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Instant Merge Sample Report New Features and Enhancements Key -------------~~~~~~~~ REF:-00000-09-0000 07/0/2006 TID:-00000-09 07/0/2006 CREDCO Instant l'ergecredit Report Acct: 7XX87 Prepared for: INSTANT l'ergesample REPORT Notes: 920 Requested: EFX, XPN, TUC - J Delivered: EFX, TUC, SAMPLE, STEVE Dob: OS/20/62 SAMPLE, SHARON Age 8 Addr: 6 FIRST AMERICAN AVE, TESTSITE, CA 9XX07 Addr: 2 EAGLE ROAD, T0l'0RROW,OR 99XX Possible non-app information present in Fraud Alert, Active Duty Alert present SSN possible ITIN INSTANT l'ergesurl''iary ACCOUNT DISTRIBUTION Account Type Count Real Estate 2 Installment Revolving Other Total 7 AVAILABLE CREDIT Revolving % INQUIRIES 6 l'onthtotal Elim. same day Adjusted Total New Trades (6 mths) 0 Oldest Trd: 0/98 Only Applicant/Co-applicant CURRENT STATUS (tradelines) Payments Curr Clsd Unrt 0 60 90+ $,7 $28 $82 2 $0 $2,22 Balance $77,2 $8,98 $,78 $0 $88,098 ef-------- $76 PUBLIC RECORDS EFX N/A XPN TUC Last 2yrs N On File: 2/9l information HISTORICAL DELINQUENCIES(count) Account Type LastDlq 0 60 Real Estate /0 9 Installment Revolving 0/06 Other 0/06 Total 2 included Available Credit.:. 90+ Lists the available credit for revolving tradelines. in the Summary. BUREAU SCORE INFORl'ATION BEACON.0 (APP)= 6 Factor: 0009 SERIOUS DELINQUENCY 000 DELINQUENCY IS TOO RECENT OR UNKNOWN 000 AMOUNT OWED ON DELINQUENT ACCOUNTS 0008 NUl'BEROF ACCOUNTS WITH DELINQUENCY * Number of Inquiries Adversely Affected the Score EFX BEACON Not provided.0 by the repository Applicant Identifier TUC FICO Classic 98 l'atchnot found APP = Applicant/Subject CAP = Co-Applicant Page of 6 consistent across all report sections..:. Your account profile will determine whether this feature appears on your Instant Merge Report. DataHQ F format sample (rev. 0-07)

Fir.;! American Ci?FIH'O REF:-00000-0S9-0000 07/0/2006 TID:-00000-0S9 07/0/2006 ::00 Open High Payment Past due MR Last Balance MOP Status Rptd 0 60 90+ MD MxDq Joint Accounts: COUNTR~NIDE HOME LOANS/S629 (EFX-80XX009,XPN,TUC) 0-02 0000 29 7906 M- CURRENT 0-06 00 00 00 Hist: 0-06 Ctgy: HOME EQUITY LOAN PYMT 0-06 JNT Accounts Under Applicant: ~WFS FINANCIAL/S27007 (EFX,XPN-FXX828796,TUC) I 0-0 276 28 898 I-I CURRENT 0-06 Hist: 0-06 PYMT 0-06 APP Ctgy: AUTO LOAN Term: 6 MON Lmt: 000 "- ~ Accounts Under Co-Applicant: DISCOVER FINANCIAL SVC/6009808 (EFX-SXXB077,XPN,TUC) 02-02 ~~~2~7 9~ ~9~9~6~R- CURRENT 06-06 00 2 Rist: 06-06 LACT 0-06 PYMT 06-06 Sequencing.. :. Tradelines can be numerically sequenced for ease of use and better customer support Sequencing does not cross reference to any other information within the report. Page 2 of 6 Page numbering system consistent across all report sections..:. Your account profile will determine whether this feature appears on your Instant Merge Report. OataHQFformat sample (rev. 0-07)

Firsl Amr;r;Cdll CJ;,'I txo REF:-00000-09-0000 07/0/2006 TID:-00000-09 07/0/2006 ::00 ****** DEROGATORY ITEMS ****** Open High Payment Past due MR Last Balance MOP Status Rptd 0 60 90+ MD MxDlq Joint Accounts: OF AMERICA MORTGA/06968 (EFX*,XPN-FPXX8600*,TUC*) 07-0 7286 26 99 M-2 DEL 0 06-06 09 0 00-06-06 222222222 PYMT 06-06 JNT lx60:-0 ; 9x0:6-06,-06,2-0,0-0,9-0,6-0,2-0,0-0,9-0 CHEVRON U S A/700 (EFX-9060C0002*,XPN*,TUC*) S 0-98 860 0 CLOSED R- DEL 20 0-06 0 02 02 86 0-06 0-06 2 Lates: 2x90+:-06,-06 ; 2x60:-06,2-06 ACCT SUBMITTED TO COLLECTION; PAID COLL CREDIT CARD GRANT & WEBER/G800CAL776 I 0-0 20 N/A Hist: 0-06 999 Lates: CN: CALIFORNIA PACIFIC ACCT SUBMITTED TO COLLECTION COLI, 0-06 CLSD 0-06 JNT lx0:--06 0-06 History Section (XPN-YC980206*) 20 Y-9 COLL/P&L 0-06 Indicates month-to-month payment history pattern PYMT 0-06 APP CN: Creditor Name More detailed creditor Information for collection accounts Maximum Delinquency Section.:. Shows the maximum delinquency information that occurred on this tradeline. information reported for up to seven years. Accounts Under Applicant: FNANB/CIRCUIT CITY/200866 (EFX-0HZ006*,XPN*,TUC*) I 06-02 86 72 R-l CURRENT 06-06 02 0 02 Hist: 06-06 22 PYMT 06-06 APP Lates: 2x90+:-0,-0; lx60:-0 2x0:2-0,2-0 REFER TO CONSUMER STATEMENT CREDIT CARD 8 0-0 0-0 Public Record Public Records may contain duplicate information. This report displays all information reported by the repositories accessed.. CH7 BANKRUPTCY FILED IN 02-02 JOINTLY; STATUS DISCHARGED 06-02; REPORTED 02-02; FEDERAL DISTRICT COURT (LOS ANGELES, CA); DK: 97982. (EFX-VF000, TUC) (JNT) ****** END OF DEROGATORY ITEMS ****** Page of 6 consistent across all report sections..:. Your account profile will determine whether this feature appears on your Instant Merge Report. DataHQFformat sample (rev. 0-07)

FiT'$! American CRI-t>t:O REF:-00000-09-0000 07/0/2006 TID:-00000-09 07/0/2006 ::00 Open High Payment Past due MR Last Balance MOP Status Rptd 0 60 90+ MD MxDlq Possible Non-Applicant Accounts: GMAC/Ac862 (EFX-F06XX2) I -0 600 6 Hist: 07-06 - 8 I-I CURRENT 07-06 00 00 00 9 *PNA* 0 Identification Note: * Indicates Possible Non-Applicant Information. SAMPLE, STEVE Ssn: 9-72- Dob: 07-0-62 (EFX) 2. SAMPLE, STEVE Ssn: 9-72- (XPN). SAMPLE, STEVE Ssn: 9-72- Dob: 07-0-62 (TUC) SAMPLE, SHARON L Ssn: --2222 Dob: 0-0-6 (TUC) SAMPLE, STEFAN Ssn: -22-9 Dob: 07--7 (EFX) NAME AND SSN VARIATION; DOB VARIATION... Inquiries made in last 6 months:. 07-0-06 FAC TEST (TUC-082XX89Z) (APP) 2. 07-0-06 NORWEST-RELS (XPN-97XX6FR) (APP). 0-0-06 AMERICAN EXPRESS (XPN-700XXONZ) (APP) * New Account Listed with AMERICAN EXPRESS in 0-06. 02-27-06 VENGROFF WILLIAMS & AS (XPN-9XX062YC) (CAP). 02--06 LENDERS CRDT (TUC-07XX7Z) (APP) Address. 6 FIRST AMERICAN AVE TESTSITE, CA 9XX07 AKA. SAMPLE, STEVE P (XPN) (APP) 2. SAMPLE, SHARON J (XPN) (CAP) Employment. BERLIN TIRE OCCUPATION UNKNOWN Rptd 0-00 (TUC) (APP) 2. ACME FINANCE TESTVILL, CA VICE PRESIDENT Rptd 0-0 (XPN) (CAP) Employment Information Employment Information can also Include a hire date If reported by the bureau Page of 6 consistent across all report sections..:. Your account profile will determine whether this feature appears on your Instant Merge Report. OataHQFformat sample (rev. 0-07)

REF:-00000-09-0000 07/0/2006 TID:-00000-09 07/0/2006 ::00 Miscellaneous Alert details. Consumer has Active Duty Alert. (XPN) (CAP) 2. Consumer has Initial Fraud Alert. (TUC) (CAP). Variation between Inquiry and Onfile address. (TUC) (CAP) Consumer Statement: ~.. ACTIVE DUTY ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. 2 EAGLE ROAD, TOMORROW, OR 9900 DAYTIME 77099922 EVENING 770888 Rptd 02-0 (EFX) (APP) FACT Act Alert specific details will be displayed in either the Miscellaneous Information or the Consumer Statement section depending on the bureau. Consumer statement details may vary by the consumer and the reporting bureau. 2. FRAUD VICTHL "EXTENDED ALERT". CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. PAGER 770. Rptd 0-0 (EFX) (CAP). ACCOUNT WENT TO A DELINQUENT STATUS WHILE I WAS OUT OF THE COUNTRY. Rptd 0-0 (XPN) (CAP). 26& 0-22-0 000000 0 SECURITY ALERT: FRAUDLENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. THIS ALERT WILL BE MAINTAINED ON FILE FOR 90 DAYS BEGINNING OS/22/0. Rptd 0/0 (XPN) (APP). #HK#IFCRA-INITIAL FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT (2)-22 Rptd 0-0 (TUC) (APP) 6. #HK# 0 FRAUD VICTIM ALERT. FRAUDULENT APPLICATION MAY BE SUBMITTED IN MY NAME USING CORRECT PERSONAL INFORMATION. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICANT INFORMATION. CONTACT CONSUMER AT (2)-22 Rptd 0-0 (TUC) (APP) 7. MY PAYCHECK WAS DELAYED BY 6 WEEKS AND THEREFORE I COULD NOT PAY THE GAS CARD ON TIME. Rptd 0-0 (TUC) (CAP) Decode Directory. A F S C I (XPN-60) (0)70-8 708 HAWTHORNE BLVD TORRANCE CA 900 2. A F S C I (TUC-086XX0FR) (800)77-800 708 HAWTHORNE BOULEVARD TORRANCE CA 900 Fraud Verification EFX SAFESCAN (APP) SAFESCANNED: YOUR INQUIRY HAS GONE THROUGH OUR SAFESCAN DATA BASE; SSN ISSUED 969 IN HI. EFX SAFESCAN (CAP) Not provided by the repository. TUC HAWK (PNA) SUB-SEGMENT DATA ONLY; SINCE 0-07-2006 THE SSN HAS BEEN USED TIMES IN OTHER INQUIRIES; TUC HRFA (APP) AVAILABLE AND CLEAR TUC HRFA (CAP) Match not found Page of 6 consistent across all report sections..:- Your account profile will determine whether this feature appears on your Instant Merge Report. DataHQFl format sample (rev. 0-07)

Firsl American C~U)('o REF:-00000-09-0000 07/0/2006 TID:-00000-09 07/0/2006 ::00 Consumer Referral EFX - EQUIFAX INFORMATION SVCS, PHONE: (800) 68- P.O. BOX 702, ATLANTA, GA 07 XPN - EXPERIAN, PHONE: (888) 97-72 P.O. BOX 2002, ALLEN, TX 70 TUC - TRANSUNION, PHONE: (800) 888-2 2 BALDWIN PLACE, PO BOX 000, CHESTER, PA 9022 Error Information.:. Error If there are any issues with processing this report, special messages regarding the state of the file will appear in this section. It will include a generic text. TUC DATA UNAVAILABLE. (TUC-E02, TUC-E60) message (i.e., applicant file frozen, possible incomplete data, etc.), as well as corresponding specific error codes (i.e., missing information, Prepared By: First American CREDCO invalid subscriber code. etc.).. 29 First American Way, Suite 200 Poway, CA 9206-09 Contact Phone: (800)00-02 Fax: (800) 98-7200 This report contains information supplied by the repositories named above. Its contents have not been verified by First American CREDCO and may contain duplicate information. While this report is being used for some real estate lending purposes, it is not a Residential Mortgage Credit Report as defined by FNMA, FHLMC, and FHA/VA guidelines. ****** END OF INSTANT MERGE REPORT ****** consistent across all report sections..:. Your account profile will determine whether this feature appears on your Instant Merge Report. DataHQ Fformat sample (rev. 0-07)

Instant Merge Sample Report Tradeline Key Open High Payment Balance MOP Status Rptd Past due 0 60 90+ MR MD Last MxDlq BANK OF AMERICA MORTGA/000726 (EFX* XPN-FPXX8600*, TUC*) 2 6 7 8 9 J 07-0 7286 26 99 M-2 DEL 0 06-06 07 02 06 9 06-06 2 0 Hist: 06-06 226622222 PYMT 06-06 JNT 6 02-06 Ctgy: REAL ESTATE Term: 0 YRS Lmt: 7,000 Lates: 6x90+:2-06,-06,2-0,-0,0-0,9-0; 2x60:8-0,-0; 7x0:6-06,ADDTNL LATES 6 BLON 0-00 LACT 06-06 PYMT 06-06 2 The SOURCES for each tradeline, with the subscriber code provided from the most recently reported repository. An asterisk (*) indicates which repository reported derogatory information. EFX = Equifax; XPN = Experian; TUC = TransUnion. ECOA code indicates who is responsible for each account and the type of participation for that account, as follows: U UNDESIGNATED I INDIVIDUAL J JOINT A AUTHORIZED USER S C B SHARED CO-MAKER CO-SIGNER M MAKER T TERMINATED X DECEASED Not designated by the creditor Individual account Joint account Authorized to use someone else's account Joint account Joint responsibility for the account Responsibility only in case of default on the account Individual account Closed account Deceased individual PYMT displays the monthly liability on each account. BALANCE displays the total liability on each account. MOP (Method of Payment) and STATUS use the "Universal Rating Code" with English translation of the current status of the account as of the date reported. MOP Codes Account type: R Revolving o Open, 0 days C Line of Credit I Installment M Mortgage Y Extemal Collection 6 RPTD displays the date the account was reported by the creditor. 7 PAST DUE displays the number of times the account has been 0, 60, or 90+ days past due within the last seven years. 8 MR (Months Reviewed) is the number of months of payment history reported by the repositories. LAST DLQ displays the date of the most recent delinquency, if 9 reported by the creditor. 0 HIST (Historical Payment Pattern) indicates month to month payment history with the most recent date reported at the left. If reported, displays up to the last 2 months. For numbers other than, refer to "Universal Rating Code." A dash (-) means not reported that month. Applicant Identifier. Identifies the owner of an account by (JNT) joint, (APP) applicant/subject, (CAP) co-applicant, or (*PNN) possible non-applicant. 2 MD (Maximum Delinquency) displays the most severe delinquency for the account by MOP code up to 6. MAX DLQ (Maximum Delinquency Date) displays the date of the most severe delinquency. Universal Rating Code: o Too new to rate Current 2 0 days late 60 days late 90 days late 20 days late 6 0 days late 7 Wage Earner Plan or Bankruptcy 8 Repossession or Foreclosure 9 Collection or Charge-off U Unrated English Translation: CURRENT CURRENT DEL 0 DEL 60 DEL 90 DEL 20 DEL 0 WEP/BKRP REPO/FCL COLUP&L UNRATED CTGY, TERM, LMT displays the category of loan, the terms of the loan and its credit limit. 6 LATES displays more detailed information on the late payments that have occurred with this tradeline. ADDITIONAL DATES and amounts posted for specific categories like balloon, bankruptcy, dosed, last activity, payment, foreciosure, and repossession. This sample report contains compiled data in order to showcase a wide variety of format features. Therefore, data content represented within this report mav not be consistent across all report sections..:. Your account profile will determine whether this feature appears on your Instant Merge Report. DataHQ F Format Sample Key (rev. 0-07)