FAIR ISAAC CORPORATION

TSYS

January 20, 2005 10:00 ET

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


NEWS RELEASE TRANSMITTED BY CCNMatthews

FOR: FAIR ISAAC CORPORATION

NYSE SYMBOL: FIC

AND TSYS

NYSE SYMBOL: TSS

JANUARY 20, 2005 - 10:00 ET

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

MINNEAPOLIS--(CCNMatthews - Jan 20, 2005) -

New TRIAD Strategy Design Service Allows Lenders to Quickly Develop More
Profitable Account Management Strategies

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 (NYSE:FIC) 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 (NYSE:TSS) (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 (NYSE: SNV)
(www.synovus.com) 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.

Fair Isaac, TRIAD and FICO are trademarks or registered trademarks of
Fair Isaac Corporation, in the United States and/or in other countries.
Other product and company names herein may be the trademarks of their
respective owners.

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Contact Information

  • FOR FURTHER INFORMATION PLEASE CONTACT:
    Fair Isaac Corporation
    John Emerick, 800-213-5542 (Investors & Analysts)
    email: investor@fairisaac.com
    or
    Fair Isaac Corporation
    Angela Carlson, 415-492-5373 (Media)
    email: acarlson@fairisaac.com