1. © 2014 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. State of the Auto Finance Industry “The Traffic Report and Forecast”

2. © 2014 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. Kurt Brown Director Chief Compliance and Risk, Americas Nissan Motor Acceptance Mike Kane Vice President Consumer Credit Operations Ally Financial Services Eddie Jones Vice President, Consumer & Commercial Underwriting Hyundai Capital America Marguerite Watanabe President Connections Insights Panel

3. © 2014 Fair Isaac Corporation. Confidential. The “traffic report” for the auto finance industry shows “Normal speeds with some curves to navigate along the way.” 3

4. Agenda © 2014 Fair Isaac Corporation. Confidential. ► The Traffic Report ► Vehicle Sales ► Vehicle Sales Process ► Vehicle Usage ► Vehicle Financing ► Financing Deal Structure ► Regulatory Compliance ► What Lies Ahead ► The Potential Curves in the Road 4

5. © 2014 Fair Isaac Corporation. Confidential. The “Traffic Report” ► What Are The Average Speeds? 5

6. © 2014 Fair Isaac Corporation. Confidential. Vehicle Sales Trends Trucks and SUVs Certified Pre-Owned OEM Consolidation OEM Partnerships Used Vehicle Sales Fleet Sales BHPH Sales Share 6

7. © 2014 Fair Isaac Corporation. Confidential. Vehicle Sales Process Trends Role of Financing Time @ Point of Sale Use of Social Media Direct Sales from Manufacturers 7

8. © 2014 Fair Isaac Corporation. Confidential. Miles Traveled Vehicle Sharing Electric Vehicle Adoption Vehicle Usage Trends 8

9. © 2014 Fair Isaac Corporation. Confidential. Vehicle Financing Trends % Financed Cost of Funds/Funding Availability Captive Share New Lenders Equity Investors Origination Volumes Auto Decisions Lease Penetration eContracting/eProcessing Penetration Mark-up % 9

10. © 2014 Fair Isaac Corporation. Confidential. Vehicle Financing Trends Used Vehicle Prices Impact of Recalls Margins Delinquencies Repossessions Net Charge-offs Credit Losses 10

11. © 2014 Fair Isaac Corporation. Confidential. Average Amt Financed Loan-to-Value Payment-to-Income Monthly Loan Terms Monthly Payment Alternative Data Average APR Book to Look % Average FICO Score Average Non-Prime APR Turnaround Time Financing Deal Structure Trends 11

12. © 2014 Fair Isaac Corporation. Confidential. Regulatory Fines Reputation Impact Cost of Compliance Regulatory Compliance Trends 12

13. © 2014 Fair Isaac Corporation. Confidential. What Lies Ahead? 13

14. © 2014 Fair Isaac Corporation. Confidential. Learn More at FICO World Related Sessions ► Auto Track: Helping Your Dealers to Create a Better Customer Experience ► Auto Track: Using Data to Improve Customer Touchpoints ► Auto Track: Making the Best Offer Experts at FICO World ► Ken Kertz, Auto Finance Practice Leader ► Mark Ryan, Client Services Director, US Financial Services Blogs ► www.fico.com/blog 14

15. © 2014 Fair Isaac Corporation. Confidential. Please rate this session online! 15