Essential expertise on the economic and consumer credit trends that impact your business and investments.

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1 economic & consumer credit analy tics Essential expertise on the economic and consumer credit trends that impact your business and investments. Economic & Consumer Credit Analytics

2 Essential expertise on the economic and consumer credit trends that impact your business and investments. TODAY S CHALLENGES In today s global economy, it is critical to monitor and understand new developments and emerging trends not only for your investments, but also for strategic planning, sales forecasting and risk management. Changes in interest rates, government policy and other national factors affect local labor markets and construction, which in turn, drive consumer behavior. These links are further complicated by inherent regional and sub-national differences. Ensuring that you have accurate, timely information and a thorough understanding of these economic linkages can be daunting. Having comprehensive insight and expertise in global, macro and regional economics can help you capitalize on opportunities during both recessions and expansions. Information Relevant for: RISK MANAGEMENT STRATEGIC PLANNING BUSINESS / INVESTMENT DECISIONS Macro Economies Regional & Sub-National Economies Consumer Credit RECESSION EXPANSION Economic, Consumer Credit &Financial Data Forecasts with Alternative Scenarios Economic Research Consumer Credit Analytics Economic Advisory Services Economic & Consumer Credit Analytics from Moody s Analytics provides the foundation to make informed decisions that minimize risks and maximize opportunities.

3 Economic & Consumer Credit Analytics Actionable ECONOMICS Moody s Analytics provides economic and consumer credit data, analysis and forecasting at the global, macro and regional levels, including consumer credit data. Our offerings range from extensive databases and customized models to concise and timely reports, used by experienced economists, credit analysts, modelers and busy executives. Economic, Consumer Credit and Financial Data Access over 200 million time series for more than 180 countries, updated daily, at the global, macro and regional levels, including consumer credit data. Concepts include commercial and residential real estate, labor markets, demographics, consumer credit, financial markets, industry and more. While we are known for our regional expertise, we also have a wide range of specialized datasets like the Case-Shiller Home Price Indexes. Forecasts with Alternative Scenarios Access over 40 forecast databases at the global, macro and regional levels or covering specific concepts such as industry and consumer credit. All forecasts are updated on a monthly basis. Examine alternative scenarios to stress-test your portfolio, evaluate shocks or develop strategic business plans. Enhance regulatory compliance (including Basel II and III) by using scenarios from an independent source, trusted by regulators. Economic Research Utilize comprehensive and timely analysis to understand the many components that drive the economy. From residential real estate and topical issues to global metropolitan areas and daily commentary on economic indicators, our research covers the economy in every dimension. Our standardized and integrated approach makes it easy to compare and evaluate data across all geographic levels. Consumer Credit Analytics Forecast and stress-test consumer credit portfolios from default risk to revenue growth by quantifying the impact of both the economic environment and your lending decisions for existing and future vintages. Adequately account for internal and external factors by geography, vintage, credit score (current and at origination), and product, including auto, consumer, home equity and mortgages, as well as consumer credit pools that back structured finance products. ECONOMIC Advisory SERVICES Our experienced team of economists apply our extensive expertise and data to client-specific products using or augmenting the clients own data. Custom projects are individually designed to meet the clients business goals and include tax revenue and product forecasting, market analysis, utility demand, policy impact, revenue and demand forecasting and custom econometric models.

4 Superior Access Your complete economic and product understanding is our highest priority and our commitment to you. We achieve this commitment in a variety of ways, including: Making our economists and credit analysts readily available Employing a large team of economists, over two thirds of whom hold an advanced degree Dedicating a team of specialists to verify data quality & provide service Providing a highly trained relationship management team to personally answer any question, via phone, or live chat, within minutes Our 90% renewal rate is a testament to our commitment to our clients and our unbending service standards. The Moody s Analytics Difference All Forecasts Updated Monthly All of our forecasts global, macro, regional and sub-national are updated monthly, while most other providers update less frequently. Our assumptions are integrated, current and common across all of our products. SERVICE OUR HIGHEST PRIORITY Beyond our proven track record, regional, subnational and local focus, and exclusive offerings, if you ask our clients what distinguishes us from our competitors, they will tell you that our client service is far and away the best in the industry. Documented Methodology Our entire methodology is transparent and documented. We don t make you guess the scenario assumptions. We furnish a detailed overview for each concept and scenario, providing you with complete access to our methodology and analysts, should you have questions. Flexible Data Delivery Our robust data catalog can be accessed through a powerful online platform, rather than requiring the purchase of additional software or manual data manipulation. Chart, map, analyze and transform data before updating your Microsoft applications with one click. Pick the file format and delivery schedule or option that works best for you.

5 ADDRESSING YOUR UNIQUE NEEDS Our economists are regularly sought out by local and federal policymakers, institutional investors and major media outlets for both their broad economic knowledge and individual areas of expertise. Responsive Team of Economic Experts As a team, our economists work across geographic and industry segments, building a thorough institutional knowledge base of general economic trends, while individually each is free to focus on a particular specialty like local economic conditions, real estate or consumer credit. This comprehensive, team-oriented approach is infused in everything we do. Comprehensive and Customizable Products Our products are designed to meet the diverse planning and information needs of businesses worldwide, including banks, financial institutions, real estate and institutional investors, local and federal governments, utilities and retailers. And because every business is unique, we also offer tailored advisory services and customizable products. Whether it is adapting our standard offerings to your individual specifications or developing a custom solution for a one-time project, we will learn your goals and expectations and deliver exactly what you need, including: Customizing subsets of our standard forecast data or analysis for your individual geographic footprint or specific economic concepts Supplementing economic analysis with custom commentary on credit quality, loan volume, housing activity, retail sales or other areas of particular interest Examining and evaluating the impact of policy changes or economic shocks Developing custom scenarios based on your own policies and business goals Building custom models to forecast tax revenue Moody s Analytics : Essential Insight Serving Global Financial Markets About Moody s Analytics Moody s Analytics helps capital markets and credit risk management professionals worldwide respond to an evolving marketplace with confidence. The company offers unique tools and best practices for measuring and managing risk through expertise and experience in credit analysis, economic research and financial risk management. By providing leading-edge software, advisory services, and research, including the proprietary analysis of Moody s Investors Service, Moody s Analytics integrates and customizes its offerings to address specific business challenges.

6 CONTACT US Visit us at moodysanalytics.com or contact us at a location below: U.S./Canada EMEA Asia/Pacific other LOCATIONS us: help@economy.com Or visit us: Copyright 2010, Moody s Analytics, Inc. All Rights Reserved. SP12755/101122/ECCA_001