Company Overview

Experian unlocks the power of data to create opportunities for consumers, businesses and society. At life’s big moments – from buying a home or car, to sending a child to college, to growing a business exponentially by connecting it with new customers – we empower consumers and our clients to manage their data with confidence so they can maximize every opportunity.

We gather, analyze and process data in ways others can’t. We help individuals take financial control and access financial services, businesses make smarter decision and thrive, lenders lend more responsibly, and organizations prevent identity fraud and crime.

For more than 125 years, we’ve helped consumers and clients prosper, and economies and communities flourish – and we’re not done.

Our 17,000 people in 37 countries believe the possibilities for you, and our world, are growing. We’re investing in new technologies, talented people and innovation so we can help create a better tomorrow.

Learn more at www.experianplc.com.

Data Collection Methodology

Experian’s marketing database, ConsumerView, has been developed for marketing purposes utilizing marketing data. Marketing data means actual or inferred information consistent with a person’s commercial or charitable inquiry or transaction, or market research/market survey information. Such information can be derived from either a direct contact or marketing partnership when linked to a person’s name, postal or email address, telephone number, or any other personally identifiable

Marketing purpose means any activity undertaken to collect, aggregate, analyze, maintain, update, or sell information in order to allow or induce consumers to purchase, rent or exchange products, property or services; to solicit a charitable donation; to utilize market research or market surveys; or to provide verification services to marketers.

Experian draws on five decades of experience providing organizations with marketing products, services and insights derived from consumer information. Experian maintains and analyzes information about consumer buying decisions and collects consumer information from original sources. These sources include self-reported consumer survey information, aggregated consumer panel data, websites that have permission to share information about visitors, public records and historical retail purchases. Experian also has consumer information that is inferred from other data using statistical analysis.

The common types of consumer information Experian maintains are listed below, with examples from these general categories:

• Demographics — age, gender, marital status, income, occupation and education
  Behavioral and lifestyle — hobbies, sporting activities, travel preferences, high-tech equipment users and purchasing behavior
• Census — median age, wealth rating and median income
• Realty — information from local property records like dwelling unit type, purchase price, mortgage amount, loan type and date, and property characteristics
• Life events — consumers who have recently moved, purchased a home or are a new parent

Individual level includes:

• Gender
• Marital status
• Estimated age range
• Occupation
• Education level
• Ethnicity
• Person status (primary decision maker, elderly parent, young adult)

Household level includes:

• Dwelling type and size
• Homeowner or renter
• Estimated current home value Length of residence
• New homeowner, new mover, new parent
• Number of adults, number of children
• Telephone number
• Presence of children by age ranges
• Estimated household income
• Lifestyle interests

OmniActivation | Version 1.0 | Page 4

Geographic level includes:

Census attributes

Premier Summarized Credit Statistics

Automotive Market Statistics

What sources does Experian use when compiling ConsumerView?

ConsumerView is built directly from over hundreds of public and proprietary sources including:

• Aggregated credit information
• Aggregated motor vehicle information
• Census data
• Deceased (primary from Social Security Death Master file)
• Public records, both state and local
• Property/realty records such as property deeds
• Proprietary change of address/ newmovers
• Survey data (self-reported)
• Transactional data
• Other proprietary sources

Types of Data Sets Available

• Auto
• Business
• Demographics
• Ethnic Insight
• Financial
• Financial – Analytics IQ
• Financial – FMCG Direct
• Housing Attributes
• Life Event
• Lifestyle and Interests
• Mosaic
• Past Purchase
• Psychographic/Attitudes
• Purchase Predictors
• Social Network Behavior
• TrueTouch