1. © 2010 Experian Information Solutions, Inc. All rights reserved. 1 Moody’s CreditCycle™ Plus powered by Experian Overview  A comprehensive loss forecasting, stress testing and performance benchmarking solution  Features the integration of Experian consumer credit analytics with Moody's economic data to produce advanced loss forecasting models across lines of business, providing industry benchmarks by geography, risk classification, and select metrics Loss Forecast Comparisons Q1 2008 Vintage, Baseline Scenario

2. © 2010 Experian Information Solutions, Inc. All rights reserved. 2 Leveraging the strengths of two proven approaches External environment: Historic and forecast data plus alternate scenarios Macro or regional economic conditions and variables Advanced loss forecasting, stress testing and benchmarking solution A seamless integration of forecasted and actual portfolio performance views against industry and peer benchmarks to provide complete portfolio risk assessment and planning Consumer credit data and analytics to enhance forecasts Industry, peer and portfolio performance trending and credit market insights

3. © 2010 Experian Information Solutions, Inc. All rights reserved. 3 A turnkey solution Key features  Customized models, specific to your portfolio  Integrated economic data and forecasts  Integrated Experian consumer credit analytics for enhanced forecast prediction  Performance benchmarking across industry and peer trends  Stress testing and scenario analysis  User-friendly desktop application  Ongoing support and access to experts

4. © 2010 Experian Information Solutions, Inc. All rights reserved. 4 Moody’s CreditCycle Plus powered by Experian Summary  The only product on the market to provide a comprehensive risk insight solution by combining unique data sources and modeling expertise ► Advanced loss forecasting prediction leveraging two methodologies ► Stress testing metrics across a series of regional scenarios  Experian consumer credit data and analytics and Moody’s Analytics macro economic data, software and modeling expertise provide for: ► Early insight on expected losses for early corrective action and forward- looking capital planning ► Portfolio benchmarking against forecasted and actual performance to demonstrate where management actions have yielded success against unfavorable trends