HSBC Adopts Fair Isaac Strategy Science Framework to Fuel Growth in Asia-Pacific Region

(Minneapolis, Minnesota, USA) - Fair Isaac Corporation (NYSE: FIC), the leading provider of analytics and decision management technology, announced today that The Hongkong and Shanghai Banking Corporation Limited (HSBC) will utilize Fair Isaac's proven software technologies, analytic models and development processes for Enterprise Decision Management (EDM). The integrated solution will help HSBC grow its ability to optimize profitability across the bank's consumer lending portfolios, and support its long-term growth objectives in the Asia-Pacific region.

To build upon rapid growth of its credit card portfolios and strengthen its leadership in Asia Pacific's booming consumer lending market, HSBC required a highly scalable solution to roll out optimized decision strategies across products, countries and decision areas. Fair Isaac will deliver its proven Strategy Science methodologies embedded in its suite of analytic solutions to help HSBC fundamentally improve the way the lender processes critical decisions across the enterprise.

"We needed a robust, scalable and flexible optimization tool and process to efficiently develop optimized strategies that satisfy HSBC's overall business objectives and can be customized to each local business," said Vernon Smith, Head of Asia Pacific Consumer Credit & Risk at The Hongkong and Shanghai Banking Corporation Limited. "Fair Isaac's Strategy Science Framework provides the tools, methodology, experience and process to help HSBC resolve these critical challenges and achieve our growth and profitability goals with the lowest possible risk."

"As a visionary company, HSBC was among the first to successfully apply Fair Isaac's Strategy Science to make profitable customer decisions," said J.Y. Pook, vice president and managing director, Asia Pacific at Fair Isaac. "This robust set of methodologies and decision analytics will deliver a significant competitive advantage and play a critical role in HSBC's strategic vision to achieve Enterprise Decision Management across its Asia-Pacific operations."

Using Fair Isaac's Strategy Science Framework and software platform for model development and strategy deployment, HSBC plans to accelerate its deployment of optimization projects to drive immediate bottom-line benefits across Asia. For the long term, HSBC will use the solution to enhance its in-house optimization capabilities and ultimately develop and deploy optimized strategies across six products and 20 countries and territories in Asia for more than 10 decision areas across the customer lifecycle.

Leveraging Fair Isaac's extensive experience gained since the introduction of its Strategy Science methodology in 2001, Strategy Science Framework for Credit Line Increase represents the latest innovation that enables organizations to access Fair Isaac's decision modeling, optimization methodologies and tools for the development of their own "optimization factory."

About Strategy Science
A component of Fair Isaac's solutions for Enterprise Decision Management, Strategy Science combines a powerful methodology, process and platform to model the economics of customer decisions. A powerful decision model maps the relationship between multiple input variables to the range of decision choices available to the user, and to the business consequences and drivers, such as losses and profitability. Fair Isaac's proprietary optimization software, Decision Optimizer, runs data through the model to find the optimal decisions under a stated set of business constraints. The result is a decision strategy that identifies the optimal action to take on each customer.

The market-proven technology is currently in use in more than 75 projects at more than 45 financial institutions throughout the world to optimize business results in acquisition, origination, account management, customer retention and fraud referrals. To date, more than 30 financial institutions have achieved significant bottom-line benefits through the use of Strategy Science to determine optimal credit line strategies.

About the Hongkong and Shanghai Banking Corporation
The Hongkong and Shanghai Banking Corporation Limited is a wholly owned subsidiary of HSBC Holdings plc, the holding company of the HSBC Group, which has around 9.500 offices in 76 countries and territories and assets of USUS$ 1.738 billion.

About Fair Isaac
Fair Isaac (NYSE:FIC) makes decisions smarter. The company's solutions and technologies for Enterprise Decision Management give businesses the power to automate more processes, and apply more intelligence to every customer interaction. Through increasing the precision, consistency and agility of their decisions, Fair Isaac clients worldwide increase sales, build customer value, cut fraud losses, manage credit risk, reduce operational costs, meet changing compliance demands and enter new markets more profitably. Founded in 1956, Fair Isaac powers hundreds of billions of decisions per year in financial services, insurance, telecommunications, retail, consumer branded goods, healthcare and the public sector. Fair Isaac also helps millions of individuals manage their credit health through the www.myfico.com website.

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 Strategy Science and Decision Optimizer product offerings, and the benefits to be derived from these offerings, 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 offerings, the risks that customers will not perceive material benefits from the offerings, failure of the products to deliver the expected results, the possibility of errors or defects in the offerings, 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, 2005, and its quarterly report on Form 10-Q for the period ended June 30, 2006. 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.