Home Credit Group Selects Fair Isaac's Enterprise Decision Management Technologies to Fuel Growth in Emerging Markets

Fair Isaac tools will help major international consumer finance group improve and connect decisions to meet growing demand for consumer credit in CEE and Central Asia

Vienna, Austria, March 3, 2008 -- Fair Isaac Corporation (NYSE:FIC), the leading provider of analytics and decision management technology, today announced at its InterACT customer conference that Home Credit Group, a major consumer finance player in Central and Eastern Europe (CEE) and Central Asia, has selected Fair Isaac's proven software technologies for Enterprise Decision Management (EDM). The integrated solution will enable Home Credit Group to implement automated decision strategies to further enhance profitable growth in consumer lending operations, and support its long-term growth objectives across the CEE and Central Asia region.

Under terms of the agreement, Home Credit Group selected three core Fair Isaac EDM technologies that will help the lender build its own enterprise-wide risk management infrastructure to automate, improve and connect decisions for enhanced business performance. The EDM technologies include Blaze Advisor™ business rules management system, Model Builder and Decision Optimizer. By bringing together business rules and advanced analytics in a single decision service, Home Credit Group will be able to deliver the optimal origination decision to each customer transaction across products, countries and touchpoints.

"This agreement with Home Credit Group offers us significant opportunities to broaden the reach of our market-leading tools and expertise for Enterprise Decision Management in the fast-growing credit markets of Central and Eastern Europe and Central Asia," said Robert Duque-Ribeiro, vice president and managing director of Europe, Middle East and Africa Markets at Fair Isaac. "We are committed to delivering premier EDM solutions and technologies that seamlessly integrate and interoperate with our clients' decision environments. This agility and scalability will help such leading financial services providers as Home Credit to keep pace with the growing demand for consumer credit, while enabling fast, concise and precise decisions across the entire group of companies."

"As consumer credit markets in CEE and Central Asia continue to develop and mature, we are keenly aware of the importance of having sophisticated decision technology in place that can support our growth and further improve our responsible lending capabilities through rigorous risk management," said Pavel Vyhnalek, Group Chief Risk Officer at Home Credit Group. "Fair Isaac has a strong reputation and proven track record in decision and risk management across Europe and Asia. We believe that this robust set of rules management and analytic capabilities will deliver a significant competitive advantage. It gives us the efficiency, agility and speed-to-market that we need to best serve our rapidly growing customer base."

Home Credit Group initially will roll out Fair Isaac's EDM tools in the rapidly growing consumer finance markets of Russia and Belarus. The group plans to expand its use of Fair Isaac technologies to cover operations in other emerging markets in CEE and Central Asia, and China and Vietnam in the near future.

The announcement was made at Fair Isaac's 2008 European InterACT customer conference in Vienna, where Home Credit International's Head of Fraud Prevention Tomáš Kocka will present a case study on the bank's adoption of Blaze Advisor software as the core enterprise platform for deploying underwriting strategies in these fascinating, but sometimes high-risk new markets. The annual forum also features Pavel Vyhnalek in a panel discussion on Risk Management as part of the conference's closing general session.

About Fair Isaac's EDM technologies

Fair Isaac's Blaze Advisor is the world's leading business rules solution and enables non-programmers to design, deploy, execute and maintain business rules and policies as part of an automated business application. Rules can be changed at any time, without disrupting operations and without IT assistance. Rules can be further refined using Fair Isaac's Decision Optimizer, a software tool for optimizing decision strategies given real-world operational complexities, resource constraints and market uncertainties.

Utilizing Model Builder, Fair Isaac's software platform for developing and deploying predictive models, business users can bring scorecards, decision trees and other types of predictive analytics directly into Blaze Advisor without coding. Models become another decisioning element which users can manage and combine with other decision elements and execute as a single process in nearly any operational environment to improve the precision of decisions.

About Home Credit Group

The companies of the Home Credit Group have been operating in the Central and Eastern European as well as Central Asian consumer finance markets and had granted loans in the combined principal of USD 2.7 billion as of 2006 year end. Home Credit Group maintains a leading position in the consumer finance markets of the Czech Republic (entered in 1997), the Slovak Republic (1999), the Russian Federation (operations since 2002, recently 2nd ranking on the consumer finance market), and the Republic of Kazakhstan (since December of 2005). Home Credit Group also entered the Ukrainian and Belarusian market in 2006. The Home Credit Group belongs to the PPF international group of companies which has interests in insurance and consumer finance, and provides complex asset management services. During its 16 years in business, PPF Group has become a leading international financial investor, managing assets of approximately USD 10.8 billion as of the end of 2006.

About Fair Isaac

Fair Isaac Corporation (NYSE:FIC) combines trusted advice, world-class analytics and innovative applications to help businesses make smarter decisions. Fair Isaac's solutions and technologies for Enterprise Decision Management turn strategy into action and elevate business performance by giving organizations the power to automate more decisions, improve the quality of their decisions, and connect decisions across their business. Clients in 80 countries work with Fair Isaac to increase customer loyalty and profitability, cut fraud losses, manage credit risk, meet regulatory and competitive demands, and rapidly build market share. Fair Isaac also helps millions of individuals manage their credit health through the website.

Fair Isaac Statement Concerning Forward-Looking Information Except for historical information contained herein, the statements contained in this press release that relate to Fair Isaac, including statements regarding its Fair Isaac Blaze Advisor, Model Builder and Decision Optimizer product offerings and the benefits to be derived from these product offerings, 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 Enterprise Decision Management strategy, any unforeseen technical difficulties related to the implementation, use and functionality of the offerings, the risks that customers will not perceive material benefits from the offerings, failure of the products to deliver the expected results, the possibility of errors or defects in the offerings, regulatory changes applicable to the use of consumer credit and other data, and other risks described from time to time in Fair Isaac's SEC reports, including its Annual Report for the year ended September 30, 2007, and its quarterly report on Form 10-Q for the period ended December 31, 2007. Forward-looking statements should be considered with caution. If any of these risks or uncertainties materializes, or any of these assumptions proves incorrect, Fair Isaac's results could differ materially from Fair Isaac's expectations in these statements. Fair Isaac disclaims any intent or obligation to update these forward-looking statements.

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