FICO Partners with Cypress Software to Streamline Small Business Lending

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MINNEAPOLIS—November 12, 2009—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced an agreement with Cypress Software Systems to resell the FICO®LiquidCredit® small business scoring models through Cypress’s BizMark® origination application. The integration of powerful FICO analytics into a leading origination platform is intended to streamline the small business lending process while bringing unparalleled consistency to small business loan decisions.

Cypress Software Systems is a leading provider of loan origination and processing software for banks, credit unions, CUSO’s and leasing companies. Its BizMark platform is designed to automate most small business loan decisions, freeing underwriters to focus on “gray area” cases and exceptions. FICO’s LiquidCredit® service is a Web-based decisioning solution developed to enable institutions to utilize FICO’s small business scoring models (SBSS). The combination of BizMark® and LiquidCredit® gives institutions a single platform for all small business lending or leasing decision criteria while improving risk management. It brings a higher level of consistency in processing applications and provides a model that can be easily validated for regulatory compliance.

“Besides being a vital economic engine, small businesses can be highly profitable to the lenders who serve them,” said Steven Croft, senior vice-president at Cypress Software Systems. “Our partnership with FICO will enable our mutual clients to make more profitable, higher-quality small business loans and improve customer satisfaction in this important segment.”

“Today more than ever, profitability is a competitive advantage for financial institutions,” said Robin Wadsworth, vice president at FICO. “With FICO scoring models now available directly through the BizMark® platform, lenders can process more applications in less time, without higher labor costs, while reducing their risks and improving their decisions – all of which yields improved profitability.”

About FICO
FICO (NYSE:FICO) transforms business by making every decision count. FICO’s Decision Management solutions combine trusted advice, world-class analytics and innovative applications to give organizations the power to automate, improve and connect decisions across their business. Clients in 80 countries work with FICO to increase customer loyalty and profitability, cut fraud losses, manage credit risk, meet regulatory and competitive demands, and rapidly build market share. website.

About Cypress Software Systems
Cypress Software Systems LP was founded in 2000 by former banking and risk management executives, with more than 50 years of combined experience. Headquartered in North Richland Hills, Texas, USA, Cypress is a leading developer of automated credit application decision support technology. Cypress provides community and regional banks, finance companies and credit unions with loan application decision and tracking tools equivalent to those used by the largest national lending institutions. Clients, nationwide and in 16 countries, use the company’s flagship products, Mark IV® and BizMark®, to quickly and consistently process consumer and small commercial loan applications. Cypress’ Mark IV offers a flexible, risk-based processing approach that includes tracking consumer loan applications from point of entry to point of decision. Cypress’ BizMark loan automation software processes commercial loan requests within a customer relationship management environment. Both products may be licensed in the bundled Cypress Suite and are offered in either an application service provider (ASP) or traditional business model. The company’s product line also includes AppMark®, an ASP-only consumer lending solution for community banks with assets of $250 million or less. Web site:

FICO 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, 2008, and its last quarterly report on Form 10-Q for the period ended July 31, 2009. 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.

FICO and LiquidCredit are registered trademarks of Fair Isaac Corporation in the United States and in other countries.

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