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23 de mayo de 2006

Fair Isaac's TRIAD to Support Account Decisions at TD Bank

23 de mayo de 2006
(Minneapolis, Minnesota, USA) - Fair Isaac Corporation (NYSE:FIC), the leading provider of analytics and decision management technology, announced today that Toronto-based TD Bank Financial Group (TDBFG) has selected TRIAD™ adaptive control system to enhance account management decisions for its credit card accounts.

Fair Isaac's TRIAD system, hosted at global payment services firm TSYS, will serve as TDBFG's exclusive system for account-level decision management. TDBFG already uses Fair Isaac's Customer Management TRIAD, a client-installed version of the leading portfolio management system, to make account decisions at the customer level. Customer Management TRIAD integrates data across multiple accounts and calculates scores across the total combination of credit products held by the customer, helping TDBFG more efficiently manage credit lines, overdue accounts and marketing communications.

"Fair Isaac provides us with valuable decision management expertise, and we are realizing improved results using Customer Management TRIAD, in addition to TRIAD adaptive control system, to implement the decisions that are critical to our bottom line," said Jim Sallas, VP Visa Products at TDBFG. "We are confident that the strategic conversion of our growing credit card portfolio to TSYS, in conjunction with using TRIAD, will deliver additional value while helping us continue to serve our customers most effectively."

The ability of TRIAD for account management to assign sophisticated decision strategies and customer treatments to TDBFG's credit card accounts complements Customer Management TRIAD's ability to assess risk and distribute exposure across all of those accounts. Once overall risk exposure has been distributed across all relevant product lines, TDBFG can now use TRIAD for account management to design and execute account-level strategies in credit line, authorizations, collections, reissue, and performance-based pricing.

"This new agreement broadens our successful relationship with TDBFG," said Andrew Jennings, Fair Isaac vice president of Global Customer Management Solutions. "By utilizing TRIAD for account management at TSYS in conjunction with Customer Management TRIAD on their internal warehouse, TDBFG has created a state-of-the-art system for managing customer relationships, understanding customer-level risk, and propagating strategic decisions about credit exposure and customer value to distributed operational systems."

About the TRIAD System
Fair Isaac's TRIAD adaptive control system applies predictive analytics, decisioning software and strategic consulting to help the world's leading lenders automate and improve credit account management. The solution has over 90 percent of retail market share and over 80 percent of financial services market share in Canada. Today, nearly 300 customer credit portfolios, representing 85 percent of the credit card volume in the U.S. and 65 percent of the world's credit cards, are managed using TRIAD systems.

TRIAD-based services are offered through the world's largest credit card processing firms. TRIAD at TSYS has been available for more than a decade, providing quality account management solutions to the United States, Canada and Europe. Clients also have access to several complementary account management services that augment the value provided by TRIAD at TSYS, including scoring solutions leveraging transaction data, strategy design and customer data integration options.

About TD Bank Financial Group
The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Financial Group. TD Bank Financial Group serves more than 14 million customers in four key businesses operating in a number of locations in key financial centres around the globe: Canadian Personal and Commercial Banking including TD Canada Trust; Wealth Management including TD Waterhouse and an investment in TD Ameritrade; Wholesale Banking, including TD Securities; and U.S. Personal and Commercial Banking through TD Banknorth. TD Bank Financial Group also ranks among the world's leading on-line financial services firms, with more than 4,5 million on line customers. TD Bank Financial Group had CDNUSD 384 billion in assets, as of January 31, 2006. The Toronto-Dominion Bank trades on the Toronto and New York Stock Exchanges under the symbol "TD."

About Fair Isaac
Fair Isaac Corporation (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 TRIAD adaptive control system 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, 2005, and its quarterly report on Form 10-Q for the period ended March 31, 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.

Contactos de la sala de prensa

Greg Jawski
Américas

greg.jawski@porternovelli.com
+1 212-601-8248

Darcy Sullivan
Europa, Oriente Medio y África

dsullivan@fico.com
+44 (0) 209-940-8719

Saxon Shirley
Asia Pacífico

saxonshirley@fico.com
+65 6422-7795

Marisa Arribas
Latinoamérica

marisaarribas@fico.com
+1 786 482 7231

Milla Delfino
América Latina

milladelfino@fico.com
+55 11 97673-6583