THE FACTORTRUST UNDERBANKED INDEX: NON-PRIME AUTO APPLICANTS VS. CONSUMER LOAN APPLICANTS

AVERAGE MONTHLY INCOMEEMPLOYMENT

AUTO RANKING: CONSUMER LOAN RANKING:

BOTH AUTO AND CONSUMER LOAN APPLICANTS ARE MOST L IKELY TO BE EMPLOYED IN THE RE TAIL SEGMENT.

AUTO APPLICANTS ARE MORE L IKELY TO HAVE CHANGED ADDRESSES, WHILE CONSUMER LOAN APPLICANTS ARE MORE L IKELY TO HAVE CHANGED PHONE NUMBERS SINCE LAST YEAR.

NON-PRIME AUTO APPLICANTS GENERATE HIGHER INCOMES THAN CONSUMER LOAN APPLICANTS

CONSUMER LOAN APPLICANTS AVERAGE MONTHLY INCOME:

$2,937

NON-PRIME AUTO APPLICANTS AVERAGE MONTHLY INCOME

$3,287

MILLENNIAL AUTO APPLICANTS HAVE MONTHLY INCOMES COMPARABLE TO BABY BOOMER CONSUMER LOAN APPLICANTS

$2,500

$2,700

$2,900

$3,100

$3,300

$3,500

MILLENNIALS GENERATION X-ERS BABY BOOMERS

AUTOAPPLICANTS

CONSUMER LOAN APPLICANTS

ADDRESS CHANGE BY AGE

PHONE NUMBER CHANGE BY AGE

MILLENNIALS

GENERATION X-ERS

BABY BOOMERS

0% 5% 10% 15%

0% 5% 10% 15%

MILLENNIALS

GENERATION X-ERS

BABY BOOMERS

AUTOAPPLICANTS

CONSUMER LOAN APPLICANTS

AUTOAPPLICANTS

CONSUMER LOAN APPLICANTS

4) SHIPPING & DELIVERY

5) SELF-EMPLOYED

6) AUTO SERVICES

7) BANKING/FINANCE

8) MANUFACTURING

9) BUSINESS SERVICES

10) HEALTHCARE

1) RETAIL

2) GOVERNMENT

3) QUICK SERVICE

RESTAURANTS

$2,987

$2,615

$3,593

$3,149

$3,377

$3,067

11%6%

6%

4%

4%

8%

11%

8%12%

9%10%

10%

THE AUTO SEGMENT IS PRIMARILY MADE UP OF MILLENNIALS, BUT THE CONSUMER LOAN SEGMENT PRIMARILY CONSISTS OF GEN X-ERS.

AGE

10%

20%

30%

40%

50%

MILLENNIALS GENERATION X-ERS BABY BOOMERS

NON-PRIME AUTO APPLICANTS

CONSUMER LOAN APPLICANTS

9%OF AUTO APPLICANTS HAVE CHANGED ADDRESSES SINCE LAST YEAR.

5%OF CONSUMER LOAN APPLICANTS HAVE

CHANGED ADDRESSES SINCE LAST YEAR.

43%

36% 37%40%

17%21%

CONSUMER STABILITY

9%OF AUTO APPLICANTS HAVE CHANGED PHONE NUMBERS SINCE LAST YEAR.

11%OF CONSUMER LOAN APPLICANTS HAVE CHANGED PHONE

NUMBERS SINCE LAST YEAR.

4) GOVERNMENT

5) BANKING/FINANCE

6) BUSINESS SERVICES

7) HEALTHCARE

8) SELF-EMPLOYED

9) AUTO SERVICES

10) MANUFACTURING

1) RETAIL

2) QUICK SERVICE

RESTAURANTS

3) SHIPPING & DELIVERY

THE MILLENNIAL GENERATION IS COMPRISED OF THOSE BE T WEEN THE AGES OF 18 AND 34; THE GENERATION X POPULATION IS MADE UP OF THOSE BE T WEEN 35 AND 50, AND BABY BOOMERS ARE BE T WEEN AGES 51 AND 69.