Data enhancement services. Delivering high-value consumer and business element listings

Transcription

1 Data enhancement services Delivering high-value consumer and business element listings

2 Data enhancement services Consumer and business element listings Table of contents Data enhancement services consumer... 3 Telephone numbers... 8 TrueTouch SM Summarized credit statistics Census data variables BehaviorBank elements Data enhancement bundled packages consumer Data enhancement services business Business credit segment

3 Data enhancement services consumer The INSOURCE SM Database contains coverage on approximately 235 million consumers in 113 million living units. With more than 2,500 data elements, INSOURCE encompasses a wide range of consumer information. The following pages provide a detailed list of all available data elements along with the data element number required when placing an enhancement order. Experian is working continually to help marketers make the most of their budgets. Check out the value-added services. Value-added services In addition to enhancing your customer and prospect data, Experian offers you a variety of value-added services to help you take your direct-marketing efforts to the next level. Some examples include: Address Capture SM Address Capture SM provides retail marketers with a viable alternative to reverse credit card append. It matches customer name and ZIP Code TM information that was captured at the point of sale against data from Experian s INSOURCE database to return full address records for future marketing efforts. The process also can be used to append purchase behavior, demographics and lifestyle indicators. Telephone append Telephone append offers the most accurate and current consumer telephone information available. Data is updated monthly from a broad range of sources, including Regional Bell Operating Companies, white pages and proprietary sources. Reverse append Reverse append helps you to build your customer database by turning telephone numbers or addresses into complete names using the INSOURCE database s advanced matching process and comprehensive consumer information. Match rate reporting/profiling Match Rate Report This report details the match rates for all elements selected for enhancement. Market Penetration Report This process compares a customer s input file to a representative national sample file from the INSOURCE database. These profiles provide a Z-Score and penetration index for each element and provide results graphically. TrueTouch SM Impact Analysis Report TrueTouch SM gives you a multidimensional view to assist with designing a contact strategy that fits the growing challenges of optimizing targeted consumer communications. Within your TrueTouch Impact Analysis Report, you will learn details specific to your customer base and potential prospects relating to the audience to target the message or motivational themes to use in marketing communications, the information to facilitate channel allocation decisions, and contact timing. Real-Time Marketing Enhanced Lead System Experian s Enhanced Lead System (ELS) provides a solution for the challenges of an online lead environment. Leveraging extensive data assets and advanced analytical systems in real time, ELS ensures that a client can reach the most-qualified, best-defined and best-understood prospects. Experian s ELS offers a unique opportunity to improve the value and quality of a client s prospect and contact data through lead verification and hygiene. Support market segmentation and targeting via demographic and marketing appends, and drive immediate decisions regarding prospects or customers through custom modeling and real-time scoring capabilities. Enhanced list rental fulfillment Enhance your database with INSOURCE data to make it more valuable both to you and to the marketers who rent your list. We also can clean and maintain your database and fulfill list orders. Experian s values-based approach to privacy Experian develops products and services consistent with our values-based approach to privacy. This means that Experian balances the marketer s needs with those of the consumer. To respect consumer privacy and to help clients reach the most appropriate audience, we use both Direct Marketing Association and proprietary mail and telephone preference information to suppress information on consumers who prefer not to receive direct-marketing solicitations. 3

4 Data element listing INSOURCE SM Data element listing Household composition individual and household-level data Data Element Number 100* Date of Birth/Exact Age CCYYMM 100D 100E 101E* Estimated Age 100C Date of Birth/Exact Age CCYYMMDD (IP-restricted day of birth) Exact Age (marketing approval required) Combined Age 103* Gender Code D105S D105E D105N D105T 106E 107A 108E 108H Enhanced Estimated Income Enhanced Estimated Income Amount Estimated Income Estimated Income Amount Given Name (when input provides initial only) Marital Status Model Ethnic Insight SM (includes detail, group, religion, language, country of origin) Ethnic Insight Assimilation (requires ordering Element #108E) 109 Recipient Reliability Code 110 Individual Household Status Code 110A 110P Household Composition Code Person Type 112 Deceased Indicator (D or Unknown) 160 Occupation Detail 160A Occupation Group 162 Education 219 Industry Mail Preference Indicator 224* Home Business Indicator 225* Business Owner Indicator 211* County Geographic Income Percentile 212* National Geographic Income Percentile 350 State Estimated Income Index 351 County Estimated Income Index P400 GreenAware SM Children s data Additional household data pertains to all additional adult (19+) household members other than the input record matched. Data Element Number 121* Presence of Children 122* Number of Children (Maximum of eight children per household) 123* Children s Age Range and Gender 170 Known and Inferred Presence of Children 172 Known and Inferred Presence of Children Age Ranges 124 All Additional Adult Household Members with Name, DOB, Age, Estimated Age, Gender and Relationship 124A All Additional Adult Household Members Name/Indiv Demos/Ethnic Insight 124B All Additional Adult Household Members Name/Individual Demos/No Ethnic Insight *Denoted elements available for Enhanced list rental fulfillment processing 4

5 Data element listing INSOURCE Children s data, continued Data Element Number 124C 124D All Additional Adult Household Members Gold silver bronze (GSB) Name/Individual Demos/Ethnic Insight All Additional Adult Household Members GSB Name/Individual Demos/No Ethnic Insight 125 All Additional Adult Household Members Name/Gender/Household Status 125A 125B 125C 125D Member 1 Individual Demographics Ethnic Insight GSB use only Member 1 Individual Demographics no Ethnic Insight GSB use only Member 1 Individual Demographics Ethnic Insight GSB use only Member 1 Individual Demographics no Ethnic Insight GSB use only 126 Head of Household Name, DOB, Age, Estimated Age and Gender 127 Spouse Name, DOB, Age, Estimated Age and Gender 128 Young Adult/Elderly Parent/Other Name, DOB, Age, Estimated Age and Gender 129 Number of Adults in Household 152 Young Adult Name, DOB, Age, Estimated Age and Gender 153 Elderly Parent Name, DOB, Age, Estimated Age and Gender 154 Other Adult in Household Name, DOB, Age, Estimated Age and Gender 155 Presence of Young Adult in Household 156 Presence of Elderly Parent in Household Additional household data pertains to all additional adult (19+) household members other than the input record matched. Property data Home Transaction/ Mortgage data 113* Homeowner 113A 113B Combined Homeowner Homeowner/Renter indicator 114* Probable Homeowner 114A 115* Renter Homeowner Probability Score 116* Probable Renter 118* Dwelling Type 119* Length of Residence 120* Dwelling Unit Size 601* Estimated Current Home Value (ECHV) 602* County ECHV index 603* County ECHV percentile 608 Original Loan to Value 609 Down Payment Amount (in thousands) 610 Down Payment Percent 611* Date of Warranty deed 612* Purchase amount ranges 612A Purchase amount in thousands 613 Type of Purchase 615 Mortgage Amount Ranges 615A Mortgage Amount in Thousands 616 Mortgage Lender Name 617 Mortgage Rate Type *Denoted elements available for Enhanced list rental fulfillment processing 5

6 Data element listing INSOURCE Property data, continued Home Transaction/ Mortgage data 618 Mortgage Term in Months 619 Mortgage Loan Type 621 Deed Date Of Equity Loan 622 Equity Amount Ranges 622A Equity amount in thousands 623 Equity Lender Name 624 Equity Rate Type 625 Equity Term 626 Equity Loan Type 631 Deed Date of Refinance Loan 632 Refinance Amount Ranges 632A Refinance amount in thousands 633 Refinance Lender Name 634 Refinance Rate Type 635 Refinance Term 636 Refinance Loan Type 641 Year Built 643 Property Indicator 644 Home Stories 645 Land Square Footage Ranges 645A Land Square Footage in Thousands 646 Land Acres Ranges 647 Building Square Footage Ranges 647A 648 Home Bath 649 Home Bedrooms Building Square Footage in Hundreds 650 Swimming Pool Indicator 651 Total Rooms 652 Exterior Wall 653 Home Heat Type 654 Home Fireplaces 655 Home Air Conditioning 657 Home Floor Cover 658 Base Square Footage Ranges 658A Base Square Footage in Hundreds 659 Land Front Footage Ranges 659A Land Front Footage in Thousands 660 Land Depth Footage Ranges 660A Land Depth Footage in Thousands 661 Home Building Construction 671 Total Value of Property Ranges 671A Total Value of Property 672 Improvement Value Ranges 6

7 Data element listing INSOURCE Property data, continued Data Element Number 672A Improvement Value in Thousands 673 Tax Value Ranges 673A Tax Value in Thousands 674 Land Value Ranges 674A Land Value in Thousands Investment Property Data Element Number 675 Investment Property Address 685 Type of investment 686 Investment Property: Date of Warranty Deed 687 Investment Property: Purchase Amount Ranges 687A Investment Property: Purchase Amount in Thousands 689 Investment Property: Type of Purchase 690 Investment Property: Mortgage Amount Ranges 690A Investment Property: Mortgage Amount in Thousands 692 Investment Property: Mortgage Lender name 693 Investment Property: Mortgage Rate Type 695 Investment Property: Mortgage Loan Type 694 Investment Property: Mortgage Term in Months 696 Investment Property: Deed Date of Equity Loan 697 Investment Property: Equity Amount Ranges 697A Investment Property: Equity Amount in Thousands 699 Investment Property: Equity Lender name 700 Investment Property: Equity Rate Type 701 Investment Property: Equity Loan Term in Months 702 Investment Property: Equity Loan Type 703 Investment Property: Deed Date of Refinance Loan 704 Investment Property: Refinance Amount Ranges 704A Investment Property: Refinance Amount in Thousands 706 Investment Property: Refinance Lender name 707 Investment Property: Refinance Rate Type 708 Investment Property: Refinance Term in Months 709 Investment Property: Refinance Loan Type 710 Multiple realty properties indicator Realty models Data Element Number 0711 Estimated Available Equity Ranges 0711A Estimated Available Equity 0715 Estimated Current Loan-to-Value Ratio Ranges 0716 Estimated Current Monthly Mortgage Payment Ranges 0716A Estimated Current Monthly Mortgage Payment 0717 Estimated Current Mortgage Amount Ranges 0717A Estimated Current Mortgage Amount 0741 Year Built (Enhanced) 7

8 Data element listing INSOURCE Telephone numbers A comprehensive listing of published phone numbers and contact services enables more efficient telemarketing. Data Element Number 196 Maximum Telephone Matching 199 Area Code Correction (customer-supplied telephone number) 200* Telephone Numbers (includes and #202), see telephone number options below 201 Telephone Number Verification (customer-supplied telephone) 202 Time Zone do not call (DNC) if #200 purchased Telephone options Data Element Number Element DNC numbers included Types of Do-Not-Call phone numbers included Phone Pander Flag SAN Reqd. Do-Not-Call Contract Reqd. 200 Telephone Numbers No No DNCs included Yes Yes No 200S2 Telephone Numbers IPO2 Yes 200S3 Telephone Numbers IPO3 Yes 200S4 Telephone Numbers IPO4 Yes 200S5 Telephone Numbers IPO5 Yes 200S6 Telephone Numbers IPO6 Yes 200S7 Telephone Numbers IPO7 Yes *Denotes elements available for Enhanced list rental fulfillment processing. FTC DNCs State DNCs (excluding IN) FTC DNCs State DNCs (excluding IN) FTC DNCs State DNCs (excluding IN) DMA DNCs FTC DNCs State DNCs (excluding IN) DMA DNCs FTC DNCs State DNCs DMA DNCs FTC DNCs State DNCs DMA DNCs (excluding IN) No No Yes Yes Yes Yes No No Yes Yes Yes Yes No No Yes Yes Yes Yes 8

9 Data element listing INSOURCE Direct-response and mail-order data Derived from both a consortium direct-response file and direct consumer responses to surveys Data Element Number 130* Direct-Mail Responder Individual Level 131* Direct-Mail Responder Household Level 132A MOR Bank De-duped Hit Count 132B MOR Bank Non-De-duped Hit Count 133* Multibuyer Household Level 134* Direct-Mail Merchandise Buyers 135* Magazine Buyers 136* Contributors 137* Sweepstakes/Contests 138* Do-It-Yourself 139* News and Financial 140* Photography 141* Mail Responders Miscellaneous Odds and Ends Geographic data Defines consumers at a geographic level Data Element Number GEO1 GEO2 GEO4 GEO5 G2506 G2501 G2601 G2602 G2603 Geocode Latitude/Longitude County Name Core based statistical area (CBSA), CSA, Metro Code 2000 State Income Deciles Current Estimated Median Family Income Core Based Statistical Area (CBSA) Core Based Statistical Area Type Rural-Urban County Size Code *Denoted elements available for Enhanced list rental fulfillment processing 9

10 Data element listing INSOURCE TrueTouch SM TrueTouch SM provides a revolutionary new modeling formula for improving your contact strategies. TrueTouch is a multidimensional targeting solution that not only identifies your best customers and prospects, but also tells you what type of messages and offers motivate their purchases, the communication channels they prefer and the times that they can be reached. Impacts 326 Impacts 327 Touchpoints 346 Timing 347 Direct Marketing Channel Receptivity 347I Internet Advertising Receptivity 347M 347N 347R 347T Magazine Advertising Receptivity Newspaper Advertising Receptivity Radio Advertising Receptivity Television Advertising Receptivity *Data Bundles also available Segmentation tools A series of products designed to enable marketers to cluster customers and prospects into similar groups P$YCLE Financial Markets P214H P$YCLE NE P214W Net Worth P214E Income Producing Assets (IPA) Segment Smart Targeting Tools P215* Smart Neighborhoods P216* Experian Smart Targets P217* Smart Households PRIZM P307Z Prizm NE P308H Prizm NE Household Level Mosaic 312GH Mosaic Global Group 312GM Mosaic Global ZIP M Mosaic Group Type ZIP HH Mosaic Household Choice Score CS00A ChoiceScore SM Prospects CS00B ChoiceScore Prospects and Risk Score Automotive models Experian s In the Market for a Vehicle Model predicts the likelihood that a household will be ready to purchase a vehicle within the next five months. Auto ownership models identify the type of vehicles households have the propensity to own. 295 In the Market Model 295A In the Market Model Score 296 New Car Model 297 Used Car Model 10

11 Data element listing INSOURCE Summarized credit statistics Aggregated information is available for modeling that describes a variety of characteristics at a ZIP + 4 level Avg. no. of trades Avg. no. of open trades with a balance >_ to zero Avg. no. of open trades Avg. no. of trades opened within 6 mos. of the profile date Avg. no. of trades opened within 12 mos. of the profile date Avg. no. of accts. opened within 24 mos. of the profile date Avg. no. of trades opened within 36 mos. of the profile date Avg. no. of open trades with a balance > than zero Avg. no. open trades with status of 30 or > days delinq Avg. no. of accts. never reported delinq. or derog Avg. no. of accts. 30 or more days delinq. or derog Avg. no. of accts. 60 or more days delinq. or derog Avg. no. of accts. 90 or more days delinq. or derog Avg. no. of accts. 120 or more days delinq. or derog Avg. no. trades presently current irrespective of past history Avg. no. of paid accounts Avg. no. paid trades within last 24 mos. that had been derog Avg. no. of trades ever reported derog Avg. no. of derog. trades with update <_ 24 mos. of profile date Avg. no. of public record items Avg. no. of public record items in a derog. status Avg. no. of bankrupt accounts Avg. no. of trades with days delinq. and derog. in last 6 mos Avg. no. trades with days delinq. and derog. in last 12 mos Avg. no. trades with days delinq. and derog. in last 6 mos Avg. no. trades with days delinq. and derog. in last 12 mos Avg. no. of collections trades Avg. (sum) outstanding balance on all open trades Avg. outstanding balance on all open trades Avg. balance of open trades presently 30+ days delinq Avg. (sum) monthly payments of all open trades Avg. monthly payment of open trades open < 12 mos. of profile date Avg. (sum) outstanding balance on collection trades Avg. (sum) loan amount on all open trades Avg. (sum) loan amount past due on all open or closed trades Overall ratio of balance-to-loan amount of all open trades Age in mos. of oldest account open paid or closed Age in mos. of most recently opened account paid or closed Avg. age in months of all accounts Avg. no. of inquiries made for credit purposes Avg. no. inquiries for credit purposes < 3 mos. of profile date Avg. no. of inquiries for credit purposes < 6 mos. of profile date Avg. no. of inquiries for credit purposes < 12 mos. of profile date No. of mos. since last inquiry for credit purposes was made % of profile with trades never reported delinq. or derog % of profile consisting of derog. trades % of profile with trades 30+ days delinq. or derog % of profile with trades 60+ days delinq. or derog % of profile with trades 90+ days delinq. or derog % of profile consisting of open accounts % of profile with current accts. from avg. no. of open accts % of new accts. opened < 6 mos. to inquiries < 6 mos. of date % of new accts. opened < 12 mos. to inquiries < 12 mos. of date Avg. no. of auto trades Avg. no. of open auto trades with balance >_ to zero Avg. no. of open auto trades Avg. no. of auto trades opened within 12 mos. of profile date Avg. no. of auto trades opened within 24 mos. of profile date Avg. no. of open auto trades 30 days or more delinq Avg. no. of auto trades never delinq. or derog Avg. no. of auto trades 30+ days delinq. or derog Avg. no. of auto trades 60+ days delinq. or derog Avg. no. of auto trades 90+ days delinq. or derog Avg. no. of paid auto trades Avg. no. of auto trades ever reported derog Avg. (sum) balance on all open auto trades Avg. (sum) monthly payments of all open auto trades Avg. monthly payments all open auto trades open < 12 mos. of date Avg. (sum) loan amount on all open auto trades Maximum loan amount on all auto trades Avg. (sum) loan amount past due on all open or closed auto trades Overall ratio of balance to credit limit of all open auto trades Avg. no. of auto inquiries made for credit purposes Avg. no. of bankcard trades Avg. no. open bankcard trades with balance >_ to zero Avg. no. of open bankcard trades Avg. no. of bankcard trades opened < 6 mos. of profile date Avg. no. of bankcard trades opened < 12 mos. of profile date Avg. no. of bankcards opened < 24 mos. of the profile date Avg. no. of bankcards opened < 36 mos. of the profile date Avg. no. of open bankcard trades with a balance > zero Avg. no. of open bankcard trades with balance >_ to $ Avg. no. of open bankcard accts. with credit limit >_ $ Avg. no. of open bankcard trades balance to limit ratio 40% Avg. no. of open bankcard trades balance to limit ratio 90% Avg. no. of open bankcard trades presently 30+ days delinq Avg. no. of bankcard trades never delinq. or derog Avg. no. of bankcard trades 30+ days delinq. or derog. 11

12 Data element listing INSOURCE Summarized Credit Statistics, continued Avg. no. of bankcard trades 60+ days delinq. or derog Avg. no. of bankcard trades 90+ days delinq. or derog Avg. no. of bankcard trades 120+ days delinq. or derog Avg. no. of bankcard trades ever derog Avg. no. of open bankcard balances >= 0 and open < 12 mos Avg. (sum) outstanding balance on all open bankcard trades Avg. outstanding balance on all open bankcard trades Avg. (sum) loan amount on all open bankcard trades Avg. loan amount on all open bankcard trades Maximum loan amount on all open bankcard trades Avg. loan amt. past due on open or closed bankcard trades Avg. avail. credit after balance subtracted for open bankcards Avg. avail. credit on open bankcards < 30 days delinq. 4+ times Overall ratio balance to credit limit all open bank card trades Ratio bal. to limit open bank trades opened < 12 mos. of date Age in mos. oldest bankcard account open, paid or closed Age in mos. newest bankcard acct. open, paid or closed Avg. age in months of all bankcard accounts Avg. no. of bankcard inquiries made for credit purposes Avg. no. of bankcard inquiries for credit purposes < 6 mos. of date No. of mos. since last bankcard inquiry for credit purposes % profile with bankcard trades never reported delinq. or derog % profile with bankcard trades 30+ days delinq. or derog % of profile with bankcard trades 60+ days delinq. or derog % of profile with bankcard trades 90+ days delinq. or derog % of profile with bankcard trades ever reported derog % of profile consisting of open bankcard accounts % profile with open bankcard accts. from avg. no. of open accts Avg. no. of bank trades (excluding real estate) Avg. no. of open bank trades with balance >= to zero Avg. no. of open bank trades Avg. no. of bank trades opened within 12 mos. of profile date Avg. no. of bank trades presently 30+ days delinq Avg. no. of bank trades never delinq. or derog Avg. no. of bank trades 30+ days delinq. or derog Avg. no. of bank trades 60+ days delinq. or derog Avg. no. of bank trades 90+ days delinq. or derog Avg. no. of derog. bank trades Avg. (sum) outstanding balance on all open bank trades Avg. (sum) loan amount on all open bank trades Avg. no. of credit union trades found on a profile Avg. no. of open credit union trades with balance >= to zero Avg. no. of open credit union trades Avg. no. of credit union trades opened < 12 mos. of profile date Avg. no. open credit union trades presently 30+ days delinq Avg. no. of credit union trades never delinq. or derog Avg. no. of credit union trades 30+ days delinq. or derog Avg. no. of credit union trades 60+ days delinq. or derog Avg. no. of credit union trades 90+ days delinq. or derog Avg. no. of credit union trades ever derog Avg. (sum) balance on all open credit union trades Avg. (sum) loan amount on all open credit union trades Avg. no. of installment loans (excludes real estate) Avg. no. of open installment trades with balance >= to zero Avg. no. of open installment trades Avg. no. of installment loans opened within the last 12 mos Avg. no. of installment loans opened within 24 mos. of profile date Avg. no. of installment trades opened < 36 mos. of profile date Avg. no. of installment trades never delinq. or derog Avg. no. of paid installment trades Avg. no. of derog. installment trades paid within the last 24 mos Avg. no. of installment trades ever derog Avg. (sum) balance on all open installment trades Avg. outstanding balance for all open installment loans Avg. (sum) monthly payments of all open installment trades Avg. (sum) loan amount on all open installment trades Maximum loan amount on all installment trades Avg. loan amt. past due, all open or closed installment trades Ratio of balance to credit limit of all open install trades Avg. age in months of all installment accounts % profile with installment trades never reported delinq./derog % of profile consisting of open installment accounts Avg. no. of loan finance trades found on a profile Avg. no. of open loan finance trades with balance >= to zero Avg. no. of open loan finance trades Avg. no. of loan finance trades opened < 12 mos. of profile date Avg. no. of open loan finance trades presently 30+ days delinq Avg. no. of loan finance trades never delinq. or derog Avg. no. of loan finance trades 30+ days delinq. or derog Avg. no. of loan finance trades ever derog Avg. (sum) balance on all open loan finance trades Avg. (sum) loan amount on all open loan finance trades Avg. no. of real estate mortgage trades Avg. no. of open real estate trades with balance >= to zero Avg. (sum) balance on all open real estate mortgage trades Avg. no. of real property trades (includes real estate) Avg. no. of open real property trades with balance > or = to zero Avg. no. of open real property trades Avg. no. of real property trades opened < 12 mos. of profile date Avg. no. of open real property trades presently 30+ days delinq Avg. no. of real property trades never delinq. or derog Avg. no. of real property trades 30+ days delinq. or derog Avg. no. of real property trades ever derog Avg. (sum) balance on all open real property trades Avg. (sum) monthly payments on all open real property trades 12

13 Data element listing INSOURCE Avg. (sum) loan amount on all open real property trades Avg. loan amt. past due all open or closed real property trades Ratio balance-to-credit limit all open real property trades Avg. no. of real estate 2nd mortgage trades Avg. no. of trades with revolving terms Avg. no. of open revolving trades with balance > or = to zero Avg. no. of open revolving trades Avg. no. of revolving trades opened within 6 mos. of profile date Avg. no. of revolving trades opened within 12 mos. of profile date Avg. no. of revolving trades opened within 24 mos. of profile date Avg. no. of revolving trades opened within 36 mos. of profile date Summarized Credit Statistics, continued Avg. no. of open revolving trades with balance greater than zero Avg. no. of open revolving trades with an outstanding balance > or = to $1, Avg. no. of open revolving accts. with balance >= to $5, Avg. no. of open revolving trades with credit limit >= $1, Avg. no. of open revolving accts. with credit limit >= to $5, Avg. no. of open revolving trades with credit limit >= $10, Avg. no. of open revolving trades balance to limit ratio of 40% Avg. no. of open revolving trades balance to limit ratio of 90% Avg. no. of revolving trades never delinq. or derog Avg. no. of revolving trades 30+ days delinq. or derog Avg. no. of revolving trades 60+ days delinq. or derog Avg. no. of revolving trades 90+ days delinq. or derog Avg. no. of revolving trades 120+ days delinq. or derog Avg. no. of paid revolving trades Avg. no. of derog. revolving trades paid within the last 24 mos Avg. no. of revolving trades ever derog Avg. no. of open revolving trades bal. >= 0 and open < 12 mos Avg. no. of Rev. Trade day delinq. last 6 mos. ever derog Avg. no. of Rev. Trade day delinq. last 12 mos. ever derog Avg. no. of Rev. Trade day delinq. last 6 mos. ever derog Avg. no. of Rev. Trade day delinq. last 12 mos. ever derog Avg. (sum) outstanding balance for open revolving trades Avg. outstanding balance for all open revolving trades Avg. balance open revolving trades presently 30+ days delinq Avg. (sum) loan amount on all open revolving trades Avg. loan amount on all open revolving trades Maximum loan amount on all open revolving trades Avg. loan amt. past due on all open, or closed revolving trades Avg. avail. credit after balance subtracted for all open rev. trades Avg. avail. credit on open rev. trades < 30 days delinq. 4+ times Overall ratio of balance to credit limit all open revolving trades Ratio of bal. to limit all rev. trades opened < 12 mos. of date Age in mos. of oldest revolving account open, paid or closed Age in mos. newest opened revolving acct. open paid or closed Avg. age in months of all revolving accounts Avg. no. of revolving inquiries made for credit purposes % profile with revolving trades never reported delinq. or derog % of profile with revolving trades 30+ days delinq. or derog % of profile with revolving trades 60+ days delinq. or derog % of profile with revolving trades 90+ days delinq. or derog % of profile with revolving trades ever reported derog % of profile consisting of open revolving accounts % of profile with open revolving accts. from avg. no. of open accts Avg. no. of retail trades Avg. no. of open retail trades with a balance >= to zero Avg. no. of open retail trades Avg. no. of retail trades opened within 6 mos. of the profile date Avg. no. of retail trades opened within 12 mos. of profile date Avg. no. of retail trades opened within 24 mos. of profile date Avg. no. of retail trades opened within 36 mos. of profile date Avg. no. of open retail trades with outstanding balance > zero Avg. no. of open retail trades with balance to limit ratio of 40% Avg. no. of open retail trades with balance to limit ratio of 90% Avg. no. of open retail trades presently 30+ days delinq Avg. no. of open retail trades never delinq. or derog Avg. no. of open retail trades 30+ days delinq. or derog Avg. no. of open retail trades 60+ days delinq. or derog Avg. no. of open retail trades 90+ days delinq. or derog Avg. no. of open retail trades 120+ days delinq. or derog Avg. no. of open retail trades ever derog Avg. no. of open retail trades bal. >= 0 open < 12 mos. of date Avg. (sum) outstanding balance on all open retail trades Avg. outstanding balance on all open retail trades Avg. (sum) loan amount on all open retail trades Avg. loan amount on all open retail trades Maximum loan amount on all open retail trades Avg. (sum) loan amt. past due on all open or closed retail trades Avg. avail. credit on open retail trades < 30 days delinq. 4+ times 13

14 Data element listing INSOURCE Summarized Credit Statistics, continued Overall ratio of balance to credit limit of all open retail trades Ratio of bal. to limit of all open retail opened < 12 mos. of date Age in mos. of oldest retail account open, paid or closed Age (mos.) latest opened retail account open paid or closed Avg. age in months of all retail accounts Avg. no. of retail inquiries made for credit purposes Avg. no. of retail inquiries for credit purpose < 6 mos. of profile date % profile with retail trades never reported delinq. or derog % profile with retail trades 30+ days delinq. or derog % profile with retail trades 60+ days delinq. or derog % profile with retail trades 90+ days delinq. or derog % profile with retail trades ever reported derog % of profile consisting of open retail accounts Avg. no. of sales finance trades Avg. no. of open sales finance trades with balance >= to zero Avg. no. of open sales finance trades Avg. no. of sales finance trades opened < 12 mos. of profile date Avg. no. of open sales finance trades presently 30+ days delinq Avg. no. of sales finance trades never delinq. or derog Avg. no. of sales finance trades 30+ days delinq. or derog Avg. no. of sales finance trades ever derog Avg. (sum) balance on all open sales finance trades Avg. (sum) loan amount on all open sales and finance trades Avg. no. of service and professional trades Avg. no. of open svc. and prof. trades with balance > or = to Avg. no. of open service and professional trades Avg. no. of svc. and prof. trades opened < 12 mos. of profile date Avg. no. of open svc. and prof. trades presently 30+ days delinq Avg. no. of svc. and prof. trades never delinq. or derog Avg. no. of svc. and prof. trades 30+ days delinq. or derog Avg. no. of svc. and professional trades 60+ days delinq. or derog Avg. no. of svc. and professional trades 90+ days delinq. or derog Avg. no. of service and professional trades ever derog Avg. (sum) balance on all open service and professional trades Avg. (sum) loan amt. on all open svc. and professional trades Avg. no. of savings and loan trades Avg. no. of open savings and loan trades with balance > or = to Avg. no. of open savings and loan trades Avg. no. of savings/loan trades opened < 12 mos. of profile date Avg. no. of savings/loan trades presently 30+ days delinq Avg. no. of savings and loan trades never delinq. or derog Avg. no. savings/loan trades 30+ days delinq. or derog Avg. no. of savings and loan trades ever derog Avg. (sum) balance on all open savings and loan trades Avg. (sum) loan amount on all open savings and loan trades Median-Level Credit Variables Median Risk Score Median Equivalency Score Median Bankruptcy Score Factor Variables Good vs. Bad Credit score Installment Trades score Active Users score Delinq. Services/Professional Trades score Seeking Credit score Extending Revolving Trades score Good vs. Bad Credit Installment Trades Active Users Delinq. Services/Professional Trades Seeking Credit Extending Revolving Trades Aggregated vehicle data Auto Market Statistics SM Aggregated vehicle information is available for modeling that provides valuable insight into lifestyle, affluence and other key characteristics of consumers automobile ownership patterns at various geographic levels Number of vehicles in ZIP /ZIP Number households with a vehicle Number households without a vehicle Avg. no. vehicles per household Percent households with vehicle Percent households without a vehicle Maximum Value of Vehicles in household Avg. Aggregate Value vehicles per household Avg. Value of Vehicles per area Number Domestic 1 Year Percent Domestic < 1Year Number Import < 1 Year Percent Import < 1 Year Number Domestic 1 Year Percent Domestic 1 Year Number Import 1 Year Percent Import 1 Year Number Domestic 2 Year Percent Domestic 2 Year Number Import 2 Year Percent Import 2 Year Number Domestic 3 Year Percent Domestic 3 Year Number Import 3 Year Percent Import 3 Year Number Domestic 4 Year Percent Domestic 4 Year Number Import 4 Year Percent Import 4 Year Number Domestic 5 7 Year Percent Domestic 5 7 Year Number Import 5 7 Year Percent Import 5 7 Year 14

15 Data element listing INSOURCE Aggregated vehicle data Auto Market Statistics, cont Number Domestic 8 10 Year Percent Domestic 8 10 Year Number Import 8 10 Year Percent Import 8 10 Year Number Domestic Year Percent Domestic Year Number Import Year Percent Import Year Number Domestic 15+ Year Percent Domestic 15+ Year Number Import 15+ Year Percent Import 15+ Year Number Low Price Class Percent Low Price Class Number Medium Price Class Percent Medium Price Class Number High Price Class Percent High Price Class Number Luxury Price Class Percent Luxury Price Class Number With Price Class Percent With Price Class Number Unknown Price Class Percent Unknown Price Class Number American Origin Percent American Origin Number European Origin Percent European Origin Number Asian Origin Percent Asian Origin Number Other Manufacturer Origin Percent Other Manufacturer Origin Number Vehicles with Country of Origin Percent with Country of Origin Number Male Owners Percent Male Owners Number Female Owners Percent Female Owners Number Unknown Owners Percent Unknown Owners Number New Vehicles Percent New Vehicles Number Used Vehicles Percent Used Vehicles Number New Cars Percent New Cars Number New Light Trucks Percent New Light Trucks Number Used Cars Percent Used Cars Number Used Light Trucks Percent Used Light Trucks Number Budget Cars Percent Budget Cars Number Small Cars Percent Small Cars Number Lower Midrange Cars Percent Lower Midrange Cars Number Midrange Cars Percent Midrange Cars Number Upper Midrange Cars Percent Upper Midrange Cars Number Near Luxury Cars Percent Near Luxury Cars Number Luxury Cars Percent Luxury Cars Number Sporty Cars Percent Sporty Cars Number Specialty Cars Percent Specialty Cars Number Electric/Hybrid Cars Percent Electric/Hybrid Cars Number Small Pickup Trucks Percent Small Pickup Trucks Number Large Pickup Trucks Percent Large Pickup Trucks Number Electric Trucks Percent Electric Trucks Number Minivan Vehicles Percent Minivan Vehicles Number Van Vehicles Percent Van Vehicles Number Small Sport Utility Percent Small Sport Utility Number Midrange Sport Utility Percent Midrange Sport Utility Number Large Sport Utility Percent Large Sport Utility Number Unknown Market Class Percent Unknown Market Class Average MSRP Median MSRP Number Vehicles With MSRP Percent Vehicles With MSRP Number Vehicles Without MSRP Percent Vehicles Without MSRP Number with MSRP < $10, Percent with MSRP < $10, Number with MSRP $10,000 $14, Percent with MSRP $10,000 $14, Number with MSRP $15,000 $19, Percent with MSRP $15,000 $19, Number with MSRP $20,000 $24, Percent with MSRP $20,000 $24,999 15

16 Data element listing INSOURCE Aggregated vehicle data Auto Market Statistics, cont Number with MSRP $25,000 $34, Percent with MSRP $25,000 $34, Number with MSRP $35,000 $49, Percent with MSRP $35,000 $49, Number with MSRP > $50, Percent with MSRP > $50, Average Retail Value Number with Retail Value Number without Retail Value Number with Retail Value < $5, Percent with Retail Value < $5, Number with Retail Value $5,000 $9, Percent with Retail Value $5,000 $9, Number with Retail Value $10,000 $14, Percent with Retail Value $10,000 $14, Number with Retail Value $15,000 $19, Percent with Retail Value $15,000 $19, Number with Retail Value $20,000 $24, Percent with Retail Value $20,000 $24, Number with Retail Value $25,000 $34, Percent with Retail Value $25,000 $34, Number with Retail Value > $35, Percent with Retail Value > $35, Number Acura Cars Percent Acura Cars Number Audi Cars Percent Audi Cars Number Buick Cars Percent Buick Cars Number BMW Cars Percent BMW Cars Number Cadillac Cars Percent Cadillac Cars Number Chevrolet/Geo Cars Percent Chevrolet/Geo Cars Number Chrysler Cars Percent Chrysler Cars Number Daewoo/Kia Cars Percent Daewoo/Kia Cars Number Dodge Cars Percent Dodge Cars Number Ford Cars Percent Ford Cars Number Honda Cars Percent Honda Cars Number Hyundai Cars Percent Hyundai Cars Number Infiniti Cars Percent Infiniti Cars Number Jaguar Cars Percent Jaguar Cars Number Lexus Cars Percent Lexus Cars Number Lincoln Cars Percent Lincoln Cars Number Mazda Cars Percent Mazda Cars Number Mercedes Cars Percent Mercedes Cars Number Mercury Cars Percent Mercury Cars Number Mitsubishi Cars Percent Mitsubishi Cars Number Nissan Cars Percent Nissan Cars Number Oldsmobile Cars Percent Oldsmobile Cars Number Plymouth Carsvehicle data Auto Market Percent Plymouth Cars Number Pontiac Cars Percent Pontiac Cars Number Porsche Cars Percent Porsche Cars Number Saab Cars Percent Saab Cars Number Saturn Cars Percent Saturn Cars Number Subaru Cars Percent Subaru Cars Number Suzuki Cars Percent Suzuki Cars Number Toyota Cars Percent Toyota Cars Number Volkswagen Cars Percent Volkswagen Cars Number Volvo Cars Percent Volvo Cars Number Luxury/Special Mix Cars Percent Luxury/Special Mix Cars Number Electric/Hybrid Cars Percent Electric/Hybrid Cars Number Other Makes Percent Other Makes Number Sporty Car Mix Percent Sporty Car Mix Number Domestic Car Makes Percent Domestic Car Makes Number Import Car Makes Percent Import Car Makes Number Chevrolet Light Trucks Percent Chevrolet Light Trucks Number Chrysler/Plymouth Light Trucks Percent Chrysler/Plymouth Light Trucks Number Dodge Light Trucks Percent Dodge Light Trucks Number Ford Light Trucks Percent Ford Light Trucks Number GMC Light Trucks Percent GMC Light Trucks 16

17 Data element listing INSOURCE Aggregated vehicle data Auto Market Statistics, cont Number Isuzu Light Trucks Percent Isuzu Light Trucks Number Mazda Light Trucks Percent Mazda Light Trucks Number Mitsubishi Light Trucks Percent Mitsubishi Light Trucks Number Nissan Light Trucks Percent Nissan Light Trucks Number Subaru Light Trucks Percent Subaru Light Trucks Number Toyota Light Trucks Percent Toyota Light Trucks Number Light Truck Mix Percent Light Truck Mix Number Domestic Light Trucks Percent Domestic Light Trucks Number Import Light Trucks Percent Import Light Trucks Number Chevrolet SUVs Percent Chevrolet SUVs Number Chrysler SUVs Percent Chrysler SUVs Number Dodge SUVs Percent Dodge SUVs Number Ford SUVs Percent Ford SUVs Number GMC SUVs Percent GMC SUVs Number Honda SUVs Percent Honda SUVs Number Isuzu SUVs Percent Isuzu SUVs Number Jeep SUVs Percent Jeep SUVs Number KIA SUVs Percent KIA SUVs Number Mitsubishi SUVs Percent Mitsubishi SUVs Number Nissan SUVs Percent Nissan SUVs Number Oldsmobile SUVs Percent Oldsmobile SUVs Number Suzuki SUVs Percent Suzuki SUVs Number Toyota SUVs Percent Toyota SUVs Number Other SUVs Percent Other SUVs Number Luxury SUV Mix Percent Luxury SUV Mix Number Chevrolet Vans Percent Chevrolet Vans Number Chrysler Vans Percent Chrysler Vans Number Dodge Vans Percent Dodge Vans Number Ford Vans Percent Ford Vans Number GMC Vans Percent GMC Vans Number Honda Vans Percent Honda Vans Number Nissan Vans Percent Nissan Vans Number Oldsmobile Vans Percent Oldsmobile Vans Number Toyota Vans Percent Toyota Vans Number Volkswagen Vans Percent Volkswagen Vans Number Van Mix Percent Van Mix Number Unspecified Make Codes Percent Unspecified Make Codes Percent with Retail Value Percent without Retail Value Vehicle Market Class Bundle Vehicle Value and Age Data Bundle Vehicle Make Bundle Number Traditional Cars Percent Traditional Cars Number Upscale Premium Cars Percent Upscale Premium Cars Number Upscale Ultra Cars Percent Upscale Ultra Cars Number Sporty Cars Upper Premium Percent Sporty Cars Upper Premium Number Sporty Cars Ultra Luxury Percent Sporty Cars Ultra Luxury Number Sport Utility Pickup Truck Percent Sport Utility Pickup Truck Number Alt. Power Natural Gas Car Percent Alt. Power Natural Gas Number Sport Wagon Entry Level Percent Sport Wagon Entry Level Number Sport Utility Upper Midrange Percent Sport Utility Upper Midrange Number Sport Wagon Midrange Percent Sport Wagon Midrange Number Sport Wagon Premium Percent Sport Wagon Premium Number Sport Utility Premium Large Percent Sport Utility Premium Large Foreign vs. Domestic Score More vs. Less Expensive Score Luxury vs. Mid-Priced Score New vs. Used Score Midrange Car vs. Truck Score Foreign vs. Domestic More vs. Less Expensive Luxury vs. Mid-Priced New vs. Used Midrange Car vs. Trucks 17

18 Data element listing INSOURCE 2000 census data variables G2001 % Pop. Age < 4 G2002 % Pop. Age 5 9 G2003 % Pop. Age G2004 % Pop. Age G2005 % Pop. Age G2006 % Pop. Age G2007 % Pop. Age G2008 % Pop. Age G2009 % Pop. Age G2010 % Pop. Age G2011 % Pop. Age G2012 % Pop. Age G2013 % Pop. Age G2014 % Pop. Age G2015 % Pop. Age G2016 % Pop. Age G2017 % Pop. Age G2018 % Pop. Age G2019 % Pop. Age 85+ G2020 % Pop. Age < 10 G2021 % Pop. Age < 18 G2022 % Pop. Age < 25 G2023 % Pop. Age G2024 % Pop. Age G2025 % Pop. Age G2026 % Pop. Age G2027 % Pop. Age 65+ G2028 % Pop. Age 75+ G2029 % Pop. Age 18+ G2030 % Pop. Age G2031 Median Age G2032 Median Age Male G2033 Median Age Female G2034 Median Age Adults 18+ G2035 Median Age Adult Male 18+ G2036 Median Age Adult Female 18+ G2037 % Male G2038 % Female G2039 % White Only G2040 % Black Only G2041 % American Indian Only G2042 % Asian Only G2043 % Hawaiian Only G2044 % Other Race Only G2045 % Multiple Race G2046 % Hispanic G2047 % Non-Hispanic G2048 G2049 G2050 G2051 G2052 G2053 G2054 G2055 G2056 G2057 G2058 G2059 G2060 G2061 G2062 G2063 G2064 G2065 G2066 G2067 G2068 G2069 G2070 G2071 G2072 G2073 G2074 G2075 G2076 G2077 G2078 G2079 G2080 G2081 G2082 G2083 G2084 G2085 G2086 G2087 G2088 G2089 G2090 G2091 G2092 G2093 % White Non-Hispanic % Black Non-Hispanic % American Indian Non-Hispanic % Asian Non-Hispanic % Hawaiian Non-Hispanic % Other Race Non-Hispanic % Multiple Race Non-Hispanic % White Hispanic % Black Hispanic % American Indian Hispanic % Asian Hispanic % Hawaiian Hispanic % Other Race Hispanic % Multiple Race Hispanic % Pop. in Family Households % Pop. Householders in Family household % Pop. Male Householders in Family Household % Pop. Female Householders Family Household % Pop. Spouse in Family Household % Pop. Children in Family Household % Pop. Natural Born/Adopted Children Family Household % Pop. Stepchildren in Family Household % Pop. Grandchildren in Family Household % Pop. Sibling in Family Household % Pop. Parent in Family Household % Pop. Other Relatives in Family Household % Pop. Non-Relatives in Family Household % Pop. In Non-Family Households % Pop. Male Householders in Non-Family Household % Pop. Male Living Alone % Pop. Male Householder 2+ person Non-Family Household % Pop. Female Households in Non-Family Household % Pop. Female Living Alone % Pop. Female Householder 2+ Person Non-Family Household % Pop. Non-Relatives in Non-Family Household % Pop. In Group Quarters % Pop. In Institutions % Pop. In Correctional Institutions % Pop. In Nursing Homes % Pop. In Other Institutional Group Quarters % Pop. Non-Institutional Group Quarters % Pop. College Dormitories % Pop. Military Quarters % Pop. Other Non-Institutional Group Quarters % Households Non-Hispanic % Households Non-Hispanic White 18

19 Data element listing INSOURCE 2000 census data variables cont. G2094 % Households Non-Hispanic Black G2095 % Households Non-Hispanic Native American G2096 % Households Non-Hispanic Asian G2097 % Households Non-Hispanic Hawaiian G2098 % Households Non-Hispanic Other Race G2099 % Households Non-Hispanic Multiple Race G2100 % Households Hispanic G2101 % Households Hispanic White G2102 % Households Hispanic Black G2103 % Households Hispanic Native American G2104 % Households Hispanic Asian G2105 % Households Hispanic Hawaiian G2106 % Households Hispanic Other Race G2107 % Households Hispanic Multiple Race G2108 % Households with Children G2109 % Households Family Household with Children G2110 % Households Married Couple Family with Children G2111 % Households Other Family Type with Children G2112 % Households Male Householder with Children G2113 % Households Female Householder with Children G2114 % Households Non-Family Household with Children G2115 % Households Non-Family Male HOH with Children G2116 % Households Non-Family Female HOH with Children G2117 % Households No Children G2118 % Family Households No Children G2119 % Family Households No Children Married Couple G2120 % Family Households No Children Other Household G2121 % Family Households No Children Male Householder G2122 % Family Households No Children Female Householder G2123 % Non-Family Households G2124 % Non-Family Households Male Householder G2125 % Non-Family Households Female Householder G2126 % Households Married Couple G2127 % Households Age G2128 % Households Age G2129 % Households Age G2130 % Households Age G2131 % Households Age G2132 % Households Age G2133 % Households Age G2134 % Households Age 85+ G2135 % Dwelling Units Vacant G2136 % Dwelling Units Occupied G2137 % Dwelling Units Owner-Occupied G2138 % Dwelling Units Renter-Occupied G2139 % Vacant Units for Rent G2140 G2141 G2142 G2143 G2144 G2145 G2146 G2147 G2148 G2149 G2150 G2151 G2152 G2175 G2176 G2177 G2201 G2202 G2203 G2204 G2205 % Vacant Units for Sale % Vacant Units Sold and Not Yet Occupied % Vacant Units Seasonally Occupied % Vacant Units for Migrant Workers % Vacant Units Other Reason for Vacancy Average Household Size % Households 1 Person % Households 2 Persons % Households 3 Persons % Households 4 Persons % Households 5 Persons % Households 6 Persons % Households 7+ Persons Population Households Pop. Density Dwelling Units % Pop. Urbanized Areas % Pop. Urban Clusters % Pop. Rural Farm % Pop. Rural Non-Farm G2206 Pop. Age 15+ G2207 G2208 G2209 G2210 G2211 G2212 G2213 G2214 G2215 G2216 G2217 G2218 % 15+ Never Married % 15+ Married Spouse Present % 15+ Married Spouse Absent % 15+ Widowed % 15+ Divorced % 15+ less than 9th grade % 15+ 9th 11th grade No Diploma % 15+ High School Graduate % 15+ Some College No Degree % 15+ Associate Degree % 15+ Bachelor s Degree % 15+ Graduate/Prof. Degree G2219 Pop. 3+ G2220 % Pop. 3+ School: Preschool G2221 % Pop. 3+ School: Kindergarten G2222 % Pop. 3+ School: Elementary G2223 % Pop. 3+ School: High School G2224 % Pop. 3+ School: Univ./College G2225 % Pop. 3+ School: Grad./Prof. G2226 % Pop. 3+ School: Not in School G2227 % Pop. 3+ School: Public G2228 % Pop. 3+ School: Private G2229 % Native-Born Citizen G2230 % Foreign-Born Nat Citizen G2231 % Foreign-Born Non-Citizen 19

20 Data element listing INSOURCE 2000 census data variables cont. G2232 % Household s Income Less than $10,000 G2233 % Household s Income $10,000 14,999 G2234 % Household s Income $15,000 19,999 G2235 % Household s Income $20,000 24,999 G2236 % Household s Income $25,000 29,999 G2237 % Household s Income $30,000 34,999 G2238 % Household s Income $35,000 39,999 G2239 % Household s Income $40,000 44,999 G2240 % Household s Income $45,000 49,999 G2241 % Household s Income $50,000 59,999 G2242 % Household s Income $60,000 74,999 G2243 % Household s Income $75,000 99,999 G2244 % Household s Income $100, ,999 G2245 % Household s Income $125, ,999 G2246 % Household s Income $150, ,999 G2247 % Household s Income $200,000+ G2248 Median Household Income G2249 Median Family Household Income G2250 Median Non-Family Household Income G2251 Per-Capita Income G2252 % Household s with Earnings G2253 % Household s No Earnings G2254 % Household s with Wage or Salary Income G2255 % Household s No Wage or Salary Income G2256 % Household s Self-Employment Income G2257 % Household s No Self-Employment Income G2258 % Household s with Int./Div./Rental Income G2259 % Household s No Int./Div./Rental Income G2260 % Household s Social Security Income G2261 % Household s No Social Security Income G2262 % Household s Supp. Security Income (SSI) G2263 % Household s No Supp. Sec. Income (SSI) G2264 % Household s Public Asst. Income G2265 % Household s No Public Asst. Income G2266 % Household s Retirement Income G2267 % Household s No Retirement Income G2268 % Household s Other Type of Income G2269 % Household s No Other Type of Income G2270 Median Income: Household Age < 25 G2271 Median Income: Household Age G2272 Median Income: Household Age G2273 Median Income: Household Age G2274 Median Income: Household Age G2275 Median Income: Household Age G2276 Median Income: Household Age 75+ G2277 % White Pop. Below Poverty G2278 G2279 G2280 G2281 G2282 G2283 G2284 G2285 G2286 G2287 G2288 G2289 G2290 G2291 G2292 G2293 G2294 G2295 G2296 G2297 G2298 G2299 G2300 G2301 G2302 G2303 G2304 G2305 G2306 G2307 G2308 G2309 G2310 G2311 G2312 G2313 G2314 G2315 G2316 G2317 G2318 G2319 G2320 G2321 G2322 G2323 G2324 % White Pop. Above Poverty % Black Pop. Below Poverty % Black Pop. Above Poverty % Native Pop. Below Poverty % Native Pop. Above Poverty % Asian Pop. Below Poverty % Asian Pop. Above Poverty % Hawaiian Pop. Below Poverty % Hawaiian Pop. Above Poverty % Other Pop. Below Poverty % Other Pop. Above Poverty % Multiple Race Pop. Below Poverty % Multiple Race Pop. Above Poverty % Hispanic Pop. Below Poverty % Hispanic Pop. Above Poverty % White Non-Hispanic Pop. Below Poverty % White Non-Hispanic Pop. Above Poverty Total Labor Force % In Armed Forces % Employed % Unemployed % Not in Labor Force Female Labor Force Part Rate % Agric. Forestry Fish and Hunting % Mining % Construction % Manufacturing % Wholesale Trade % Retail Trade % Transportation and Warehousing % Utilities % Information % Finance and Insurance % Real Estate Rental and Leasing % Professional Scientific and Technical Services. % Management of Computer and Enterprises % Administration and support and Waste Management % Educational Services % Health Care and Social Assistance % Arts, Entertainment and Recreation % Accommodation and Food Services % Other Services non-pub Administration % Public Administration % Occupational Management (non-farm) % Occupational Farmers and Farm Mgmt. % Occupational Business Ops. Spec. % Occupational Financial Specialists 20

21 Data element listing INSOURCE 2000 census data variables cont. G2325 % Occ. Computer and Math Occs. G2326 % Occ. Arch. Surv Cartgrph Engr. G2327 % Occ. Draft Eng. and Map Techs. G2328 % Occ. Physical and Social Science G2329 % Occ. Comm. and Social Services G2330 % Occ. Legal G2331 % Occ. Edu. Training and Library G2332 % Occ. Arts/Ent./Sports/Media G2333 % Occ. Health Diag. and Practitioners G2334 % Occ. Health Techs. G2335 % Occ. Health care Support G2336 % Occ. Fire and Law Enforcement G2337 % Occ. Other Protective Services G2338 % Occ. Food Prep and Serving G2339 % Occ. Bldg. and Grnds. Clean and Maint. G2340 % Occ. Personal Care and Service G2341 % Occ. Sales and Related Occs. G2342 % Occ. Office and Admin. Support G2343 % Occ. Farm Fish and Forestry G2344 % Occ. Sup. Const. and Extractn. Workers G2345 % Occ. Const. Trades Workers G2346 % Occ. Extraction Workers G2347 % Occ. Install Maint. and Repair G2348 % Occ. Production G2349 % Occ. Sup. Trans. and Mat Moving G2350 % Occ. Aircraft and Traffic Control G2351 % Occ. Motor Vehicle Operators G2352 % Occ. Rail Water and Other Trans. G2353 % Occ. Material Moving Workers G2354 % Pop. Civilian Veterans Age 18+ G2355 % Disability: Total Tallied G2356 Means of trans. to Work Age 16+ G2357 % Trans. to work Drove Alone G2358 % Trans. to work Carpooled G2359 % Trans. to work Worked at Home G2360 Median Travel Time to Work G2361 Avg. Commute Time G2362 Trav. Time to Work: 90+ mins G2363 Trav. Time to Work: mins G2364 Workers in Family: None G2365 Workers in Family: 1 G2366 Workers in Family: 2 G2367 Workers in Family: 3 G2368 Total Own Occ. Housing units G2369 Own-Occ. Housing units < $10,000 G2370 Own-Occ. Housing units $10,000 14,999 G2371 Own-Occ. Housing units $15,000 19,999 G2372 Own-Occ. Housing units $20,000 24,999 G2373 Own-Occ. Housing units $25,000 29,999 G2374 Own-Occ. Housing units $30,000 34,999 G2375 Own-Occ. Housing units $35,000 39,999 G2376 Own-Occ. Housing units $40,000 49,999 G2377 Own-Occ. Housing units $50,000 59,999 G2378 Own-Occ. Housing units $60,000 69,999 G2379 Own-Occ. Housing units $70,000 79,999 G2380 Own-Occ. Housing units $80,000 89,999 G2381 Own-Occ. Housing units $90,000 99,999 G2382 Own-Occ. Housing units $100, ,999 G2383 Own-Occ. Housing units $115, ,999 G2384 Own-Occ. Housing units $150, ,999 G2385 Own-Occ. Housing units $175, ,999 G2386 Own-Occ. Housing units $200, ,999 G2387 Own-Occ. Housing units $250, ,999 G2388 Own-Occ. Housing units $300, ,999 G2389 Own-Occ. Housing units $400, ,999 G2390 Own-Occ. Housing units $500, ,999 G2391 Own-Occ. Housing units $750, ,999 G2392 Own-Occ. Housing units $1,000,000+ G2393 Median Housing Val. G2394 Housing units with Mort. and Second Mort. G2395 Housing units with Mort. and Home Equity G2396 Housing units with Mort./Sec. Mort. and Equity G2397 Housing units with First Mort. only G2398 Housing units without Mortgage G2399 Median Rent G2400 Rent: Total Rental housing units G2401 Rent: < $100 G2402 Rent: $ G2403 Rent: $ G2404 Rent: $ G2405 Rent: $ G2406 Rent: $ G2407 Rent: $ G2408 Rent: $ G2409 Rent: $ G2410 Rent: $ G2411 Rent: $ G2412 Rent: $ G2413 Rent: $ G2414 Rent: $ G2415 Rent: $ G2416 Rent: $ G2417 Rent: $

22 Data element listing INSOURCE 2000 census data variables cont. G2418 Rent: $1,000 1,249 G2419 Rent: $1,250 1,499 G2420 Rent: $1,500 1,999 G2421 Rent: $2,000 or more G2422 Rent: No Rent G2423 Aggregate Contract Rent G2424 Units : 1; Detached G2425 Units: 1; Attached G2426 Units: 2 G2427 Units: 3 or 4 G2428 Units: 5 9 G2429 Units: G2430 Units: G2431 Units: 50 or more G2432 Units: Mobile Home G2433 Units: Boat/RV/Van/etc. G2434 % Year Built: 1999 to March 2000 G2435 % Year Built: G2436 % Year Built: G2437 % Year Built: G2438 % Year Built: G2439 % Year Built: G2440 % Year Built: G2441 % Year Built: G2442 % Year Built: 1939 or earlier G2443 Median Dwelling Age G2444 % Year Moved in 1999 March 2000 G2445 % Year Moved in G2446 % Year moved in G2447 % Year moved in G2448 % Year moved in G2449 % Year moved in 1969 or earlier G2450 G2451 G2452 G2453 G2454 G2455 G2456 G2457 G2458 G2459 G2460 G2461 G2462 G2463 G2464 G2465 G2466 G2467 G2468 G2469 G2470 G2471 G2472 G2473 G2474 G2503 G2504 G2505 G2506 G2507 G2509 G2510 G2511 Median Length of Residence % Tele Svc.: Own Occ. with % Tele Svc.: Own Occ. without % Tele Svc.: Renter Occ. with % Tele Svc.: Renter Occ. without % Kitchen Facilities: Complete % Kitchen Facilities: Lacking % Fuel Utility Gas % Fuel Bottle Tank or LP Gas % Fuel Electricity % Fuel Fuel Oil Kerosene etc % Fuel Coal or Coke % Fuel Wood % Fuel Solar Energy % Fuel Other Fuel % Fuel No Fuel Used % Plumbing: Complete % Plumbing: Lacking Complete Housing Stability Housing Turnover % Household s English Speaking % Household s Spanish Speaking Ling. Isol. % Household s Spanish Speaking Not Ling. Isol. % Household s Spanish Speaking % Household s Linguistically Isolated Index of Social Position for Small Areas ISPSA Deciles State Income Index State Income Deciles State Home Value Index Market (CBSA) Income Index Market (CBSA) Income Deciles Market (CBSA) Home Value Index 22

23 Data element listing INSOURCE BehaviorBank household indicators and indicators with propensities To maximize coverage, select BehaviorBank household indicators with modeled BehaviorBank propensities. 8101* Golfer 8501 Golfer and propensity 8102* Donor 8502 Donor and propensity 8103* Pets 8503 Pets and propensity 8104* Arts 8504 Arts and propensity 8105* Mail-order buyer 8505 Mail-order buyer and propensity 8106* Fitness 8506 Fitness and propensity 8107* Outdoor 8507 Outdoor and propensity 8108* Travel 8508 Travel and propensity 8109* Investor 8509 Investor and propensity 8110* Auto owner 8510 Auto owner and propensity 8111* Credit card 8511 Credit card and propensity 8112* Garden 8512 Garden and propensity 8113* Crafts 8513 Crafts and propensity 8114* Collector 8514 Collector and propensity 8115* Cruise 8515 Cruise and propensity 8116* Sports 8516 Sports and propensity 8117* Gourmet 8517 Gourmet and propensity 8118* Sweepstakes 8518 Sweepstakes and propensity 8119* Politics 8519 Politics and politics propensity 8120* Music 8520 Music and music propensity 8121* Reader 8521 Reader and reader propensity 8122* Child products 8522 Child products and propensity 8123* Do-it-yourselfer 8523 Do-it-yourselfer and propensity 8124* Self improvement 8524 Self-improvement and propensity 8125* Religion 8525 Religion and propensity 8126* Grandparent 8526 Grandparent and propensity 8127* Clothing 8527 Clothing and propensity 8128* Environmental donor 8528 Environmental donor and donor propensity 8129* Mutual 8529 Mutual and propensity 8130* Weight-conscious 8530 Weight-conscious and propensity 8131* Buys by phone 8531 Buys by phone and propensity 8132* Buys by television 8532 Buys by television and propensity 8133* Mail-order multibuyer 8533 Mail-order multibuyer and propensity 8135* Platinum credit 8535 Platinum credit and propensity 8136* Dogs 8536 Dogs and propensity 8137* Cats 8537 Cats and propensity 8138* Health 8538 Health and propensity 8139* Auto 8539 Auto and propensity 8140* Skiing 8540 Skiing and propensity 8141* Astrology 8541 Astrology and propensity, self-reported data 8142* Boats 8542 Boats and propensity, self-reported data 8143* Cell phone 8543 Cell phone and propensity, self-reported data 8144* Communication 8544 Communication and propensity, self-reported data 8145* Computer 8545 Computer and propensity, self-reported data 8150* High-tech owner 8550 High-tech owner and propensity, self-reported data 8151* Home décor 8551 Home décor and propensity, self-reported data 8152* Home entertainment 8552 Home entertainment and propensity, self-reported 8153* Kitchen aids 8553 Kitchen aids and propensity, self-reported data 8154* Mail-order music video 8554 MOB music video and propensity, self-reported 8155* Mail-order books and magazines 8555 MOB books and mags and propensity, self-reported 8156* Mail-order clothes and shoes 8556 MOB clothes and shoes and propensity, self-reported *Denoted elements available for Enhanced list rental fulfillment processing 23

24 Data element listing INSOURCE 8157* Mail-order insurance and finance 8557 MOB insurance/financial & Propensity, self-reported data 8158* Mail-order gifts 8558 MOB gifts and propensity, self-reported data 8159* Mail-order gardening 8559 MOB gardening and propensity, self-reported data 8160* Mail-order jewelry/cosmetics 8560 MOB jewelry/cosmetics and propensity, self-reported 8161* Music: classical, opera, big band 8561* Music: classical, opera, big band and propensity, self-reported 8561 Music: classical, opera, big band propensity, self-reported 8162* Music: country 8562 Music: country and propensity, self-reported data 8163* Music: Christian 8563 Music: Christian and propensity, self-reported 8164* Music: oldies 8564 Music: oldies and propensity, self-reported data 8165* Music: rock 8565 Music: rock and propensity, self-reported data 8166* Internet online subscriber 8167* Personal care beauty 8567 Personal care beauty and propensity, self-reported 8168* Photography 8568 Photography and propensity, self-reported data 8169* Buy online 8569 Buy online and propensity, self-reported data 8170* Spender 8570 Spender and propensity, self-reported 8171* Tennis 8571 Tennis and propensity, self-reported data 8172* Travel: domestic 8572 Travel: domestic and propensity, self-reported data 8173* Travel: foreign 8573 Travel: foreign and propensity, self-reported data 8174* Volunteer 8574 Volunteer and propensity, self-reported data 8176 Lenses 8576 Lenses and propensity, self-reported 8177 RX Drugs 8577 RX Drugs and propensity, self-reported 8179* Video 8579 Video and Video propensity, self-reported 8180 Active Military 8580 Active Military and Active Military Propensity, self-reported data 8181 Inactive Military 8581 Inactive Military and Inactive Military Propensity, self-reported data 8200 Presence of Smoker *Denoted elements available for Enhanced list rental fulfillment processing 24

25 Data element listing INSOURCE SM Data Bundle Number 151 Advantage Data Bundle B2900 B2913, G2514, 0100, 0101E, 0103, D105S, 0107A, 0109, 0110, , , 0160, 0162, 0211, Basic Financial Data Bundle D1053, 113, 114, 211, 212, G Expanded Financial Data Bundle D1053, 113, 114, 211, 212, 213, G TrueTouch SM Contact Strategy bundle 200, 326, , 346, All TrueTouch Data Bundle 326, , 346, All Mortgage Info Bundle 601, 602, 603, 615, 617, 618, 619, , 711, 715, 716, All Household Indicator Bundle , 8180, All Household Indicator with Propensities Bundle , 8578 (excluding elements in 8500B) 8500B All Household Indicator without Propensities Bundle 8111, 8113, 8117, 8145, 8150, 8166 (balance of Household elements) All Summarized Credit Statistics Bundle All Auto Market Statistics Bundle Vehicle Market Classification Bundle , , , Vehicle Value and Age Data Bundle , , , , Vehicle Make Bundle , , , G2000 ALL 2000 Census Demographic Bundle G2001 G2474 E00G Gold INSOURCE SM Bundle E00GE Gold INSOURCE Bundle with Ethnic Insight SM E00S Silver INSOURCE Bundle E00SE Silver INSOURCE Bundle with Ethnic Insight E00B Bronze INSOURCE Bundle E00BE Bronze INSOURCE Bundle with Ethnic Insight Z0002 All Z-24 Summarized RFM Data Bundle (Silver) Z-24 RFM data Z0003 Z0022 All Z-24 RFM and Mail Order Category Scores Bundle (Gold) Z-24 RFM data Z0003 Z0022 Product Category Models Z0030, Z0035, Z0040, Z0045, Z0050, Z0055, Z0060, Z0065, Z0070, Z0075, Z0080, Z0024 Z0085, Z0090, Z0095, Z0100, Z0105, Z0110, Z0115, Z0120, Z0125, Z0130, Z0135, Z0140, Z0145, Z0150, Z0155, Z0160, Z0165, Z0170, Z0175, Z0180, Z0185, Z0190, Z0195, Z0200, Z0205, Z0210, Z0215, Z0220, Z0225, Z0230, Z0235, Z0240, Z0245, Z0250, Z0255, Z0260, Z0265, Z0270, Z0275, Z0280, Z0285, Z0290, Z0295, Z0300, Z0305, Z0310, Z0315, Z0320, Z0325, Z0330, Z0335, Z0340, Z0345, Z0803 Z0814 Z0001 All Z-24 Data Bundle (Platinum) Z-24 RFM data Z0003 Z0022 Product Category Models and RFM data Z0026 Z0345, Z0803 Z0997 Z0701 Z24 Legacy Reactivation Bundle Participants only Z24 24 Month MOCOMP and RFM Bundle Z0007, Z0003 Z0007, Z0009 Z0011, Z0017, Z0018, Z0019, Z

26 Data element listing INSOURCE SM Additional services Enhancement reports Data Element Number E001 R001 R002 INSOURCE Enhancement Match Rate Report INSOURCE Comprehensive Demo Data Bundle with Telephones INSOURCE Comprehensive Demo Data Bundle Summarized Credit Statistics Match Rate Report Auto Market Statistics Match Rate Report 8100 All Household indicator Match Rate Report 8500, 8500B All Household indicator with Quick Predict propensity Match Rate Report E001, All Enhancement Match Rate Reports with SCS and Consumer E001, and 8500, 8500B All Enhancement Match Rate Reports with SCS and Household indicator and propensities E001, 10500, 8500, 8500B R007 E002 All Enhancement Match Rate Reports with SCS, Consumer Response, and Household indicator and propensities Experian Market Penetration Analysis Smart Profile Market penetration with executive summary TrueTouch impact analysis report Custom executive summary with market penetration or TrueTouch impact reports prepared by Decision Sciences Data Element Number R007 Experian Market Penetration Analysis 325 TrueTouch Impact Analysis Report Enhanced List Rental Fulfillment Data Element Number E003 Enhanced List Rental Fulfillment Standard Bundle (Note: this bundle does not include all elements available for ELRF) 26

27 Data enhancement services business The U.S. Business Database is a premier business-to-business marketing database, featuring demographic and credit information that is updated monthly on more than 14 million businesses. From small, home-based businesses to Fortune 1000 companies, the U.S. Business Database has all the information you need to target new prospects as well as gain valuable intelligence on your existing customers. This database is your source for high-quality business information. Enhancement services Enhance your customer database for effective cross-selling. Data bundles from the U.S. Business Database can be appended to your list to expand your view of your customer. The record match process yields the highest possible match rates for data enhancement, which delivers more data to enhance your files, improve the depth and quality of your database, and provide better insight into your customers needs. A persistent ID helps you track a business over time and easily update your database as data elements on that business change. Enhancement elements Strengthen your customer file by appending enhancement business bundles to your customer file. You can select from six different bundles including: full record, contact, contact demographic, reverse phone and Business Owner Link. In addition, broaden your view of your customer through Experian s business credit bundle, which includes data such as credit rating, total combined tradelines, UCC count and more. Take advantage of business data enhancement services by adding value and productivity to your customer file. 27

28 Data enhancement bundled packages business Business Full Record Bundle Data element Location Number Company Name Address City State Abbreviation ZIP Code ZIP+4 tm State Numeric Code County Code Primary Address Carrier Route Code CBSA Code CBSA CBSA Level CSA Code MSA Code Address Type Indicator Primary Mail Score Primary Mail Confidence Latitude (+3.6 DD FORMAT) Longitude (-3.6 DD FORMAT) Secondary Address Secondary City Secondary State The unique identifier for each business in the database The name shown is that by which the business is known or under which it conducts its business The P.O. Box TM number of the business is provided if one is available. Where there is no postal address, a location is shown if one is available. Where no address is available, this field is blank. The city name identifies the town or municipality in which the address is situated. The city corresponds to the P.O. Box number or the physical address, depending on which type of address is provided. The two-letter U.S. Postal Service (USPS ) abbreviation is used to identify the state in which the city is located. USPS five-digit ZIP code assigned to the business address The ZIP+4 code, together with the ZIP Code, constitutes the full nine-digit code used for delivery by the USPS. A two-digit code is assigned to the state in which the ZIP Code is situated, in accordance with FIPS. A three-digit code is assigned to the county in which the business ZIP Code is situated, in accordance with FIPS. The carrier route for the primary business address as assigned by the USPS Core Based Statistical Area Code (expanded MSA Code) refers to the region based around an urban center of at least 10,000 people. It refers to both Metropolitan Statistical Areas and micropolitan areas, which are urban clusters of at least 10,000 and fewer than 50,000 people. of the city and state that make up the CBSA code Indicates if an area is a micropolitan or metropolitan area: 1 MICROPOLITAN 2 METROPOLITAN Blank UNKNOWN Adjoining CBSAs. Combination of metro and micro areas A four-digit code representing the Metropolitan Statistical Area (MSA). The U.S. Census Bureau has defined 363 MSAs for the United States. The Census Bureau defines an MSA as one or more adjacent counties or county equivalents that have at least one urban core area of at least 50,000 population, plus adjacent territory that has a high degree of social and economic integration with the core as measured by commuting ties. A value indicating specific details about the mailing address of the business: F = Firm delivery point G = General delivery H = High-rise P = Post Office tm box R = Rural route or highway S = Street address The deliverability score of the Primary Address Mailing Confidence of the Primary Address: 1 ACCURATE MAILABLE ADDRESS 2 PROBABLY DELIVERABLE 3 MIGHT BE DELIVERABLE 4 PROBABLY UNDELIVERABLE 5 UNDELIVERABLE DO NOT MAIL 0 NO ABI/ADDRESS MATCH The formatted version of the latitude data element The formatted version of the longitude data element The business location address when both location and postal address are unknown The city of the location address The U.S. Postal Service state abbreviation for the location address 28

29 Data enhancement bundled packages business Business Full Record Bundle, continued Data element Secondary ZIP Code Secondary ZIP+4 Code Secondary Address Carrier Route Code Secondary Mail Score Secondary Mail Confidence Phone Contact Last Name Contact First Name Professional Title The five-digit ZIP Code relating to the location address The ZIP+4 Code for the location address The carrier route for the secondary location address as assigned by the USPS The deliverabiltiy score for the Secondary Address Mailing Confidence of the Secondary Address: 1 ACCURATE MAILABLE ADDRESS 2 PROBABLY DELIVERABLE 3 MIGHT BE DELIVERABLE 4 PROBABLY UNDELIVERABLE 5 UNDELIVERABLE DO NOT MAIL 0 NO ABI/ADDRESS MATCH The telephone number is shown with the area code in the first three positions. (No hyphens or parentheses appear in this field.) The contact s last name The contact s first name The contact s professional title. CPA Certified Public Accountant DC Doctor of Chiropractic Medicine DDS Doctor of Dental Surgery DO Doctor of Osteopathic Medicine DPM Doctor of Podiatry DVM Doctor of Veterinary Medicine MD Doctor of Medicine OD Doctor of Optometry PE Professional Engineer PHD Doctor of Philosophy 29

30 Data enhancement bundled packages business Business Full Record Bundle, continued Title Code Data element Primary SIC Code Primary SIC Secondary SIC Code Secondary SIC NAICS Code NAICS Code Employment Code Title of the designated contact derived from Teleresearch or other source compilation. 1 Owner 2 President 3 Manager 4 Executive Director 5 Principal 6 Publisher 7 Administrator 8 Religious Leader 9 Partner A Chairman B Vice Chairman C Chief Executive Officer D Director (Public Co) E Chief Operating Officer (COO) F Chief Financial Officer (CFO) G Treasurer H Controller I Executive Vice President J Senior Vice President K Vice President L Administration Executive M Corporate Communications Executive N Data Processing Executive O Finance Executive P Human Resources Executive Q Telecommunication Executive R Marketing Executive S Operations Executive T Sales Executive U Corporate Secretary This field contains six-digit SIC Code for the business primary activity. Approximately 79% of the records in the database have only one SIC Code. of the primary Standard Industrial Classification code This field identifies an additional activity of the business. If there is no additional activity, this field will be blank. Approximately 23% of the records in the database have two SIC Codes. of the secondary Standard Industrial Classification code North American Industry Classification System code. Standard codes are six bytes a proprietary 8 byte code is used to increase the accuracy of a match to the SIC Codes. North American Industry Classification System description This field contains an alpha code for the number of employees who work at the business. A 1 4 B 5 9 C D E F G H I 1,000 4,999 J 5,000 9,999 K 10,

31 Data enhancement bundled packages business Business Full Record Bundle, continued Data element Employment Derivation Flag Number of Employees (Actual) Sales Volume Code Estimated Sales Volume (Location) Total Sales Volume (Actual for Corporation) Business Status Code Public Company Indicator Fortune Rank Primary URL Address Year Established CCYY Match Type Match Score Year of First Appearance CCYY Date Added to Database CCYYMM Last Modified Date CCYYMM Determines how employment code was derived. A = Actual B = Modeled by Business C = Modeled by SIC D = Modeled by Professional Individual This field contains the number of employees who work at this location of the business. This field contains an alpha code corresponding to the estimated sales of the business in thousands of dollars. A B C 1,000 2,499 D 2,500 4,999 E 5,000 9,999 F 10,000 19,999 G 20,000 49,999 H 50,000 99,999 I 100, ,999 J 500, ,999 K 1,000,000+ A modeled figure derived from employment size and other factors to indicate the sales volume of the business. Reported dollar sales amount for the corporation The code denoting whether the business is a headquarter, a branch or a subsidiary headquarter. If the business is none of these, the field will be blank. 1 = Headquarters 2 = Branches 3 = Subsidiary Headquarters 9 = Not Linked Indicates a publicly held business or that it is a branch of a publicly held company. 0 Private 1 Public 2 Branch Fortune 1000 ranking. Updated yearly. If two Fortune-ranked companies merge, then the number of ranked companies will decrease by one. This field will be blank on all unranked businesses. The Primary Web address (URL) of the business The year the business/organization was first established There are five Match Types: tight, address only, company name only, phone only and Loc Number/ ABI number. Each match type, except phone number and ABI number, can have multiple Match Scores associated with it. The year of first appearance in the telephone directory. This field is related to the selected SIC only and was first tracked starting in New adds only. The date (CCYYMM) this particular listing was added to the database via one of our multiple sources or when we last obtained a telephone number or a new address for the business. Indicates the year the record was a new add. The date (CCYYMM) this particular listing was added or changed in the database. 31

32 Data enhancement bundled packages business Business Full Record Bundle, continued Data element Action Code Corporation Date Filing Type DB File Code Subsidiary Parent Number Ultimate Parent Number Depicts the type of transaction that occurred. The first byte depicts the type of transaction that occurred on the primary sic Code based on the primary yellow pages heading. Byte 1: A = New business V = Verify no change P = Phone change D = Address change N = Business name change blank = Non-yellow page record The second byte designates the type of change that was made to the record based on the secondary lines of business by some other data source. Byte 2: A = new business B = true blank address E = enhanced record K = former blank address V = verified The date the corporation was established. Format is MMDDYYYY. Indicates how the business was filed. C Corporation D DBA L License U Unknown Indicates the database where the company record resides: H = Hotline U = US Business The subsidiary parent number identifies the business as a regional or subsidiary headquarters for a corporate family. The subsidiary will always have an ultimate parent and may or may not have branches assigned to it. The ultimate parent number identifies the ultimate corporate parent of the business and also serves as the ABI number for the headquarters site of the ultimate parent. Since all locations of a business have the same ultimate parent number, this field provides corporate ownership lineage information. This information is not collected or maintained for the types of organizations for which ownership is ambiguous. Churches and schools, in particular, are not linked in the file for this reason. Business Contact Bundle Data element Location Number Phone Contact Last Name Contact First Name The unique identifier for each business in the database The telephone number is shown with the area code in the first three positions. (No hyphens or parentheses appear in the field.) The contact s last name The contact s first name 32

33 Data enhancement bundled packages business Business Contact Bundle, continued Data element Professional Title Title Code Match Type Match Score Last Modified Date CCYYMM The contact s professional title. CPA Certified Public Accountant DC Doctor of Chiropractic Medicine DDS Doctor of Dental Surgery DO Doctor of Osteopathic Medicine DPM Doctor of Podiatry DVM Doctor of Veterinary Medicine MD Doctor of Medicine OD Doctor of Optometry PE Professional Engineer PHD Doctor of Philosophy Title of the designated contact derived from Teleresearch or other source compilation. 1 Owner 2 President 3 Manager 4 Executive Director 5 Principal 6 Publisher 7 Administrator 8 Religious Leader 9 Partner A Chairman B Vice Chairman C Chief Executive Officer D Director (Public Co) E Chief Operating Officer (COO) F Chief Financial Officer (CFO) G Treasurer H Controller I Executive Vice President J Senior Vice President K Vice President L Administration Executive M Corporate Communications Executive N Data Processing Executive O Finance Executive P Human Resources Executive Q Telecommunication Executive R Marketing Executive S Operations Executive T Sales Executive U Corporate Secretary There are five Match Types: tight, address only, company name only, phone only and Loc Number/ ABI number. Each match type, except phone number and ABI number, can have multiple Match Scores associated with it. The date (CCYYMM) this particular listing was added or changed in the database 33

34 Data enhancement bundled packages business Business Contact Demographic Bundle Data element Location Number Phone Contact Last Name Contact First Name Professional Title Title Code Primary SIC Code Primary SIC The unique identifier for each business in the database The telephone number is shown with the area code in the first three positions. (No hyphens or parentheses appear in this field.) The contact s last name The contact s fist name The contact s professional title. CPA Certified Public Accountant DC Doctor of Chiropractic Medicine DDS Doctor of Dental Surgery DO Doctor of Osteopathic Medicine DPM Doctor of Podiatry DVM Doctor of Veterinary Medicine MD Doctor of Medicine OD Doctor of Optometry PE Professional Engineer PHD Doctor of Philosophy Title of the designated contact derive from Teleresearch or other source compilation. 1 Owner 2 President 3 Manager 4 Executive Director 5 Principal 6 Publisher 7 Administrator 8 Religious Leader 9 Partner A Chairman B Vice Chairman C Chief Executive Officer D Director (Public Co) E Chief Operating Officer (COO) F Chief Financial Officer (CFO) G Treasurer H Controller I Executive Vice President J Senior Vice President K Vice President L Administration Executive M Corporate Communications Executive N Data Processing Executive O Finance Executive P Human Resources Executive Q Telecommunication Executive R Marketing Executive S Operations Executive T Sales Executive U Corporate Secretary This field contains the six-digit SIC Code for the business primary activity. Approximately 79% of the records in the database have only one SIC Code. of the primary Standard Industrial Classification code 34

35 Data enhancement bundled packages business Business Contact Demographic Bundle, continued Data element Employment Code Sales Volume Code Match Type Match Score Last Modified Date CCYYMM This field contains an alpha code for the number of employees who work at the business. A 1 4 B 5 9 C D E F G H I 1,000 4,999 J 5,000 9,999 K 10,000+ This field contains an alpha code corresponding to the estimated sales of the business in thousands of dollars. A B C 1,000 2,499 D 2,500 4,999 E 5,000 9,999 F 10,000 19,999 G 20,000 49,999 H 50,000 99,999 I 100, ,999 J 500, ,999 K 1,00,000+ There are only five Match Types: tight, address only, company name only, phone only and Loc Number/ABI number. Each match type, except phone number and ABI number, can have multiple Match Scores associated with it. The date (CCYYMM) this particular listing was added or changed in the database. Business Credit Bundle Data element Location Number Phone Contact Last Name Contact First Name Professional Title The unique identifier for each business in the database The telephone number is shown with the area code in the first three positions. (No hyphens or parentheses appear in this field.) The contact s last name The contact s first name The contact s professional title. CPA Certified Public Accountant DC Doctor of Chiropractic Medicine DDS Doctor of Dental Surgery DO Doctor of Osteopathic Medicine DPM Doctor of Podiatry DVM Doctor of Veterinary Medicine MD Doctor of Medicine OD Doctor of Optometry PE Professional Engineer PHD Doctor of Philosophy 35

36 Data enhancement bundled packages business Business Credit Bundle, continued Title Code Data element Primary SIC Code Primary SIC Employment Code Title of the designated contact derived from Teleresearch or other source compilation. 1 Owner 2 President 3 Manager 4 Executive Director 5 Principal 6 Publisher 7 Administrator 8 Religious Leader 9 Partner A Chairman B Vice Chairman C Chief Executive Officer D Director (Public Co) E Chief Operating Officer (COO) F Chief Financial Officer (CFO) G Treasurer H Controller I Executive Vice President J Senior Vice President K Vice President L Administration Executive M Corporate Communications Executive N Data Processing Executive O Finance Executive P Human Resources Executive Q Telecommunication Executive R Marketing Executive S Operations Executive T Sales Executive U Corporate Secretary This field contains the six-digit SIC code for the business primary activity. Approximately 79% of the records in the database have only one SIC Code. of the primary Standard Industrial Classification code This field contains an alpha code for the number of employees who work at the business. A 1 4 B 5 9 C D E F G H I 1,000 4,999 J 5,000 9,999 K 10,

37 Data enhancement bundled packages business Business Credit Bundle, continued Data element Sales Volume Code Match Type Match Score Last Modified Date CCYYMM Bankruptcy Indicator Judgment Indicator Tax Lien Indicator Bankruptcy Field Indicator Payment Indicator Number of Legal Derogatory Date Tax Lien Balance Bankruptcy Balance Judgment Balance Credit File Established Date Years in File Derogatory Legal Indicator Derogatory Legal File Date CCYYMMDD Legal Liability Amount UCC Data Indicator UCC Count Last Experian Inquiry Date CCYYMMDD Recent High Credit Median Credit Account Total Combined Tradelines This field contains the alpha code corresponding to the estimated sales of the business in thousands of dollars. A B C 1,000 2,499 D 2,500 4,999 E 5,000 9,999 F 10,000 19,999 G 20,000 49,999 H 50,000 99,999 I 100, ,999 J 500, ,999 K 1,000,000+ There are five Match Types: tight, address only, company name only, phone only and Loc Number/ ABI number. Each match type, except phone number and ABI number, can have multiple Match Scores associated with it. The date (CCYYMM) this particular listing was added or changed in the database Bankruptcy Flag; Y indicates bankruptcy within the last four weeks. Judgment Flag; Y indicates presence of judgment. Tax Lien Flag; Y indicates presence of tax lien. Bankruptcy Field Flag; Y indicates bankruptcy filed in the last 10 years. Payment Flag; Y indicates payment. Tax-Lien Count + Bankruptcy + Judgment + Collection-Counter + UCC Derog Dollar amount of the tax lien Dollar amount of the bankruptcy filing Dollar amount specific in the judgment The date the credit data is added to the Experian Credit File (CCYYMM) Number of years since the credit file was established. Derive as follows: Current Date (CCYYMM) Credit File Established Date (CCYYMM) Indicates presence of any derogatory public record filings such as tax liens and/or judgments, bankruptcy or any collection accounts associated with the business. C = Indicates presence of any accounts in collection associated with this business Y = Derogatory legal data (tax lien, judgment and/or bankruptcy) Date of most recent derogatory public record filing Total dollar amount of debtor s legal liability, including accounts in collection, tax liens, judgments and/or bankruptcies Indicates presence of Uniform Commercial Code (UCC) filing, which states that the business has secured a line of credit by collateral D = Indicated significant collateral has been pledged Y = Indicates presence of UCC filings Number of UCC filings Date of most recent credit inquiry by Experian s credit clients within past nine months Highest single amount of the credit extended in the last 12 months to this business Median amount of extended credit, based on tradelines present on Experian s business credit database within the past 12 months Number of tradelines that have been updated within the past three months 37

38 Data enhancement bundled packages business Business Credit Bundle, continued Data element Days Beyond Terms of Combined Trade Totals Combined Trade Balance Aged Tradelines Count Percentage of Trade Current Percentage of Trade Days Beyond Terms Experian Credit Rating BIS Business Identification Number (PBIN) Commercial Intelliscore SM 210 Commercial Intelliscore 210 Risk Evaluation Code Commercial Intelliscore 210 Percentile Commercial Intelliscore 210 Probability Quarter 1 Average DBT Quarter 2 Average DBT Quarter 3 Average DBT Quarter 4 Average DBT Quarter 5 Average DBT States the average number of days beyond terms the company pays its bills based on continuously contributed tradelines Total dollar amount of all combined Number of tradelines with no updates in the past three months Percentage of combined account balances 31 to 60 days past due Percentage of combined account balances more than 60 days past due Proprietary credit model dependent on days beyond terms (DBT) 0 = Not evaluated 1 = Good credit risk (0 15 DBT) 2 = Reasonable credit risk (16 30 DBT) 3 = Potential credit risk (31 45 DBT) 4 = Probable credit risk (46 60 DBT) 5 = Significant credit risk (61 75 DBT) 6 = Significant credit risk (76 90 DBT) 7 = Significant credit risk ( DBT) Business Identification Number used to match the record to Experian s business credit database A modeled score used for risk assessment. Designed to predict 90-day payment delinquency of businesses of all sizes crossing all industries. The score ranges from 0 to 100. The higher the score, the lower the risk. Format Risk Evaluation Code corresponding to a given Commercial Intelliscore 210. Domain includes: HR (High Risk) = MHR (Medium High Risk) = MR (Medium Risk) = LMR (Low Medium Risk) = L (Low Risk) = B (Bankruptcy) = LD (Limited Data) = NS (No Score) = Blanks Indicates the percentage of businesses that would have scores below that of this business Indicates the probability percentage that this business will become derogatory within six months. Format = Indicates the average days beyond terms for the most recent quarter Indicates the average days beyond terms for the next prior quarter Indicates the average days beyond terms for the next prior quarter Indicates the average days beyond terms for the next prior quarter Indicates the average days beyond terms for the next prior quarter Business Reverse Phone Bundle Data element Location Number Company Name Address The unique identifier of each business in the database The name shown is that by which the business is known or under which it conducts its business The P.O. Box number of the business is provided if one is available. Where there is no postal address, a location is shown. If one is available, this field is blank. 38

39 Data enhancement bundled packages business Business Reverse Phone Bundle, continued City Data element State Abbreviation ZIP Code ZIP + 4 Primary Mail Score Primary Mail Confidence Match Type Match Score Last Modified Date CCYYMM The city name identifies the town or municipality in which the address is situated. The city corresponds to the P.O. Box number or the physical address, depending on which type of address is provided. The two-letter U.S. Postal Service (USPS) abbreviation is used to identify the state in which the city is located. USPS five-digit ZIP code assigned to the business address. The ZIP+4 Code, together with the ZIP Code, constitutes the full nine-digit code used for delivery by the USPS. The deliverability score of the Primary address Mailing Confidence of the Primary Address: 1 ACCURATE MAILABLE ADDRESS 2 PROBABLY DELIVERABLE 3 MIGHT BE DELIVERABLE 4 PROBABLY UNDELIVERABLE 5 UNDELIVERABLE DO NOT MAIL 6 NO ABI/ADDRESS MATCH There are five Match Types: tight, address only, company name only, phone only and Loc Number/ ABI number. Each match type, except phone number and ABI number, can have multiple Match Scores associated with it. The date (CCYYMM) this particular listing was added or changed in the database. Business Owner Link SM Bundle Data element Location Number Phone Contact Last Name Contact First Name Professional Title The unique identifier for each business in the database The telephone number is shown with the area code in the first three positions. (No hyphens or parentheses appear in this field.) The contact s last name The contact s first name The contact s professional title. CPA Certified Public Accountant DC Doctor of Chiropractic Medicine DDS Doctor of Dental Surgery DO Doctor of Osteopathic Medicine DPM Doctor of Podiatry DVM Doctor of Veterinary Medicine MD Doctor of Medicine OD Doctor of Optometry PE Professional Engineer PHD Doctor of Philosophy 39

40 Data enhancement bundled packages business Business Owner Link SM Bundle, continued Title Code Data element Primary SIC Code Primary SIC Employment Code Title of the designated contact derived from Teleresearch or other source compilation. 1 Owner 2 President 3 Manager 4 Executive Director 5 Principal 6 Publisher 7 Administrator 8 Religious Leader 9 Partner A Chairman B Vice Chairman C Chief Executive Officer D Director (Public Co) E Chief Operating Officer (COO) F Chief Financial Officer (CFO) G Treasurer H Controller I Executive Vice President J Senior Vice President K Vice President L Administration Executive M Corporate Communications Executive N Data Processing Executive O Finance Executive P Human Resources Executive Q Telecommunication Executive R Marketing Executive S Operations Executive T Sales Executive U Corporate Secretary This field contains the six-digit SIC Code for the business primary activity. Approximately 79% of the records in the database have only one SIC Code. of the primary Standard Industrial Classification code This field contains an alpha code for the number of employees who work at the business. A 1 4 B 5 9 C D E F G H I 1,000 4,999 J 5,000 9,999 K 10,

41 Data enhancement bundled packages business Business Owner Link SM Bundle, continued Data element Sales Volume Code Match Type Match Score Last Modified Date CCYYMM Business Owner First Name Business Owner Middle Name Business Owner Last Name Business Owner Generation Code Professional Title This field contains the alpha code corresponding to the estimated sales of the business in thousands of dollars. A B C 1,000 2,499 D 2,500 4,999 E 5,000 9,999 F 10,000 19,999 G 20,000 49,999 H 50,000 99,999 I 100, ,999 J 500, ,999 K 1,000,000+ There are five Match Types: tight, address only, company name only, phone only and Loc Number/ ABI number. Each match type, except phone number and ABI number, can have multiple Match Scores associated with it. The date (CCYYMM) this particular listing was added or changed in the database. The business owner s first name The business owner s middle name The business owner s last name The given generation code for the business owner, such as I, II, III, IV, etc., or Jr., Sr. or Blanks The contact s professional title. CPA Certified Public Accountant DC Doctor of Chiropractic Medicine DDS Doctor of Dental Surgery DO Doctor of Osteopathic Medicine DPM Doctor of Podiatry DVM Doctor of Veterinary Medicine MD Doctor of Medicine OD Doctor of Optometry PE Professional Engineer PHD Doctor of Philosophy 41

42 Data enhancement bundled packages business Business Owner Link SM Bundle, continued Title Code Data element Business Owner Home Address Business Owner Home City Business Owner Home State Business Owner Home ZIP Code Business Owner Home ZIP+4 Title of the designated contact derived from Teleresearch or other source compilation. 1 Owner 2 President 3 Manager 4 Executive Director 5 Principal 6 Publisher 7 Administrator 8 Religious Leader 9 Partner A Chairman B Vice Chairman C Chief Executive Officer D Director (Public Co) E Chief Operating Officer (COO) F Chief Financial Officer (CFO) G Treasurer H Controller I Executive Vice President J Senior Vice President K Vice President L Administration Executive M Corporate Communications Executive N Data Processing Executive O Finance Executive P Human Resources Executive Q Telecommunication Executive R Marketing Executive S Operations Executive T Sales Executive U Corporate Secretary Primary consumer street address for the business owner Primary consumer city for the business owner Primary consumer state for the business owner Primary consumer ZIP Code for the business owner Primary consumer ZIP+4 code for the business owner 42

43 Notes 43

44 Notes 44

45 Notes 45

46 Experian 475 Anton Blvd. Costa Mesa, CA T: Experian Information Solutions, Inc. All rights reserved Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein may be the trademarks of their respective owners. Experian is a nonexclusive full-service provider licensee of the United States Postal Service. The following trademarks are owned by the United States Postal Service : Post Office, ZIP+4, ZIP Code, ZIP, U.S. Postal Service, USPS, P.O. Box. The price for Experian s services is not established, controlled or approved by the United States Postal Service. 09/ / CS