Fair Isaac Corporation (NYSE:FIC) is the leading provider of decision management solutions powered by advanced analytics. Fair Isaac solutions make mission-critical business decisions that are more precise, consistent and agile. Thousands of companies in more than 80 countries use Fair Isaac technology to acquire customers more efficiently, increase customer value and retention, reduce fraud and credit losses, lower operating costs and enter new markets more profitably.

Fair Isaac was founded in 1956 on the premise that data, used intelligently, can improve business decisions. Today the company’s solutions, software and consulting services power more than 180 billion smarter business decisions each year for companies worldwide.

Most leading banks and credit card issuers rely on Fair Isaac solutions, as do insurers, retailers, telecommunications providers, healthcare organizations and government agencies. Through the www.myfico.com website, consumers use the company’s FICO® scores, the standard measure of credit risk, to manage their financial health.

Fair Isaac creates analytic solutions that automate and improve decision strategies. These solutions include analytics such as predictive models and strategy optimization that guide decision strategies; data management and data analysis services that bring complete customer information to every decision; and decision management systems that implement decision strategies in a real-time environment for faster, more consistent and more accurate decisions. Fair Isaac also provides tools and services that help businesses develop and deploy their own systems for enterprise decision management.

Fair Isaac works with more than 5,000 businesses worldwide, and our technology serves thousands more through our partnerships. We serve global markets through offices in 10 countries.

Our Clients

Fair Isaac products and services serve thousands of clients in multiple industries including financial services, technology, insurance, retail, telecommunications, healthcare, pharmaceuticals and governmental agencies. Our clients include:

• Nine of the top 10 companies in the Fortune 500
• 99 of the top 100 U.S. banks and half of the top 50 banks in the world
• Nine of the top 10 U.K. banks
• More than 400 personal and commercial lines insurers in North America and Europe, including nine of the top 10 U.S. personal lines insurers
• 200+ retailers and general merchandisers
• 100+ telecommunications providers worldwide
• 100+ government and public agencies
• More than 80 percent of the top U.S. banks
• Two-thirds of the world’s top 100 banks
• More than 90 percent of the top U.S. card issuers
• 70 percent of the top 50 U.S. property and casualty insurers
• More than half of U.S. state workers’ compensation funds
• Eight of the top 10 pharmaceuticals companies

Our Portfolio of Solutions

Enterprise Decision Management (EDM) applications: Our EDM applications use decision management software to automate and improve decisions based on our proprietary analytic models and user-defined strategies. Each of these solutions is built with the analytics, data, decision strategies and process flow for a particular vertical industry and decision area. For example, in telecom we focus on the acquisition of good customers, lower credit losses, relationship management, reduced fraud, optimized network performance, minimized revenue leakage, increased retention and loyalty, and improved collections. Fair Isaac’s understanding of critical business processes and problems makes our solutions extremely effective in a variety of markets, such as telecom, and operating environments.

Analytics: Fair Isaac solutions draw their power from our analytics. Using our proprietary modeling technologies, we explore data patterns and deliver thousands of analytic models for a wide range of industries and decision areas. Among our analytic products is the FICO® score, which drives billions of credit and marketing decisions a year, and is recognized as the standard measure of U.S. consumer credit risk.

Enterprise Decision Management technology: Our software for business rules management, model development and decision optimization gives businesses total control over decisions at every level of the enterprise. Clients, custom application developers and systems integrators can use the same advanced technology Fair Isaac uses to build the world’s leading EDM systems. Professional services: We use our deep decision area experience and technical expertise to help individual clients solve unique business challenges, and get more value from our tools and solutions. Our consulting engagements bring clients the benefit of Fair Isaac’s firsthand knowledge of industry best practices, along with new ideas for leveraging technology.

Our Solutions for Adaptive CRM in Telecommunications

Through Enterprise Decision Management, Fair Isaac is helping telecom companies bring adaptive capabilities to CRM and other customerfacing operations. Consisting of a flexible set of methodologies, applications, tools and services, EDM can enhance any operational environment.

Fair Isaac delivers three value-added solutions to the telecommunications industry:

Adaptive CRM – to improve marketing effectiveness and performance, Fair Isaac leverages its EDM infrastructure and analytics to support adaptive, flexible, accurate, consistent and customer-targeted decision making across multiple channels.

Financial Excellence – to improve the efficiency and effectiveness of the enterprise managing the financial relationship with its customers, Fair Isaac leverages industryproven solutions and detailed customer information from customer acquisition to account management through to collections and recovery.

Network Optimization – to reduce fraud, optimize network performance and minimize revenue leakage, Fair Isaac leverages its advanced analytics for greater speed and precision.

EDM for Retail: Helping Manufacturers and Retailers Connect With Consumers

Fair Isaac supports three primary constituents in the production, distribution and sale of consumerbranded goods: the manufacturer, the retailer and the consumer. We bring value to all three by placing EDM at the center of their relationship.

Through EDM, Fair Isaac provides manufacturers and retailers with unprecedented vision and the ability to translate high-level strategies into consistent decision making across large and complex organizations. These insight and decisioning capabilities drive enhanced cooperation and superior business performance.

Fair Isaac offers expertise and offerings for consumer-branded goods, including solutions for direct-to-consumer marketing. And we offer solutions for retail, including solutions for retail marketing, merchandising, store credit management and online fraud detection.

In addition to coordinating their interactions with manufacturers, retailers apply Fair Isaac Enterprise Decision Management to drive a customer-centric approach to their business. Customer-centricity involves designing and delivering the marketing, sales and service experience to distinct market segments in very different ways. EDM helps retailers apply customer-centric approaches consistently across the organization, and is an important contributor to same store sales growth.

In marketing, EDM helps retailers more precisely target and tailor offers and messages to acquire, develop and retain profitable customer relationships.

In merchandising, insights from EDM help retailers offer consumers an appealing, well-priced assortment of merchandise that maximizes the productivity of shelf space.

In fraud and loss prevention, EDM’s analytic capabilities can minimize theft and fraud losses without undue effects on customer and employee good will.

And in financial services, EDM applications can facilitate retail sales through associated offers of credit, while minimizing losses due to bad debt.

In addition to the general capabilities of enterprise decision management, Fair Isaac has specialized expertise and offerings in retail marketing, merchandising, store credit management and online fraud detection.

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 also helps millions of individuals manage their credit health through the www.myfico.com website. Visit Fair Isaac online at www.fairisaac.com.