Confidential and Proprietary 1 ...lift in KS over generic scores ...improvement in bad capture rate in bottom 20% over generic scores credit score Challenge o Wanted to expand into New Markets (geographically) o Needed to transform from a Prime Lender to Full Spectrum Lender (credit expansion) without any internal risk tools o Wanted to quickly & effectively build a scorecard for non- prime/subprime population but had no data or experience in this area o Did not have internal resources to complete Solution +27% +16% Results Full-Spectrum Auto Lender Application o Started Generic: Validated a generic score first and then moved to a configurable score solution o Access to unique data assets: Telco & Lexis Nexis public record data o Saved time & money: Built

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