PIN Navigator Overview

PIN Navigator : background Delivers PIN data on key finance, vehicle, and dealer information along

with the customer’s credit score (available at the time of the transaction) to financial institutions on a weekly basis via a web portal

Together with the data PIN currently collects, the credit score information enables finance institutions to monitor all components of the consumer deal within a risk context

Data is accessed though a series of report formats that can be populated with data on demand based on the user’s selection criteria

Combines weighted new and used vehicle transaction data; weighting based on vehicle registration data

At initial product launch, PIN Navigator will be populated with data going back to January 2004; Additional historical data will be added over time to increase the amount of trending that can be extracted.

Available - Fall 2004

Web Based data base

36 US markets – 5 in Canada

Variables Available in PIN Navigator

Vehicle Provider Transaction Dealer

Finance Reserve

Penetration

Market Location

Total PIN F&I Income

(PVR)

Vehicle Cost

Vehicle Gross

Vehicle Profit Margin

Make

Manufacturer

Model

Model Year

Nameplate

Origin

Vehicle Segment

Vehicle Sub

Segment

Vehicle Super

Segment

Amount Financed - Loan APR/IRR Buy Rate Cap reduction - Lease Credit Score Credit Tier Customer Cash Rebate Finance Reserve Amt. Lease Residual Loan-To-Cost Loan-To-Value Monthly Payment Percent Financed Spread Term Total Down Transaction Type Type of Sale Vehicle Price

Provider Market

Share

Provider Name

Provider Segment

Provider Sub

Segment

Note: Variables highlighted in red are unique to PIN Navigator

PIN Navigator Portal Provides Easy Access To Reports and Information - Data Updated Weekly

Client Dashboard

Provides a Quick Summary of Buy Rates for New and Used Vehicles Across Credit Tiers

Favorite/Recent Reports

Stores and Recalls Frequently-Used and Recently-Run Reports

Reports

Access Report Formats Within Tool

Powergram

Daily News Summary of Relevant Information for Auto and Auto Finance Industries

Account Info.

Manage Users, Define Variables (e.g., Credit Tiers, Contract Term, Create Provider Aggregates)

PIN Navigator Framework - Select a Report Format

Report Format

Detailed Descriptions on Next Slide

Report Measure

Variable Selected to Populate Report

Columns and Rows

Variables Selected to Display Measure Variable

Filters

Defines the Universe for the Report

PIN Navigator Framework - Select Report Measure, Columns, Rows and Filters

PIN Navigator :: Provider Competitive Landscape

Report Generated

Measure

Columns

Rows

Date Range

New/ Used

Loan/ Lease

Loan to Cost

Loan to Value

ProviderA+

720-999A

680-719B

650-679C

625-649D

0-624 Total Count

BANK OF AMERI CA 3.7% 4.1% 4.8% 6.0% 5.0% 4.0% 5525

BANK ONE 3.9% 4.3% 6.4% 10.8% 14.1% 6.0% 1969

CHASE AUTOMOTI VE FI NANCE 3.6% 3.8% 4.7% 5.5% 5.9% 3.9% 25204

SUNTRUST BANK 3.7% 4.3% 5.1% 5.6% 5.6% 4.1% 3914

US BANK 3.5% 3.7% 4.2% 4.9% 11.7% 3.9% 2513

WACHOVI A 3.5% 3.8% 4.6% 4.5% 5.8% 3.7% 1944

WELLS FARGO BANK 3.9% 4.5% 5.3% 6.8% 9.4% 4.4% 1212

Total 3.6% 3.9% 4.8% 6.2% 7.6% 4.0% 59146

* Providers are ranked by transaction volume, then up to 25 are displayed per segment in alphabetical order.

v1.0 ®2004 Power I nformation Network® LLC. All Rights Reserved

Buy Rate (Average) by Provider (Top 7 displayed* )

New Only

Loan Only

0 to 200 %

0 to 200 %

A+ (720-999), A (680-719), B (650-679), C (625-649), D (0-624),

lendersubsegment

FiltersApr 09, 2004 to J ul 08, 2004

Report CriteriaSep 9, 2004 11: 26 AM

Buy Rate (Average)

Credit Score

PIN Navigator Report Output Examples – Rate by Credit Tier

PIN Navigator Report Output Examples – Region penetration%

PIN Navigator :: Market Landscape

Report Generated

Measure

Columns

Rows

Date Range

New/ Used

Loan/ Lease

Loan to Cost

Loan to Value

MarketBANK OF AMERI CA

BANK ONE

CHASE AUTOMOT

I VE FI NANCE

SUNTRUST BANK US BANK

WACHOVIA

WELLS FARGO BANK Total Count

Atlanta 6.0% 2.3% 2.5% 8.6% 0.3% 16.1% 2.6% 4.1% 5250

Baltimore/ Washington 2.0% 0.3% 3.3% 20.2% 0.1% 31.6% 1.3% 5.6% 7135

Boston 0.1% 0.0% 5.8% N/ A 0.2% N/ A 0.5% 3.1% 3942

California - North 7.0% 0.8% 2.0% N/ A 2.1% N/ A 5.1% 2.6% 3282

California - South 18.7% 10.9% 10.3% N/ A 11.0% N/ A 16.1% 10.4% 13329

Charlotte 2.1% 1.4% 1.5% 4.5% 1.4% 25.2% 0.6% 2.7% 3502

Chicago 1.1% 6.6% 6.3% N/ A 5.8% N/ A 1.1% 4.3% 5497

Cleveland N/ A 6.4% 4.3% N/ A 7.3% N/ A 1.7% 3.1% 4002

Dallas/ Ft. Worth 5.3% 4.9% 4.2% N/ A 5.1% N/ A 6.9% 4.0% 5076

Denver 1.1% 4.9% 1.7% N/ A 1.0% N/ A 3.2% 1.6% 2052

Detroit 0.1% 2.9% 1.8% N/ A 0.9% N/ A 0.3% 1.2% 1555

Houston 6.9% 8.5% 5.8% N/ A 3.3% N/ A 4.4% 5.1% 6478

I ndianapolis 0.0% 6.0% 2.5% N/ A 1.4% 0.1% 1.1% 1.8% 2357

Kansas City 0.5% 0.5% 0.7% N/ A 3.6% N/ A 0.7% 0.7% 917

Miami 15.8% 3.7% 4.2% 15.6% 2.7% 15.3% 2.4% 7.5% 9566

Minneapolis N/ A 3.3% 5.0% N/ A 11.9% N/ A 9.2% 4.0% 5077

Nevada 4.0% 1.7% 1.9% N/ A 1.4% N/ A 5.4% 2.1% 2659

New York 0.3% 0.9% 11.5% N/ A 0.5% N/ A 1.1% 6.3% 7987

Norfolk/ Virginia Beach 0.2% 0.3% 1.0% 3.4% 0.1% 4.5% 1.1% 1.2% 1482

Oklahoma 3.2% 3.4% 0.6% N/ A 3.7% 1.5% 3.4% 1.5% 1895

Orlando 0.5% 0.8% 1.7% 25.3% 8.9% 0.8% 2.3% 4.5% 5708

Other 3.5% 6.7% 2.0% 1.9% 2.3% 0.9% 4.9% 2.6% 3357

Philadelphia 1.0% 0.6% 4.9% 3.9% 0.2% 1.5% 0.7% 3.3% 4253

Phoenix 5.6% 14.8% 3.4% N/ A 2.3% N/ A 9.1% 4.2% 5373

Pittsburgh 0.2% 0.0% 1.4% N/ A 0.5% 0.6% 0.1% 0.8% 1047

Seattle/ Portland 10.5% 0.5% 2.2% N/ A 2.2% N/ A 13.0% 3.6% 4612

St. Louis 1.0% 0.5% 5.3% N/ A 19.2% N/ A 0.9% 4.1% 5182

Tampa 1.4% 1.2% 1.7% 16.0% 0.3% 1.3% 0.4% 3.1% 3911

Tennessee 1.7% 5.0% 0.6% 0.6% 0.4% 0.6% 0.4% 1.0% 1302

Total 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 127785

Column % by Market

New Only

Loan Only

0 to 200 %

0 to 200 %

BANK OF AMERI CA , BANK ONE , CHASE AUTOMOTI VE FI NANCE , SUNTRUST BANK , US BANK All Markets

FiltersApr 09, 2004 to J ul 08, 2004

Report CriteriaSep 9, 2004 11:33 AM

Column %

Providers (up to 8)

PIN Navigator Report Output Examples – Buy Rate by week

PIN Navigator :: Trend Analysis

Report Generated

Measure

Columns

Rows

Date Range

New/ Used

Loan/ Lease

Loan to Cost

Loan to Value

Date RangeBANK OF AMERI CA

BANK ONE

CHASE AUTOMOT

I VE FI NANCE

SUNTRUST BANK US BANK

WACHOVIA

WELLS FARGO BANK Total Count

Week of J an 04 2004 4.8% 6.5% 4.0% 4.9% 4.1% 3.9% 6.1% 4.5% 4054

Week of J an 11 2004 4.9% 6.3% 4.1% 4.8% 4.1% 4.0% 6.8% 4.6% 4229

Week of J an 18 2004 4.8% 6.7% 3.8% 4.8% 4.3% 4.0% 7.4% 4.4% 5077

Week of J an 25 2004 4.8% 7.3% 3.9% 4.6% 4.0% 4.0% 7.0% 4.5% 5614

Week of Feb 01 2004 4.7% 7.7% 3.9% 4.5% 4.3% 3.9% 7.4% 4.5% 4415

Week of Feb 08 2004 4.8% 6.5% 3.9% 4.8% 4.0% 3.9% 7.4% 4.5% 4847

Week of Feb 15 2004 4.6% 7.2% 3.8% 4.7% 4.1% 4.0% 6.6% 4.4% 5883

Week of Feb 22 2004 4.6% 6.8% 3.8% 4.8% 4.2% 3.9% 6.3% 4.4% 6518

Week of Feb 29 2004 4.6% 6.6% 3.9% 4.5% 5.0% 3.9% 6.9% 4.4% 5386

Week of Mar 07 2004 4.4% 6.3% 4.0% 4.7% 4.3% 3.9% 6.8% 4.4% 4915

Week of Mar 14 2004 4.5% 6.0% 4.0% 4.6% 4.1% 3.9% 6.6% 4.5% 5383

Week of Mar 21 2004 4.5% 5.5% 3.9% 4.4% 3.9% 4.0% 6.7% 4.3% 6030

Week of Mar 28 2004 4.7% 6.5% 3.8% 4.3% 3.7% 3.7% 6.7% 4.3% 6931

Week of Apr 04 2004 4.6% 6.7% 3.9% 4.4% 4.3% 3.9% 7.1% 4.4% 4433

Week of Apr 11 2004 4.7% 6.2% 4.1% 4.4% 4.4% 4.1% 7.7% 4.6% 4300

Week of Apr 18 2004 4.6% 6.5% 4.1% 4.6% 4.0% 3.8% 7.8% 4.6% 4593

Week of Apr 25 2004 4.8% 7.1% 4.1% 4.6% 3.9% 3.8% 7.0% 4.5% 5588

Week of May 02 2004 4.8% 7.5% 4.1% 4.7% 4.3% 3.9% 7.5% 4.6% 3792

Week of May 09 2004 5.1% 8.1% 4.3% 4.7% 4.1% 3.9% 6.7% 4.7% 3798

Week of May 16 2004 5.0% 7.7% 4.5% 5.0% 4.2% 3.9% 6.8% 4.9% 3703

Week of May 23 2004 5.0% 8.2% 4.4% 5.1% 4.8% 3.9% 6.7% 4.9% 4637

Week of May 30 2004 5.0% 7.8% 4.5% 4.9% 4.5% 4.0% 6.2% 4.8% 4286

Week of J un 06 2004 5.1% 8.1% 4.7% 5.0% 4.3% 4.3% 6.9% 5.1% 3004

Week of J un 13 2004 5.2% 9.7% 4.9% 5.0% 4.5% 4.1% 6.5% 5.3% 3120

Week of J un 20 2004 5.1% 9.7% 4.7% 5.2% 4.4% 4.2% 6.6% 5.2% 3447

Week of J un 27 2004 5.0% 9.0% 4.7% 5.2% 4.5% 4.2% 6.7% 5.1% 4355

Week of J ul 04 2004 5.0% 8.7% 4.8% 5.3% 5.1% 4.2% 7.8% 5.1% 2084

Total 4.8% 7.0% 4.1% 4.7% 4.2% 4.0% 6.8% 4.6% 126638

Buy Rate (Average) by Date Range

New Only

Loan Only

0 to 200 %

0 to 200 %

BANK OF AMERI CA , BANK ONE , CHASE AUTOMOTI VE FI NANCE , SUNTRUST BANK , US BANK All Date Ranges

FiltersApr 09, 2004 to J ul 08, 2004

Report CriteriaSep 9, 2004 11: 42 AM

Buy Rate (Average)

Providers (up to 8)

PIN Navigator Report Output Examples –Car category by Bank

PIN Navigator :: Vehicle Landscape

Report Generated

Measure

Columns

Rows

Date Range

New/ Used

Loan/ Lease

Loan to Cost

Loan to Value

RowsBANK OF AMERI CA

BANK ONE

CHASE AUTOMOT

I VE FI NANCE

SUNTRUST BANK US BANK

WACHOVIA

WELLS FARGO BANK Total Count

Compact Car 15.7% 22.3% 12.7% 14.1% 9.3% 13.5% 18.4% 18.2% 18000

Fullsize Car 0.7% 0.8% 0.9% 0.9% 1.6% 2.2% 0.8% 0.9% 1194

Luxury Car 6.1% 3.4% 10.8% 5.3% 11.2% 9.8% 3.4% 5.0% 10950

Midsize Car 13.3% 15.7% 14.6% 14.7% 13.6% 14.9% 15.1% 17.1% 18499

Pickup 24.9% 22.2% 17.5% 21.4% 22.9% 18.0% 26.2% 20.9% 25762

Sport Utility Vehicle (SUV) 26.9% 24.5% 31.0% 29.6% 32.1% 28.8% 25.6% 27.6% 37698

Sporty Car 5.6% 3.7% 4.8% 5.0% 3.4% 4.2% 4.4% 3.5% 6051

Van 6.8% 7.4% 7.7% 9.0% 5.9% 8.6% 6.1% 6.9% 9631

Total 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 749338

Column % by Rows

New Only

Loan Only

0 to 200 %

0 to 200 %

BANK OF AMERI CA , BANK ONE , CHASE AUTOMOTI VE FI NANCE , SUNTRUST BANK , US BANK All Rowss

FiltersApr 09, 2004 to J ul 08, 2004

Report CriteriaSep 9, 2004 11: 48 AM

Column %

Providers (up to 8)

PIN Navigator Report Output Examples –Bank profile – multiple

PIN Navigator :: Profile Comparison

Report Generated

Measure

Columns

Rows

Date Range

New/ Used

Loan/ Lease

MeasureBANK OF AMERI CA

BANK ONE

CHASE AUTOMOT

I VE FI NANCE

SUNTRUST BANK US BANK

WACHOVIA

WELLS FARGO BANK Total Count

Amount Financed/ Net Cap 21322 18775 23032 22202 26453 22054 23127 22114 236849

APR (Average) 6.7 10.1 5.6 6.5 5.5 5.3 8.1 7.2 236849

Buy Rate (Average) 5.3 9.0 4.4 5.1 4.5 4.3 7.1 6.3 236849

Credit Score (Average) 710 685 717 717 720 733 704 699 236849

Customer Cash Rebate 1881 1970 2378 2094 2538 2040 2050 1787 236849

Finance Reserve $ (Average) 800 596 703 773 721 582 604 502 236849

Finance Reserve Penetration (% ) 3.2 2.6 2.5 2.9 2.3 2.1 2.4 2.0 236849

Lease Residual (Average) 15899 15928 19161 14066 15157 23548 13595 16144 236849

Loan to Cost % 110 109 99 104 102 96 117 106 236849

Loan to Value % 84 83 81 83 84 79 87 84 236849

Monthly Payment 398 378 430 411 443 415 414 412 236849

Spread % (Average) 1.5 1.1 1.2 1.3 1.0 1.0 1.0 0.8 236849

Term 63 62 61 63 58 61 62 59 236849

Total Down ($) 4369 4033 5910 4743 4955 6152 3461 4453 236849

Total PI N F&I I ncome (PVR) 1158 822 931 989 809 719 871 713 236849

Transaction Count 40856 18802 103224 22182 21681 7492 22612 1459798 236849

Vehicle Cost (Average) 20618 18272 24459 22269 26414 24349 20885 21976 236849

Vehicle Gross Margin (Average) 8.2 8.7 6.0 5.9 6.1 6.0 8.8 7.1 236849

Vehicle Gross Profit (Average) 1580 1434 1404 1212 1510 1376 1683 1405 236849

Vehicle Price 22062 19537 25748 23307 27684 25540 22395 23276 236849

All Measures

Both

Both

All Measures

FiltersApr 09, 2004 to J ul 08, 2004

Report CriteriaSep 9, 2004 11: 51 AM

All

Providers (up to 8)