© 2011 Fair Isaac Corporation

myFICO Mobile App JourneySep 10, 2014

© 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…

MYFICO MOBILE APP

© 2011 Fair Isaac Corporation. Confidential.3

Users were increasingly visiting us on Mobile devices

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New Visitors on Desktop browsers New Visitors on Mobile browsers

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Growth in mobile users far outpaced users on PC

© 2011 Fair Isaac Corporation. Confidential.4

Users would re-visit myFico on Mobile devices

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Repeat Visitors on Desktop browsers Repeat visitors on Mobile browsers

100%Mobile re-visitors doubled while

PC re-visitors stagnated

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© 2011 Fair Isaac Corporation. Confidential.5

Customers were eating up Finance apps

Finance apps were the third fastest growth category

© 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

© 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

© 2011 Fair Isaac Corporation. Confidential.8

What did we set out to achieve?

Increase customer engagement & retention with a best-in-class Mobile experience

© 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

MYFICO MOBILE APP

© 2011 Fair Isaac Corporation. Confidential.10

RAPID ADOPTION BY OUR USERS

myFICO did not advertise the mobile app. Customers expected to find a mobile app in the app store

© 2011 Fair Isaac Corporation. Confidential.11

NEW APP USERS PER DAY

Apple’s “smart banner” helped increase downloads

Smart banner in Mobile phone

browser

© 2011 Fair Isaac Corporation. Confidential.12

APP 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

© 2011 Fair Isaac Corporation. Confidential.13

APP 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

© 2011 Fair Isaac Corporation. Confidential.14

ONE YEAR LATER…

Highly rated at 4½ stars

© 2011 Fair Isaac Corporation. Confidential.15

FICO is the only paid service that is highly rated in this space

ONE YEAR LATER, VS. OUR COMPETITION…

© 2011 Fair Isaac Corporation. Confidential.16

RECENT REVIEWSWONDERFUL 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.

© 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