HarborOne Credit Union Joins Growing List of Banks and Credit Unions Using FICO LiquidCredit Service

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MINNEAPOLIS – December 19, 2012 – FICO (NYSE: FICO), the leading provider of predictive analytics and decision management technology, today announced that HarborOne Credit Union is implementing the FICO® LiquidCredit® service, a cloud-based scoring solution that speeds consumer and small business lending decisions. The FICO solution will enable HarborOne to approve small business loan applications in hours, not days, and help improve customer satisfaction and attract more small business customers.

HarborOne is using the FICO LiquidCredit platform with the FICO® Small Business Scoring Service℠ (SBSS℠) solution, which includes predictive models built specifically to assess small business credit risk. With this solution, HarborOne can offer faster decisions to small business applicants through process automation and instant risk assessment throughout their branches in New England. According to the U.S. Small Business Administration, small businesses represent 99.7 percent of employer firms, employ half of the private sector, and generated 65 percent of net new jobs over the past 17 years.

“Making the effort to know our customers, combined with our commitment to outstanding service, enables us to offer local businesses an excellent alternative to the bigger, less personal banks,” said James Hanlon, vice president and commercial risk officer at HarborOne Credit Union. “We selected FICO LiquidCredit and SBSS because we wanted flexible and powerful tools for implementing new lending strategies that help us meet the changing needs of small businesses. The FICO solution will enable us to get more credit flowing quickly to the local businesses we serve."

“Demand for credit from small businesses is intense, and small business lenders must respond in real-time with offers closely tailored to the applicant’s needs in order to compete and grow,” said Bill Waid, general manager, Americas at FICO. "Using FICO LiquidCredit, HarborOne Credit Union joins the hundreds of banks nationwide that are pursuing a profitable growth strategy by adapting quickly to changing market conditions and making more competitive offers to small business borrowers.”

The FICO® LiquidCredit® service -- a cloud-based automated origination platform -- is used by hundreds of lenders to accurately decision and price credit offers. Combined with SBSS℠ it gives lenders greater flexibility when lending to small businesses by drawing on multiple data sources and more than 100 combinations of consumer and business models and alternative model suites.

About HarborOne Credit Union
With $1.8 billion in assets, HarborOne Credit Union is the largest state-chartered community credit union in New England and one of the top 100 in the country. Its common bond includes people living or working in Bristol, Norfolk, Plymouth, or Barnstable counties. HarborOne was established in 1917 as Brockton Credit Union, and has grown to its present size with offices in Brockton, Abington, Attleboro, Mansfield, Middleboro, Randolph, Easton, Canton, Plymouth, Raynham and Bridgewater.

About FICO
FICO (NYSE:FICO) 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 FICO® Score — the standard measure of consumer credit risk in the United States — along with industry-leading solutions for 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. FICO also helps millions of individuals manage their personal credit health through www.myFICO.com. FICO: Make every decision count™.

For FICO news and media resources, visit www.fico.com/news.

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, 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.

FICO, LiquidCredit, Small Business Scoring Service, SBSS and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.

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