1. © 2011 Fair Isaac Corporation myFICO Mobile App Journey Sep 10, 2014

2. © 2011 Fair Isaac Corporation. Confidential. 2 One year ago, we realized that our customers were already using myFICO.com on their mobile devices, and that this shift was accelerating… MY FICO M OBILE APP

3. © 2011 Fair Isaac Corporation. Confidential. 3 Users were increasingly visiting us on Mobile devices Unique Visitors Conversion % Unique Visitors Conversion % New Visitors on Desktop browsersNew Visitors on Mobile browsers 16% 64% Growth in mobile users far outpaced users on PC

4. © 2011 Fair Isaac Corporation. Confidential. 4 Users would re-visit myFico on Mobile devices Unique Visitors Conversion % Unique Visitors Conversion % Repeat Visitors on Desktop browsersRepeat visitors on Mobile browsers 100% Mobile re-visitors doubled while PC re-visitors stagnated 0%

5. © 2011 Fair Isaac Corporation. Confidential. 5 Customers were eating up Finance apps Finance apps were the third fastest growth category

6. © 2011 Fair Isaac Corporation. Confidential. 6 Key Takeaways on Mobile traffic Customers were increasingly using mobile devices to log in Rate of growth of mobile users far outpaced PC users Customers were consuming Finance on Mobile Apps

7. © 2011 Fair Isaac Corporation. Confidential. 7 Key Takeaways on the Industry myFICO customers were using mobile devices in a big way All of our competitors had Mobile apps myFICO did not have a Mobile app

8. © 2011 Fair Isaac Corporation. Confidential. 8 What did we set out to achieve? Increase customer engagement & retention with a best-in-class Mobile experience

9. © 2011 Fair Isaac Corporation. Confidential. 9 »Launched in Oct 2013 »Native app – slide, tap, pinch/zoom »Alerts sent via Push Notifications »Use a 4 digit pin to login MY FICO M OBILE A PP

10. © 2011 Fair Isaac Corporation. Confidential. 10 R APID ADOPTION BY OUR USERS myFICO did not advertise the mobile app. Customers expected to find a mobile app in the app store

11. © 2011 Fair Isaac Corporation. Confidential. 11 N EW A PP U SERS P ER D AY Apple’s “smart banner” helped increase downloads Smart banner in Mobile phone browser

12. © 2011 Fair Isaac Corporation. Confidential. 12 A PP FEATURES »Simple & gorgeous display of complex credit information »Fico scores from all 3 Credit Bureaus »Analysis of your Fico score with tips and comparisons »Alerts via Apple push notifications

13. © 2011 Fair Isaac Corporation. Confidential. 13 A PP FEATURES »Track your score »View alerts on changes to your credit file and score »Lots of accompanying help material to understand the what, why and what next »Alerts drives user engagement

14. © 2011 Fair Isaac Corporation. Confidential. 14 O NE YEAR LATER … Highly rated at 4½ stars

15. © 2011 Fair Isaac Corporation. Confidential. 15 FICO is the only paid service that is highly rated in this space O NE YEAR LATER, V S. OUR COMPETITION …

16. © 2011 Fair Isaac Corporation. Confidential. 16 R ECENT R EVIEWS WONDERFUL APP ★★★★★ by - Apple2324 - Aug 29, 2014 Absolutely great App. By far the best credit score app I've found. Gives you a very accurate score! Great app. ★★★★ by - TYLER MCCONNICO - Aug 29, 2014 Great app. Highly recommended!!! Great app ★★★★★ by - Bharathkc1 - Aug 23, 2014 Great app My fico ★★★★★ by - Granmah4 - Aug 18, 2014 Great App. Accurate scores and explains credit alerts Much better than the MyFico website. ★★★★★ By - PanicLawyer - Aug 12, 2014 The graph of your scores is easier to read. Great app ★★★★★ by - Monty79lakeside - Aug 8, 2014 AAAAA++++ Horrible. Can't order / or upgrade online. Don't order! ★ By – Jjjjjjjkjj - Aug 4, 2014 Horrible. Waste of time I like it! ★★★★★ By – IceNJ - Aug 4, 2014 Nice app! Inaccurate scoring ★ by - BobbyR seatown! - Aug 1, 2014 Compete ripoff $$$$ scoring not even close to the real thing updates only about twice a month. It said I had a 720 when my credit card had a zero balance then once I used it I charged 250.00 with 90 present still available my score dropped 55 points get the f out of here are you kidding me?? Great app and service! ★★★★★ By – Tycide - Aug 1, 2014 Gives me my actual FICO score instead of some made-up one only 10% of lenders use, alerts me everytime ANYTHING changes on my equifax report. MyFico App ★★★★★ By – Andygilly - Jul 21, 2014 Love this App!! Great for keeping me up-to-date about my credit.

17. © 2011 Fair Isaac Corporation. Confidential. 17 Key Takeaways from our iPhone app experience Mobile App users are far highly engaged than web-only users App users login into the app 3X more than web-only users App users are far more satisfied than web-only users