DFS – Environment Dell Financial Services Confidential UDE (Common Originations System) - Strategy management, execution and control - Account management - Triggers (Order release : Dell, Welcome packets) - Queue management (Credit, Fraud) Marketing & Offers Analytics Data Sources Marketing & Offers Analytics Offline Online Alienware

UDE – Integration of FIC Tools Dell Financial Services Confidential DFS UDE ENVIRONMENT – UDE TOOLS Intelligent Data Manager Falcon™ Blaze Advisor™ GUI Experian Equifax TU Innovis Fraud Sources ID Sources Data Sources Internal ( Dell / DFS ) Sources Bureau and Other Data Pulls RMA Scorecards and Scoring Fraud Notes Credit Notes Queues Credit History Calculated price and terms Triggers to external ( e . g . Alison , Ts & Cs ) Outputs to Data Warehouse Audits and Controls Fraud Data Pull Audits and Controls Decision Engine Logic Synch to Blaze Fraud Notes O u t p u t s t o E x t e r n a l S y s t e m ( e . g . R A M S , D W , S y m p h o n y ) Fat Client Desktop Credit Review Aggregated Bureau Data CMP File DFS UDE Environment – UDE Tools

UDE - Supporting the Sales Process Dell Financial Services Confidential UDE Value Add Purchase Path First Customer Contact Configure/ Cart Payment Checkout Customer History PreScreen Pending Offers Credit History Dynamic Financing Config Real-time Offers Precision Pricing Dell Margin Win-Back Closing Tools Promo Additional Offerings 3 rd Party Offerings

Future State - - Dell Financial Services Confidential Financing has been Financing will be Add-on after the Dell product sale Part of the Dell product offering One offer to customer (“take it or leave it”) Interactive configuration Offered to existing Dell shoppers Can be used to drive customers to Dell Blind to promo and Dell economics Based on understanding of what the customer is shopping for Designed to achieve DFS standalone profit targets Pricing tailored to reflect combined Dell/DFS economics Giving away profit to all to drive behavior of few Least concessions necessary to drive desired customer behavior Reactive (responding to customer application for financing) Proactive (prescreen, automated/instant credit decisioning)