      LIMITATION OF LIABILITY

        EXCEPT AS TO THE INDEMNIFICATION OBLIGATIONS UNDER SECTION 7 AND THE
CONFIDENTIALITY OBLIGATIONS UNDER SECTION 10, EACH PARTY WILL BE NOT LIABLE TO
THE OTHER PARTY UNDER ANY THEORY OF LIABILITY FOR (A) DAMAGES IN EXCESS OF ALL
AMOUNTS PAID IN THE PRECEDING 12-MONTH PERIOD UNDER THIS AGREEMENT, OR (B)
SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING IN CONNECTION
WITH THIS AGREEMENT, EVEN IF SUCH OTHER PARTY HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES.

9.      TERMINATION

        (a)    Term. This Agreement is effective as of the Effective Date and,
unless earlier terminated as provided below, will continue in effect until the
fifth anniversary of the Effective Date. The parties may extend the term of this
Agreement by mutual agreement in writing pursuant to Section 11(j).

        (b)    Termination for Breach. Except as provided herein, either party
may terminate this Agreement if the other party commits a material breach of
this Agreement that is not cured within 30 days after notice thereof from the
non-breaching party; provided that the cure period for a payment default will be
two business days after notice thereof.

        (c)    Automatic Termination. Either party may terminate this Agreement
by notice to the other party if the other party (a) voluntarily becomes the
subject of any petition in bankruptcy or any proceeding relating to insolvency,
receivership, liquidation or composition for the benefit of creditors; or (b)
involuntarily becomes the subject of such a petition or proceeding that is not
dismissed within 60 days after filing.

                                       4
<PAGE>   5

        (d)    Effect of Termination. Upon any termination of this Agreement,
GeoTrust will promptly return to HNC all copies of HNC Software or Confidential
Information of HNC in its possession or control, and promptly provide HNC with
an officer's written certification of GeoTrust's compliance with the foregoing.
On termination or expiration of this Agreement, and Sections 2, 4, 8, 9(d), 10
and 11 will survive in accordance with their respective terms. GeoTrust
acknowledges that in the event of such termination, it remains liable for any
amounts incurred under Section 2 or Section 4 through, but not for any time
after, the date of such termination.

        (e)    Nonexclusive Remedy. Subject to Sections 7(d) and 8, termination
of this Agreement by either party will be a nonexclusive remedy for breach and
will be without prejudice to any other right or remedy of such party.

10.     CONFIDENTIALITY

        "Confidential Information" means information that (i) is designated as
such in writing by one party ("Disclosing Party") before or when disclosed to
the other party ("Recipient") or (ii) Recipient may reasonably be expected to
know, based on its nature or the circumstances of its disclosure, is maintained
in confidence by Disclosing Party for competitive advantage or other commercial
benefit. Recipient will not use Disclosing Party's Confidential Information
except to perform obligations under this Agreement, and will not disclose such
Confidential Information to any third party. This Section does not apply to
Confidential Information that is (a) or becomes publicly known through no act of
Recipient, (b) in Recipient's possession when disclosed without breach of any
legal obligation, (c) received by Recipient from a third party without such
party's breach of any legal obligation, (d) developed by Recipient without use
of Disclosing Party's other Confidential Information, or (e) disclosed to comply
with applicable law or governmental order; provided Disclosing Party is allowed
the opportunity, within the law, to contest such disclosure.

11.     GENERAL

        (a)    Assignment. Neither party may assign its rights or obligations
hereunder without the other party's prior written consent, which will not be
unreasonably withheld, delayed or conditioned, and any assignment without such
consent shall be void. Notwithstanding the foregoing, either party may assign
this Agreement without consent to any entity that controls, is controlled by, or
is under common control with, the assigning party; provided the assignee is not
a competitor of the non-assigning party and agrees in writing to be bound by
this Agreement. "Control" of an entity means power to elect a majority of such
entity's board of directors or other similar governing body.

        (b)    Governing Law and Jurisdiction. This Agreement will be governed
by the state laws of the State of California. Any legal action or proceeding
arising under this Agreement will be brought exclusively in the federal or state
courts of California and the parties hereby consent to the personal jurisdiction
and venue of such courts.

        (c)    Severability. If for any reason any provision of this Agreement
unenforceable, that provision of the Agreement will be enforced to the maximum
extent permissible and the other provisions of this Agreement will remain in
full force and effect.

        (d)    Waiver. The failure by either party to enforce any provision of
this Agreement will not constitute a waiver of future enforcement of that or any
other provision.

        (e)    Notices. All notices required or permitted under this Agreement
will be in writing and will be deemed given when personally delivered or three
business days after being mailed by U.S. certified mail, first class, postage
prepaid (or by reputable courier service with package tracking ability, such as
Fed Ex, UPS, DHL, etc.), to such party at the address set forth in the first
paragraph of this Agreement. Each party may change such address by notice to the
other party in compliance with this Section.

        (f)    Force Majeure. Neither party will be responsible for any failure
or delay in its performance under this Agreement due to causes beyond its
reasonable control, including but not limited to, labor disputes, strikes,
lockouts, shortages of or inability to obtain labor, energy, raw materials or
supplies, war, riot, act of God or governmental action.

        (g)    Relationship of Parties. The parties to this Agreement are
independent contractors and this Agreement will not establish any relationship
of partnership, joint venture, employment, franchise, or agency

                                       5
<PAGE>   6

between the parties. Neither party will have the power to bind the other or
incur obligations on the other's behalf without the other's prior written
consent.

        (h)    Equitable Relief. Each party acknowledges that a breach of
Section 10 or the scope of the licenses granted under this Agreement will cause
the other party irreparable injury for which there are inadequate remedies at
law, and therefore the non-breaching party will be entitled to seek equitable
relief in addition to all other remedies provided by this Agreement or available
at law.

        (i)    Announcements. GeoTrust agrees that HNC may publicly announce and
list GeoTrust as a customer of HNC.

        (j)    Entire Agreement. This Agreement, together with the exhibits
attached hereto, constitutes the complete and final expression of the agreement
of the parties with respect to its subject matter, and supersedes all prior or
contemporaneous agreements or statements relating to such subject matter. This
Agreement may not be amended except in a writing signed by both parties and
attached as an exhibit to this Agreement.

        Each of HNC and GeoTrust have cause this Agreement to be executed by its
duly authorized representative as of the Effective Date.

HNC SOFTWARE INC.                            GEOTRUST, INC.

By: /s/ Daniel S. Chelew                     By: /s/ G. Elliott Troutman
    ------------------------------------         -------------------------------

Name: Daniel S. Chelew                       Name: G. Elliott Troutman
      ----------------------------------           -----------------------------

Title: V.P. Finance, Financial Solutions     Title: Chief Financial Officer
       ---------------------------------            ----------------------------

Date Signed: October 24, 2000                Date Signed: October 23, 2000
             ---------------------------                  ----------------------

                                       6
<PAGE>   7

                                    EXHIBIT A

             Statement of Work for Services Relating to HNC Software

The Statement of Work shall be substantially similar in all material respects to
the documented output of the Project Assessment Meeting held by the parties at
GeoTrust offices on October 9th and 10th of this year.

                                       7
<PAGE>   8

                                    EXHIBIT B

                                 Discounted Fees

        GeoTrust shall be charged for services during the Discount Period based
upon HNC's standard hourly time and materials rates for other agreements related
to the HNC Software in effect at the time such services are performed, less a
50% discount therefrom. Such discounted rates shall not apply to reimbursable
travel-related expenses incurred by HNC, and shall be based on HNC's standard
hourly rates as in effect at the time the services invoiced at such discount
were performed. The following table represents (for reference purposes only)
HNC's standard hourly rates as of the Effective Date.

<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------------
Job Title                                                                          Hourly Rate
-----------------------------------------------------------------------------------------------
<S>                                                                                <C>
Corporate Officer, Vice President, Chief and above                                  US$400.00
-----------------------------------------------------------------------------------------------
Executive Director                                                                  US$370.00
-----------------------------------------------------------------------------------------------
Director                                                                            US$330.00
-----------------------------------------------------------------------------------------------
Principal Implementation Project Manager, Principal Implementation Engineer,        US$300.00
Principal Business Analyst, Principal Software Engineer, Principal Scientist
-----------------------------------------------------------------------------------------------
Implementation Project Manager, Software Project Engineer, Project Scientist        US$275.00
-----------------------------------------------------------------------------------------------
Senior Implementation Engineer, Senior Business Analyst, Senior Software            US$220.00
Engineer, Senior Scientist, Database Administrator, System Administrator
-----------------------------------------------------------------------------------------------
Implementation Engineer, Business Analyst, Software Engineer, Scientist, Trainer    US$195.00
-----------------------------------------------------------------------------------------------
Associate Implementation Engineer, Associate Business Analyst, Associate            US$165.00
Software Engineer, Associate Scientist
-----------------------------------------------------------------------------------------------
Administrative Support                                                              US$ 85.00
-----------------------------------------------------------------------------------------------
</TABLE>

        HNC shall not bill GeoTrust for travel time of HNC employees.

        Reasonable travel-related expenses incurred in connection with services
by HNC will be reimbursed as incurred subject to GeoTrust's pre-approval of the
expense, which shall not be unreasonably withheld, delayed or conditioned.

        HNC shall notify GeoTrust of any modification to the standard time and
materials rates no later than 90 days after the effective date of any such
modification.

                                       8
<PAGE>   9

                                    EXHIBIT C

                                 Form of Warrant

The Warrants to be granted under Section 2(b) shall be substantially in all
material respects in the form provided in electronic communication from Elliot
Troutman to David Johnson on September 15, 2000. That document (entitled
"Warrants for Facility (Ashford) 1") is incorporated by reference as a part of
this Agreement.

                                       9
<PAGE>   10

                                    EXHIBIT D

                        Maintenance and Support Services

        HNC will provide the following maintenance and support services for the
most current Version of the HNC Software and the next to most current Version of
the HNC Software (for no longer than 18 months after the release date of the
most recent Version):

(a)     supply a temporary fix or make a diligent effort attempt to make an
        emergency bypass of a malfunction of the HNC Software in accordance with
        this Section if HNC diagnoses the problem as a defect in the HNC
        Software that prevents it from functioning in substantial conformity
        with its documentation, provided the HNC Software has not been altered
        by GeoTrust;

(b)     provide GeoTrust with any known problem solutions relating to the HNC
        Software as delivered to GeoTrust pursuant to the Agreement as such
        solutions become known to HNC;

(c)     provide GeoTrust with new Versions or Releases of the HNC Software;

(d)     provide telephone access to HNC support resources to assist in resolving
        HNC Software problems. HNC will respond by telephone to any request by
        GeoTrust for maintenance and support services made during the hours of
        5:00 A.M. to 6:00 P.M. Pacific Time, Monday through Friday, (excluding
        HNC-recognized holidays) ("Standard Business Hours"), within four hours
        of GeoTrust's initial request for such service. Outside Standard
        Business Hours, HNC agrees to provide support via a 1-800 telephone
        number and pager service.

        To enable the foregoing, GeoTrust agrees, at no cost to HNC, to provide
an on-line or dial-up telecommunications link into GeoTrust's systems for the
purpose of troubleshooting and support of the HNC Software. This
telecommunications line shall have a minimum speed of 56 Kilobits per second. If
a mutual determination is made that service must be performed at the GeoTrust
site, then HNC agrees to report to the GeoTrust site to begin performing the
requested service within three business days of GeoTrust's request. Such
reasonable on-site support will not require additional payment except for
reimbursement of all travel-related expenses HNC incurs. If the error is
determined by HNC to not be caused by the HNC Software, or is otherwise not
covered by this Agreement, then GeoTrust shall compensate HNC for its services
on a time and materials basis in accordance with HNC's then-current hourly
rates, billed in one-hour minimum increments per call.

        All Versions, Releases and other repairs to the HNC Software which are
delivered by HNC to GeoTrust pursuant to performance of maintenance services
hereunder will be considered part of the HNC Software as licensed to GeoTrust
pursuant to the Agreement. All use of the such Versions, Releases, and other
repairs by GeoTrust will be subject to the licensing terms and conditions of the
Agreement.

The following terms are defined as follows for purposes of this Exhibit:

"ERROR" means a defect in the that prevents it from functioning in substantial
conformity with its documentation.

"RELEASE" means commercially released modifications to the HNC Software which
correct any Errors or defects in the Version of the HNC Software originally
delivered to GeoTrust, indicated by a change in the digit to the right of the
decimal.

"VERSION" means any commercially released modifications or enhancements to the
HNC Software which improve the efficiency or effectiveness of the functions of
or add new functionality to the HNC Software or its documentation (such as a
release of a new full version of the HNC Software (by way of example only,
"version 5.0", indicated by a change in the digit to the left of the decimal)
delivered to GeoTrust pursuant to this Agreement.

                                       10
<PAGE>   11

                                    EXHIBIT E

                              Revenue-Sharing Fees

        The parties acknowledge that the method for determining the percentage
of GeoTrust revenue attributable to GeoTrust's use of the HNC Software has not
been determined as of the Effective Date. The parties agree that this fee should
be in proportion to the value attributable to the Products and that such value
may not be determinable until a sufficient volume of live, production data has
flowed through the GeoTrust products. The parties agree to negotiate such
determination criteria in good faith and to achieve a reasonable fee structure
reflective of the collaborative, partnership nature of this Agreement. Such
criteria shall be determined no later than one (1) year from the Effective Date
and will be calculated retroactively to the Effective Date. If, despite
reasonable good faith negotiations by the parties, the determination criteria
cannot be agreed at the end of this one year period, either party may proceed
under the terms of Section 9.2 ("Termination for Breach").

        The parties mutually agree that license-related profits foregone by HNC
each month under the terms of this Agreement are deemed to be US$17,500
("Foregone Profits"). HNC will establish a ledger of Foregone Profits and update
such ledger on a monthly to (a) add US$17,500 of Foregone Profits to the
existing balance, and (b) deduct any monthly revenue-sharing fee payment paid by
GeoTrust under the following terms.

        Within thirty days after each month during the first five years of the
term of this Agreement, GeoTrust will pay to HNC the following revenue-sharing
fee:

(a)     If the cumulative balance of Foregone Profits in the ledger is then
        greater than US$0, the lesser of US$35,000 and ten percent (10%) of
        GeoTrust's gross revenue for that month attributable to use of HNC
        Software;

(b)     If the cumulative balance of Foregone Profits in the ledger is then less
        than or equal to US$0, the lesser of US$150,000 and five percent (5%) of
        GeoTrust's gross revenue for that month attributable to use of HNC
        Software; or

(c)     If the total of all payments previously paid by GeoTrust pursuant to
        paragraphs (a) and (b) above equals or exceeds US$1,000,000, the lesser
        of US$300,000 and two and one-half percent (2.5%) of GeoTrust's gross
        revenue for that month attributable to use of HNC Software (regardless
        of Foregone Profits).

                                       11
<PAGE>   12

                                    EXHIBIT F

                               Licensed Trademarks

Licensed Trademarks of HNC related to this Agreement:

HNC
HNC Software
Capstone
Capstone Decision Manager
Capstone Model Manager
Capstone Strategy Manager

Licensed Trademarks of GeoTrust related to this Agreement:

True Credentials
True Identity
True Record
Safe Market
GeoTrust
TrustWatch

                                       12
<PAGE>   13

                                 AMENDMENT 1 TO
                         STRATEGIC PARTNERSHIP AGREEMENT

        This Amendment 1, effective as of October 23, 2000 (the "AMENDMENT 1
EFFECTIVE DATE"), modifies the License and Services Agreement entered into
between GeoTrust, Inc. ("CLIENT") and HNC Software Inc. ("HNC") and dated
October 23, 2000 ("AGREEMENT").

        WHEREAS, the Agreement sets forth certain terms and conditions governing
the license and sublicense of Capstone(TM) Model Manager and Capstone(TM)
Decision Manager ("HNC SOFTWARE"); and

        WHEREAS, the parties desire to amend the Agreement to add a maintenance
term.

        THE PARTIES HEREBY AGREE AS FOLLOWS:

1.      Maintenance and Support. The parties hereby agree amend Section 3(c) by
adding the following maintenance term.

        "The maintenance term shall commence as of the Effective Date of the
        Agreement, and shall continue for a 1-year term (the "INITIAL TERM").
        Thereafter, it shall continue on a year-to-year basis, unless terminated
        by either party ninety (90) days prior to the anniversary date of the
        Initial Term or any subsequent renewal term."

2.      Maintenance Fees. Section 4(c) (iii) is hereby amended by adding the
word "maintenance" before the word "term".

3.      Entire Agreement. Any capitalized term not defined in this Amendment 1
shall have the meaning given it in the Agreement. Except as amended herein, all
terms and conditions of the Agreement shall remain in full force and effect.
Notwithstanding anything to the contrary set forth in the Agreement in the event
of a conflict between the terms of the Agreement and the terms of this Amendment
1, this Amendment 1 shall control.

        IN WITNESS WHEREOF, Client and HNC have caused this Amendment 1 to be
signed and delivered by their duly authorized representatives, all as of the
Amendment 1 Effective Date.

HNC SOFTWARE INC.                           GEOTRUST, INC.

By: /s/ Daniel S. Chelew                     By: /s/ G. Elliott Troutman
    ------------------------------------         -------------------------------
Name:   Daniel S. Chelew                     Name: G. Elliott Troutman
       ---------------------------------           -----------------------------
Title: V.P. Finance, Financial Solutions     Title: Chief Financial Officer
       ---------------------------------            ----------------------------
Date Signed: March 6, 2001                   Date Signed: March 6, 2001
             ---------------------------                  ----------------------

                                       13

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