Tesco Bank Chooses FICO Analytic Solutions

LONDON—January 20, 2011—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced that it will provide collections, risk and fraud solutions to Tesco Bank for its banking platforms. Tesco Bank is the UK’s most successful supermarket bank, with 6,5 million customer accounts across 28 product lines.

To support its banking operations, Tesco Bank has purchased four FICO decision management solutions – FICO^® Debt Manager™ for collections and recovery, FICO™ PlacementsPlus^® service for collections agency management, FICO^® TRIAD^® Customer Manager and FICO™ Falcon^® Fraud Manager. Tesco Bank plans to go live with the entire suite in mid 2011.

The FICO solutions will support Tesco Bank’s lending decisions and provide additional security against fraud.
"The means by which banks create a value-focused customer experience, while managing credit and fraud losses, creates a core competitive differentiator in the marketplace," said Mike Gordon, vice president and managing director for FICO in EMEA. "We are excited to be supporting Tesco Bank's plans in this area and look forward to helping Tesco Bank improve its lending decision making, reduce fraud and build customer loyalty."

FICO’s suite of solutions for managing credit combines predictive analytics, decision management software and best practices. FICO^® TRIAD^® Customer Manager is used to manage two-thirds of the world’s active credit cards. FICO™ Falcon^® Fraud Manager protects more than 2 billion debit and credit cards worldwide.

Sobre a FICO
FICO (NYSE:FICO) is the leader in analytics and decision management technology, transforming business by making every decision count. FICO combines trusted advice, world-class analytics, and innovative applications to help businesses automate, improve, and connect decisions over customer lifecycles and across the enterprise. Clients in 80 countries work with FICO to increase customer loyalty and profitability, reduce fraud losses, manage credit risk, meet regulatory and competitive demands, and rapidly build market share. FICO also helps millions of individuals manage their credit health through its consumer website, www.myFICO.com.

About Tesco Bank

• Tesco Bank is the UK's largest supermarket bank. Since its launch in 1997, it has grown to have 6,5 million customer accounts across 28 financial products and services.
• Its principal activities are: general insurance - motor, home, pet and travel; credit cards and personal loans; personal savings; Tesco Compare and a network of cash machines (ATMs).
• Its products are sold through multiple channels including in-store, by telephone and online.
• Tesco Bank is fully owned by Tesco plc.
• Tesco Bank is a trading name of Tesco Personal Finance plc. Registered in Scotland No. 173199. Registered Address: Interpoint Building, 22 Haymarket Yards, Edinburgh, EH12 5BH

Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this news release that relate to FICO or its business 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 the success of the Company's Decision Management strategy and reengineering plan, the maintenance of its existing relationships and ability to create new relationships with customers and key alliance partners, its ability to continue to develop new and enhanced products and services, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use of consumer credit and other data, the failure to realize the anticipated benefits of any acquisitions, continuing material adverse developments in global economic conditions, and other risks described from time to time in FICO's SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2010. If any of these risks or uncertainties materializes, FICO's results could differ materially from its expectations. FICO disclaims any intent or obligation to update these forward-looking statements.

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