First Federal Savings Bank Selects FICO Cloud-Based LiquidCredit Service to Speed Consumer Lending

MINNEAPOLIS – October 10, 2012 – FICO (NYSE: FICO), the leading provider of predictive analytics and decision management technology, today announced that First Federal Savings Bank is implementing the FICO^® LiquidCredit^® service, a cloud-based instant credit decisioning solution, to speed consumer lending decisions. The FICO solution will provide an immediate and cost-effective way for First Federal Savings Bank to measure consumer applicant risk for its auto, home equity and recreational loans.

As part of the FICO LiquidCredit service, First Federal Savings Bank is using FICO^® Consumer Application Risk models. Built from FICO’s analysis of a large pool of consumer loans, the models will help First Federal Savings Bank reduce delinquency and charge-off losses, approve more applicants, increase profitability, streamline operations, cut decision time and ensure regulatory compliance. Leveraging LiquidCredit as a cloud-based service, First Federal will be able to get instant decisions, based on both the models and user-defined strategies, without installing software.

"To maintain our strong market position, we feel it’s important to offer complete lending services at all of our locations,” said Kirby King, chief operating officer at First Federal Savings Bank. “Being able to automate the origination process and approve loans quickly and cost-effectively, while meeting regulatory requirements is critical for our customers and our branches.”
"The consumer lending market is coming back to life, and with that comes greater competition," said Bill Waid, vice president of client services in North America at FICO. "Using FICO LiquidCredit, First Federal Savings Bank will be able to meet pent-up demand with faster approvals while pursuing its sustainable growth strategy as consumer borrowing picks up."

The FICO^® LiquidCredit^® service gives credit grantors an intelligent network for providing instant credit across any channel. It provides credit grantors with access to FICO’s industry-leading analytic models, which analyze application, financial, consumer and business bureau data to drive better credit risk decisions. Using the LiquidCredit decision engine, credit grantors can realize greater profitability by booking more loans and cutting losses.

About First Federal Savings Bank
Established in 1904, First Federal Savings Bank has been serving the needs of its customers for over 108 years. First Federal Savings Bank is a state chartered commercial bank with 11 locations. Its corporate headquarters are in Evansville, Indiana.

Sobre 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™.
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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 June 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 and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.