Bringing your data to life

Transcription

1 Bringing your data to life

2 Introducing: Ian Dunn isible Equity Elias Tuma Experian

3 Bring your data to life Creating efficiencies through technology How can technology help to: Make data easier to obtain and manage? Unlock additional insights from your data? Streamline exams and satisfy regulators? 3 Experian 4/28/2017 Experian Public ision 2017

4 Removing friction Data on-demand Prescreen and account review data at your fingertips Reduce file transfers both internally and externally Data delivered directly back into the platform over the web Real-time counts with a robust set of scores and attributes (Prescreen) 4 Experian 4/28/2017 Experian Public ision 2017

5 Interactive reporting Extracting value from your data Intuitive report building makes it easier than ever before to bring meaningful insight out of your data Ditch the CS file! Pre-built and fully customizable reports Integrate Experian data with other data sets (loans, applications, etc.) 5 Experian 4/28/2017 Experian Public ision 2017

6 Exams made simple(r) Getting and staying ahead of regulatory requests Easy-to-use solution gets more out of your existing resources Information is centrally located Pre-built reports regulators have requested previously 6 Experian 4/28/2017 Experian Public ision 2017

7 Three real-world scenarios but first let s play a little game 7 Experian 4/28/2017 Experian Public ision 2017

8 Where s Waldo? (One minute. Ready. Set. Go!) 30 Seconds to go Times up 15 Seconds 8 Experian 4/28/2017 Experian Public ision 2017

9 What if technology could help us find Waldo faster, easier and more accurately? isualizations Data Analytics Platform 9 Experian 4/28/2017 Experian Public ision 2017

10 Three real world scenarios Scenario 1: Identify borrowers with hidden risk Scenario 2: Identify best home equity loan candidates Scenario 3: Identify borrowers most likely to transfer their credit card balance 10 Experian 4/28/2017 Experian Public ision 2017

11 Scenario 1 Identify borrowers with hidden risk 1. Refresh credit scores 2. Produce credit score migration report 3. Drill down to borrowers with negative migration 4. iew these borrowers by out of institution delinquency Goal: Make steps 1-4 fast and easy 5. Add to watchlist (or make other appropriate decision) So you can spend time making good decisions 11 Experian 4/28/2017 Experian Public ision 2017

12 Home Report Packets Upload/Manage Data Tools Settings Messages David v Welcome, David LOAN LOAN Analytics APPLICATION Analytics ADANCED LOAN Analytics ALLOWANCE Expected Credit Loss (CECL) EXPERIAN Account Review EXPERIAN Prescreen Not Subscribed DEPOSIT Analytics CUSTOMER & Marketing Analytics Not Subscribed Not Subscribed PEER Analytics Not Subscribed FAIR LENDING Analytics Select Account Schedule Training Review to get started

13 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Reports Help Welcome: Experian Account Review Order Data Scheduled Date Order Name 7/15/2017 Account Review 10/15/2017 Account Review 1/15/2018 Year End Account Review 4/15/2018 Account Review Start a new order Build New Order iew Order History Reports Standard Reports Build New Report Saved Reports Help ideos Documents

14 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Select Order [ Build New Order v ] Order Summary Choose from new or prior orders Contact Experian Order Reports Help Scores Premier Attributes EIRC (Estimated Interest Rate Calculations) TAPS (Total Annual Plastic Spend) Trended Data Choose your desired product(s)

15 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Reports Help Select Order [ Build New Order v ] Order Summary Contact Experian Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* antagescore 3.0 Standard Filter: Primary Borrowers 43,230 $X.XX $X,XXX.XX Processing Fee (Experian) 43,230 $X.XX $X,XXX.XX Processing Fee (isible Equity) 43,230 $X.XX $X,XXX.XX Order $X,XXX.XX* *Actual costs depends on number of records returned. Processing Fees based on unique records. Let s choose a credit score Scores 2 Confirm & Order antagescore 3.0 FICO 2 FICO 8 FICO 9 Bankruptcy Plus Bankruptcy Plus (Rescaled) Income Insights Select Accounts (Records) to Process: [ Standard Filter: Primary Borrowers v ] On all Primary Borrowers Learn More Update Premier Attributes

16 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Reports Help Select Order [ Build New Order v ] Order Summary Contact Experian Let s order Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* antagescore 3.0 Standard Filter: Primary Borrowers 43,230 $X.XX $X,XXX.XX Core Package Standard Filter: Primary Borrowers 43,230 $X.XX $X,XXX.XX Processing Fee (Experian) 43,230 $X.XX $X,XXX.XX Processing Fee (isible Equity) 43,230 $X.XX $X,XXX.XX Order $X,XXX.XX* *Actual costs depends on number of records returned. Processing Fees based on unique records. Scores 2 Confirm & Order Premier Attributes isible Equity Standard Package Core Package Credit Union Package Auto Package Bankcard Package Mortgage Package Select Accounts (Records) to Process: [ Standard Filter: Primary Borrowers v ] And Core Premier Attributes so we can get the Out of Institution Delinquency Learn More Update

17 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Reports Help Order Order Summary Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* antagescore 3.0 Standard Filter: Primary Borrowers 43,230 $X.XX $X,XXX.XX Core Package Standard Filter: Primary Borrowers 43,230 $X.XX $X,XXX.XX Processing Fee (Experian) 43,230 $X.XX $X,XXX.XX Processing Fee (isible Equity) 43,230 $X.XX $X,XXX.XX $X,XXX.XX* *Actual costs depends on number of records returned. Processing Fees based on unique records. Place Order Order Name [ Scenario 1 ] [ x ] One Time Order on [ Now ] [ ] Recurring Cancel Place Order *Please select a date that allows enough time for desired data files to be updated.

18 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order Historyy Reports Standard Reports > Saved Reports Standard Reports Executive Summary All Trades Summary Delinquency Report Build New Report Help Credit Score Concentrations Credit Score Migration Credit Score Trends Let s look at a Credit Score Migration report Credit Score by All Trades Matrix Key Stats

19 Original Credit Score Grade Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David v Credit Score Migration Let s take a closer look at all borrowers negative migration Export v Return Credit Score Grade Drilldown to a list of loans

20 Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David v Custom Report: Negative Credit Score Migration & Delinquency Export v Return Filter (1) v 8,700 / 43,230 $104,101,300 / $748,058,701 Balance by Category Most of the negative migration is in Consumer Portfolio Delinquency All of the In House delinquency is in Consumer Would other segments even be on your radar? What about Out of Institution Delinquency?

21 Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David v Negative Credit Score Migration & Credit Bureau Delinquency Export v Return Filter (1) v 8,700 / 43,230 $104,101,300 / $748,058,701 Balance by Category There is still a substantial volume of negative migration in other segments hidden risk? Delinquency (Out of Institution) First Mortgage $400,030 Second Mortgage $300,007 HELOC $510,003 Auto $1,150,042 Bankcard $645,114 Consumer Installment $212,786 Consumer Revolving $367,001 Delinquent All Trades $3,584,983 Credit Inquiries 703 Bankruptcy Flag 112 Collection Accounts 677 Public Records 453 Hidden risk?

22 Scenario 1 Identify borrowers with hidden risk Hidden risk 1. Refreshed credit scores and Premier Attributes 2. Produced credit score migration report 3. Drilled down to borrowers with negative migration 4. iewed these borrowers by out of institution delinquency Goal: Make steps 1-4 fast and easy 5. Add to watchlist (or make other appropriate decision) More hidden risk So you can spend time making good decisions 22 Experian 4/28/2017 Experian Public ision 2017

23 Let s talk exams Do you have a handle on what s going on at your institution? (Do you know your data? Do you have consistent, comprehensive reporting?) Can you prove it? (Ad hoc reports!) Do you know what the focus will be? (Best practices reporting)

24 Let s talk building custom reports and filtering

25 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order Historyy Reports Standard Reports Build New Report Saved Reports Build New Report > Help 1. Global Filter or Per Element Filter 2. Report Layout (Select Report Elements) 3. Element Options (Stratifications, Show Options, Customizations, etc.)

26 Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David Welcome Order Data Order Historyy Reports Build New Report Filter (0) v Chart [ Credit Score v ] [ Not Selected v ] [ Show v ] Update 6/30/2017 v Global v Edit Layout Export v Save Global Filter Per Element Filter 12,500 / 12,500 $900,000,000 / $900,000,000 Standard Reports Saved Reports Build New Report > Help > < 620 $105,000,000 (12%) $90,000,000 (10%) $105,000,000 (12%) Table [ Category v ] [ Not Selected v ] [ Show v ] Update Category Count Balance % Balance % of Total Assets Consumer Lending 7,500 $305,000, % 20% Commercial Real Estate 1,000 $79,500, % 5% Residential Real Estate 1,500 $225,500, % 15% Business Lending 2,500 $290,000, % 19% Total 25,000 $900,000,000 List [ Show v ] Update loan ID Last Name Loan Type Subcategory Balance Origination Date Maturity Date Credit Score LT PD Dunn First Mortgage First Mortgage $300,000 1/15/2015 1/15/ % 1.1%

27 Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David v Export v Return Filter (0) v 43,230 / 43,230 $748,058,701 / $748,058,701 Standard filters > Saved filters > Advanced filter (build new saved filter) Standard filters Standard category/subcategory > Custom category/subcategory > Origination period > Delinquency > Grade/rating >

28 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Advanced Filter Save / Return v Count: 18,500 / 43,230 Balance: $300,000,000 / $748,058,701 Filtering by: 1 Subcategory: New Auto x [ And v ] Select Filter Category: [ Standard Categories v ] [ ] Residential Lending [ ] First Mortgage [ ] Second Mortgage [ ] Etc Select from multiple filter categories including loan characteristics, borrower characteristics, credit bureau data, etc. Save filter for quick future access 2 Subcategory: Used Auto x [ And v ] [ ] Consumer Lending Update 3 Subcategory: Not Credit Cards x [ X ] New Auto (Include v ) [ X ] Used Auto (Include v ) [ X ] Credit Card (Excludes v ) [ ] Etc. [ ] Business Lending [ ] C&I Loans [ ] CRE [ ] Etc

29 Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David Welcome Order Data Order Historyy Reports Build New Report Filter (0) v Chart [ Credit Score v ] [ Not Selected v ] [ Show v ] Update 6/30/2017 v Global v Edit Layout Export v Save 12,500 / 12,500 $900,000,000 / $900,000,000 Let s edit the layout Standard Reports Saved Reports Build New Report > Help > < 620 $105,000,000 (12%) $90,000,000 (10%) $105,000,000 (12%) Table [ Category v ] [ Not Selected v ] [ Show v ] Update Category Count Balance % Balance % of Total Assets Consumer Lending 7,500 $305,000, % 20% Commercial Real Estate 1,000 $79,500, % 5% Residential Real Estate 1,500 $225,500, % 15% Business Lending 2,500 $290,000, % 19% Total 25,000 $900,000,000 List [ Show v ] Update loan ID Last Name Loan Type Subcategory Balance Origination Date Maturity Date Credit Score LT PD Dunn First Mortgage First Mortgage $300,000 1/15/2015 1/15/ % 1.1%

30 Edit Layout Home Home Products: Products: Loan Loan Analytics Analytics v v Report Report Packets Packets Upload/Manage Data Data Tools Settings Institution Settings Institution Messages Messages Settings v David Ian v Tools PDF Settings: [ x ] Portrait [ ] Landscape Subscriptions: Submit Elements Current Layout Chart Chart Table Multiline Box List Matrix Drag and drop Elements to the Current Layout

31 Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David Welcome Reports Standard Reports Saved Reports Build New Report > Help Build New Report Chart Filter (0) v Class: > 1720 st Mortgages (First Mortgage) [ Credit Score v ] [ Not Selected v ] [ Show v ] Update < 620 6/30/2017 v $105,000,000 (12%) $90,000,000 (10%) Table [ Category v ] [ Not Selected v ] [ Show v ] Update Global v Edit Layout Export v Save $105,000,000 (12%) 12,500 / 12,500 $900,000,000 / $900,000,000 More report options: Filters (if Per Element is selected), More Stratification and Show Options, Aliasing, Rounding, Order, Labeling, etc. Category Count Balance % Balance % of Total Assets Consumer Class: 1 st Lending Mortgages (First Mortgage) 7,500 $305,000, % 20% Commercial Real Estate 1,000 $79,500, % 5% Residential Real Estate 1,500 $225,500, % 15% Business Lending 2,500 $290,000, % 19% Total 25,000 $900,000,000 List [ Show v ] Update loan ID Last Name Loan Type Subcategory Balance Origination Date Maturity Date Credit Score LT PD Dunn First Mortgage First Mortgage $300,000 1/15/2015 1/15/ % 1.1% Tuma First Mortgage First Mortgage $500,000 1/15/2015 1/15/ % 0.1%

32 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Element Options Name: [ Table ] Restore Defaults Submit Per Element Filter Stratification Options Show Options Significant Digits & Rounding

33 Scenario 2 Identify best home equity loan candidates But first let s give away another prize Property type: Single family home Address: 1721 N Westmoreland Dr Orlando, FL Details: 3 beds, 2 baths, 1,456 sqft. Original value: $296,000 aluation date: Dec, 2007 alue as of May 8, 2017 is? 33 Experian 4/28/2017 Experian Public ision 2017

34 Scenario 2 Identify best home equity loan candidates Property type: Single family home Address: 1721 N Westmoreland Dr Orlando, FL Original value: $296,000 aluation date: Dec, 2007 Current value: $332,000 Up $36, Experian 4/28/2017 Experian Public ision 2017

35 Scenario 2 Identify best home equity loan candidates Fast and easy multidimensional analysis 1. Combine credit scores with loan-to-value (LT) 2. Identify borrowers with high scores and low LTs 3. Prescreen for high In the Market Model scores 4. Send offer (and make other appropriate decision) Again, so you can spend time making good decisions 35 Experian 4/28/2017 Experian Public ision 2017

36 Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Standard Reports Reports Standard Reports > Saved Reports Build New Report Help Executive Summary Position Reports Performance Reports Select position reports Migration & Trend Reports Static Pool Reports

37 Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Reports Standard Reports > Saved Reports Build New Report Help Standard Reports>Position Reports Concentrations Report Concentrations Matrix Grade/Rating Comparison Delinquency Migration Select concentrations matrix

38 Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David v Credit Score & LT Matrix (Residential Lending) Export v Return Filter (0) v 43,230 / 43,230 $748,058,701 / $748,058,701 Standard filters > Saved filters > Advanced filter (build new saved filter) Standard filters Standard category/subcategory > Custom category/subcategory > Origination > Delinquency > Grade/rating >

39 Home Products: Loan Analytics v Report Packets Upload/Manage Data Tools Settings Messages David v Credit Score & LT Matrix (Residential Lending) Export v Return Powerful to combine metrics! Filter (1) v 8,700 / 43,230 $101,306,453 / 748,058,701 Matrix [ Credit Score v ] [ LT v ] [ Show v ] Update <Previou s Credit Score LT We want to target residential loans with high scores and low LT (in other words, low risk borrowers with equity )

40 Home Report Packets Upload/Manage Data Tools Settings Messages David v Welcome, David LOAN LOAN Analytics APPLICATION Analytics ADANCED LOAN Analytics ALLOWANCE Expected Credit Loss (CECL) EXPERIAN Account Review EXPERIAN Prescreen Not Subscribed DEPOSIT Analytics CUSTOMER & Marketing Analytics Not Subscribed Not Subscribed PEER Analytics Not Subscribed FAIR LENDING Analytics Select Prescreen Schedule Training (permissible use)

41 Home Products: Experian-Prescreen v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Reports Help Experian Prescreen Order Data Scheduled Date No Orders Scheduled Order Name Build New Order Start a new order iew Order History Reports Standard Reports Build New Report Saved Reports Help ideos Documents

42 Home Products: Experian-Prescreen v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Reports Help Select Order [ Build New Order v ] Order Summary Contact Experian Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* antagescore 3.0 Saved Filter: Green Group (Low Risk) 3,454 $X.XX $X,XXX.XX In the Market Model (Home Equity) Saved Filter: Green Group (Low Risk) 3,454 $X.XX $X,XXX.XX Processing Fee (Experian) 3,454 $X.XX $X,XXX.XX Processing Fee (isible Equity) 3,454 $X.XX $X,XXX.XX Order $X,XXX.XX* *Actual costs depends on number of records returned. Processing Fees based on unique records. Scores 2 antagescore 3.0 FICO 2 FICO 8 FICO 9 Bankruptcy Plus In the Market Model (Home Equity) Select Accounts (Records) to Process: [ Saved Filter: Green Group (Low Risk) v ] Learn More Update Confirm & Order Income Insights Premier Attributes

43 Home Products: Experian-Prescreen v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Reports Help Order Order Summary Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* antagescore 3.0 Saved Filter: Green Group (Low Risk) 3,454 $X.XX $X,XXX.XX In the Market Model (Home Equity) Saved Filter: Green Group (Low Risk) 3,454 $X.XX $X,XXX.XX Processing Fee (Experian) 3,454 $X.XX $X,XXX.XX Processing Fee (isible Equity) 3,454 $X.XX $X,XXX.XX $X,XXX.XX* *Actual costs depends on number of records returned. Processing Fees based on unique records. Place Order Order Name [ Scenario 2 ] [ x ] One Time Order on [ Now ] [ ] Recurring Cancel Place Order *Please select a date that allows enough time for desired data files to be updated.

44 Welcome Order Data Order Historyy Reports Home Products: Experian Prescreen v Report Packets Upload/Manage Data Tools Settings Build New Report Chart Filter (0) v [ Credit Score v ] [ Not Selected v ] [ Show v ] Update 6/30/2017 v Global v Edit Layout Export v Messages Save 12,500 / 12,500 $900,000,000 / $900,000,000 David Standard Reports Saved Reports Build New Report > Help > < 620 $105,000,000 (12%) $90,000,000 (10%) $105,000,000 (12%) Table [ Category v ] [ Not Selected v ] [ Show v ] Update Category Count Balance % Balance % of Total Assets Consumer Lending 7,500 $305,000, % 20% Commercial Real Estate 1,000 $79,500, % 5% Residential Real Estate 1,500 $225,500, % 15% Business Lending 2,500 $290,000, % 19% Total 25,000 $900,000,000 List [ Show v ] Update loan ID Last Name Loan Type Subcategory Balance Origination Date Maturity Date Credit Score LT PD Dunn First Mortgage First Mortgage $300,000 1/15/2015 1/15/ % 1.1%

45 Home Products: Experian-Prescreen v Report Packets Upload/Manage Data Tools Settings Messages David v In the Market Report Export v Return Filter (1) v 3,454 / 43,230 $58,205,080 / $748,058,701 Chart [ In the Market Model v ] [ Not Selected v ] [ Show v ] Update 1,600 1,400 1,200 1, ,390 1, (>=700) (500 to 699) (<=499) <Previou s Hot leads Call to Action Educate to Action

46 Home Products: Experian-Prescreen v Report Packets Upload/Manage Data Tools Settings Messages David v In the Market Report Export v Return Filter (1) v 3,550 / 43,230 $58,205,080 / $748,058,701 List [ Show v ] Update Loan ID Balance Loan Type Description Origination Date Maturity Date In the Market Model Score <Previou $110,500 First Mortgage 4/15/2017 4/15/ $222,092 First Mortgage 4/16/2017 4/16/ $98,000 First Mortgage 3/15/2017 3/15/ $143,304 First Mortgage 3/15/2017 3/15/ $214,006 First Mortgage 1/15/2017 1/15/ $95,605 First Mortgage 12/02/ /02/ $229,052 First Mortgage 12/01/ /01/ $333,031 First Mortgage 11/25/ /25/ < Previous Next > s

47 Scenario 2 review Identify best home equity loan candidates Fast and easy multidimensional analysis 1. Combine credit scores with loan-to-value (LT) Hidden opportunity 2. Identify borrowers with high scores and low LTs 3. Prescreen for high In the Market Model scores (home equity) 4. Send offer (and make other appropriate decision) Again, so you can spend time making good decisions 47 Experian 4/28/2017 Experian Public ision 2017

48 Scenario 3 Identify borrowers most likely to transfer credit card balance Last game birthday match Interesting fact: In a room of 23 people, there is a 50.7% probability of two or more people having the same birthday. For 60 people, it s 99.4%. Image source: Pixabay.com 48 Experian 4/28/2017 Experian Public ision 2017

49 Scenario 3 Identify borrowers most likely to transfer credit card balance 1. Order balance transfer index (BTI) and total annual plastic spend (TAPS) on credit cards 2. Filter to borrowers with high BTI and high TAPS 3. Make appropriate defensive and offensive decisions 49 Experian 4/28/2017 Experian Public ision 2017

50 Home Report Packets Upload/Manage Data Tools Settings Messages David v Welcome, David LOAN LOAN Analytics APPLICATION Analytics ADANCED LOAN Analytics ALLOWANCE Expected Credit Loss (CECL) EXPERIAN Account Review EXPERIAN Prescreen Not Subscribed DEPOSIT Analytics CUSTOMER & Marketing Analytics Not Subscribed Not Subscribed PEER Analytics Not Subscribed FAIR LENDING Analytics Select Account Review to get started Schedule Training

51 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Reports Help Welcome: Experian Account Review Order Data Scheduled Date Order Name 7/15/2017 Account Review 10/15/2017 Account Review 1/15/2018 Year End Account Review 4/15/2018 Account Review Start a new order Build New Order iew Order History Reports Standard Reports Build New Report Saved Reports Help ideos Documents

52 Welcome Order Data Order History Reports Help Home Products: Experian- Account Review v Report Packets Upload/Manage Data Tools Settings Select Order [ Build New Order v ] Order Summary Scores 2 antagescore 3.0 FICO 2 FICO 8 FICO 9 Bankruptcy Plus Balance Transfer Index Let s use a saved filter we created earlier. Select Accounts (Records) to Process: [ Not Selected v ] Messages David v Contact Experian Order Learn More Update Income Insights Premier Attributes Standard Filters > Saved Filters > Advanced Filter (Build New Saved Filter) Saved Filters Watchlist Has CC, High spend Etc. Edit Here Apply

53 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Reports Help Order BTI and TAPS Select Order [ Build New Order v ] Order Summary Contact Experian Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* Balance Transfer Index Saved Filter: Has CC, High spend 4,200 $X.XX $X,XXX.XX TAPS 4.0 Standard Filter: Consumer Card 15,000 $X.XX $X,XXX.XX Processing Fee (Experian) 15,000 $X.XX $X,XXX.XX Processing Fee (isible Equity) 15,000 $X.XX $X,XXX.XX Order $X,XXX.XX* *Actual costs depends on number of records returned. Processing Fees based on unique records. Scores Premier Attributes EIRC (Estimated Interest Rate Calculations) TAPS (Total Annual Plastic Spend) Learn More TAPS 4.0 Select Accounts (Records) to Process: [ Standard Filter: Consumer Card v ] Update Trended Data

54 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Reports Help Select Order [ Build New Order v ] Order Summary Contact Experian Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* Balance Transfer Index Saved Filter: Has CC, High spend 4,200 $X.XX $X,XXX.XX TAPS 4.0 Standard Filter: Consumer Card 15,000 $X.XX $X,XXX.XX Processing Fee (Experian) 15,000 $X.XX $X,XXX.XX Processing Fee (isible Equity) 15,000 $X.XX $X,XXX.XX Order $X,XXX.XX* *Actual costs depends on number of records returned. Processing Fees based on unique records. Scores Premier Attributes EIRC (Estimated Interest Rate Calculations) TAPS (Total Annual Plastic Spend) Learn More TAPS 4.0 Select Accounts (Records) to Process: [ Saved Filter: Has Auto, no Card v ] Update Trended Data Each product has a link to get more information

55 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Experian TAPS SM (Total Annual Plastic Spend) Contact Experian Return Select Data to Buy Experian TAPS SM is the first industry-unique algorithm that accurately estimates a consumer s spend on all general purpose credit and charge cards over the last 12 months. How Does it Work? Product Sheet Sample Report Data Dictionary

56 Home Products: Experian-Account Review v Report Packets Upload/Manage Data Tools Settings Messages David v Welcome Order Data Order History Reports Help Order Order Summary Data Selected Accounts (Records) to Process Estimated Quantity Cost / Record Estimated Cost* Balance Transfer Index Saved Filter: Has CC, High spend 4,200 $X.XX $X,XXX.XX TAPS 4.0 Standard Filter: Consumer Card 15,000 $X.XX $X,XXX.XX Processing Fee (Experian) 15,000 $X.XX $X,XXX.XX Processing Fee (isible Equity) 15,000 $X.XX $X,XXX.XX $X,XXX.XX* *Actual costs depends on number of records returned. Processing Fees based on unique records. Place Order Order Name [ Credit Card Analysis ] [ ] One Time Order on [ 4/15/17 ] [ x ] Recurring Frequency: [ Monthly v ] Starting Date: [ 7/15/17 ] Ending Date: [ None Selected ] Cancel Place Order *Please select a date that allows enough time for desired data files to be updated.

57 Home Products: Experian-Prescreen v Report Packets Upload/Manage Data Tools Settings Messages David v Credit Card Defense List Export v Return Filter (1) v 1,134 / 15,000 $11,205,080 / $54,058,701 List [ Show v ] Update Customer ID Balance Loan Type Description Origination Date TAPS 4.0 BTI Score $10,500 Consumer Card 1/15/ $22,092 Consumer Card 2/16/ $12,000 Consumer Card 3/15/ $10,304 Consumer Card 11/15/ $14,006 Consumer Card 10/11/ $15,605 Consumer Card 12/02/ $21,052 Consumer Card 12/01/ $15,031 Consumer Card 11/25/ < Previous Next > <Previou s How you can you protect against high spender attrition?

58 Home Products: Experian-Prescreen v Report Packets Upload/Manage Data Tools Settings Messages David v Credit Card Offense List Export v Return Filter (1) v 4,500 / 15,000 $605,080 / $54,058,701 List [ Show v ] Update Customer ID Balance Loan Type Description Origination Date TAPS $500 Consumer Card 1/15/ $450 Consumer Card 2/16/ $1,200 Consumer Card 3/15/ $920 Consumer Card 11/15/ $0 Consumer Card 10/11/ $340 Consumer Card 12/02/ $93 Consumer Card 12/01/ $1,121 Consumer Card 11/25/ < Previous Next > <Previou s How can you promote more spend on your product?

59 Scenario 3 review Identify borrowers most likely to transfer credit card balance 1. Order balance transfer index (BTI) and total annual plastic spend (TAPS) on credit cards 2. Filter to borrowers with high BTI and high TAPS 3. Make appropriate defensive and offensive decisions Pursue credit card spend your current card holders have with another institution. Proactively defend credit card loans most susceptible to transferring other institutions 59 Experian 4/28/2017 Experian Public ision 2017

60 Bringing your data to life Technology can help you Save time: Streamline your processes for obtaining data Know more: Delve deeper into the data you have Be confident: Tackle regulatory requirements head on 60 Experian 4/28/2017 Experian Public ision 2017

61 Questions and answers Experian contact: Elias Tuma 61 Experian 4/28/2017 Experian Public ision 2017

62 Share your thoughts about ision 2017! Please take the time now to give us your feedback about this session. You can complete the survey at the kiosk outside. How would you rate both the Speaker and Content? 62 Experian 4/28/2017 Experian Public ision 2017

63