MINNEAPOLIS, MN, Aug. 8, 2005 -- Fair Isaac Corporation (NYSE:FIC), the leading provider of analytics and decision technology, today announced that U.S. Bank has selected Fair Isaac's Strategy Science as a tool to further augment its risk management practices while enhancing both customer service and revenue.

Strategy Science for Credit Line Management is the first technology tool that provides financial institutions with the best possible credit line strategies, customized to their unique business goals and constraints. By expanding the use of advanced analytics beyond predictions to actual decisions, Strategy Science helps banks improve business performance by managing customer credit lines and overall profitability faster, more effectively and efficiently than traditional strategy development methods.

Under the agreement with U.S. Bank, Fair Isaac is developing a decision model for credit line management that leverages the bank's current investments in data and analytics. The solution will help risk managers create optimal line management strategies and simulate the business impact of various scenarios before making any changes to the bank's existing decision strategies.

"After we completed our analysis, it became evident that Fair Isaac's Strategy Science offers the best risk-reward approach for our portfolio," said Bill Mengershausen, senior vice president and manager of Risk Reward Management at U.S. Bank. "It gives us a good opportunity to apply highly sophisticated analytics to our existing portfolio and develop alternatives to our present approach to risk, which will ultimately better meet the needs of our customers."

"Fair Isaac brings unparalleled experience in modeling decisions to support U.S. Bank's ongoing efforts to streamline operations, better understand their customers and build customer loyalty," said Chisoo Lyons, vice president of Analytics at Fair Isaac. "Strategy Science allows lenders to harness the power of its customers and deliver enhanced services and products that achieve better performance sooner and faster in today's crowded market."

Fair Isaac's Strategy Science combines a powerful methodology, process and platform, and models the economics of customer decisions. A powerful decision model maps the relationship between multiple input variables to the range of decision choices available to the user, and to the business consequences and drivers, such as losses and profitability. Fair Isaac's proprietary optimization software, Decision Optimizer, runs data through the model to find the optimal decisions under a stated set of business constraints. The result is a decision strategy that identifies the optimal action to take on each customer.

Strategy Science is part of Fair Isaac's solutions for enterprise decision management, which combines data analytics, modeling and policy-level control to let companies define and manage their automated business systems for improved efficiency and greater profitability. Strategy Science offerings are available as custom strategy developments or as Pre-Configured Applications to optimize results in acquisition, origination, account management, customer retention and fraud referrals.

About U.S. Bank

U.S. Bancorp (NYSE:USB), with $204 billion in assets, is the 6th largest financial holding company in the United States. The company operates 2,383 banking offices and 4,877 ATMs in 24 states, and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions. U.S. Bancorp is home of the Five Star Service Guarantee in which the company pays customers if certain key banking benefits and services are not met. U.S. Bancorp is the parent company of U.S. Bank. Visit U.S. Bancorp on the web at usbank.com.

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, contact www.fairisaac.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 Fair Isaac Strategy Science 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, and quarterly report on Form 10-Q for the period ended March 31, 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 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 trademarks of their respective owners.