Cathay United Bank Selects Fair Isaac's Global FICO Score to Streamline Credit Decisions, Increase Profits

Fair Isaac Corporation (NYSE:FIC), the leading provider ofanalytics and decision technology, announced today that Cathay UnitedBank will be the first financial institution in Taiwan to use GlobalFICO(R) score to increase volume in its banking operations whilebetter controlling risk.

Global FICO score applies Fair Isaac's industry-standard FICO(R)credit risk scoring technology to rank-order consumers according totheir credit risk. Designed to be consistently scaled across creditbureaus and across national borders, Global FICO score has establisheda global standard for consumer credit risk assessment. The Fair Isaactechnology underlying the Global FICO scoring model enables rapiddeployment in any country where credit bureau data is available.

"We selected Global FICO score for its proven ability as a highlypredictive consumer risk score, as well as its faster implementationand payback," said Peggy Wang, Chief Senior Executive Vice Presidentat Cathay United Bank. "Global FICO score will help us increase thevalue of existing credit bureau data to improve the quality of ouroriginations decisions. In addition, it will help us precisely controlour business volumes, delinquencies and bad debt, improving ourability to manage the tradeoff between credit risk and reward."

"Leading financial institutions such as Cathay United are quick toadopt high-performance tools that improve the quality of their lendingdecisions," said Ron Totaro, vice president of Global ScoringSolutions for Fair Isaac. "As the best tool in its class, Global FICOscore will help Cathay United gain new opportunities for expansionwhile still controlling and monitoring its risk. Cathay United alsowill have the ability to improve its decisions throughout the customercredit lifecycle, from customer acquisition through account approvals,to full portfolio management."

Last year, Cathay United became the first financial institutionworldwide to implement Fair Isaac's TRIAD(TM) adaptive controltechnology, which accelerates and simplifies businesses' developmentand deployment of profitable account decision strategies at theenterprise and portfolio levels. Global FICO score is fully compatiblewith TRIAD, and together they deliver immediate benefits to lenders'bottom line by allowing lenders to make a range of credit-relateddecisions.

Global FICO score currently is live or is being implemented inSingapore, Thailand, Poland, Sweden, Mexico and Saudi Arabia, andadditional interest has been confirmed in other countries acrossEurope, Asia-Pacific and Latin America. Global FICO score is availableto lenders and credit bureaus in any country where robust creditbureau data is available, except in the United States, Canada, UnitedKingdom and South Africa, where Fair Isaac credit scores are alreadyavailable.

About Cathay United Bank

Cathay United is headquartered in Taipei, Taiwan and is doingbusiness throughout Taiwan with more than 107 branches and four majorproduct lines: corporate banking, consumer banking, wealth managementand credit card. Cathay United currently has eight overseas officeslocated in China, South East Asia Region and the United States. It isCathay's goal to offer "One Stop Shopping" services, includinginsurance, mutual funds, security, trust, loan, deposit and creditcards to meet its customers' different financial needs.

About Cathay Financial Holdings

Cathay Financial Holdings is Taiwan's largest financial servicescompany. The company provides insurance, securities, banking and otherdiversified financial services to over 9.6 million customersthroughout Taiwan. Its major subsidiaries include Cathay Life, CathayUnited Bank and Cathay Century insurance. For more information, pleasevisit the Cathay website at www.cathayholdings.com.tw.

About Fair Isaac

Fair Isaac Corporation (NYSE:FIC) is the preeminent provider ofcreative analytics that unlock value for people, businesses andindustries. The company's predictive modeling, decision analysis,intelligence management, decision management systems and consultingservices power billions of mission-critical customer decisions a year.Founded in 1956, Fair Isaac helps thousands of companies in over 60countries acquire customers more efficiently, increase customer value,reduce fraud and credit losses, lower operating expenses and enter newmarkets more profitably. Most leading banks and credit card issuersrely on Fair Isaac solutions, as do insurers, retailers,telecommunications providers, healthcare organizations, and governmentagencies. Through the www.myfico.com Web site, consumers use thecompany's FICO(R) scores, the standard measure of credit risk, tomanage their financial health. For more information, visitwww.fairisaac.com.

Fair Isaac Statement Concerning Forward-Looking Information

Except for historical information contained herein, the statementscontained in this press release that relate to Fair Isaac, includingstatements regarding its Global FICO score and the relationshipdescribed herein, and the benefits to be derived from the 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 anduncertainties that may cause actual results to differ materially,including any unforseen technical difficulties related to theimplementation, use and functionality of the offering, the risks thatcustomers will not perceive material benefits from the offering,failure of the product to deliver the expected results, thepossibility of errors or defects in the offering, regulatory changesapplicable to the use of consumer credit and other data, and otherrisks described from time to time in Fair Isaac's SEC reports,including its Annual Report on Form 10-K for the year ended September30, 2004, and quarterly report on Form 10-Q for the period ended June30, 2005. Forward-looking statements should be considered withcaution. If any of these risks or uncertainties materializes or any ofthese assumptions proves incorrect, Fair Isaac's results could differmaterially from Fair Isaac's expectations in these statements. FairIsaac disclaims any intent or obligation to update theseforward-looking statements.

Fair Isaac, Global FICO, FICO and TRIAD are trademarks orregistered trademarks of Fair Isaac Corporation, in the United Statesand/or in other countries. Other product and company names herein maybe trademarks or registered trademarks of their respective owners.