PIN Navigator Overview 1 PIN Navigator background Delivers

PIN Navigator Overview 1

PIN Navigator : background § Delivers PIN data on key finance, vehicle, and dealer information along with the customer’s credit score (available at the time of the transaction) to financial institutions on a weekly basis via a web portal § Together with the data PIN currently collects, the credit score information enables finance institutions to monitor all components of the consumer deal within a risk context § Data is accessed though a series of report formats that can be populated with data on demand based on the user’s selection criteria § Combines weighted new and used vehicle transaction data; weighting based on vehicle registration data § At initial product launch, PIN Navigator will be populated with data going back to January 2004; Additional historical data will be added over time to increase the amount of trending that can be extracted. § Available - Fall 2004 2

Web Based data base 3

36 US markets – 5 in Canada

Variables Available in PIN Navigator Vehicle Provider Transaction n Make n Manufacturer n Model n Provider Name n Model Year n Provider Segment n n Nameplate n Provider Sub n Origin Segment n n n Vehicle Segment n n Vehicle Sub n Segment n n Vehicle Super Segment n Provider Market n Share n n n Amount Financed - Loan APR/IRR Buy Rate Cap reduction - Lease Credit Score Credit Tier Customer Cash Rebate Finance Reserve Amt. Lease Residual Loan-To-Cost Loan-To-Value Monthly Payment Percent Financed Spread Term Total Down Transaction Type of Sale Vehicle Price Note: Variables highlighted in red are unique to PIN Navigator 5 Dealer § Finance Reserve Penetration § § Market Location Total PIN F&I Income (PVR) § § § Vehicle Cost Vehicle Gross Vehicle Profit Margin

PIN Navigator Portal Provides Easy Access To Reports and Information - Data Updated Weekly Favorite/Recent Reports Stores and Recalls Frequently-Used and Recently-Run Reports Client Dashboard Provides a Quick Summary of Buy Rates for New and Used Vehicles Across Credit Tiers Account Info. Manage Users, Define Variables (e. g. , Credit Tiers, Contract Term, Create Provider Aggregates) 6 Powergram Reports Access Report Formats Within Tool Daily News Summary of Relevant Information for Auto and Auto Finance Industries

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

PIN Navigator Framework - Select Report Measure, Columns, Rows and Filters Report Measure Variable Selected to Populate Report Columns and Rows Variables Selected to Display Measure Variable Filters Defines the Universe for the Report 8

PIN Navigator Report Output Examples – Rate by Credit Tier 9

PIN Navigator Report Output Examples – Region penetration% 10

PIN Navigator Report Output Examples – Buy Rate by week 11

PIN Navigator Report Output Examples – Car category by Bank 12

PIN Navigator Report Output Examples – Bank profile – multiple 13