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

MINNEAPOLIS -- First Broad-Based Credit Bureau Score in Taiwan Offers Quick Implementation, Industry-Proven Scoring Technology for Highly Predictive Risk Assessment

Fair Isaac Corporation (NYSE:FIC), the leading provider of analytics and decision technology, announced today that Cathay United Bank will be the first financial institution in Taiwan to use Global FICO(R) score to increase volume in its banking operations while better controlling risk.

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

"We selected Global FICO score for its proven ability as a highly predictive consumer risk score, as well as its faster implementation and payback," said Peggy Wang, Chief Senior Executive Vice President at Cathay United Bank. "Global FICO score will help us increase the value of existing credit bureau data to improve the quality of our originations decisions. In addition, it will help us precisely control our business volumes, delinquencies and bad debt, improving our ability to manage the tradeoff between credit risk and reward."

"Leading financial institutions such as Cathay United are quick to adopt high-performance tools that improve the quality of their lending decisions," said Ron Totaro, vice president of Global Scoring Solutions for Fair Isaac. "As the best tool in its class, Global FICO score will help Cathay United gain new opportunities for expansion while still controlling and monitoring its risk. Cathay United also will have the ability to improve its decisions throughout the customer credit lifecycle, from customer acquisition through account approvals, to full portfolio management."

Last year, Cathay United became the first financial institution worldwide to implement Fair Isaac's TRIAD(TM) adaptive control technology, which accelerates and simplifies businesses' development and deployment of profitable account decision strategies at the enterprise and portfolio levels. Global FICO score is fully compatible with TRIAD, and together they deliver immediate benefits to lenders' bottom line by allowing lenders to make a range of credit-related decisions.

Global FICO score currently is live or is being implemented in Singapore, Thailand, Poland, Sweden, Mexico and Saudi Arabia, and additional interest has been confirmed in other countries across Europe, Asia-Pacific and Latin America. Global FICO score is available to lenders and credit bureaus in any country where robust credit bureau data is available, except in the United States, Canada, United Kingdom and South Africa, where Fair Isaac credit scores are already available.

About Cathay United Bank

Cathay United is headquartered in Taipei, Taiwan and is doing business throughout Taiwan with more than 107 branches and four major product lines: corporate banking, consumer banking, wealth management and credit card. Cathay United currently has eight overseas offices located in China, South East Asia Region and the United States. It is Cathay's goal to offer "One Stop Shopping" services, including insurance, mutual funds, security, trust, loan, deposit and credit cards to meet its customers' different financial needs.

About Cathay Financial Holdings

Cathay Financial Holdings is Taiwan's largest financial services company. The company provides insurance, securities, banking and other diversified financial services to over 9.6 million customers throughout Taiwan. Its major subsidiaries include Cathay Life, Cathay United Bank and Cathay Century insurance. For more information, please visit the Cathay website at www.cathayholdings.com.tw.

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(R) scores, the standard measure of credit risk, to manage their financial health. For more information, visit www.fairisaac.com.

Fair Isaac 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 Global FICO score and the relationship described 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 and uncertainties that may cause actual results to differ materially, including any unforseen 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, and quarterly report on Form 10-Q for the period ended June 30, 2005. 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, Global FICO, FICO and TRIAD 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 trademarks or registered trademarks of their respective owners.