Property of Nomis Solutions Inc. – Confidential Material

1. 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 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. How Does Price Optimization Fit In? What we’re hearing from auto finance execs: Manage increasing loss rates Achieve profit improvements by end of FY08 Continue to increase shareholder value despite decreased lending volume Create a more favorable credit mix and understand long term impact of current credit mix on portfolio Identify opportunities for growth in a volatile lending environment How Price Optimization can help: Measure and manage adverse selection Price optimization is accretive in 6-8 months 10-20% profitability increases without volume hits Simulate and optimize tradeoffs across credit tiers and segments Identify competitors’ pricing and underwriting trends and optimize response to competitors

4. Pricing Practices and Processes are Flawed Rate Sheet Creation Pricing Strategy Pricing & Profitability Team Rate Sheet Delivery Executive Pricing Committee Pricing Operations 80% of rates are too low or too high No clear understandingof profit and volume tradeoffs Performance Monitoring Rate Sheet Execution 3-5% of rates are miscoded Pricing & Profitability Team Credit & Funding Operations No ability to understand how prices impacted performance Up to 20% profit loss due to poor negotiation 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.

5. Rate Sheet Creation Pricing Strategy Pricing & Profitability Team Rate Sheet Delivery Executive Pricing Committee Pricing Operations Simulate, optimize, Communicate and Collaborate Set profit and volume tradeoffs Automate Rate sheet coding and delivery Performance Monitoring Rate Sheet Execution Pricing & Profitability Team Credit & Funding Operations Analyze forecast-to-actual varianceRecalibrate models Update reports SmartRanges optimize negotiation ranges Profit-Based Pricing Process Best Practices 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.

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

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

8. Key Insights from Price Optimizationin 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. How You Use Pricing Optimization Depends on Your Business Model Consistency Flexibility Off-rate Sheet Pricing Hybrid Approach to Pricing Auto-decisioning • Organization dedicated to rate- sheet pricing • “Overrides are bad” • Less than 3% of deals negotiated • Negotiation is a key driver of business strategy • “We’ll make the • deal work for you” • >20% of dealsnegotiated • Organization focused on rate-sheet pricing • “Overrides are ok • for some deals” • 3-20% of deals negotiated Rate Sheet & individual deal optimization Rate Sheet optimization Rate Sheet & negotiation range optimization Nomis Price OptimizerTMfor Auto Finance + SmartRangesTM Nomis Price OptimizerTM for Auto Finance + Nomis Offer OptimizerTM Nomis Price OptimizerTM for Auto Finance

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. 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. March April May Auto Finance Portfolio 2008 Forecasting Period

12. Thank You Frank RohdeChief Marketing Officer and Vice President, Product Management frank.rohde@nomissolutions.com