1. Property of Nomis Solutions Inc. – Confidential Material Innovative Strategies and Technologies to Fuel Growth: Pricing Optimization Auto Finance Executive Primer Frank Rohde Chief Marketing Officer & VP Product Management Nomis Solutions AFSA Vehicle Finance Conference February 7, 2008

2. Property of Nomis Solutions Inc. – Confidential Material 2 About Nomis Solutions ▪Market Leader in Profit-based Pricing for Banking & Finance ▪Most Customers and Experience ▪Exclusive Focus on Banking & Finance ▪Best-in-Class Technology & Science ▪Fastest Time-to-Benefit ▪Nomis Price Optimizer™ for: ▪Auto Finance ▪Home Equity Lending/Mortgages ▪Personal Lending ▪Deposits Founded in 2002, Nomis Solutions is the leading provider of Profit-based Pricing solutions for banking and finance.

3. Property of Nomis Solutions Inc. – Confidential Material 3 How Does Price Optimization Fit In? What we’re hearing from auto finance execs: 1.Manage increasing loss rates 2.Achieve profit improvements by end of FY08 3.Continue to increase shareholder value despite decreased lending volume 4.Create a more favorable credit mix and understand long term impact of current credit mix on portfolio 5.Identify opportunities for growth in a volatile lending environment How Price Optimization can help: 1.Measure and manage adverse selection 2.Price optimization is accretive in 6-8 months 3.10-20% profitability increases without volume hits 4.Simulate and optimize tradeoffs across credit tiers and segments 5.Identify competitors’ pricing and underwriting trends and optimize response to competitors

4. Property of Nomis Solutions Inc. – Confidential Material 4 Pricing Practices and Processes are Flawed Auto Finance companies use similar processes to deploy their rates. However, the current process is flawed. Most organizations lack the tools and insights necessary to use pricing as a strategic lever to achieve performance objectives. These shortcomings result in 10-20% losses in profits and volumes. Pricing Strategy No clear understanding of profit and volume tradeoffs Executive Pricing Committee Rate Sheet Delivery 3-5% of rates are miscoded Pricing Operations Rate Sheet Creation Pricing & Profitability Team 80% of rates are too low or too high Performance Monitoring No ability to understand how prices impacted performance Pricing & Profitability Team Rate Sheet Execution Up to 20% profit loss due to poor negotiation Credit & Funding Operations

5. Property of Nomis Solutions Inc. – Confidential Material 5 Using a more advanced, Profit-based Pricing approach empowers auto finance companies with the tools and insights necessary to price more strategically and intelligently. These improvements result in 10-20% increases in profits and volume. Profit-Based Pricing Process Best Practices Rate Sheet Delivery Pricing Operations Automate Rate sheet coding and delivery Rate Sheet Execution Credit & Funding Operations SmartRanges  optimize negotiation ranges Pricing Strategy Executive Pricing Committee Set profit and volume tradeoffs Performance Monitoring Pricing & Profitability Team Analyze forecast-to- actual variance Recalibrate models Update reports Rate Sheet Creation Simulate, optimize, Communicate and Collaborate Pricing & Profitability Team

6. Property of Nomis Solutions Inc. – Confidential Material 6 Nomis Pricing Optimization & Deal Management Solution Nomis Price Optimizer Nomis Offer Optimizer Optimized Rate Sheets Dealer Apps Credit Analyst Profitability Analytics Price Execution Credit Analyst interactively structures the optimal deal with guidance from the Nomis Optimizer Optimizer Price Sensitivity Models Profit Model SmartRanges™ Deal-level Pricing “Controls” Rate Sheet Development Goals, targets & rules Tactics / Controls Baseline Management Global Input Management Cross portfolio Optimization Smarter Negotiation Ranges Real-time Deal Structuring & Calculation Dealer Performance & Deal History LOS

7. Property of Nomis Solutions Inc. – Confidential Material 7 Where is Price Optimization in Auto Finance? Leading to rapid adoption of Nomis technology: Strong in-market results: 10-30% profit gains and 20-25% volume gains: Annual growth rate (CAGR) of adoption is ~80% Annual Origination Volume Optimized Using Nomis Price Optimizer

8. Property of Nomis Solutions Inc. – Confidential Material 8 Key Insights from Price Optimization in Auto Finance – the numbers (on average) ▪40% of rates go up, 40% of rates go down, 20% stay the same ▪Average rate change 12bps ▪SmartRanges™ limit the most severe 20% of overrides ▪Dealer price elasticity varies by 2-3x across dealer segments ▪Consumer price elasticity varies by 4-5x across consumer segments ▪60% of benefits accrue through optimizing existing rate structure ▪40% of benefits accrue through “pricing expansion” – additional risk score bands, regional pricing, dealer segmentation, fee variation ▪Average time to benefit on price optimization investment: 16 weeks ▪Average reduction in time-to-market of pricing actions: from 2 weeks to 2 days ▪Adverse selection can impact bad rates by up to 2x ▪620 FICO @ 11% = 7% Bad Rate, ▪620 FICO @ 15% = 12% Bad Rate ▪Patent-pending Nomis Adverse Selection Trend Index quantifies adverse selection (credit migration due to pricing)

9. Property of Nomis Solutions Inc. – Confidential Material 9 Nomis Price Optimizer TM for Auto Finance Nomis Price Optimizer TM for Auto Finance + SmartRanges TM Nomis Price Optimizer TM for Auto Finance + Nomis Offer Optimizer TM Organization focused on rate- sheet pricing “Overrides are ok for some deals” 3-20% of deals negotiated Negotiation is a key driver of business strategy “We’ll make the deal work for you” >20% of deals negotiated How You Use Pricing Optimization Depends on Your Business Model Organization dedicated to rate- sheet pricing “Overrides are bad” Less than 3% of deals negotiated Auto-decisioning Hybrid Approach to Pricing Off-rate Sheet Pricing Consistency Flexibility Rate Sheet optimization Rate Sheet & negotiation range optimization Rate Sheet & individual deal optimization

10. Property of Nomis Solutions Inc. – Confidential Material 10 The Basic Improvements from Profit-based Pricing  Generate profit and volume increases by better tailoring buy rates:  Segment dealers and customers  Manage price elasticity  Optimize volume / profit tradeoffs  Use a consistent, repeatable and efficient pricing process:  Eliminate spreadsheets  Eliminate manual coding  Satisfy fair lending requirements  Evaluate responses to competitor price moves before executing rate changes:  Play “what-if” on the competition  Optimize response to competitor rate changes

11. Property of Nomis Solutions Inc. – Confidential Material 11 Get a Deeper Understanding of Your Business  Forecast future performance based on pricing plans: Understand how rates impact future performance and identify where to make changes in order to achieve plan.  Stress test the forecast with macroeconomic changes: Be proactive by testing how a change in vehicle sales, the unemployment rate, or auction values impact the forecast and develop a pricing plan to respond to these new in-market conditions.  Understand the impact of subvention and promotions: Avoid cannibalizing products by understanding the impact of subvention, promotions, or lease rates on the portfolio before implementing prices. MarchAprilMay Auto Finance Portfolio 2008 Forecasting Period

12. Property of Nomis Solutions Inc. – Confidential Material 12 Thank You Frank Rohde Chief Marketing Officer and Vice President, Product Management frank.rohde@nomissolutions.com