fico - company overview

8/6/2019 FICO - Company Overview

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2008/9 - Confidential Page 1

Company Overview

www.fico.com

This is a confidential document and is intended for the recipient only. It cannot be reproducedor shared without Fair Isaac Corps express consent.


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FICO Confidential Page 2

Contents

Make Every Decision Count ................................................................................................... 3

Our Culture ................................................................................................................................. 3

A Global Business ...................................................................................................................... 4

Focus On Germany ..................................................................................................................... 4

Overview of Key Industries ....................................................................................................... 5

Banking: ................................................................................................................................. 5

Insurance: ............................................................................................................................... 6

Retail: ..................................................................................................................................... 7

Healthcare: ............................................................................................................................. 7

A Trusted Advisor, Value-Orientated Solutions ........................................................................ 8

A Company Structured Around Our Clients .............................................................................. 8

Our Global Multi-Channel Strategy ........................................................................................... 9

Our Core Values ....................................................................................................................... 10

Career Development Planning at FICO ................................................................................... 10

Corporate Social Responsibility ............................................................................................... 11

Quick facts about FICO ............................................................................................................ 11

Global Thought, Market & Executive Leadership ................................................................... 12


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Make Every Decision Count

Founded in 1956, and one of the primary creators of credit scoring, FICO (NYSE:FICO) isthe leader in Decision Management, transforming business by making every decision count.We use predictive analytics to help businesses automate, improve and connect decisionsacross organizational silos and customer lifecycles. Clients in 80 countries work with FICO toincrease customer loyalty and profitability, cut fraud losses, manage credit risk, meetregulatory and competitive demands, and rapidly build market share. Most leading banks andcredit card issuers rely on FICO solutions, as do insurers, retailers, healthcare organizationsand other companies. Through thewww.myfico.comweb site, consumers use the company'sFICO scores, the standard measure of credit risk, to manage their financial health.

FICOs Decision Management solutions, which combine trusted advice, world-class analyticsand innovative applications, include: Decision Management applications- which use Decision Management software to

automate, improve and connect decisions based on our proprietary analytic modelsand user-defined strategies. Each of these solutions is built with the analytics, data,decision strategies and process flow for a particular vertical industry and decisionarea, such as fraud control or credit account management.

Analytics - including predictive models, optimization and portfolio analytics. Ouranalytics - whether delivered as standalone custom engagements or embedded inour applications - bring new precision to decisions.

Decision Management tools - giving businesses the ability to create their owndecision management applications and models. Our tools include business rulesmanagement, model development and decision optimization.

Scoring solutions - which deliver powerful predictions of consumer behaviour tohelp businesses make faster, more profitable decisions. Among our analytic productsis the FICO score, which drives billions of credit and marketing decisions a year,and is recognized as the standard measure of US consumer credit risk.

Professional Services - We use our deep decision area experience and technicalexpertise to help individual clients solve unique business challenges, and get morevalue from our tools and solutions.

Our Culture

FICO may have the experience and knowledge of more than 50 years in business, but we

act with the boldness and enthusiasm of a much younger company. Ours is a business thatfosters and encourages entrepreneurialism and opportunity, where our global structuresupports cross-fertilisation of ideas, and where our collaborative approach means you get allthe support you need to construct and own your vocation, achieve your professional goalsand keep on developing throughout your career.

Our world-class IT and communications infrastructure mean that, whilst we are spreadaround the world, no-one is further away than the office next door. We are flexible on workingpatterns and locations wherever possible what counts are the results; you will not be micro-managed. You will have a world of expertise at your fingertips or just a call away, but we relyon every individual to do what is needed to make things happen. That means that, above allelse, ownership of results is the key to success at FICO. And together, well keep ongrowing and keep on changing the way the world does business.
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A Global Business

Headquartered in Minneapolis USA, FICO serves global markets through offices in 12countries across the globe. We have a substantial presence across the US and ourinternational offices include So Paulo, Beijing, Munich, Bangalore, Tokyo, Kuala Lumpur,Singapore, Madrid, Leamington, Birmingham and London. We also have employees in manymore countries. In addition, we have distributors in Europe, Africa, Australia, Indonesia,Korea, Middle East, New Zealand, Philippines and Taiwan.

In 2009 we rebranded the entire company from Fair Isaac Corporation to FICO, the name bywhich we are best known in the marketplace. In August 2009 we also changed our NYSEticker from FIC to FICO to reflect that change. On the surface, the change in our stock tickeris simple, yet what lies behind it is not. As we continue to leverage our unique andincreasingly valuable position at the intersection of consumer and business interests, its

important that we emphasize our relevance to both consumers and the financial institutionsthat serve them. The trusted FICO brand stands for empowerment, innovation and value,and it resonates well in this regard: over 90% of US financial transactions use the FICOcredit score, and countless mission-critical decisions around the globe are enabled by FICODecision Management Applications and Tools.

We have also embraced new and more sophisticated ways to bring our innovation andthought leadership to the market including (amongst others) our annual global FICO WorldConference, Executive Roundtable Meetings, Roadshows, User Group Forums and aYouTube Channel which now has over 100 videos:www.youtube.com/user/FICOTechTalk

We currently directly employ c. 2,100 people globally. We have weathered recent global

economic headwinds, and as the world economies recover we are seen as the globalleader in Decision Management applications, tools and scoring. We are continuing toinvest heavily in new product development. We are continuing to hire talented individuals andonboard new partners. We are continuing to do what we do - better. This is due to our strongstrategy, effective leadership and management at all levels, sound corporate governanceand, not least, due to the ever-increasing demands for our services and products in helpingcompanies around the world make better decisions. Evidence of our thought and technologyleadership is the fact that FICO currently holds over 81 patents, with 160 more pending.Incredibly, our FICO score is used 10 billion times a year.

Focus On Germany

For many years we have seen significant success with major German banks includingDeutsche and Raiffeisen, partnering with them both in Germany and elsewhere as they haveexpanded their own footprints with cross-border acquisitions and investments.

Having carefully reviewed all aspects of our global business and potential marketopportunities, we have made a strategic decision to invest substantially in the Germanmarket in order to expand and deepen our penetration. This expansion will include sales,sales support, solution expertise, marketing and product localisation for a truly co-ordinatedapproach. As a result, were looking for strong contributors who can demonstrate leadership

as well as expertise to help us build FICOs German operations.
http://www.youtube.com/user/FICOTechTalkhttp://www.youtube.com/user/FICOTechTalkhttp://www.youtube.com/user/FICOTechTalkhttp://www.youtube.com/user/FICOTechTalk


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Overview of Key Industries

FICO works with clients in more than 80 countries and on six continents including leaders in:

Banking:

FICO clients include 90 of the 100 largest financial institutions in the United States, two-thirdsof the largest 100 banks in the world and the 100 largest U.S. credit card issuers. Banks,building societies, finance companies, credit card companies, insurers, commercial creditgrantors and mortgage lenders have achieved lower levels of bad debt, higher volume andincreased efficiency through the use of FICO products and services. FICOs DecisionManagement technology, first applied in financial services, is now available as the goldstandard in analytic models and decision engines for all industry leaders. The credit industryalone uses billions of FICO scores each year to improve decisions throughout the world.FICOs customer management solutions are used by many of the major financial servicesorganisations to acquire, manage and grow customer relationships, resulting in todays useof adaptive control systems to manage over 90% of all credit cards in the U.K and asubstantial figure in the US. More than 700 million card accounts worldwide are managedusing FICO solutions. Our Falcon solutions protect 65% of credit card transactionsworldwide. Our CardAlert service analyses ATM traffic to protect 11,000 banks in the U.S.from fraud.In the context of today's stressed economy and markets, the phrase "return on investment"takes on new significance. Financial institutions look to FICO not only for industry-leadingproducts and best practices, but for scientific ways of deciding where to focus everyresource, action and minute for higher returns. We work with thousands of banks, cardissuers, retail credit issuers, auto lenders, mortgage lenders, credit unions and other creditgrantors worldwide, including:

Abbey National plcABN AmroAbsa Bank, Ltd.Allfirst FinancialAllied Irish Banks GroupAmeriCredit FinancialServices, Inc.ANZ BankUS Army and Air ForceExchange Service

Associates CapitalCorporation plcBanamexBanco Santander, BSCHBanco Santiago, BSCHBancomerBank of ChinaBank of HawaiiBank of New YorkBank of the WestBank OneBarclays BankBNP Paribas

Byblos Bank SALCitibank

Citizens National BankCo-operative BankCREDCOR, Ltd.Danske BankDen norske BankDeutsche BankDiscoverE*TRADEFidelityGE Capital Corporation

GMAC MortgageGrupo, BSCH

Grupo Espirito SantoHalifax Bank of ScotlandHarley-Davidson FinancialServicesHibernia BankHyundai CardImperial BankING Bank, fsbItau SegurosJP Morgan ChaseKeyBank

Kredyt Bank S.A.MasterCard International

Mellon Leasing CorporationNordeaPKO Bank Polski S.A.Raifeissen BankRiyad BankRoyal Bank Financial GroupRoyal Bank of ScotlandSamsung CapitalScotiabankServibanca ACE

Standard Bank of SouthAfrica Ltd.Sumitomo MitsuiTD Canada BankUnibancoU.S. BankVisa InternationalWells FargoWestern UnionWestpac BankingCorporationYapi ve Kredi Bankasi A.S.


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2008/9 - Confidential Page 6

Insurance:

Insurers have adopted FICO's predictive analytics, business rules and decision optimizationto make decisions throughout the customer lifecycle, from underwriting and claims tomarketing and distribution. In 2009 we released FICO Insurance Fraud Manager specificallyto address this industrys needs.

More than 400 insurers worldwide have applied our solutions across multiple lines ofbusiness, including personal and commercial lines, life, health, annuities and pensions.FICO's Decision Management technology and experience working with industry leaders hasyielded tremendous results, including:

Loss ratios improved from 3% to 8%

Underwriting costs reduced by 15% to 20%

Loss adjustment expense reduced by 20% to 25%

Losses due to fraudulent claims reduced by 20% to 50%

Qualified leads increased by 4-6 times

Cost of IT systems support reduced by 40% to 50%.

We have specialised expertise and offerings in personal lines and commercial underwriting,claims management and marketing and distribution. Our clients range from leading globaland US insurers to small-and mid-size regional players:

AAA MidAtlanticAetna, Inc.Admiral GroupAegisAmerican FamilyAmerican Modern InsuranceAmicaAtlantic Mutual InsuranceAviva/Norwich UnionAXACalifornia State Compensation Insurance FundCIGNACNA Insurance

DonegalForemost InsuranceGreat American InsuranceGreat NorthwestThe HartfordING InsuranceIta SegurosKemper Auto and Home Group

Liberty LifeMalaysia National Insurance BerhadMercury InsuranceMutual of Enumclaw Insurance CompanyNew York LifeOhio Casualty Insurance GroupOneBeacon Insurance GroupProgressivePrudential UKReal Seguros, S.A.SAFECOSouthern Farm BureauState Automobile Mutual Insurance Company

Travelers Insurance GroupWestfield Companies


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Retail:

FICO enhances the ability of retailers and manufacturers alike to turn customer insight intomore effective marketing efforts and stronger customer relationships. With the ability to

predict purchase behavior over time, FICO's solutions reveal affinities between the productsthat customers buy, as well as the context in which they buy them.

With greater insight into individual customers, and the ability to translate high-level strategiesinto consistent decisions across large and complex organizations, manufacturers can betterplan and execute marketing and promotional campaigns, and retailers can optimizemarketing, merchandising and credit/risk decisions.

100+ retailers and general merchandisers, including 50% of the top US retailers, rely uponFICO's solutions to build high-value relationships with their customers. These include:

Ann Taylor

Best BuyDillard'sDSW Shoe WarehouseEdgarsEl Cortes InglesEnterprise Rent-A-CarFederated Department StoresFingerhutHome Shopping NetworkHudsons Bay CompanyLittlewoods Retail Limited / Shop DirectMarks & Spencer

Neckermann AG

NordstromRetail Credit Solutions, Ltd.Saks, Inc.Sam's ClubSearsSmith & HawkenTargetTruworthsWalgreensWoolworths Financial (Australia)

Healthcare:

A scientific approach to decisions is reshaping the yield curve in pharmaceutical sales andmarketing. FICO is a leader in the use of analytic insights, marketing decisioning, strategyand cross-channel operations management to improve business effectiveness andperformance.

FICO provides comprehensive solutions for precise, data-driven strategic and operationaldecision-making in pharmaceutical sales and marketing. We work with 150+ healthcare andlife sciences companies, including 8 of the worlds top 10 pharmaceuticals companies. These

include:

Bristol-Myers SquibbCalifornia Department of Health ServicesCenters for Medicare and Medicaid ServicesEDSGEHAGovernment Employees Hospital AssociationHarvard Pilgrim Health CareIntelliClaimKansas Medical Assistance Program

Med InitiativesMeDecision Inc.Oklahoma Health Care AuthorityPerot SystemsPfizerSiemensTexas Health and Human Services CommissionUnited Health GroupVISTA Healthplan


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A Trusted Advisor, Value-Orientated Solutions

FICOs commitment to its clients is evident in every aspect of the company.

Innovation - Since 1956, FICO has brought more new solutions to the field of riskmanagement than any other company - solutions that have yielded time-proven results.

Support - FICOs implementation support includes data analysis, strategy design, education,training and systems integration.

Alliances - Through alliances, we improve distribution and support for all products, createnew solutions via joint ventures, and develop new technology standards. Alliance partnersinclude industry-leading technology companies, bankcard processors, credit informationproviders, software developers and data services companies.

For over half a century FICO has been a leader in analytics, creating the industry standardsin areas like credit scoring, fraud prevention and customer management. We work with morethan 5,000 businesses worldwide and our technology serves thousands more through ourpartnerships. Clients in 80 countries work with FICO to increase customer loyalty andprofitability, cut fraud losses, manage credit risk, meet regulatory and competitive demands,and rapidly build market share. FICO also helps millions of individuals manage their credithealth through thewww.myFICO.comwebsite.

We help organisations in nearly every industry from financial services, insurance, retail,healthcare and beyond and every region of the world to anticipate obstacles andopportunities, use resources more efficiently, and infuse their decision-making processes

with intelligence. As a result, our clients tend to do a better job managing risk, fighting fraud,managing complex rules and regulations, increasing sales and raising customer satisfaction.

We help organisations make decisions that are smart, fast, consistentand simple.

A Company Structured Around Our Clients

FICO is structured around our clients, who are segmented according to size, location orindustry we call these Integrated Client Networks (ICNs).

At the core of this structure are Client Partners, who for our clients are the primary face ofFICO. They develop deep understanding of our clients issues and problems, and utilisingtheir industry and product knowledge, suggest ways in which we can help. Supporting theseClient Partners are sales, pre-sales, product development, product management, marketing,professional services, analytics, business consulting and implementation experts. Thissolution (as opposed to product) led approach delivers deep relationships and sales successas our clients understand the full range of ways in which we can transform their businesses.
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Our Global Multi-Channel Strategy

In addition to a substantial direct sales organisation around the world, we also work withglobal strategic alliance partners, and regional and product focused partners in bringing ourability to transform business decision-making to even more industries and companies.

FICO's Partner Program provides companies with the opportunity to leverage FICO'ssoftware applications, technologies and expertise in Decision Management to strengthentheir products and services and to grow existing and new customer relationships. More than100 companies have current relationships with FICO to resell or embed our high-poweredanalytics, software or services to solve business problems through smarter decisions.

The FICO Partner Program gives companies the opportunity to leverage our mutualcapabilities to serve customers in banking, insurance, communications, retail and

government sectors. We dont take partnering and partnerships lightly - we believe inpartnerships where we can work with leaders in the field to extend the value and capabilitiesthat FICO provides to existing and new customers. We believe in results. We believe in aclear partner purpose in the short term and sustained effort and action and commitment overthe long term.

Therefore, we actively seek, on an ongoing basis, partners interested in working with us to:

Develop and offer innovative joint or integrated solutions and services that useFICO analytics and decisioning technologies

Re-sell or OEM FICO technologies and solutions in conjunction with partners'solutions, technologies and/or services

Team with FICO to address a particular client's need, or the needs of clients thatcomprise a particular market segment, with a bundled solution and servicepackage that represents a winning value proposition.

Offer FICO solutions as 3rd party or outsourced services, such as credit cardaccount management and fraud control.

FICO partners are the major technology and services companies in the world, as well assmaller companies that specialize in specific geographic, product or industry markets. Ourpartners focus with FICO on one or more of the following industry sectors where we mutuallyprovide strong capabilities and experience to our customers:

Financial Services, including Retail Banking, Mortgage Lending, Insurance and

Payments Consumer Markets including Retail and Consumer Goods, CPG and CBG

Healthcare / Pharmaceuticals

FICO's core technology creates platform for many types of partner relationships. Our rapidlygrowing network of over 100 regional/product orientated partnerships around the world iscomplemented and enhanced by global partnerships with IBM, Accenture and Infosys. Otherkey partners include First Data, TSYS, Memento, Inc and Software AG.


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Our Core Values

In contrast to some companies, our Core Values are absolutely central to the way we run ourbusiness they define the behaviours we expect and reward and are pivotal in job definition,hiring decisions, employee recognition, performance management, promotionsrecommendations, and incentive distribution. Our Core Values are:

Focus On Clients Develop Our People Innovate & Collaborate Execute With Integrity Deliver High Performance

Importantly, our Core Values are all expressed as a pair of statements, demonstrating bothcompany and individual commitmentfor example, Develop Our People is (FICO) We will

foster learning and growth by offering an engaging, career-focused environment paired with(employee) I will take responsibility for my career development by pursuing learningopportunities. In this way, we reflect that it takes both ind ividual buy-in and corporatecommitment to manifest a day to day reality.

Career Development Planning at FICO

The complex nature of our business provides a rich source of learning and growthopportunities. Because career paths help you visualise where you are and where youregoing, they should be inspirational - encouraging you to pursue new challenges and learning

opportunities. Thats why weve designed a series of career paths which will take you fromyour first day with us through to the very top if thats where youre headed. And why we alsooffer up to $5,000 to every employee each fiscal year towards the cost of obtaining degreesor professional qualifications that help you follow that path and grow.

We also invest significant people and financial resources on an ongoing basis in thecontinual development of FICO University, our online repository of thousands of learningexperiences to help you do your job better and to enhance your contribution.

You can grow your career at FICO by developing strong technical skills, expanding yourtechnical scope of responsibility over time and contributing as an expert in your field. Or youcan grow your career by developing strong leadership and management skills and providing

direction to increasingly large/diverse groups of resources. Either path can lead you to themost senior job levels in our organisation.

Our career paths are:

Analytics Path (development-focused Analytic Science and Analytic Softwaredisciplines)

Professional Services Path (Solution Implementation, Analytic Services, MarketingSolutions and Product Support disciplines)

Sales Path (Client Services, Client Support , Pre-Sales and Product Sales roles) Software Path (Software Engineering, Quality Assurance, Technical Publications roles) Product Management Path (Product Management discipline) Corporate Operations Path (CIO, CFO, GC, HR, CMO and various internally focused

operations roles)


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Corporate Social Responsibility

FICO is committed to creating value for businesses, consumers and society.

Our Sustainable Enterprise Initiative is aimed at reducing our carbon footprint through theuse of cloud computing, virtualization and other advanced technologies that enable us toconserve energy and natural resources. We are executing a plan begun in 2008 to reducethe energy consumption of our IT infrastructure by 50% and our paper consumption by 80%by 2010. We encourage our employees, our clients and our partners to contribute ideas tothis initiative. FICO is a member of The Green Grid (www.thegreengrid.org), a globalconsortium dedicated to developing and promoting energy efficiency for data centers. Formore information on the FICO's Sustainable Enterprise Initiative, read the Insights whitepaper "Best Practices in Green IT."

As part of our commitment to consumer empowerment, we provide free information on howFICO scores work atwww.myfico.com. We partner with banks and such organizations asthe Federal Citizens Info Center and the Consumer Federation of America to help peopleunderstand how credit scoring works. And we have created programs that our bankingclients can use to provide FICO scores free to their customers on their monthly statements.

Quick facts about FICO

FICO clients include nine of the top 10 companies in the Fortune 500, two-thirds ofthe top 100 banks in the world, 90 of the 100 largest financial institutions in the U.S.,and all the 100 largest U.S. credit card issuers

TheFICO Blaze Advisorbusiness rules management system is ranked #1 in salesand sophistication by industry analysts and other third parties. It was recently namedBest Software Product by Yphise using ISO 9001:2000-certified methodology, andBest Business Rules Management System by InfoWorld.

FICO scoresare the most used credit bureau scores in the world, with more than100 billion scores sold to date. They are available through all of the major consumerreporting agencies in the United States and Canada: Equifax, Experian andTransUnion.

About 65% of the world's credit cards are managed using FICO adaptive controlsystems

FICOfraud systemsprotect 1.8 billion card accounts worldwide.

The top 10 US banks use FICOcollections & recovery solutions.

FICO scores are used in three out of four US mortgage originations.

Our myFICO service has helped millions of people take control of their credit health.In partnership with US credit reporting agencies, we provide the only services thatgive consumers access to their FICO scores from all three main US credit reportingagencies
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Global Thought, Market & Executive Leadership

Dr Mark Greene was named CEO of FICO in February 2007. Mark previously spent 12 yearswith IBM, where he was a leader in the company's financial services industry segment andsoftware business groups. He served as vice president of sales for Financial Services,responsible for setting business development strategy and driving growth across the $24billion banking, financial markets and insurance industry segment. He also served as generalmanager of the Banking unit, IBM's largest industry vertical, with responsibility for a $14billion global business portfolio of 1,200 banking clients. Earlier, he focused on IBM'ssoftware strategy, co-founding the e-commerce initiative now known as WebSphere.

Prior to IBM, Mark served in leadership roles with financial technology firms TechnologySolutions Company, Berkeley Investment Technologies, and Citicorp. He began his career in

1982 at the Federal Reserve Board, where he served as Economist and Assistant Director ofResearch and holds a Bachelor's degree from Amherst College and Master's and Doctoratedegrees from the University of Michigan, all in Economics.

Importantly, Mark has longstanding experience of leading global companies - the businesseshe ran at IBM drew their revenue equally across US, EMEA and APAC.

As Mark commented recently (see a recent video interview of our CEO on CNBC.com here),FICO is uniquely positioned at the corner of Main Street and Wall Street. As oneexample, as at August 2009 our mortgagereliefonline.com website in the US had drawn130,000 visits from homeowners seeking assistance with loan modification with 4,000

modifications completed and an epic 10,000 more in process. Individual consumers aroundthe world want to understand how to better use credit, and we can help. At the same time,our decision management scores applications and tools are more relevant than ever to WallStreet and they are critical to all banks in managing risks and improving profitability.

Our Decision Management offerings are more sophisticated and more relevant than ever - toboth consumers and businesses.

The FICO brand is the gold standard in this environment and we work hard to be goodstewards of that brand.

We have the products, talent and market opportunity to be global thought and marketleaders, changing the way the world does business for the better.

Would you like to be a part of it?
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