Yooli.com Chooses FICO to Provide Risk Management to China's Crowd-Funding Sector

BEIJING - January 17, 2013 – Yooli (www.Yooli.com), China’s crowd-funding services website, and FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today jointly announced that Yooli has selected FICO risk management technology as a core element of Yooli’s risk management infrastructure. At the signing ceremony held in Beijing, Mr. Yannan Liu, president of Yooli and Fuscent, the operator of Yooli, and Mr. John Chen, managing director of FICO China, signed the agreement, congratulated by Mr. Gang Zeng, professor from Chinese Academy of Social Sciences, Mr. Alex Yang from Texas Pacific Group, and Mr. Zhongyang Chen, professor from People’s University.

Yooli is a PtoP (person-to-person) crowd-funding online platform that provides finance products for Chinese microfinance investors. Individual borrowers or small business owners can submit loan applications at Yooli.com, and the approved applications are then posted for lenders to judge the risks and potential value, and hence make investment decisions. The borrowers are requested to pay monthly interest upon receipt of the loan.

China's crowd-funding business has grown significantly over the past two years. According to Fuscent, there are more than 150 crowd-funding online businesses with annual turnover of RMB 5 billion yuan in China. During a period of rapid growth, the industry has been hindered by increasing fraud risk and insufficient risk management, which has exposed lenders to potential risks. Yooli provides a transparent and safe system by partnering with FICO and other industry-leading solution providers to create a more efficient system while managing risk.

By selecting FICO's credit risk technology to power its risk management system, Yooli seeks to provide China's crowd-funding investors access to the world-class analytics and risk assessment in use by large financial institutions and crowd-funding websites worldwide. Yooli will leverage FICO's credit risk analytics to help define its lenders' risk tolerances and help them make informed lending decisions based on borrowers' credit risk profile, while borrowers will benefit from a more precise credit risk profile.

"Risk control is the key for finance products," said Yannan Liu, president of Yooli. "By working with FICO, we aim to provide investors with world-class risk management. The credit system built by Yooli with FICO's technology is based on data analysis from many Chinese banks accumulated over several years. We have selected 14 profile criteria in four categories to analyze potential borrowers and provide lenders with the best product resources."

“Yooli is determined to provide its lenders and borrowers with the world’s best decision-making tools, and FICO’s technology is the ideal solution,” said John Chen, managing director of FICO China. “FICO is committed to supporting China’s growing crowd-funding industry in its efforts to enhance transparency and risk management, as well as to improve the customer experience.”

Sobre a FICO
FICO (NYSE:FICO), formerly known as Fair Isaac, delivers superior predictive analytics solutions that drive smarter decisions. The company's groundbreaking use of mathematics to predict consumer behavior has transformed entire industries and revolutionized the way risk is managed and products are marketed. FICO's innovative solutions include the industry-leading solutions for measuring credit risk, managing credit accounts, identifying and minimizing the impact of fraud, and customizing consumer offers with pinpoint accuracy. Most of the world's top banks, as well as leading insurers, retailers, pharmaceutical companies and government agencies, rely on FICO solutions to accelerate growth, control risk, boost profits and meet regulatory and competitive demands.

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About Yooli
Yooli was founded in May 2012 by professionals from finance and technology industries. It is committed to becoming the leading crowd-funding website in China. www.yooli.com.

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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, 2012. 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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