Fair, Isaac and Company, Incorporated is a provider of creative analytics that unlock value for people, businesses and industries. The Company's predictive modeling, decision analysis, intelligence management and decision engine systems power more than 14 billion decisions a year. The Company helps thousands of companies in over 60 countries acquire customers more efficiently, increase customer value, reduce risk and credit losses, lower operating expenses and enter new markets more profitably. Major banks and credit card issuers rely on the Company's analytic solutions, as do many insurers, retailers, telecommunications providers and other customer-oriented companies. Fair, Isaac helps companies solve business problems related to customer acquisition, customer management and business process management. The Company operates in three major segments: Global Data Repositories and Processors, Global Financial Services and Other.