Fair Isaac Enterprise Origination Solutions Deliver Competitive Edge In Emerging Romanian Consumer Credit Market

Fair Isaac Corporation (NYSE:FIC), the leading provider of analytics and decision management technology, announced today that Raiffeisen Bank S.A., Bucharest, the Romanian subsidiary of Raiffeisen International Bank-Holding AG, will utilize its enterprise origination solutions to improve decision management and expand its portfolio in Romania’s fast-growing consumer credit market. Under terms of the agreement, the bank selected Fair Isaac’s Capstone® Decision Manager and Capstone® Decision Accelerator solutions to automate and streamline its customer application decisioning process, increase processing capacity, and reduce the number of new applications that require manual review by a credit analyst. Combined, these enterprise origination solutions will enable Raiffeisen Bank to realize greater profitability by booking more loans, reducing operational costs and delays and better managing credit risk. "Raiffeisen Bank intends to leverage Fair Isaac’s deep industry and analytic experience and reduce the time-to-market of new product launches,” said Carl Rossey, Vice President of Raiffeisen Bank. "The Capstone solution will allow us to cost-effectively deliver on our requirements, keep pace with our growth plans and provide a strong foundation for our future objectives.” "As one of the fastest-growing consumer credit markets in the world, Romania offers significant opportunities for Fair Isaac to share our market-leading analytics and expertise in enterprise decision management,” said John Sandifer, Vice President Financial Services EMEA, at Fair Isaac. "With its powerful decisioning and analytic technology, affordability and ease of implementation, Capstone will help leading financial institutions such as Raiffeisen Bank meet the growing demand for credit from consumers and small businesses, and give them a significant competitive edge.” Capstone Decision Manager is used globally to automate and improve decisions in a variety of service industries, including consumer and auto lending, credit cards, small business lending, mortgage and insurance underwriting, and claims processing. Existing clients have automated up to 90 percent of new account application decisions while minimizing risk. In the UK, Capstone processes one quarter of all mortgage underwriting. Leading U.S. financial services companies use Capstone to process more than 35 percent of credit card applications. Specifically designed for new account originations, Capstone Decision Accelerator is ideal for building and maintaining the policies, practices and procedures that define the complex business strategies found in the origination process. The solution leverages the power of Fair Isaac's Blaze Advisor™ business rules management system and will enable Raiffeisen Bank Romania to significantly decrease development time for new policies, decrease dependence on IT to change policies, and rapidly respond to changing market needs. About Raiffeisenbank Romania Raiffeisen Bank is a top universal bank on the Romanian market, providing a complete range of high quality products and services to private individuals, SMEs and large corporations via multiple distribution channels: banking outlets (more than 250 throughout the country), ATM and EPOS networks, phone-banking (Raiffeisen Direct), mobile-banking (myBanking) and Internet-banking (Raiffeisen Online). Raiffeisen Bank is a subsidiary of Raiffeisen International Bank-Holding AG (Raiffeisen International). Raiffeisen International operates one of the leading banking networks in CEE with subsidiary banks and leasing companies in 16 markets. More than 11.7 million customers are attended to through more than 2,775 business outlets. In eight markets, the respective Network Bank ranks among the three largest local banks. Representative offices in Lithuania and Moldova complement the Group’s presence in the region. Raiffeisen International is a fully consolidated subsidiary of Raiffeisen Zentralbank Österreich AG (RZB), which owns 70 per cent of the common stock. The remaining 30 per cent is free-float, the shares are traded on the Vienna Stock Exchange. RZB is a leading corporate and investment bank in Austria and the central institution of the Austrian Raiffeisen Banking Group, the country’s largest banking group. (http://www.ri.co.at, http://www.rzb.at) About Fair Isaac Fair Isaac Corporation (NYSE:FIC) makes decisions smarter. The company’s solutions and technologies for Enterprise Decision Management give businesses the power to automate more processes and apply more intelligence to every customer interaction. Through increasing the precision, consistency and agility of their decisions, Fair Isaac clients worldwide increase sales, build customer value, cut fraud losses, manage credit risk, reduce operational costs, meet changing compliance demands and enter new markets more profitably. Founded in 1956, Fair Isaac powers hundreds of billions of decisions per year in financial services, insurance, telecommunications, retail, consumer branded goods, healthcare and the public sector. Fair Isaac also helps millions of individuals manage their credit health through the www.myFICO.com website. Visit Fair Isaac online at www.fairisaac.com. 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 Capstone Decision Manager and Capstone Decision Accelerator product offerings and the benefits to be derived from these 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 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 offering, 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 on Form 10-K for the year ended September 30, 2006. 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. Fair Isaac, Capstone and Blaze Advisor are trademarks or registered trademarks of Fair Isaac Corporation, in the United States and/or in other countries. Other product and company names herein may be the trademarks of their respective owners.