Unibanco do Brasil renova compromisso com a solução Falcon da Fair Isaac para apoiar defesas contra fraude

(Mineápolis, Minnesota, USA) - A Fair Isaac Corporation (NYSE:FIC), a provedora líder de analíticos e tecnologia de gerenciamento de decisões, anunciou hoje que o União de Bancos Brasileiros, S.A. (Unibanco) assinou um novo contrato de cinco anos para usar o Falcon™ Fraud Manager da Fair Isaac como sua solução exclusiva de detecção de fraude. Unibanco will use the company's industry-leading fraud management technology to protect its retail credit, debit and private label card portfolios.

Unibanco, Brazil's third-largest private bank with nearly 20 million customers, has successfully used Falcon Fraud Manager since 1998. The system currently protects more than one billion payment cards worldwide, detecting a wide range of fraud with the highest level of accuracy using sophisticated neural network models and other predictive technologies.

"The highly competitive banking environment in Brazil required Unibanco to implement enhanced fraud management capabilities that allow future agility in this rapidly growing consumer credit market," said Jorge Luiz Viegas Ramalho, TI-Operations Director at Unibanco. "Fair Isaac has been enormously skilled in meeting our specific business needs and providing us with powerful decision management solutions that reduce our overall risk exposure. Using Fair Isaac's enhanced Falcon solution will enable us to mitigate fraud risk across all of our card products and channels and react to emerging fraud trends more quickly without impacting our customer relationships."

With a population of 183,5 million, Brazil is the largest consumer credit market in Latin America. Demand for consumer credit has expanded by 115 percent during the period 2003-2006, with credit outstanding estimated to be nearly US$ 110 million at the end of the 2006, according to Euromonitor.

"This new agreement for our Falcon solution is a strong endorsement for the tremendous success of our partnership with Unibanco," said Helcio Beninatto, managing director of Fair Isaac's Latin America operations. "Through the years, Fair Isaac solutions have delivered significant performance results for the bank. We are gratified that our expertise in analytics and financial services has helped one of Brazil's most important financial institutions become a true leader in the use of critical enterprise decision management solutions in Latin America."

Fair Isaac and Unibanco have collaborated closely for many years to help the bank effectively manage risk, control fraud and increase operational efficiencies. In addition to relying on Fair Isaac's Falcon Fraud Manager for fraud protection, Unibanco has been utilizing a customer-centric, enterprise-wide Fair Isaac solution to achieve a 60 percent reduction in loss provisioning during a period of accelerated portfolio growth. This solution integrates Fair Isaac's Capstone^® Decision Manager software for account origination, Customer Management TRIAD™ adaptive control system to manage existing customers and Fair Isaac predictive analytics.

Falcon Fraud Manager's patented profiling technology and broad-based consortium models deliver reliable fraud detection by identifying abnormal spending patterns at the lowest false positives in the industry, resulting in significantly reduced losses. An advanced rules management system allows clients to develop fraud management rules representing industry best practices and their unique business strategy, workflow processes and requirements. A user-friendly case management system improves efficiency, automates and streamlines case handling, and maintains a case audit trail.

About Unibanco
Unibanco-Uniao de Bancos Brasileiros S.A. and its subsidiaries provide financial products and services to individual and corporate customers in Brazil. It operates in four segments: Retail, Wholesale, Insurance and Pension Plans, and Wealth Management. As of December 31, 2006, the company operated approximately 7.600 ATMs and 940 full-service branches. The company was founded in 1924 and is headquartered in São Paulo, Brazil. Unibanco-União de Bancos Brasileiros S.A. is a subsidiary of Unibanco Holdings S.A.

About Fair Isaac
Fair Isaac Corporation (NYSE:FIC) combines trusted advice, world-class analytics and innovative applications to help businesses make smarter decisions. Fair Isaac's solutions and technologies for Enterprise Decision Management turn strategy into action and elevate business performance by giving organizations the power to automate more decisions, improve the quality of their decisions, and connect decisions across their business. Clients in 80 countries work with Fair Isaac to increase customer loyalty and profitability, cut fraud losses, manage credit risk, meet regulatory and competitive demands, and rapidly build market share. Fair Isaac also helps millions of individuals manage their credit health through the www.myFICO.com website.

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 Falcon Fraud Manager, Capstone and TRIAD product offerings, and the benefits to be derived from these offerings, 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 offerings, the risks that customers will not perceive material benefits from the offerings, failure of the products to deliver the expected result, the possibility of errors or defects in the offerings, 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, 2007. 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.