1. PIN Navigator Overview

2. 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

3. Web Based data base

4. 36 US markets – 5 in Canada

5. 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

6. 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

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

8. 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

9. PIN Navigator Report Output Examples – Rate by Credit Tier

10. PIN Navigator Report Output Examples – Region penetration%

11. PIN Navigator Report Output Examples – Buy Rate by week

12. PIN Navigator Report Output Examples – Car category by Bank

13. PIN Navigator Report Output Examples – Bank profile – multiple