Combining the market intelligence power of AutoCount with Experian s VantageScore SM

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1 AutoCount Risk Report Combining the market intelligence power of AutoCount with Experian s VantageScore SM Indirect lenders are continually seeking tools to improve market understanding and competitive positioning at the risk level. They have questions that require answers: Are dealers originating loans appropriate to their portfolio? What are the risk profiles by dealer? What is the competitive market share by dealer? In what risk segments are the competitors buying? Now, AutoCount Report SM subscribers can supplement their knowledge with, providing lenders with valuable market information: Gain insight into market dynamics - Understand risk profiles by dealer - Determine competitive positioning Develop lending products and programs - Match appropriate products with dealers - Leverage high-volume dealers Expand into new markets - Develop dealer expansion strategies - Determine competitive positioning With AutoCount Risk Report, you get monthly Department of Motor Vehicles data combined with consumer risk information. AutoCount Risk Report is an objective source of titled vehicle sales, offering fact-based loan information on lenders, dealers and consumer risk at the state and territory level. Increase your competitive edge with AutoCount Risk Report. Report options include: Dealer type franchised and/or independent Vehicle type new and/or used Score flexible score segmentation using VantageScore SM The AutoCount Risk Report is available in an Excel spreadsheet via the following delivery methods: FTP CD Accelerateyouropportunities SM

2 Report descriptions Page 1 Dealer average summary Get an at-a-glance review of the average scores on loans originating from dealers. This report reflects the average risk score for new and used automotive loans sold by dealers, providing a quick overview of dealer activity. Rank indicates the highest average scores for the dealer s loan volume. Total indicates the number of loan transactions used in the report. Typically, this is the number of loan transactions completed through the dealer for the given time period and is based on the number of loans All vehicles average score the average VantageScore for all loans on new and used vehicles sold at the dealership New vehicles average score the average VantageScore for loans on new vehicles sold at the dealership Used vehicles average score the average VantageScore for loans on used vehicles sold at the dealership Dealer Average Summary All Vehicles New Vehicles Used Vehicles Rank Dealer Name Total Avg Score Avg Score Avg Score 1 BOARDWALK PORSCHE BENTLEY DALLAS WILLIAMS MOTORS INC DAVID MCDAVID ACURA (PLANO) SNELL BUICK, PONTIAC, GMC LP CREST CADILLAC INC STOWE FORD INC FRANK KENT CADILLAC/OLDS PARK PLACE LEXUS (GRAPEVINE) PARK PLACE LEXUS (PLANO) GLOFF MOTORS INC UNIVERSITY PARK AUDI SEWELL LEXUS (FORT WORTH) EWING AUTOHAUS INC LAND ROVER FRISCO (FRISCO) PARK PLACE MOTORCARS (DALLAS) AUTOBAHN MOTORCARS MAC CHURCHILL ACURA INC GRUBBS INFINITI

3 Report descriptions Page 2 Dealer segment summary Quickly identify the lending profile of dealers across score segments and view the total number of loans and average score of vehicle loans. This report further identifies the percentage of the loans distributed across customizable score segments. Percentage of population by segment customized display for the percentage of consumer loans across the lending segments Dealer Segment Summary Percentage of Population by Segment Dealer Name Total Avg Score Tier F ( ) Tier D ( ) Tier C ( ) Tier B ( ) Tier A ( ) BOARDWALK PORSCHE % 16.70% 25.00% 16.70% 41.70% BENTLEY DALLAS % 25.00% 25.00% 0.00% 50.00% WILLIAMS MOTORS INC % 5.90% 17.60% 58.80% 17.60% DAVID MCDAVID ACURA (PLANO) % 11.60% 19.60% 44.60% 20.50% SNELL BUICK, PONTIAC, GMC LP % 16.70% 25.00% 25.00% 33.30% CREST CADILLAC INC % 11.00% 24.80% 37.60% 22.90% STOWE FORD INC % 16.70% 33.30% 33.30% 16.70% FRANK KENT CADILLAC/OLDS % 14.30% 26.20% 47.60% 11.90% PARK PLACE LEXUS (GRAPEVINE) % 14.30% 29.80% 30.40% 23.00% PARK PLACE LEXUS (PLANO) % 14.30% 30.30% 26.90% 25.20% GLOFF MOTORS INC % 25.00% 25.00% 25.00% 25.00% UNIVERSITY PARK AUDI % 15.00% 30.00% 40.00% 15.00% SEWELL LEXUS (FORT WORTH) % 12.20% 28.60% 36.70% 18.40% EWING AUTOHAUS INC % 12.30% 36.80% 28.10% 19.30% LAND ROVER FRISCO (FRISCO) % 0.00% 55.60% 22.20% 22.20% PARK PLACE MOTORCARS (DALLAS) % 19.00% 29.10% 30.40% 19.00% AUTOBAHN MOTORCARS % 15.90% 29.90% 36.60% 15.90% MAC CHURCHILL ACURA INC % 14.60% 24.40% 32.90% 22.00% GRUBBS INFINITI % 14.10% 24.40% 33.30% 20.50% MORITZ CADILLAC INC % 18.60% 26.30% 34.60% 17.30% BMW OF DALLAS % 21.50% 22.40% 29.00% 21.50% JAMES WOOD BUICK PONT GM % 16.30% 28.60% 36.70% 14.30% SEWELL VILLAGE CADILLAC % 20.50% 26.90% 23.70% 23.10% VOLVO OF RICHARDSON % 17.60% 23.50% 29.40% 23.50% SEWELL CAD SAAB GRAPEVINE % 15.00% 36.30% 29.20% 15.90% COLE FORD SALES INC % 40.00% 20.00% 20.00% 20.00% OVERSEAS MOTORS % 10.00% 50.00% 30.00% 10.00% LEGACY RIDGE AUTOPLEX % 22.20% 16.70% 33.30% 22.20% PARK PLACE MOTORCARS FORT WORT % 20.00% 20.00% 30.00% 23.30% SEWELL LEXUS (DALLAS) % 20.90% 28.70% 30.00% 17.40% CLASSIC BMW % 16.50% 32.90% 35.30% 11.80% TEXSTAR FORD LINC MERC % 18.50% 29.60% 25.90% 22.20% BANKSTON HONDA (LEWISVILLE) % 22.90% 24.60% 38.50% 11.70% FRANK KENT HONDA % 20.40% 30.60% 34.70% 12.20%

4 Report descriptions Page 3 Dealer distribution summary Drill down into a detailed view of how many automotive loans on vehicles sold by dealers fall into customizable score bands. Gain valuable competitive information by understanding the distribution of loans by risk intervals. This report distributes vehicle loans into bands that can be customized into as finite a range as 20-point score intervals, providing detailed information on the loans by dealer. Score intervals customizable down to 20-point distributions and displays the number of consumer loans that fell in each interval Dealer Distribution Summary Dealer Name Total Avg Score BOARDWALK PORSCHE BENTLEY DALLAS WILLIAMS MOTORS INC DAVID MCDAVIDACURA (PLANO) SNELL BUICK, PONTIAC, GMC LP CREST CADILLAC INC STOWE FORD INC FRANK KENT CADILLAC/OLDS PARK PLACE LEXUS (GRAPEVINE) PARK PLACE LEXUS (PLANO) GLOFF MOTORS INC UNIVERSITY PARK AUDI SEWELL LEXUS (FORT WORTH) EWING AUTOHAUS INC LAND ROVER FRISCO (FRISCO) PARK PLACE MOTORCARS (DALLAS) AUTOBAHN MOTORCARS MAC CHURCHILLACURA INC GRUBBS INFINITI MORITZ CADILLAC INC BMW OF DALLAS JAMES WOOD BUICK PONT GM SEWELL VILLAGE CADILLAC VOLVO OF RICHARDSON SEWELL CAD SAAB GRAPEVINE COLE FORD SALES INC OVERSEAS MOTORS LEGACY RIDGE AUTOPLEX

5 Report descriptions Page 4 Dealer average details Gain detailed industry knowledge by viewing the average score information on dealers and the lenders associated with the dealers. This report provides competitive information essential to successful indirect lending programs. Quickly identify not only your lending program by dealer, but also your competitors loan originations by average score. Lender name identifies the name of the lender associated with the vehicle loan. All vehicles average score the average VantageScore for all loans on new and used vehicles sold at the dealership New vehicles average score the average VantageScore for loans on new vehicles sold at the dealership Used vehicles average score the average VantageScore for loans on used vehicles sold at the dealership Dealer Average Details All Vehicles New Vehicles Used Vehicles Dealer Name Lender Name Total Avg Score Avg Score Avg Score AIRPORT SUZUKI AMERICREDIT FINANCIAL SERVICES INC AIRPORT SUZUKI TRIAD FINANCIAL AIRPORT SUZUKI CUSO & CO AIRPORT SUZUKI CREDIT ACCEPTANCE CORP AIRPORT SUZUKI WELLS FARGO AUTO FINANCE AIRPORT SUZUKI CITIFINANCIAL AUTO AIRPORT SUZUKI ONYX ACCEPTANCE CORP AIRPORT SUZUKI CAPITAL ONE AUTO FINANCE AIRPORT SUZUKI SERVICE FINANCE COMPANY LLC AIRPORT SUZUKI Lenders with 3 or less (11) Totals ALAN YOUNG BUICK GMC TRK GMAC ALAN YOUNG BUICK GMC TRK FIRST CLASS AMERICAN CU ALAN YOUNG BUICK GMC TRK CITIZENS AUTO FINANCE ALAN YOUNG BUICK GMC TRK WELLS FARGO AUTO FINANCE ALAN YOUNG BUICK GMC TRK HIBERNIA NATIONAL BANK ALAN YOUNG BUICK GMC TRK HSBC ALAN YOUNG BUICK GMC TRK Lenders with 3 or less (17) Totals ALL STAR FORD MERCURY FORD MOTOR CREDIT ALL STAR FORD MERCURY Lenders with 3 or less (11) Totals ALLEN SAMUELS ALLIANCE DODGE I DAIMLER CHRYSLER FINANCIAL SERVICES ALLEN SAMUELS ALLIANCE DODGE I WELLS FARGOAUTO FINANCE ALLEN SAMUELS ALLIANCE DODGE I OMNIAMERICAN BANK

6 Report descriptions Page 5 Dealer distribution details Drill down into a detailed view of loans by risk tier to gain a competitive advantage in the indirect market. This report shows the distribution of loans by lender, helping you quickly identify your position and that of your competitors by loan intervals. For each dealer, view how the numbers of loans by lenders distribute across customizable risk intervals. Lender name lists the name of the lender involved in the loan transaction. Score intervals customizable down to 20-point distributions and displays the number of consumer loans that fell in each interval Dealer Distribution Details Dealer Name Lender Name Total Avg Score AIRPORT SUZUKI AMERICREDIT FINANCIAL SERVICES INC AIRPORT SUZUKI TRIAD FINANCIAL AIRPORT SUZUKI CUSO & CO AIRPORT SUZUKI CREDIT ACCEPTANCE CORP AIRPORT SUZUKI WELLS FARGO AUTO FINANCE AIRPORT SUZUKI CITIFINANCIAL AUTO AIRPORT SUZUKI ONYX ACCEPTANCE CORP AIRPORT SUZUKI CAPITAL ONE AUTO FINANCE AIRPORT SUZUKI SERVICE FINANCE COMPANY LLC AIRPORT SUZUKI Lenders with 3 or less (11) Totals ALAN YOUNG BUICK GMC TRK GMAC ALAN YOUNG BUICK GMC TRK FIRST CLASS AMERICAN CU ALAN YOUNG BUICK GMC TRK CITIZENS AUTO FINANCE ALAN YOUNG BUICK GMC TRK WELLS FARGO AUTO FINANCE ALAN YOUNG BUICK GMC TRK HIBERNIA NATIONAL BANK ALAN YOUNG BUICK GMC TRK HSBC ALAN YOUNG BUICK GMC TRK Lenders with 3 or less (17) Totals ALL STAR FORD MERCURY FORD MOTOR CREDIT ALL STAR FORD MERCURY Lenders with 3 or less (11) Totals ALLEN SAMUELS ALLIANCE DODGE I DAIMLER CHRYSLER FINANCIAL SERVICES ALLEN SAMUELS ALLIANCE DODGE I WELLS FARGO AUTO FINANCE ALLEN SAMUELS ALLIANCE DODGE I OMNIAMERICAN BANK ALLEN SAMUELS ALLIANCE DODGE I AMERICREDIT FINANCIAL SERVICES INC ALLEN SAMUELS ALLIANCE DODGE I CHASE AUTO FINANCE ALLEN SAMUELS ALLIANCE DODGE I Lenders with 3 or less (10) Totals ALLEN SAMUELS AUTOPLEX DAIMLER CHRYSLER FINANCIAL SERVICES

7 Report descriptions Page 6 Lender average summary Get an at-a-glance review of the average scores on automotive loans originating by lenders. This report reflects the average risk score for new and used automotive loans booked by lenders, providing a quick overview of lender activity. Rank indicates the highest average scores for the lender loan volume. Lender name lists the name of the lender involved in the loan transaction. transactions completed through the lender for the given time period and is based on the number of loans All vehicles average score the average VantageScore for all loans on new and used vehicles booked by the lender New vehicles average score the average VantageScore for loans on new vehicles booked by the lender Used vehicles average score the average VantageScore for loans on used vehicles booked by the lender Lender Average Summary All Vehicles New Vehicles Used Vehicles Rank Lender Name Total Avg Score Avg Score Avg Score 1 SHARE PLUS FCU CORPS OF ENGINEERS EFCU METRO MEDICAL CU SOUTHWEST FINANCIAL FCU FIRST CLASS AMERICAN CU ALCON EFCU PENTAGON FCU UNITED HERITAGE FCU UNITY ONE FCU TEXAS FCU SECURITY ONE FCU VIEWPOINT BANK PORSCHE CREDIT CORP DENTON AREA TEACHERS CU SERVICE 1 FCU MY FCU IBM EFCU LAMAR NATIONAL BANK VOLVO FINANCE

8 Report descriptions Page 7 Lender segment summary View the risk distribution of automotive loans booked by lenders across risk segments. Gain a market advantage by understanding the risk profile of your competitors in the indirect lending market. This report provides information on how the percentage of loans booked by lenders distributes across customizable score segments. Lender name lists the name of the lender involved in the loan transaction. transactions booked by the lender for the given time period and is based on the number of loans where Experian was able to generate a valid VantageScore SM consumer risk score. Percentage of population by segment customized display for the percentage of consumer loans across the lending segments Lender Segment Summary Percentage of Population by Segment Lender Name Total Avg Score Tier F ( ) Tier D ( ) Tier C ( ) Tier B ( ) Tier A ( ) SHARE PLUS FCU % 6.70% 0.00% 26.70% 66.70% CORPS OF ENGINEERS EFCU % 0.00% 0.00% 50.00% 50.00% METRO MEDICAL CU % 0.00% 11.10% 55.60% 33.30% SOUTHWEST FINANCIAL FCU % 0.00% 42.90% 14.30% 42.90% FIRST CLASS AMERICAN CU % 5.00% 32.50% 45.00% 17.50% ALCON EFCU % 18.20% 18.20% 18.20% 45.50% PENTAGON FCU % 7.10% 21.40% 57.10% 14.30% UNITED HERITAGE FCU % 0.00% 50.00% 33.30% 16.70% UNITY ONE FCU % 18.20% 9.10% 36.40% 36.40% TEXAS FCU % 20.00% 10.00% 40.00% 30.00% SECURITY ONE FCU % 9.10% 27.30% 45.50% 18.20% VIEWPOINT BANK % 8.40% 27.10% 49.00% 14.80% PORSCHE CREDIT CORP % 27.30% 18.20% 27.30% 27.30% DENTON AREA TEACHERS CU % 11.40% 27.50% 40.10% 20.40% SERVICE 1 FCU % 6.30% 18.80% 50.00% 18.80% MY FCU % 0.00% 50.00% 25.00% 25.00% IBM EFCU % 20.00% 40.00% 0.00% 40.00% LAMAR NATIONAL BANK % 28.60% 14.30% 14.30% 42.90% VOLVO FINANCE % 20.00% 20.00% 30.00% 30.00% US BANK % 10.40% 28.00% 45.30% 15.60% AMERICAN AIRLINES EFCU % 9.30% 29.70% 41.90% 16.30% PEGASUS CU % 16.70% 16.70% 25.00% 33.30% TEXOMA FCU % 40.00% 0.00% 60.00% 0.00% EECU % 11.90% 34.10% 43.00% 10.40% EDS ECU % 11.10% 18.50% 59.30% 7.40% LAS COLINAS FCU % 5.90% 47.10% 29.40% 17.60% LEXUS FINANCIAL SERVICES % 15.40% 26.40% 35.60% 19.70% TCC CU % 0.00% 62.50% 12.50% 25.00% DELTA COMMUNITY CU % 18.20% 27.30% 45.50% 9.10% NEIGHBORHOOD CU % 12.00% 36.00% 40.00% 12.00% LONESTAR CU % 16.70% 25.00% 44.40% 13.90%

9 Report descriptions Page 8 Lender distribution summary Drill down into a detailed view of how many automotive loans on vehicles booked by lenders fall into customizable score bands. Gain valuable competitive information by understanding the distribution of loans by risk intervals. This report distributes vehicle loans into bands that can be customized into as finite a range as 20-point score intervals for detailed information on the loans booked by lenders. Lender name lists the name of the lender that booked the automotive loan. transactions booked by the lender for the given time period and is based on the number of loans where Experian was able to generate a valid VantageScore SM consumer risk score. Score intervals customizable down to 20-point distributions and displays the number of consumer loans that fell in each interval Lender Distribution Summary Lender Name Total Avg Score SHARE PLUS FCU CORPS OF ENGINEERS EFCU METRO MEDICAL CU SOUTHWEST FINANCIAL FCU FIRST CLASS AMERICAN CU ALCON EFCU PENTAGON FCU UNITED HERITAGE FCU UNITY ONE FCU TEXAS FCU SECURITY ONE FCU VIEWPOINT BANK PORSCHE CREDIT CORP DENTON AREATEACHERS CU SERVICE 1 FCU MY FCU IBM EFCU LAMAR NATIONAL BANK VOLVO FINANCE US BANK AMERICAN AIRLINES EFCU PEGASUS CU TEXOMA FCU EECU EDS ECU LAS COLINAS FCU

10 Report descriptions Page 9 Lender average details Gain detailed industry knowledge by viewing the average scores for loans booked through the dealers used by lenders. This report provides competitive information essential to successful indirect lending programs. Quickly identify not only your market position with your dealers, but also gain insight into the lending programs of your competitors. Lender name lists the name of the lender that booked the automotive loan. All vehicles average score the average VantageScore for all loans on new and used vehicles sold at the dealership New vehicles average score the average VantageScore for loans on new vehicles sold at the dealership Used vehicles average score the average VantageScore for loans on used vehicles sold at the dealership Lender Average Details All Vehicles New Vehicles Used Vehicles Lender Name Dealer Name Total Avg Score Avg Score Avg Score 1ST GARLAND COMMUNITY FCU Dealers with 3 or less (5) Totals TH 3RD BANK BRUCE LOWRIE CHEV INC TH 3RD BANK RANDY HILEY MAZDA/VW TH 3RD BANK NORTH TEXAS NISSAN TH 3RD BANK GREENVILLE PONT-BUIC-GMC TH 3RD BANK REGENCY LINCOLN MERCURY TH 3RD BANK BONHAM CPDJE INC TH 3RD BANK HILEY MAZDA OF HURST TH 3RD BANK PRESTIGE FORD TH 3RD BANK BANKSTON HONDA (LEWISVILLE) TH 3RD BANK Dealers with 3 or less (24) Totals ABILENE TEACHERS FCU Dealers with 3 or less (3) Totals ADVANCIAL FCU Dealers with 3 or less (37) Totals AFFILIATED FINANCE CORP Dealers with 3 or less (3) Totals ALCON EFCU Dealers with 3 or less (10) Totals ALLIANCE BANK Dealers with 3 or less (11)

11 Report descriptions Page 10 Lender distribution details Drill down into a detailed view of loans by risk tier to gain a competitive advantage in the indirect market. This report shows the distribution of loans by dealer for each lender, helping you quickly identify your position and that of your competitors by loan intervals. For each lender, view how the numbers of loans by dealer distribute across customizable risk intervals. Lender name lists the name of the lender that booked the automotive loan. Score intervals customizable down to 20-point distributions and displays the number of consumer loans that fell in each interval Lender Distribution Details Lender Name Dealer Name Total Avg Score ST GARLAND COMMUNITY FCU Dealers with 3 or less (5) Totals TH 3RD BANK BRUCE LOWRIE CHEV INC TH 3RD BANK RANDY HILEY MAZDA/VW TH 3RD BANK NORTH TEXAS NISSAN TH 3RD BANK GREENVILLE PONT-BUIC-GMC TH 3RD BANK REGENCY LINCOLN MERCURY TH 3RD BANK BONHAM CPDJE INC TH 3RD BANK HILEY MAZDA OF HURST TH 3RD BANK PRESTIGE FORD TH 3RD BANK BANKSTON HONDA (LEWISVILLE) TH 3RD BANK Dealers with 3 or less (24) Totals ABILENE TEACHERS FCU Dealers with 3 or less (3) Totals ADVANCIAL FCU Dealers with 3 or less (37) Totals AFFILIATED FINANCE CORP Dealers with 3 or less (3) Totals ALCON EFCU Dealers with 3 or less (10) Totals ALLIANCE BANK Dealers with 3 or less (11) Totals AMERICAN AIRLINES EFCU PARK PLACE LEXUS (GRAPEVINE) Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. VantageScore SM is the trademark of VantageScore Solutions, LLC CS