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 Make Manufacturer Model Model Year Nameplate Origin Vehicle Segment Vehicle Sub Segment Vehicle Super Segment Provider Market Share Provider Name Provider Segment Provider Sub 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 Finance Reserve Penetration Market Location Total PIN F&I Income (PVR) Vehicle Cost Vehicle Gross Vehicle Profit Margin Note: Variables highlighted in red are unique to PIN Navigator

PIN Navigator Portal Provides Easy Access To Reports and Information - Data Updated Weekly Favorite/Recent Reports Stores and Recalls Frequently-Used and Recently-Run Reports Client Dashboard Provides a Quick Summary of Buy Rates for New and Used Vehicles Across Credit Tiers Account Info. Manage Users, Define Variables (e.g., Credit Tiers, Contract Term, Create Provider Aggregates) Powergram Daily News Summary of Relevant Information for Auto and Auto Finance Industries Reports Access Report Formats Within Tool

PIN Navigator Framework - Select a Report Format Detailed Descriptions on Next Slide

PIN Navigator Framework - Select Report Measure, Columns, Rows and Filters Variable Selected to Populate Report Columns and Rows Variables Selected to Display Measure Variable Filters Defines the Universe for the Report

PIN Navigator Report Output Examples – Rate by Credit Tier

PIN Navigator Report Output Examples – Region penetration%

PIN Navigator Report Output Examples – Buy Rate by week

PIN Navigator Report Output Examples – Car category by Bank

PIN Navigator Report Output Examples – Bank profile – multiple