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Employee benefits are a significant part of an employee\'s total
compensation. Because of this, Fair, Isaac offers a comprehensive and
competitive benefits package that allows employees the flexibility to
design a package that meets their needs as well as the needs of their
family members.

Fair, Isaac subsidizes the cost of medical, dental and vision coverage.
In addition, employees are given company-provided Flex Credits that they
can \"spend\" to further offset their costs, or use to upgrade benefits.

All regularly scheduled employees working at least 20 hours per week are
eligible for the benefits described below as of their first day with the
company, unless otherwise noted. In addition, employees may enroll their
eligible dependents and/or domestic partner in the Medical, Vision,
Dental, and Employee Assistance Program coverage.

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# Medical

Fair, Isaac offers the following medical plans with extensive networks
and comprehensive coverage including preventive care, prescription
drugs, hospitalization/emergency room, chiropractic care and mental
health:

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For Employees in California For Employees outside of California

Kaiser Permanente HMO Blue Card Exclusive EPO

Blue Cross CaliforniaCare HMO Blue Card Incentive PPO

Blue Cross Prudent PPO

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# Vision Service Plan

Fair, Isaac offers both basic and enhanced vision coverage. Basic vision
coverage is automatically provided to all employees. Employees may elect
to purchase enhanced coverage and/or coverage for their eligible
dependents. Both plans offer annual eye exams, eyeglass lenses/frames
and contacts.

# Dental Insurance

Fair, Isaac offers basic and enhanced dental coverage through Delta
Dental Plan of California. Both plans provide coverage for preventive,
basic, and major services for employees and their eligible dependents.
The enhanced plan also provides orthodontia coverage for children.

# Health Care and Dependent Care Spending Accounts

Employees can elect to set aside money on a pre-tax basis, under
Internal Revenue Code Section 125, to pay for medical and/or dependent
care expenses:

**Health Care Expenses** **Dependent Care Expenses**

Minimum Annual Allocation: \$120 Minimum Annual Allocation: \$120

Maximum Annual Allocation: \$2,500 (\$5,000 in 2003) Maximum Annual
Allocation: \$5,000

**[Life and Accidental Death/Dismemberment Insurance]{.underline}**

Fair, Isaac employees automatically receive Basic Life and Accidental
Death/Dismemberment coverage, at no cost to the employee. Both of these
plans provide a benefit equal to one times the employee annual base pay,
up to \$500,000 or 5 times annual salary whichever is less. Employees
can also elect to purchase voluntary employee, spouse and dependent
child Life and Accidental Death/Dismemberment coverage, at group rates.
A guaranteed issuance of up to \$300,000 (or 5 times annual salary) for
employees; and \$30,000 for spouses is available for employees who elect
this benefit within the first 31 days of hire.

# Short Term Disability

Fair, Isaac employees automatically receive short-term disability
coverage, which provides a benefit equal to 60% of base earnings for up
to 12 weeks, after a 7-calendar day elimination period has been met.

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# Long-Term Disability

Fair, Isaac employees automatically receive basic long-term disability
coverage that provides a benefit equal to 50% of basic earnings, up to
\$5,000 per month. This benefit is paid out after an elimination period
of 90 calendar days. In addition, employees can elect to purchase
Enhanced coverage to increase coverage to either 60% or 66.7% of basic
earnings, up to \$14,000 per month.

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# Long-Term Care

Fair, Isaac employees automatically receive basic long-term care
coverage, which provides a benefit equal to \$1,000 each month for up to
24 months. Employees can purchase additional coverage for themselves,
their spouse, parents, and grandparents, parents-in-law and
grandparents-in-law.

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# Broad-Based Incentive Plan

Fair, Isaac employees have an opportunity to earn quarterly incentive
awards based on the company's performance and their personal
performance. One must be employed on or before the first business day of
the fiscal quarter in order to participate in that quarter's incentive
opportunity. Payments are generally distributed within 45-50 calendar
days following the end of each fiscal quarter.

# 401(k) Plan

Employees are eligible to participate in the 401(k) Plan on the first
day of the month following date of hire. Maximum investment is 25% of
gross salary up to the IRS annual limit. The company matches 100% of the
first 3% of an employee's investment, and 50% of the next 2% of the
employee's investment. Employer match is vested immediately. Employees
may choose among 14 investment options, providing a variety of
risk/return opportunities. In addition, a brokerage account can be
established with Fidelity which allows employees the flexibility to
choose from among thousands of other investments. Balances from previous
employer qualified plans may be rolled over to the Fair, Isaac 401(k)
Plan immediately. Loans are permissible, subject to IRS maximums and
guidelines.

# Employee Stock Purchase Plan (ESPP)

Employees are eligible to participate in the ESPP on the first day of
any offering period, following their date of hire. Participants elect to
have from 1% to 10% of their pay deducted from each paycheck on an
after-tax basis. At the end of each six-month offering period,
accumulated deductions are used to purchase shares of Fair, Isaac stock.
Employees receive at least a 15% discount on shares purchased through
the plan. The stock price will be 85% of the closing price on either the
first or last day of the six-month trading period---whichever is lower.

# Holidays

Fair, Isaac recognizes the following paid holidays:

[Calendar year 2002]{.underline} [Calendar year 2003]{.underline}

New Year's Day New Year's Day

Presidents' Day Presidents' Day

Memorial Day Memorial Day

Independence Day Independence Day

Day after Independence Day Labor Day

Labor Day Thanksgiving Day

Thanksgiving Day Day after Thanksgiving

Day after Thanksgiving Christmas Day

Christmas Day Day after Christmas

In addition, employees receive one designated "floating" holiday. Full
time employees receive 8 hours of pay for each holiday and part time
employees receive a prorated amount that is based on standard work
hours.

# Vacation

Time off for any reason other than company-observed holidays, jury duty,
bereavement leave or other non-paid leave of absence is subtracted from
your Vacation Bank. New full-time employees receive 40 hours on their
date of hire and accrue additional hours each pay period based on length
of service. Part-time employees also receive vacation, but the accrual
amount is pro-rated based on their regularly scheduled per pay period
work hours. Employees can accrue up to a maximum of 1.5 times their
annual accrual.

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# Sick Time

Full-time employees working 40 hours per week receive 64 hours (8 days)
the first pay period of each calendar year. Sick time for new employees
who join the company during the calendar year will also be pro-rated
based on hire date, and are given full credit for the month in which
they start. Part-time employees working 20 or more hours per week
receive a prorated amount based on their regularly scheduled per pay
period work hours. Any unused sick time remaining at the end of each
calendar year will be transferred to a "Disability Account." Employees
may accrue up to a total of 240 hours in their Disability Account.

# Tuition Reimbursement Programs

Fair, Isaac encourages employees to pursue higher education, seminars,
workshops and/or conferences that will enhance their performance,
knowledge and skills for a job they might reasonably attain with the
company. Reimbursement for up to the first \$1,500 in tuition expenses
is made at 100%. After that, reimbursement is made at 75% of the expense
amount up to a maximum fiscal year total reimbursement of \$5,000.

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# Group Legal Plan

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# Through Fair, Isaac\'s flexible benefits program, employees are eligible to purchase a pre-paid legal plan. Plan members receive legal and financial assistance from a network of attorneys and other qualified professionals on a variety of issues.

# Other Noteworthy Benefits

-   **Flextime** allows employees to structure their work schedules to
    meet both personal and company needs.

-   **Employee Assistance Program** is a counseling and consultation
    service designed to assist employees in resolving a wide range of
    life issues. The services are confidential, free to employees and
    their eligible family members, and available 365 days a year, 24
    hours a day.

# Dress Code: Fair, Isaac realizes that employees may be more productive in a relaxed environment. Given this, appropriate business casual attire is part of our atmosphere.

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# **Employee Involvement**: We encourage employees to participate in various social, sports and community action activities.