Fair Isaac Expands Global Reach of TRIAD in Middle East Markets

As the region's leading provider of electronic payments and consumer finance outsourcing services, AFS has selected Fair Isaac's TRIAD system to offer credit card issuers in the Middle East enhanced portfolio management services. Based in Bahrain, AFS will integrate the TRIAD system with its processing platform to help network issuers more effectively manage risk, and design and execute more profitable account-level strategies in credit line management, authorizations, collections, reissue, marketing, and pricing.

AFS currently provides payment card processing services to more than 50 banks and financial institutions across the Middle East, North Africa, Europe and South Asia. A leading financial institution in Saudi Arabia will become the first card issuer to process its credit card portfolio through the TRIAD system at AFS in early 2007.

"This new partnership with Fair Isaac will allow AFS to leverage its card outsourcing market leadership in the region with Fair Isaac's industry-proven account management system," said Rasool Hujair, CEO at AFS. "By offering TRIAD as a value-added service, AFS continues to deliver superior technology and highest quality services that help our clients succeed and grow their business in a cost-efficient manner."

"The agreement with AFS underscores Fair Isaac's continued global leadership in providing world-class account management services," said Doug Clare, vice president for processor partnerships at Fair Isaac. "It also gives us the opportunity to enhance our TRIAD services and bring the value of advanced decision management to issuers in untapped markets in the Middle East. Customer banks will benefit from the combined strengths and capabilities of Fair Isaac and AFS."

About TRIAD System
A core solution within Fair Isaac's suite of Enterprise Decision Management (EDM) applications and technologies, the TRIAD system automates and facilitates the process of developing and implementing different customer and account management strategies by using automated decision software, strategic consulting and predictive analytics that forecast future performance. The system allows lenders to segment customers based on risk and revenue. It automates and optimizes decisions on how to prioritize and handle delinquent collections, which customers to cross-sell, what additional products and services to offer, when and how much to change a customer's credit line, and what total amount of credit to extend a customer.

Clients using Fair Isaac's TRIAD system at AFS will benefit from quick and inexpensive implementation, since the system will already be installed on the processor's network and integrated with other production systems. Using the TRIAD system at AFS, many smaller and medium-sized issuers can more easily cost-justify using behavior scoring and advanced decisioning in their account management processes.

Fair Isaac has established partnerships with the world's leading credit card processing firms worldwide. In the U.S. alone, 80 percent of the top 50 credit card issuers access TRIAD system capabilities through processor partners.

About Arab Financial Services
AFS is the leading Arab company for electronic banking, personal payment instruments and related services. Established in 1984, AFS is in a strong financial position with backing from leading international financial institutions in the Arab World. The company pioneered the concept of outsourcing card processing in the region and was the first company to set up an end-to-end, state-of-the-art, card-outsourcing environment in Bahrain. AFS is the largest payment card processor in the Middle East and North African regions. AFS is Principal Member of Visa and MasterCard Payment Associations and an authorized third party processor centre. Over 50 Banks in the region are connected to AFS's online card management integrated solutions. AFS offers diverse services ranging from "get-started" to fully-fledged, on-going card processing and related services, assisting banks to issue Visa and MasterCard to their customers through sponsorship card programs. AFS offers flexible and customized solutions to suit the specific requirements of financial institutions in the region, including full Arabic language functionality.

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 TRIAD adaptive control system offering and the relationship described herein, 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 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, 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.