1. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation's express consent. © 2010 Fair Isaac Corporation. 1 Customer-Level Strategies in Deposits Retention, Growth, Cross-Selling & Profitability Dr. Debb Gordon Sr. Principal Consultant, Financial Services FICO November, 2010

2. © 2010 Fair Isaac Corporation. Confidential. 2 Deposit Priority Topic Request: “Differentiation in a highly competitive/commoditized market” Topic Request: “Differentiation in a highly competitive/commoditized market” Recent Canadian Webinar Responses Deposits Integration Deposits Value Topic Importance Percent

3. © 2010 Fair Isaac Corporation. Confidential. 3 3 Topics »Why Deposits? »What is Customer Management? »How do we define Customer? »What is Profitability? »How and why do we measure Profitability? »Sales and Service as a differentiator »Developing Deposit Strategies

4. © 2010 Fair Isaac Corporation. Confidential. 4 The Value of the Deposit Relationship in Customer Management »Deposit accounts are a focal point of the customer relationship allowing for development of additional relationships beyond simply the depository account »Deposit relationships represent a highly preferred source of funds due to margins greater than wholesale and market funding sources »Deposits serve as a key factor in determining the profitability of a bank through net on funds invested »Generating and maintaining a stable base of deposit relationships is a proactive, not a passive process »This leads acquisitions of deposits to achieve more rapid growth or to build scale quickly in new markets

5. © 2010 Fair Isaac Corporation. Confidential. 5 5 The Profit- Risk Relationship

6. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation's express consent. © 2010 Fair Isaac Corporation. 6 THANK YOU Dr. Debb Gordon Phone Email November, 2010