NTN DecisionPoint Criteria Worksheet

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1 NTN DecisionPoint Criteria Worksheet You have two settings options when using the NTN DecisionPoint report: 1. Take Advantage of the NTN Default Settings NTN DecisionPoint does a full credit analysis of your applicant s credit record. These have been determined to produce fair and accurate results when scoring rental applicants nationwide. You are free to override the NTN DecisionPoint Rental Recommendations with Manager Decision Override Set Your Own Personal Preferences you may set your own preferences on several of the standards applied to evaluate the rental applicant. To do so, please answer the questions on the attached Customized Settings Worksheet and indicate how you would like NTN DecisionPoint to treat the criterion on each of the NTN DecisionPoint Criteria tabs; Rental Factors, Applicant Score, Eviction / Unlawful Detainer, Tenant Performance, Credit Exclusions, Foreclosures & Tax Liens, Credit Other, Fully Credentialed 2, CoApp 3, Cosigner 3. If using NTN Defaults the following circumstances will carry a heavy negative value: If your applicant has been evicted by a previous landlord If your applicant has filed a bankruptcy If your applicant has an outstanding Judgment against them in favor of an apartment building If your applicant has a history of previous lease violations Even when using the NTN Defaults, we prefer that you set the following applicant acceptance standards: Your standard on months at current residence Your standard on months at current employment Your preferred rent to income standard to accept OR Co-Applicant Summary Report The Co-Applicant Summary Report, when enabled, will determine a Group Recommendation and/or Group Score based on entered criterion when there are multiple applicants. NTN recommends to set the CoApp and Cosigner tabs criterion if using the Co-Applicant Summary Report to confirm that your group accept, conditional accept, and reject recommendations are to your specifications. 1 Contact Your Local Office to learn more about and to be enabled for Manager Decision Override. 2 The Fully Credentialed tab is only visible to fully credentialed subscribers that have completed and passed the On-site Inspection. 3 The CoApp and Cosigner tabs are only visible when enabled for the Co-Applicant Summary Report. NTN, National Tenant Network, NTN DecisionPoint, NTN SecureLease, and NTN SecureManage are U.S. registered trademarks that are owned and used by National Tenant Network, Incorporate.

2 Customized Settings Worksheet Rental Factors Rental Factors determine the basic accept, conditional accept, and reject requirements for minimum employment and residency requirements, and rent to income ratio. If you have an acceptance policy regarding having a designated amount in savings in lieu of monthly income you can designate that here. When ordering your NTN DecisionPoint (Plus) Report the Rental Factors fields display; Rent, the amount you will be charging for rent; Income, their monthly income; Months at Current Residence; and Months at Current Employer. If you would like to be reminded to enter values into the Rental Factors fields you can set them to be required on this tab. Minimum Employment Requirements How many months in the applicant s current job do you consider stable? Enter that amount into the Mos field. Next determine if you would like to conditionally accept or reject the applicant if they do not meet the value entered into the Mos field. If you wish to reject enter a message in the Reject Message field. If you wish to conditional accept select the checkbox and enter a message in the Conditional Accept Message field. I would like to reject the applicant if they are employed less than months and use the message below: Employment Rejection Message: I would like to conditionally accept the applicant if they do not meet my acceptance criteria and use the message below: Conditional Accept Message: Minimum Residency Requirements How many months at the applicant s current residence do you consider stable? Enter that amount into the Mos field. Next determine if you would like to conditionally accept or reject the applicant if they do not meet the value entered into the Mos field. If you wish to reject enter a message in the Reject Message field. If you wish to conditional accept select the checkbox and enter a message in the Conditional Accept Message field. I would like to reject the applicant if they have resided at their current residence less than months and use the message below: Employment Rejection Message: I would like to conditionally accept the applicant if they do not meet my acceptance criteria and use the message below: Conditional Accept Message: NTN DecisionPoint Criteria Worksheet

3 Rent to Income Factors You can determine what is used in the calculation of the Rent to Income ratio, multiplier (Income/Rent=Multiplier) or percentage (Rent/Income=Percentage). You then determine each level value to the corresponding message. If the value entered into column 1 is met or exceeded, the Accept Message will display. If the value entered in column 2 is met but does not exceed the value entered into column 1 the Conditional Accept Message 1 will display and so on through column 4. If the value entered into column 4 is not met the message entered into the Reject Message field will display. If your multiplier/percentage varies on rent amount charged, you can enter up to as many as three additional levels based on the rent amount. I am using percentage for the calculation on the chart below. I am using a multiplier for the calculation on the chart below Accept Rent to Income Multiplier/Percentage: Conditional Accept 1 If rent is less Conditional $ than or equal to Accept 2 If rent is less Conditional $ than or equal to Accept 3 If rent is less than or equal to $ Reject Verified Savings in lieu of Monthly Income If an applicant s monthly income does not meet the standard set you can use savings in the calculation. The calculation uses the amount entered in to the Income and Savings Rental Factor fields when ordering the NTN DecisionPoint (Plus) Report. I would like to accept applicants Rent to Income if they meet my entered standard of times the annual rent. Required fields Would you like the Rental Factors fields to be required when you are entering the applicant s information and ordering a NTN DecisionPoint Report? If yes, select the checkbox next to the fields you wish to be required. Require Rent to Income Require length of time at current employer Require length of time at current residence NTN DecisionPoint Criteria Worksheet

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5 Applicant Score When using custom criteria on the Applicant Score tab you can set accept, conditional accept, and reject score and messages. There are also several recommendation display options. Applicant Score and Message If the applicant score is equal to or greater than the value entered into the Accept score field the Accept Message will display. If the applicant score is equal to or greater than the value entered into the Conditional Accept Message 3 score field but not greater than Accept score field the Conditional Accept Message 3 message will display and so on through Conditional Accept Message 1. If the applicant s score is less than the value entered into the Conditional Accept Message 1 score field the Reject Message will display. Use the table below to draft your Applicant Score and Message criteria. I would like to use the NTN Defaults I would like to use the below custom score criteria Recommendation Reject Conditional Accept Message 1 Conditional Accept Message 2 Conditional Accept Message 3 Accept Score Message Recommendation Options Do you want to receive Rental Recommendations on your NTN DecisionPoint Report? If not there are some options. You can select to exclude the score when determining an accept or reject recommendation. If you never want your NTN DecisionPoint Report to produce a recommendation, except when you have Reject criterion set on other tabs, select Never produce a recommendation. You can also select to only produce a Reject Recommendation when the applicant does not meet your acceptance criteria. Use NTN Defaults Exclude score when determining Accept/Reject recommendation Never produce a recommendation Reject Recommendation when applicant does not meet subscriber s acceptance criteria NTN DecisionPoint Criteria Worksheet

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7 Eviction/Unlawful Detainer The criterion on the Eviction/Unlawful Detainer tab determines how you will treat eviction filings and unlawful detainers. How important in determining the applicant s eligibility is it if there is an eviction or unlawful detainer? Based on your answer you can select your Eviction Factors criteria. You can select to ignore, reject or conditionally accept if there is an eviction judgment present. If you select to conditionally accept you can enter a specific message to display. If you would like the judgment or unlawful detainer to reduce the applicants score select the Use Eviction Criteria and enter values and messages into the table. Use NTN Defaults Ignore Reject Applicant Conditionally Accept Use the message below: Reject only if there is an eviction judgment Use eviction criteria Use the chart below to draft your own eviction criteria: Judgment for money < 1yr (less than one yr old) < 2yr (less than two yrs old) < 3yr (less than three yrs old) > 3yr (more than three years old) Judgment for money satisfied Judgment for restitution, no money Filing, not dismissed Filing, dismissed Messages 4 Conditional Accept Msg 1 Conditional Accept Msg 2 Conditional Accept Msg 3 Reject Reject if eviction within last years 4 The Eviction Unlawful Detainer Messages display when the criterion lowers the score. The message that displays is related to the score ranges set on the Applicant Score tab. NTN DecisionPoint Criteria Worksheet

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9 Tenant Performance NTN relies on landlords across the nation, like you, to provide Move-In and Move-Out information on residents, positive and negative. If information is found on your applicant in NTN s proprietary Tenant Performance database how do you want that information to affect the applicant s score? As with many criteria sections you may select to use NTN Defaults or you can select to ignore, reject or conditionally accept if there are negative NTN Tenant Performance factors present. If you select to conditionally accept or reject you can enter a specific message to display for each option. If you would like the NTN Tenant Performance factors to affect the applicants score select the Weigh as option and enter values for each Tenant Performance factor. Use NTN Defaults Ignore Reject Applicant Use the message below: Conditionally Accept Use the message below: Weigh as: To draft your weigh as options for Tenant Performance factors fill in the chart below. Non-payment of rent deducts Pts Notice not given deducts Pts Non-payment of utilities deducts Pts Other deducts Pts NSF Checks deducts Pts Subscriber try to locate deducts Pts Skip deducts Pts Referred to collections deducts Pts UD Filed deducts Pts Housing fraud deducts Pts Unauthorized pets deducts Pts Section 8 violation deducts Pts Unauthorized occupants deducts Pts Paid in full adds Pts Keys not returned deducts Pts Good tenant adds Pts Damage deducts Pts NTN DecisionPoint Criteria Worksheet

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11 Credit Exclusions The criterion settings on the Credit Exclusions tab determines what, if any, factors on the applicants credit report that you would like to exclude when calculating the applicants score. The factors in this section deal with collections, bankruptcies, judgments, foreclosures, tax liens, and negative debt. Exclusion Criteria Start by determining if you would like to use NTN Defaults or if you would like to set you own exclusion criteria. I would like to use NTN Defaults I would like to set custom credit exclusion criteria Exclude from Score Next, determine if what of the following, if any, you would like to be excluded when calculating the applicant score. Mark your selections: Educational Loans (Negative Only) Educational Loans (Exclude All) Utilities (inc. cell) Telephone Medical Collections Paid Collections I would like to exclude: All collections less than $ Exclude all credit activity older than months Collection Exclusion (after applying above exclusions) After that, determine what, if any, other collections exclusions you would like to apply. These exclusions will be applied after the Exclude from Score criterion. You can use NTN Defaults, exclude collections by total count, exclude collections by total amount, use both, exclude all collections, and exclude write offs. When selecting to exclude by count, amount, or both use the form below to draft your criterion. Use NTN Defaults Exclude by Count: All Collections if TOTAL Collection COUNT is fewer than or equal to Exclude by Score: All Collections if TOTAL Collection DOLLARS is less than Use Both: All Collections if TOTAL Collection COUNT is few than or equal to less than $. and TOTAL Collection DOLLARS is After selecting how you would like to exclude collections, if at all, you may also apply the Collection Exclusion to collections and trade lines. I would like to apply the above collection exclusions to collections and trade lines. NTN DecisionPoint Criteria Worksheet

12 Trade Lines in collections exclusion Now determine if you would like to exclude individual trade lines in collections if they are less than the value entered into the $ field. For example, if a trade line in collection less than 25 dollars is not important to you when determining the applicants score enter into the $ field. I would like to exclude all individual Trade Lines in Collection less than $ Chapter 7 Bankruptcy Exclusion Next, determine if you would like to use NTN Defaults or your own Chapter 7 Bankruptcy Exclusion criteria. If you would like to set your own criteria determine if you would like to exclude if discharged, exclude if discharged and older than a designated number of years, always exclude, or exclude if dismissed. Use NTN Defaults Exclude if discharged Exclude Exclude if dismissed If you would like to only exclude the Chapter 7 Bankruptcy if it is older than a designated number of years, how many years would you consider acceptable? Exclude if discharged and older than years Chapter 13 Bankruptcy Exclusion Then determine if you would like to use NTN Defaults or your own Chapter 13 Bankruptcy Exclusion criteria. If you would like to set your own criteria determine if you would like to exclude if discharged, exclude if discharged and older than a designated number of years, always exclude, or exclude if dismissed. Use NTN Defaults Exclude if discharged Exclude Exclude if dismissed If you would like to only exclude the Chapter 13 Bankruptcy if it is older than a designated number of years, how many years would you consider acceptable? Exclude if discharged and older than years NTN DecisionPoint Criteria Worksheet

13 Judgment Exclusion After that, you must determine if you would like to exclude a Judgment if one is found on an applicant credit record. You may use NTN Defaults or select your own Judgment Exclusion settings. You may select to exclude or exclude only if balance is < (less than) the entered dollar amount. Use NTN Defaults Exclude Exclude if balance less than If you only want to exclude Judgments if they are less than a designated amount what amount would be acceptable? For example, I would like to only exclude Judgments if they are less than $1,000. I would then enter the amount as into the $ field. Foreclosure Exclusion Next, decide if you would like to exclude Foreclosures when determining the applicants score. There are only two settings for this option; NTN Defaults and to always exclude. Use NTN Defaults Exclude Tax Lien Exclusion Now decide if you would like to exclude Tax Liens when determining the applicants score. There are only two settings for this option; NTN Defaults and to always exclude. Use NTN Defaults Exclude Negative Debt Exclusion Are you willing to rent to someone with negative debt? If so, how much negative debt would be acceptable? None, I would not like to forgive negative debt. I would like to forgive negative debt How much negative debt are you willing to forgive? Then determine what would like to use to calculate the negative debt. Mark your selections: Judgments Collections Past Due Trade Lines Tax Liens Write Offs Lastly, what would you like to use as a starting score? If the negative debt exclusion applies to the applicant their score will be the score entered. NTN DecisionPoint Criteria Worksheet

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15 Foreclosures & Tax Liens The Foreclosure and Tax Liens tab criterion let you dictate if you would like to use NTN Defaults, reject the applicant, reject if within 12 months and weigh as, reject if within 24 months and weigh as, or conditionally accept the applicant and use a designated message. Foreclosure Scoring and Reject Modes I would like to use NTN Defaults If you select to reject determine if You would like to reject the applicant if they have a Foreclosure, if they have a Foreclosure within 12 months, or if they have a Foreclosure within 24 months. Reject Reject if within 12 months and weigh as: Reject if within 24 months and weigh as: Foreclosure Weigh Scores In last 12 months deducts In last 24 months deducts If you select to conditionally accept I would like to conditionally accept and use this message: Tax Lien Scoring and Reject Mode I would like to use NTN Defaults If you select to reject determine if You would like to reject the applicant if they have a Tax Lien over a certain amount, if they have a Tax Lien, if they have a Tax Lien within 12 months, or if they have a Tax Lien within 24 months. If you select weigh as fill in the table to determine how many points you would like to have deducted off the applicants score. Reject if total negative tax liens are less than Reject Reject if within 12 months Reject if within 24 months Set my own weigh as settings Use the chart below to draft how you would set the weigh as table. Tax Lien Weigh Scores In last 12 months deducts In last 24 months deducts Over 24 months deducts If you select to conditionally accept I would like to conditionally accept and use this message: NTN DecisionPoint Criteria Worksheet

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17 Credit - Other How would you like to treat Bankruptcies and Collections after the Credit Exclusions criterion has been applied. You can set a default score and message when an applicant has no credit. What actions you would like to take if the applicant s credit report contains only collections? How would you like to treat collections if you have selected not to exclude them? Chapter 7 Bankruptcy Factors Determine if you would like to reject an applicant, conditionally accept an applicant or determine how many points a Chapter 7 Bankruptcy would affect the applicants score. If you select to reject you must determine (These options only apply to active or discharged Chapter 7 Bankruptcies) Reject Reject if within 12 months Reject if within 24 months Reject if within 36 months If you select to conditionally accept you must I would like to conditionally accept and use this message: If you select to enter how many points you would like a Chapter 7 Bankruptcy to take off the applicant s score I would like to use my own weigh as settings. Draft your weigh as settings in the chart below. Chapter 7 within 12 mo. s minus pts Chapter 7 within 24 mo. s minus pts Chapter 7 over 24 mo. s minus pts I would like to apply the weigh as table to dismissed Chapter 7 Bankruptcies. Chapter 13 Bankruptcy Factors Determine if you would like to reject an applicant, conditionally accept an applicant or determine how many points a Chapter 13 Bankruptcy would affect the applicants score. If you select to reject you must determine (These options only apply to active or discharged Chapter 13 Bankruptcies) Reject Reject if within 12 months Reject if within 24 months Reject if within 36 months If you select to conditionally accept you must I would like to conditionally accept and use this message: If you select to enter how many points you would like a Chapter 13 Bankruptcy to take off the applicant s score I would like to use my own weigh as settings. Draft your weigh as settings in the chart below. Chapter 13 within 12 mo. s minus Chapter 13 within 24 mo. s minus Chapter 13 over 24 mo. s minus I would like to apply the weigh as table to dismissed Chapter 13 Bankruptcies. pts pts pts NTN DecisionPoint Criteria Worksheet

18 If no credit than use default score of and message of If an applicant has no credit but you would like to set a score and message to be displayed in the Recommendation section of the NTN DecisionPoint Report(s) enter the starting score and message into the appropriate fields. If nothing is entered in this area a N/A will display as the applicant score. use this score if NO credit and use the message below if NO Credit: For example, I can select a score, 75, in the range based on the Applicant score tab to coincide with my message, No credit - conditionally accept with additional deposit. If Credit Contains Collections only then: Rather than reject an applicant who only has collections you may count the number of collections, the total dollar amount of the collections, or both to determine the use of the entered score if criteria is met. You can use NTN Defaults, use a minimum count (number of collections) to determine score and message, use a minimum dollar amount to determine score and message, or use both. Use NTN Defaults Use minimum count; you must determine... How many collections would be acceptable? What message would you like to display? Use minimum dollars; you must determine How much in collections would be acceptable? What message would you like to display? Use both; you must determine How many collections would be acceptable? What would you like to display as the applicants score? What message would you like to display? What score would you like to display as the applicant score? What score would you like to display as the applicant score? AND, how much in collections would be acceptable? NTN DecisionPoint Criteria Worksheet

19 Collection Reject Factors This section determines how to handle reject options if there are collections present in the applicant s credit history. Use NTN Defaults Reject Applicant Reject if within 12 months Reject if within 24 months Reject if total of collections are greater than Reject if total collections greater than after collection exclusions have been applied. I would like to apply this Collection Reject Factors criteria to Trade Lines in Collections. Negative Item Reject Factors First determine if you want to ignore the settings on the Credit-Exclusions when calculating negative debt. Ignore exclusion criteria Next determine, if you would like to reject based on a count and/or a total amount of negative items use this section. As indicated in the warning, to insure that ALL Trade Lines in Collection are included in the Collections count and/or amount you must select both Collections AND Writeoffs. Count and total the following items Judgments Collections * Writeoffs Tax Liens that are less than old Past Due Trade Lines (Dropdown: All Past Due, >= 30 Days, >= 60 Days, >= 90 Days, >= 120 Days) Reject if count >= Reject if Total >= NTN DecisionPoint Criteria Worksheet

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21 Fully Credentialed This tab is only available to subscribers who have passed the On-Site Inspection 5 If you would like to be notified in the Messages section of the NTN DecisionPoint that there are educational loans, open mortgages, closed mortgages or foreclosures on their credit report select the checkbox next to the items you wish to be notified. Fully Credentialed Mark your selections: Educational Loans Open Mortgages Closed Mortgages Foreclosures I would like to conditionally accept if there are unpaid utilities and use the message below: I would like to ignore telephone utilities Scoring Options If you are enabled for scored credit reports you can have the option of displaying the FICO score in addition to the NTN DecisionPoint Report. Display both the NTN DecisionPoint Score and the FICO score If you would like a message to display on the report when there are disputed items, enable the Disputed Items Message ( Enabled) checkbox and enter the message to display. Please note disputed items do not affect the NTN DecisionPoint score. 5 Contact Your Local Office to learn about the On-Site Inspection process and receive NTN DecisionPoint Plus Reports. NTN DecisionPoint Criteria Worksheet

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23 Co-App This tab is only available when you are enabled for the Co-Applicant Summary Report 6. When a group of applicant s are ran together the criterion on this page determines how the Co-Applicant Summary Report calculates the group income and score; and allows for setting to notify or change the recommendation if certain factors are on the applicants record. Apply the following to determine group Income First, determine how you would like to treat a group of applicants income. Would you like to accept the entire applicant group if one of the applicants income individually meets the rent to income criteria requirements? Would you like to average the group s income to determine if the rent to income criteria requirement is met? All applicants must meet income requirements individually - Since this option is pass/fail the group recommendation will be reject unless all applicants meet the requirement individually or use the options below to set how you would like to handle conditional accept and reject individual income requirements. and If any applicants income is conditional If any applicant income is reject Combine the applicants income to determine recommendation based on multiplier/percentage set on the Rental Factors tab. Accept if one applicant meets income requirements. Apply the following to determine group Score Second, determine how you would like to calculate the applicant group s score. Do all applicants have to meet the score requirement individually? Would you like to accept the entire applicant group if one of the applicant s scores in the accept range? Do you want to average all of the applicants scores to calculate the group s score? Would you like to weigh the importance of the applicants score on their monthly income contribution? If this option is selected the following equation is used: [(Applicant 1's Score x Applicant 1's Percentage of Total Income) + (Applicant 2's Score x Applicant 2's Percentage of Total Income) = (Applicant 1's Weighted Score + Applicant 2 s Weighted Score) = Group Score] The last option would be to use an alternate score criteria for use on the Co-Applicant Summary Report. If you select is option, you must enter values into the Alternate Score Criteria table. 6 Contact your local office for more details and to be enabled. NTN DecisionPoint Criteria Worksheet

24 All applicants must meet score requirement individually - Since this option is pass/fail the group recommendation will be reject unless all applicants meet the requirement individually or use the options below to set how you would like to handle conditional accept and reject individual income requirements. and If any applicants income is conditional If any applicant income is reject Average scores Weighted on Income see calculation for this above Accept if one applicant meets score requirements individually when this is true the group score that is displays is the qualifying applicant s score. Use alternate score table for group score this chart is for average scores and weighted on income options Alternate Score Criteria for use on Co-Applicant Report only Use the table below to draft your Alternate Score Criteria. Recommendation Reject Conditional Accept Message 1 Conditional Accept Message 2 Conditional Accept Message 3 Accept Score Message Both Score and Income Or, do you want to determine a groups eligibility if one applicant s score and rent to income ratio meets your acceptance standards. Do you want a different acceptance/denial message to display if one applicant s score and rent to income ratio apply but the other s do not? You can select from a dropdown what message you would like to display. The messages used are from the Conditional Accept Messages section. Accept and Reject are absolute. NTN DecisionPoint Criteria Worksheet

25 Accept if one applicant meets both income and score requirement individually If any applicant meets both income and score requirement individually and one does not Conditional Accept Messages (for use with dropdown) Use the table below to draft the messages to display in the case of a Conditional Accept recommendation. Any section with a dropdown of recommendations on the CoApp tab uses the conditional accept messages entered here. Conditional 1 Msg Conditional 2 Msg Conditional 3 Msg If the following condition is present for any applicant, please: This section allows for notification of certain criteria factors being present on any of the applicant s in the group. You can also select to display a Recommendation Message to display if according to the applicant criteria the recommendation is Accept or Conditional Accept to one of the factors. The Conditional Accept Messages used are from the Conditional Accept Messages table. Use the table below to draft your selections for this section. Notify Rental Factor Has Chapter 7 Bankruptcy Has Chapter 13 Bankruptcy Has Eviction Has Foreclosure Has Tax Lien Failed Rent to Income Requirement Treat conditional accept income as meets requirements And, if Accept or Conditional Accept, than: (Conditional 1, Conditional 2, Conditional 3, or Reject) NTN DecisionPoint Criteria Worksheet

26 Failed minimum residency requirement Failed minimum employment requirement Has negative Tenant Performance History Failed collection criteria Failed score criteria Treat conditional accept score as meets requirements Failed Chapter 7 Bankruptcy Criteria Failed Chapter 13 Bankruptcy Criteria Failed Criminal criteria (manual override only 7 ) Failed Judgment only requirement* * Judgment only requirement evictions with Judgments Apply the following if group income and/or score are not accept Do you want to change the recommendation if the group income or score does not produce an accept recommendation? This section provides a couple options. Use the chart below to draft your settings. Enable? Recommendation is Change recommendation to (Conditional 1, Conditional 2, Conditional 3, or Reject) If group income is conditional If group income is reject If group score is reject Optional message if Group Score is Reject If the group s score is reject and you would like a specific message to display what would that message be? 7 Contact your Local Office to learn more about NTN Quality Assurance NTN DecisionPoint Criteria Worksheet

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28 Cosigner - This tab is only available when you are enabled for the Co-Applicant Summary Report 8. The Cosigner Tab is for determining how you would like to handle using a cosigner to qualify a group of applicants on the Co- Applicant Summary Report. When an applicant is identified as a co-signer on the Co-Applicant Information entry form this criterion is used. Criteria to Qualify Cosigner Think about the criteria that you would have in order to accept a group with a cosigner. Would you want that criteria to be the same as the applicant criteria that you have set on the Rental Factors, Applicant Score, Eviction/Unlawful Detainer, Tenant Performance, Credit Exclusions, Foreclosures & Tax Liens, Credit Other, and (if applicable) Fully Credentialed tabs? Or would you like to use the applicant criteria but hold the cosigner to a higher score standard? What score would be an acceptable cosigner score? Use same as applicant criteria Use same as applicant but score must be higher than Use alternate Criteria If you would like for the cosigner to have their own criteria select the Edit Alternate Criteria link. The alternate criteria is limited to financial settings only. Use the chart below to draft your alternate criteria for Rental Factors and Applicant Score. These two tabs are different than the applicant criteria Rental Factors and Applicant Score tabs. Reference the Worksheet for setting up the alternate tabs for Credit Exclusions 9, Foreclosures & Tax Liens 10, Credit - Other 11, and Fully Credentialed 12 (if applicable). Rental Factors tab Applicant Score tab Same as Applicant Qualify on Score only Accept if score is greater than or equal to Reject Message Income must be times verified savings of Accept Message 8 Contact your local office for more details and to be enabled. 9 Page 11 of this Worksheet 10 Page 15 of this Worksheet 11 Page 17 of this Worksheet 12 Page 20 of this Worksheet NTN DecisionPoint Criteria Worksheet

29 Cosigner Income Requirements How would you like to handle the cosigner s income when determining a Recommendation? Would you want to apply the same rent to income requirement as the applicant? Or do you want the cosigner to qualify on their score only? Another option would be to accept with an income requirement that is an entered amount times the amount of rent or verified savings of an entered amount. Same as applicant Qualify on score only Income must be times or verified savings of NTN DecisionPoint Criteria Worksheet