1. LARRY CHIANGCEO Duck9

2. What a Super ModelCan Teach a Harvard MBA About CREDIT The EconomistConference on “Human Potential”

3. Photo Credit:Kris Krug/Getty If this presentation was one slide, this would be it

4. I documented over a dozen cases in Chapter 11 of my book. It’s all about “Falling Forward” Plot spoiler: all 3 models are still in the business & thriving after their falls

5. MoreThings A Super ModelCan Teach

6. Can be prepared for

7. All 672s are treatedthe same

8. pulls into a monopoly(Fair Isaac’sFICO) An oliopoly

9. Bound in a 1970’s set of tech Fails to account for email, web, fax, even phone Consumer’s only protection via written snail mail

10. Card Act: meant to protect young adults but 111th Congress has only 1.4 pages addressing this

11. Can use debit data as a basisfor credit system See Larry Chiang’s testimony before the World Bank

12. In case you were wondering if my title slide was incongruent with my title, “What a Super Model Can Teach a Harvard MBA About CREDIT”

14. Take a bow vs. re-experiencing agony

15. OwnYourExperiences

16. Stay pleasant during strenuous situations & make everything look easy

17. I yield the balance ofmy time to questions