Experian’s Credit Profile Report gives you the accurate, current and complete information you need to:

• Acquirenewbusiness—Makedecisionsaboutnewcustomers andnewaccountswithspeed and accuracy

• Managecustomers—Monitor,evaluateandmakedecisionsbasedon changes in the customer profile as they occur

• Maximizecollections—Detectpotentialfraudulentactivityandtakeactionwhereyourrecoverychances are greatest

FileOneisyourkeytoprofitable decisionmaking

Complete — The most comprehensive nationwideconsumercredit informationavailable

Accurate — High-integrity, current information is provided

Easy to read — Our easy-to-read format groups similar data elements together for faster analysis

Flexible — Optional display formatsavailable

Current and relevant credit information — Higher hit ratios, more complete files and a uniquefilematching system that examines manyvariables

Saves you time and money — Eliminatesmultipleinquiries and replaces manual searches for information

For your reference, a sample Credit Profile Report is provided on the followingpages.

Toaccesstestdatausingtestsubcodes,please contact your Experian salesrepresentative.

Credit Profile Report Unsurpassed data precision and file coverage

The best decisions begin with the best information. Experian’s Credit Profile Report offers unparalleled accuracy and superior data quality generated by the File OneSM system.

Experian’s Credit Profile ReportFiles on more than 215 million credit-activeconsumersnationwidearemaintainedinExperian’sdatabase.Yourinquiryinitiatesasearchofthisdatabase,whichproducesanapplicant’scredithistory—theCreditProfileReport.Anillustrationanddescription of a sample Credit Profile Reportfollow.ToaccessourSTAR2000testdatabase,pleasecontactyourExperiansalesrepresentative.

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AConsumer’s name

SocialSecuritynumber(SSN)

Spouse’snameandSSN

Current address

Previous address

Driver’slicensenumber

Employment

Telephonenumber

Yearofbirth

Type of terms and amount

DirectCheckSM (optionalproductadd-on)

ProfileSummary(optionalproductadd-on)

RiskModel (optionalproductadd-on)Consumer’s name

Alternatenamessuchasdifferent, previoussurnamesornicknames associatedwiththeconsumer’sfile

Consumer’sSSN

OtherSSNsreportedontheconsumer’s file, in descending order basedonthenumberofoccurrencesreported;anasteriskdenotesanySSNnotmatchingtheinquiryinputSSN.

Consumer’syearofbirthordate ofbirth

Consumer’s address, including time framereported,sourceandnumber ofsubscribersreportingtheaddress:

U = Update tape

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B I =InquiryM=ManualdataP=PDS—Experian’sproprietary

data source

Consumer’spreviousaddresseswith source,inorderbyreliabilityofsource

Lastsubscriberreportingtheconsumerat his or her current address

Anasteriskprecedinganyaddressindicates the address did not match inquirycurrentaddress

Employer’s name and address, including time frame reported and source:

U = Update tapeI =Inquiry

Previous employer’s name and address, withtimeframereportedandsource

Consumer identifying (personal)information

Inquiry

fe g h

Dateandtimethat thereportwaspulled

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Messages(consumer)TheMessagessectionmayincludegeneral consumer statements and informational or other special messages.Consumerstatementsrelatingtoatradelineorpublicrecord item appear directly after theitem.

DemographicsDemographicscontainstheconsumer’stelephonenumber(includingsourceandphonetype:

R = Residential, B = Business, C = Cellular, P = Pager, T = Pay telephone, F = Fax,

I=Institution)andtheGEOcode ofthecurrentaddress.Optional bycontactingyourExperian salesrepresentative.

FraudShieldSM summaryTheFraudShieldSM summary contains messages related to FraudShieldfraudpreventionservices.ContactyourExperiansales representative for moreinformation.

ProfileSummaryProfileSummarycontains17significant calculations from the CreditProfileReport.Thisis

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C optionalwithPSUMkeywordoninquiry,orcontactyourExperiansalesrepresentative.

ScoreSummaryRiskmodelscoresaregenerated if you use Experian’s creditriskmodels.ThisisoptionalwithRMkeywordoninquiry,orcontactyourExperiansalesrepresentative.Thisalsomay optionally display score factorcodedefinitions.

SM

SM

SM

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H Publicrecords Publicrecordinformationconsistsofbankruptcies,liensandcivilactionsagainstaconsumer.

Reporting court’s name

Reportingcourt’ssubscribernumber

Typeofpublicrecord/status ofpublicrecord

Originalfilingdatewithcourt

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Reminder: ToensurecompliancewiththeFairCreditReportingAct,youmustexercisereasonablecaretoinputaccurateidentificationbelongingtotheconsumerwhenrequestingservices.

Statusdateifstatusissatisfied,released, vacated, discharged or dismissed

Amountofpublicrecord

Codedescribingtheconsumer’sassociationtothepublicrecorditempertheEqualCreditOpportunityAct

CertificateIDordocketnumber

Bookandpagenumber

Plaintiff’s name

Voluntary indicator only; may display asVOLUNifconsumervoluntarilydismissedbankruptcy

Liabilityandassetamountsfor bankruptciesonly

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TradesAnyorallofthefollowinginformation may appear if providedbyasubscriber:

MortgageIdentificationNumber(MIN)formortgagetrades

Original credit grantor name for third-party collection agency trades

Balloon payment information (dateandamount)

Compliance condition code reportedbyasubscribertodistinguish accounts that are “ClosedbyConsumer”and/or“DisputedAccounts.”

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Specialcommentsreportedbyasubscriberorconsumertodistinguish accounts that may requirespecialhandling

Deferredpaymentstartdatefor deferredloans.Loans;deferredindicates the terms of the loan have beendeferredtoafuturedate.

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Payment level date is the current status date

The amount past due for the account

Dateofconsumer’slastpayment on the account

Payment amount the consumer is scheduled to pay on the account

Actualmonthlypaymentisindicatedbythe“-A”directlyafterthemonthlypayment amount; represents the actualpaymentamountreceivedby thelenderforthatreportingperiod.

Scheduledmonthlypaymentis impliedifthereisno“-A”or“-E.”

Estimated monthly payment is indicatedbythe“-E”directlyafter the monthly payment amount, calculatedbyExperianbasedon thereporter’sformula.

Balance date is the date of the subscriber’sreportedupdate ontheaccount.

Currentbalanceontheaccount

The account condition indicates thecurrentconditionoftheaccount.

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Anasteriskprecedingpublicrecordinformation or a trades indicates that information may need furtherreview.

Reportingsubscriber’sname

Reportingsubscriber’snumber

KOB(KindofBusiness)Codedescribesasubscriber’sbusiness. Thefirstletterdesignatesanindustry.Thesecondlettermorenarrowlydefinesasubscriber’sbusiness.

Datetheaccountwasopened

Amountoftheloanor creditestablished

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Payment status comments reflect the payment history of the account asofthebalancedate.

Type of account

Consumer’s payment history during thepast25monthsbeginningwith themonthrepresentedbythebalancedate.Thecodesreflectthe status of the account for each monthandaredisplayedforbalancereportingsubscribersonly:

C Current

NCurrentaccount/Zero balance—noupdatetape received for this trade

0 Currentaccount/Zero balance—reportedon update tape

1 30 days past the due date

2 60 days past the due date

3 90 days past the due date

4 120 days past the due date

5 150 days past the due date

6 180 days past the due date

7 Chapter13Bankruptcy(petitioned,discharged, reaffirmation of debtrescinded)

8 Foreclosure proceeding, deed in lieu

9 Chapter7,11or12Bankruptcy(petitioned,discharged,reaffirmationofdebtrescinded)

G Collection

H Foreclosure

J Voluntary surrender

K Repossession

L Charge-off

B Accountconditionchange: paymentcodenotapplicable

-(dash)Nohistoryreportedfor that month

BlankNohistorymaintained; see payment status comment Consumer’saccountnumber

Codedescribingconsumer’s association to the account per theEqualCreditOpportunityAct.

Terms of account

Maximumdelinquencyandpayment code is the most recent date and codeoftheworststatus

Monthsreviewedindicatesthetotalnumberofmonthshistoryhasbeenmaintained for the account

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InquiriesInquiriesindicatethataCreditProfileReportwasreceivedonthatdatebythesubscriberlisted.Inquiringsubscribername,numberandKOBareshown.Type,terms and amount may display and are fromthesubscriber’sinquiryinput.

DirectCheckSM

DirectCheckSM is the fastest, mostinexpensivewaytocontactothercreditgrantorstoobtaintheupdated information that you need aboutyourcustomer.Contactyour Experian sales representative for moreinformation.

ConsumerAssistanceName,address,telephonenumberandWebsiteofExperian’sconsumerassistance office or credit reporting

J

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KSM

agency nearest to the consumer’s currentaddress.Useforconsumerreferrals.Displayiselective;contactyourExperiansalesrepresentative.

TofindoutmoreaboutCreditProfileReport, contact your local Experian sales representative for more informationorcall18884141120.

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Portfolio“SoldTo:”or“PurchasedFrom:”name

Twoamountsmaydisplay.Indicates theaccounthasa$12,500(L)imitand the(H)ighestbalancewas$10,659.

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