Philippines’ Largest Bank Selects FICO Solutions to Help Combat Credit Card Fraud

Singapore—July 6, 2012—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced that BDO Unibank (PSE: BDO) of the Philippines has selected FICO^® Falcon^® Fraud Manager to help contain fraud cases in its credit card business. BDO, the Philippines’ largest bank in total resources, loans and deposits, aims to cut its fraud losses in half in the first year using FICO’s industry-leading fraud technology. BDO is also the first bank in the region to purchase the new FICO^® Merchant Monitoring Solution, which helps banks and acquirers (who process transactions for merchants) detect merchant non-compliance with payment association rules and potential transaction fraud.

Credit card usage in the Philippines has expanded significantly in recent years, accompanied by an increase in fraud. Criminals are known to target rapidly growing emerging markets where card usage is outpacing the implementation of effective controls. BDO selected FICO following a rigorous competitive review involving eight global providers. Of all the solutions BDO surveyed, only FICO’s offered advanced neural networks capable of analyzing thousands of transactions against fraud profiles in a matter of milliseconds, as well as proven adaptive analytics – the ability to “learn” new fraud patterns as they emerge.

“We're committed to giving our customers the utmost protection every time they use their credit cards, whether it be via over-the-counter, mobile or online transactions. The FICO solution will assist us in doing that,” said Rolando Tanchanco, BDO executive vice president for Consumer Lending Group. “And we believe the FICO Falcon Fraud Manager can best provide the needed solution to address one of our main business concerns – fraud detection.”

“With the real possibility of a five percent increase per year in credit card losses, it’s critical for Philippine banks to have the most advanced tools to thwart sophisticated fraud schemes,” said Dan McConaghy, president, FICO Asia Pacific. “BDO is demonstrating a firm commitment to protecting its growing customer base from the threat of fraud.”

FICO fraud solutions help banks around the world manage their enterprise fraud challenges. FICO^® Falcon^® Fraud Manager, the world’s leading card fraud management solution, protects more than two billion payment cards worldwide. FICO currently works with five banks in the Philippines to manage credit risk, grow their portfolios profitably and mitigate fraud risk.

About BDO
BDO is a full-service universal bank that provides a complete array of industry-leading products and services to the retail and corporate markets including Lending (corporate, middle market, SME, and consumer), Deposit-taking, Foreign Exchange, Brokering, Trust and Investments, Credit Cards, Corporate Cash Management, and Remittances. Through its subsidiaries, the Bank offers Leasing and Financing, Investment Banking, Private Banking, Bancassurance, Insurance Brokerage, and Stock Brokerage services.

BDO has one of the largest distribution networks, with more than 740 operating branches and over 1,600 ATMs, nationwide. As of 31 December 2011, BDO is the country's largest bank in terms of total resources, customer loans, total deposits and assets under management. For more information, please visit www.bdo.com.ph.

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.

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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, 2011 and its last quarterly report on Form 10-Q for the period ended March 31, 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, Falcon and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.