NBKI Introduces FICO Expansion® Score for Russian Lenders

MOSCOW and MINNEAPOLIS — March 16, 2010 — National Bureau of Credit Histories (NBKI), the premier credit bureau in Russia, and FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced the immediate availability to Russian lenders of the FICO Expansion^®score from NBKI. The innovative score will help Russian lenders confidently extend credit to millions of consumers who are new to credit or who have little credit history, based on the score’s expert assessment of their credit risk.

Many Russian lenders would like to expand their credit market to include more new borrowers, but applicants without a credit history pose a significant challenge to a lender’s ability to assess credit risk. Such applicants may lack a credit history because they have never before applied for credit, or they did not give consent to send their credit history information to the credit bureau, or their use of credit predated the arrival of Russian credit bureaus in 2005. Often such borrowers are conservative credit users with stable finances. FICO Expansion^®score is an appropriate risk assessment tool in all these situations. Calculation of the FICO Expansion^® score primarily uses information from the person’s credit application, instead of a traditional credit history.

“The FICO Expansion Score produced at NBKI is important for Russian banks and consumers because it will help open the credit market to millions of people who today have little or no credit experience,” said Alexander Vikulin, general director of NBKI. “This objective new measure gives banks a much more accurate view of the likelihood that these consumers will repay their debt. The availability of FICO Expansion Score also means that banks can now extend credit to credit-worthy consumers who would in the past have been declined it, while better identifying risky consumers who are less likely to repay debt.”

Russian lenders can use FICO Expansion^® score to more confidently tailor their credit product offerings to the risk profile of consumers who have little or no credit experience. In this way lenders can safely increase their penetration of the market, reduce their risk exposure, and improve their profits in a controlled and customizable manner. The score is complementary to custom application and behavior models and can be used alongside internal scores at all stages in the credit lifecycle.

“We used our deep experience in developing credit scoring models to produce a strong, reliable NBKI risk score for the thin-file credit market,” said Tom Quinn, vice president of Scores for FICO. “NBKI’s new FICO Expansion score neatly complements the regular FICO score, which NBKI has provided commercially since August, 2008. Lenders throughout Russia now have access to premier FICO scores for assessing the risk of any consumer, regardless of their credit experience.”

About NBKI
National Bureau of Credit Histories, OJSC, was established by leading Russian banks and is known as a leader in the Russian credit information market. NBKI is significantly more successful than all other Russian credit bureaus with the largest number of partner banks and the largest number of credit reports issued. NBKI also has the highest hit-rate for Russian bureaus with over 60% of reports returned with a history. One-third of all Russian credit histories are stored at NBKI. Learn more about NBKI at www.nbki.ru.

About 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.

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, 2009, and its last quarterly report on Form 10-Q for the period ended December 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, Expansion score and Fair Isaac are trademarks or registered trademarks of Fair Isaac Corporation in the United States, Russia, and/or other countries.