Risk Based Pricing Rule – VantageScore VantageScore V1 bar graph VantageScore V1 table VantageScore V2 bar graph VantageScore V2 table VantageScore V3 bar graph VantageScore V3 table

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7%

10%

21%

22%

25%

15%

501 - 549 550 - 599 600 - 699 700 - 799 800 - 899 900 - 990

30%

25%

20%

15%

10%

5%

0%

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April 2013© 2013 Experian Information Solutions, Inc. All rights reserved.VantageScore® is a registered trademark of VantageScore Solutions, LLC

VantageScore® 1.0 – Score Range

6%

10%

23%

26% 26%

9%

501 - 549 550 - 599 600 - 699 700 - 799 800 - 899 900 - 990

30%

25%

20%

15%

10%

5%

0%

% o

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with

sco

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par

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April 2013© 2013 Experian Information Solutions, Inc. All rights reserved.VantageScore® is a registered trademark of VantageScore Solutions, LLC

VantageScore® 2.0 – Score Range

18%

24%

18%

24%

16%

781 - 850661 - 780601 - 660500 - 600300 - 499

30%

25%

20%

15%

10%

5%

0%

% o

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© 2013 Experian Information Solutions, Inc. All rights reserved.VantageScore® is a registered trademark of VantageScore Solutions, LLC

April 2013

VantageScore® 3.0 – Score Range

VantageScore 1.0

Minimum Maximum Interval“Ranks higher

than X%”Cumulative

501 501 2% 2%502 515 1% 3%516 525 1% 4%526 533 1% 5%534 540 1% 6%541 547 1% 7%548 553 1% 8%554 559 1% 9%560 565 1% 10%566 568 1% 11%569 573 1% 12%574 579 1% 13%580 584 1% 14%585 590 1% 15%591 595 1% 16%596 600 1% 17%601 606 1% 18%607 612 1% 19%613 618 1% 20%619 623 1% 21%624 629 1% 22%630 634 1% 23%635 639 1% 24%640 644 1% 25%645 649 1% 26%650 654 1% 27%655 659 1% 28%660 663 1% 29%664 668 1% 30%669 672 1% 31%673 677 1% 32%678 681 1% 33%682 685 1% 34%686 689 1% 35%690 692 1% 36%693 695 1% 37%696 699 1% 38%700 703 1% 39%704 707 1% 40%708 711 1% 41%712 715 1% 42%

716 719 1% 43%720 723 1% 44%724 727 1% 45%728 731 1% 46%732 735 1% 47%736 739 1% 48%740 743 1% 49%744 748 1% 50%749 751 1% 51%752 757 1% 52%758 762 1% 53%763 767 1% 54%768 773 1% 55%774 778 1% 56%779 783 1% 57%784 789 1% 58%790 793 1% 59%794 798 1% 60%799 802 1% 61%803 807 1% 62%808 812 1% 63%813 817 1% 64%818 822 1% 65%823 827 1% 66%828 831 1% 67%832 835 1% 68%836 839 1% 69%840 843 1% 70%844 847 1% 71%848 851 1% 72%852 854 1% 73%855 858 1% 74%859 862 1% 75%863 865 1% 76%866 869 1% 77%870 873 1% 78%874 876 1% 79%877 879 1% 80%880 883 1% 81%884 886 1% 82%887 889 1% 83%890 893 1% 84%894 896 1% 85%897 900 1% 86%901 904 1% 87%905 908 1% 88%909 912 1% 89%913 917 1% 90%918 922 1% 91%

© 2013 Experian Information Solutions. All rights reserved.VantageScore® is a registered trademark of VantageScore Solutions, LLC.

MinimumMaximum

VantageScore 1.0VantageScore 1.0

File date: April 2013

501990

923 927 1% 92%928 934 1% 93%935 941 1% 94%942 949 1% 95%950 959 1% 96%960 972 1% 97%973 990 2% 99%

Instruction: “Your credit score ranks higher than [X] percent of U.S. consumers” where [X] corresponds to the fourth column labeled “Ranks higher than X%”.

VantageScore 2.0

Minimum Maximum Interval“Ranks higher

than X%”Cumulative

501 501 1% 1%502 517 1% 2%518 529 1% 3%530 538 1% 4%539 545 1% 5%546 551 1% 6%552 557 1% 7%558 562 1% 8%563 567 1% 9%568 572 1% 10%573 576 1% 11%577 581 1% 12%582 586 1% 13%587 590 1% 14%591 595 1% 15%596 600 1% 16%601 604 1% 17%605 608 1% 18%609 613 1% 19%614 616 1% 20%617 621 1% 21%622 625 1% 22%626 630 1% 23%631 635 1% 24%636 639 1% 25%640 644 1% 26%645 648 1% 27%649 652 1% 28%653 655 1% 29%656 660 1% 30%661 665 1% 31%666 669 1% 32%670 674 1% 33%675 678 1% 34%679 682 1% 35%683 687 1% 36%688 691 1% 37%692 696 1% 38%697 700 1% 39%701 705 1% 40%706 709 1% 41%

710 714 1% 42%715 719 1% 43%720 723 1% 44%724 727 1% 45%728 731 1% 46%732 736 1% 47%737 740 1% 48%741 744 1% 49%745 748 1% 50%749 749 1% 52%750 752 1% 53%753 757 1% 54%758 761 1% 55%762 765 1% 56%766 769 1% 57%770 773 1% 58%774 777 1% 59%778 781 1% 60%782 784 1% 61%785 788 1% 62%789 792 1% 63%793 795 1% 64%796 798 1% 65%799 802 1% 66%803 805 1% 67%806 809 1% 68%810 812 1% 69%813 816 1% 70%817 821 1% 71%822 825 1% 72%826 830 1% 73%831 835 1% 74%836 840 1% 75%841 845 1% 76%846 849 1% 77%850 853 1% 78%854 856 1% 79%857 861 1% 80%862 865 1% 81%866 868 1% 82%869 872 1% 83%873 875 1% 84%876 879 1% 85%880 882 1% 86%883 885 1% 87%886 888 1% 88%889 892 1% 89%893 895 1% 90%896 898 1% 91%

© 2013 Experian Information Solutions. All rights reserved.VantageScore® is a registered trademark of VantageScore Solutions, LLC.

MinimumMaximum

VantageScore 2.0VantageScore 2.0

File date: April 2013

501990

899 902 1% 92%903 906 1% 93%907 911 1% 94%912 916 1% 95%917 922 1% 96%923 929 1% 97%930 940 1% 98%941 990 3% 99%

Instruction: “Your credit score ranks higher than [X] percent of U.S. consumers” where [X] corresponds to the fourth column labeled “Ranks higher than X%”.

VantageScore 3.0

Minimum Maximum Interval“Ranks higher

than X%”Cumulative

300 420 1% 1%421 443 1% 2%444 456 1% 3%457 465 1% 4%466 471 1% 5%472 476 1% 6%477 481 1% 7%482 484 1% 8%485 487 1% 9%488 491 1% 10%492 492 1% 11%493 496 1% 12%497 497 4% 16%498 501 1% 17%502 506 1% 18%507 511 1% 19%512 516 1% 20%517 521 4% 24%522 524 1% 25%525 529 1% 26%530 534 1% 27%535 539 1% 28%540 545 1% 29%546 550 1% 30%551 552 1% 31%553 556 1% 32%557 561 1% 33%562 566 1% 34%567 572 1% 35%573 578 1% 36%579 584 1% 37%585 589 1% 38%590 594 1% 39%595 600 1% 40%601 605 1% 41%606 610 1% 42%611 614 1% 43%615 618 1% 44%619 621 1% 45%622 625 1% 46%626 629 1% 47%

630 631 1% 48%632 634 1% 49%635 636 1% 50%637 638 1% 51%639 641 1% 52%642 643 3% 55%644 649 1% 56%650 655 1% 57%656 660 1% 58%661 664 1% 59%665 670 1% 60%671 676 1% 61%677 682 1% 62%683 687 1% 63%688 692 1% 64%693 697 1% 65%698 699 1% 66%700 704 1% 67%705 710 1% 68%711 715 1% 69%716 720 1% 70%721 725 1% 71%726 729 1% 72%730 734 1% 73%735 739 1% 74%740 744 1% 75%745 750 1% 76%751 755 1% 77%756 760 1% 78%761 766 1% 79%767 771 1% 80%772 775 1% 81%776 779 1% 82%780 782 1% 83%783 786 1% 84%787 790 1% 85%791 793 1% 86%794 797 1% 87%798 800 1% 88%801 803 1% 89%804 805 1% 90%806 808 1% 91%809 811 1% 92%812 813 1% 93%814 816 1% 94%817 818 1% 95%819 820 1% 96%821 823 1% 97%824 826 1% 98%827 850 1% 99%

MinimumMaximum

VantageScore 3.0VantageScore 3.0

File date: April 2013

300850

Instruction: “Your credit score ranks higher than [X] percent of U.S. consumers” where [X] corresponds to the fourth column labeled “Ranks higher than X%”.

© 2013 Experian Information Solutions. All rights reserved.VantageScore® is a registered trademark of VantageScore Solutions, LLC.