Fair Isaac and TSYS Add Advanced Strategy Design to Credit Card Portfolio Management Capabilities

MINNEAPOLIS, MN – Fair Isaac Corporation (NYSE: FIC), the leading provider of global analytics and decision technology, today announced the latest expansion of its alliance with global transactions and payments processor TSYS (NYSE: TSS). The companies will offer TRIAD™ Strategy Design Service to enhance the value of the credit card portfolio management services they jointly provide to card issuers worldwide.

Now available to clients using TRIAD 7.0 and TSYS’ TS2 platform, the TRIAD Strategy Design Service provides TSYS clients with superior customer treatment strategies and analysis capabilities. The new service combines Fair Isaac’s Model Builder for Decision Trees strategy design software, a custom engineered dataset (produced and updated quarterly by Fair Isaac and generated from TRIAD report records) and expert consulting support.

Card issuers using TRIAD Strategy Design Service can easily access rich historical data to rapidly design and visualize more profitable ‘challenger’ account strategies without the need to write code. Customer strategies can be reviewed and adjusted at any point by various performance measures, resulting in faster strategy formulation and improved results.

“Fair Isaac and TSYS are committed to helping our joint clients keep up with the constant changes in market forces and customer behavior,” said Doug Clare, vice president of Account Management Solutions at Fair Isaac. “The ability to leverage rich account-level data, sophisticated data mining software and decades of credit risk management expertise through the Strategy Design Service gives card issuers the power to create account management strategies quickly and more effectively than any other strategy design method.”

Fair Isaac’s TRIAD adaptive control system combines decision management software, actionable analytics and expert consulting to more effectively manage account and customer management decisions. TRIAD has been available at TSYS for more than a decade, helping lenders in the U.S., Canada and Europe make better, more profitable decisions. TSYS currently processes more than 50 portfolios encompassing 100 million cards for retailers and financial institutions worldwide through Fair Isaac’s TRIAD account management platform.

“The new agreement builds on our longstanding partnership with Fair Isaac to offer the industry’s most effective portfolio management technologies,” said Andrew W. Marks, Group Executive for Value Added Services at TSYS. “This new service, combined with our processing engines, will provide our clients with even greater capabilities to enhance the value of their portfolios and build more rewarding customer relationships.”

Fair Isaac’s Model Builder for Decision Trees is an easy-to-use software application designed specifically to support data-driven strategy design. It gives lenders the power to rapidly mine data, create decision trees and develop new strategies in real time using multiple performance dimensions. Its ability to process large datasets allows users to change strategies and see new results in minutes for a greater understanding of the portfolio. Strategies can be transferred to and from production application with ease, putting new strategies into production faster.

TRIAD Strategy Design Service is one of several new services that will augment the value provided by TRIAD at TSYS. In addition to providing Strategy Design Service, new value-added offerings through TSYS will include scoring solutions leveraging transaction data and customer data integration options.

About Fair Isaac
Fair Isaac Corporation 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 billions of 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 Web site, 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.

About TSYS
TSYS (www.tsys.com) brings integrity and innovation to the world of electronic payment services as the integral link between buyers and sellers in this rapidly evolving universe. Synovus owns an 81-percent interest in TSYS. For more information, contact news@tsys.com.

Statement Concerning Forward-Looking Information – Except for historical information contained herein, the statements contained in this press release that relate to Fair Isaac, including statements regarding its TRIAD Strategy Design Service offering and the benefits to be derived from this offering, are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including any unforeseen technical difficulties related to the implementation, use and functionality of the offering, the risks that customers will not perceive material benefits from the offering, failure of the product to deliver the expected results, the possibility of errors or defects in the offering, regulatory changes applicable to the use of consumer credit and other data, and other risks described from time to time in Fair Isaac’s SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2004. Forward-looking statements should be considered with caution. If any of these risks or uncertainties materializes or any of these assumptions proves incorrect, Fair Isaac’s results could differ materially from Fair Isaac’s expectations in these statements. Fair Isaac disclaims any intent or obligation to update these forward-looking statements.