New Release of FICO TRIAD Offers Breakthrough Strategy Design Capabilities

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MINNEAPOLIS—February 1, 2010—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced the release of FICO® TRIAD® Customer Manager, version 8.5, with significant new strategy design and visualization capabilities. The release makes it easier than ever for lenders to develop and deploy sophisticated decision strategies quickly, resulting in more effective customer treatment, improved profitability, reduced risk and competitive advantage.

Financial institutions use FICO TRIAD Customer Manager to manage some 65% of credit card accounts worldwide, analyzing relationships and risk at the levels of customers and accounts. For example, it is used to make decisions on such factors as credit limits, APRs, promotional offers and collection treatment.

The new version features Decision Graph, a revolutionary strategy design and visualization tool that enables lenders to develop, analyze, fine-tune and compare even the most complex strategies quickly and easily. Decision Graph gives lenders greater insight into how their strategies work. It also helps users when called on to explain strategies to management or regulators. With the new strategy design functionality, FICO clients can build and implement more effective strategies more quickly and with less chance of error, and realize better results sooner. Decision Graph can also simplify strategies, and FICO research shows it can reduce the size of most complex decision strategies by 25 percent or more.

“Right now issuers are especially concerned about striking the right balance between customer satisfaction and customer-level risk,” said David Lightfoot, FICO vice president of product management. “Their strategies have to be more and more sophisticated and therefore complex. FICO TRIAD 8.5 with Decision Graph enables them to be more precise in their customer treatment decisions, which improves profitability and gives them a competitive edge.”

“The prospect of tighter regulatory oversight has many lenders looking for ways to document and explain enormously complex risk management strategies to non-professionals,” said Dennis Moroney, Research Director Bank Cards for TowerGroup. “Strategy design and visualization capabilities are going to be increasingly valuable in this environment.”

The FICO TRIAD 8.5 system is available immediately. It is designed for an easy migration for current users of FICO TRIAD 8.3 or 8.4. Clients using FICO TRIAD 8.1 or later can also purchase the Decision Graph functionality as an add-on to their existing installation.

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. FICO also helps millions of individuals manage their credit health through the website.

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, 2009, and its 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 and TRIAD are trademarks or registered trademarks of Fair Isaac Corporation in the United States and other countries.

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