London — December 19, 2012 — FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today released its quarterly UK cards data showing that average total sales per “classic” card hit a two-year high in September. The latest data from the FICO® Benchmark Reporting Service showed that average total sales on classic cards — which exclude premium cards, student cards and Irish cards — hit £550, a 14 percent increase over September 2011. However, sales on premium cards fell, driven by lower spending among newer accounts.

FICO’s data also revealed strong payment performance. The percentage of payments to balance was up 19 percent over September 2011, and the percentage of accounts that were one cycle (30 days) or two cycles delinquent hit two-year lows. Classic, premium and student cards all hit a two-year low in the average amount overlimit, and classic and student cards both hit a two-year low in the percentage of accounts that were over their credit limit.

“While the gains here may be modest, the higher card spending suggests consumers have more confidence in their financial outlook,” said Frans Labuschagne, managing director for FICO in Europe, the Middle East and Africa. “They also continue to demonstrate the good repayment habits that protect their ability to spend. On the other hand, the lower-than-usual spending over the past six months on premium cards — which comprise about 24 percent of all UK cards — seems to be the result of lower credit lines on new premium cards.”

The card performance figures are part of the data shared with subscribers of the FICO® Benchmark Reporting Service, which compares overall market performance in the UK cards market with individual card issuers’ performance. The data sample studied represents 26 million accounts, or about half of all credit cards issued in the UK, and comes from client reports generated by the FICO® TRIAD® Customer Manager solution in use by most UK card issuers.

Card issuers that subscribe to the FICO® Benchmark Reporting Service receive a quarterly review of their portfolio compared to the industry, with 24 months’ worth of data. For greater insight, subscribers can explore the data by vintage of accounts. For information on the FICO Benchmark Reporting Service, contact Stacey West at staceywest@fico.com.

About FICO
FICO (NYSE:FICO), formerly known as Fair Isaac, 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 industry-leading solutions for measuring credit risk, 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. Learn more at www.fico.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.

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