Glossary of account conditions and payment status Version 8 — Numeric = Experian” This glossary is for interpreting data on the Credit Profile Report from Experian. For information on how to report data, please refer to the Credit Reporting Resource Guide (CRRG) developed by the Consumer Data Industry Association. Account conditions Code Account Explanation Code Account Explanation condition condition A BK7PET Petitioned for Chapter 7 bankruptcy x BK12RESC Reaffirmation of debt rescinded B BKIIPET Petitioned for Chapter 11 Chapter 12 bankruptcy bankruptcy Y BKI3RESC Reaffirmation of debt rescinded C BKI2PET _Petitioned for Chapter 12 Chapter 13 bankruptcy bankruptcy Al OPEN Open account D BK13PET Petitioned for Chapter 13 A2 PAID Paid account/Zero balance bankruptcy AS CLOSED Closed account E BK7DISC Discharged through Chapter 7 bankruptcy F BKMDISC Discharged through Ad INACTIVE Inactive account 03 CRCDLOST Credit card lost or stolen Chapter 11 bankruptcy 0% TRANSFER Account transferred to G BKI2DISC__ Discharged through apotherotiice Chapter 12 bankruptcy 10 REFINANC Account renewed or refinanced H BKI3DISC Discharged through 21* DECEASED Consumer reported as deceased Chapter 13 bankruptcy 66* PDBYDLER Credit grantor paid by the company 1 BKIDISM Dismissed Chapter 7 bankruptcy that originally sold the merchandise J BK11DISM = Dismissed Chapter 11 bankruptcy 67 BKLIQREO Debt included in or discharged oo through Chapter 7, 11 or 12 K ~=BKI12DISM Dismissed Chapter 12 bankruptcy oe ptcy P Is BKISDISM Dismissed Chapter 13 bankruptcy 68 SETTLED = Account legally paid in full for less M BK7W/D Withdrawn Chapter 7 bankruptcy than the full balance N BKI1IW/D Withdrawn Chapter 11 bankruptcy 6 BKADJPLN Debt included in or discharged ° BK12W/D Withdrawn Chapter 12 bankruptcy through Chapter 13 bankruptcy P BK13W/D Withdrawn Chapter 13 bankruptcy % SCNLLOC Consumer now located/Was credit grantor could not locate consumer R BKREAFF i i Reatfirmation of debt 87* FOREPROC Foreclosure proceeding started V BKIRESC ss Reatfirmation of debt rescinded #8* = GOVCLAIM Claim filed with government for Chapter 7 bankruptcy insured portion of balance on loan BKIIRESC — Reaffirmation of debt rescinded Chapter 11 bankruptcy *An asterisk indicates there may be a need for further review. EFTA00091706

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Account conditions (continued) Code Account condition & DEEDLIEU Explanation a defaulted mortgage 91* TRMDFALT Early termination by default of original terms of lease or sales contract $2 INSCLAIM of the balance 9$3* COLLACCT Account seriously past due/Account assigned to attorney, collection agency or credit grantor's internal collections department “An asterisk indicates there may be a need for further review. Display This is a sample of how trades display: Account condition and payment status OPEN CUR WAS 30 COLL ACCT Two account conditions PAID COLL ACCT Account condition only Delinquency counters 30/60/90 +/DEROG 30 60 Number of times 30 days delinquent Number of times 60 days delinquent 90 = Number of times 90+ days delinquent DEROG = Number of times derogatory (greater than 180 days delinquent) Terms frequency = Deferred = Single-payment loan = Weekly = Biweekly = Semimonthly Bimonthly = Quarterly = Triannually = Semiannually <W®HAOrFMOSE V " = Annually Credit grantor received deed for collateral in lieu of foreclosure on Claim filed for insured portion Code Account o4* Explanation condition FORECLOS Credit grantor reclaimed collateral to settle defaulted mortgage VOLUSURR Voluntary surrender REPOSSES Merchandise was taken back by credit grantor/There may be a balance due CHARGOFF Unpaid balance reported as a loss SCNL Credit grantor cannot locate consumer Payment amount types E Ss A Estimated Scheduled Actual 25-month payment history Cc = -_ iT] oon ow FF WB ND " - xo Tra I Current 30 days past due date 60 days past due date 90 days past due date 120 days past due date 150 days past due date 180 days or more past due date 69, D, H,Y 42, 87, 89, 94, 95, 96 66, 67, 86, 88, 91, 92, 93, 97, A, B, C, E, F, G, VW, X Current account/Zero balance — no update received for this trade Current with zero balance reported on tape No history reported that month Account condition change/Payment code is not applicable Collection Foreclosure Voluntary surrender Repossession Charge-otf EFTA00091707

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Payment status Code NO STATUS CUR WAS 60-2 CUR WAS 60-3 CUR WAS 60-4+ CURR ACCT CUR WAS 90-2 CUR WAS 90-3+ CUR WAS 120-2+ CUR WAS 150-2+ 602TIMES 603 TIMES 604+ TIMES 902TIMES 903+ TIMES 120 2+ TIMES 150 2+ TIMES 90 WAS 120+ CUR WAS 30 CUR WAS 30-2 CUR WAS 30-3 CUR WAS 30-4 CUR WAS 30-5 CUR WAS 30-6+ Payment status Explanation No status Current account/Was 60 days past due date two times Current account/Was 60 days past due date three times Current account/Was 60 days past due date four or more times Account in good standing Current account/Was 90 days past due date two times Current account/Was 90 days past due date three or more times Current account/Was 120 days past due date two or more times Current account/Was 150 days past due date two or more times Account 60 days past due date two times Account 60 days past due date three times Account 60 days past due date four or more times Account 90 days past due date two times Account 90 days past due date three or more times Account 120 days past due date two or more times Account 150 days past due date two or more times Account 90 days past due date/was 120 days or more past due date Current account/Was 30 days past due date Current account/Was 30 days past due date two times Current account/Was 30 days past due date three times Current account/Was 30 days past due date four times Current account/Was 30 days past due date five times Current account/Was 30 days past due date six or more times “An asterisk indicates there may be a need for further review. Code Payment status CUR WAS 60 CUR WAS 90 CUR WAS 120 CUR WAS 150 CUR WAS 180 REDEEMD REPO CUR WAS COLL CUR WAS FORE 30 DAY DEL 32TIMES 303 TIMES 304TIMES 305TIMES 306+ TIMES 30 WAS 60 DELINQ 60 DEL WAS 90 DELINQ 90 DEL WAS 120+ DELINQ 120 DELINQ 150 DELINQ 180 COFF NOW PAY Explanation Current account/Was 60 days past due date Current account/Was 90 days past due date Current account/Was 120 days past due date Current account/Was 150 days past due date Current account/Was 180 days past due date Account now redeemed/was a repossession Current account/Was a collection account, an insurance claim or a government claim or was terminated for default Current account/Foreclosure was started Account 30 days past due date Account 30 days past due date two times Account 30 days past due date three times Account 30 days past due date four times Account 30 days past due date five times Account 30 days past due date six or more times Account 30 days past due date/ was 60 days past due date Account 60 days past due date Account 30 or 60 days past due date/was 90 days past due date Account 90 days past due date Account 30 or 60 days past due date/was 120 days or more past due date Account 120 days past due date Account 150 days past due date Account 180 days past due date Now paying/Was a charge-off EFTA00091708

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Purpose type of account Short name AUT UNS SEC P/S H/I FHA Isc CHG R/E sco TSL Fco NCP CSL Fsc BUS REC EDU LEA cos cic F/C M/H cRC R/F LPI LBP PHG NTE NCS HHG H+O Explanation Auto loan Unsecured loan Secured loan Partially secured loan Home-improvement loan FHA home- improvement loan Installment sales contract Revolving charge account Real estate, unknown type, terms in years Loan secured by cosigner Time-share loan Factoring company Subscriber numeric inquiry Construction loan — new Flexible spending credit card Commercial transaction with personal liability, guarantee or written instruction Recreational merchandise loan Educational loan Lease Cosigner (not borrower) Check credit or line of credit FHA cosigner (not borrower) Manufactured home Credit card FHA mortgage (terms in years) Lender-placed insurance Legitimate business purpose Purchase of household goods Note loan Note loan with cosigner Secured by household goods Secured by household goods/other collateral code Short name RIV R/C R/O REN scc SUM UNK EXM ccP AUL Lic pic cLs cOoL CEL Txc F/S R/S CSA UGL SGL UDL SDL Explanation VA real-estate mortgage (terms in years) Conventional real-estate mortgage, including purchase money and first mortgage (terms in years) Real-estate mortgage (terms in months), with or without collateral (usually second mortgage) Rental agreement Secured credit card (revolving terms) Real-estate mortgage, Farmers Home Administration (FMHA) (terms in years) Summary of accounts — same status Unknown — extension of credit, review or collection Manual mortgage (4999) Combined credit plan, revolving account Auto lease Government/State licensing Debit card Credit line secured, revolving Collection deptartment/ attorney/agency Cellular phone Tax collection (CA SB168) Family support Real estate — junior liens and nonpurchase money tirst (terms in years) Second mortgage — terms in months Checking or savings — possible additional offers Government-guaranteed unsecured loan Government-guaranteed secured loan Government-direct unsecured loan Government-direct secured loan Short le name G/G ciIL c/M CGA GMD G/B RCK yL cL BMP MRI SMP CKG c/G SHI BPG Explanation Government grant Commercial installment loan Commercial mortgage — terms in years Credit granting — possible additional offers Home equity Government overpayment Government fine Government fee for service Government employee advance Government miscellaneous debt Government benefit Returned check Installment loan Commercial line of credit (revolving terms) Agriculture Service activation — possible additional offers Prescreen/Extract post- prescreen inquiry Bimonthly mortgage payment (terms in years) Automated mortgage report Semimonthly mortgage payment (terms in years) Home-equity line of credit (revolving terms) Business credit card (revolving terms) Deposit-related Medical debt Debt consolidation Utility company Child support Spouse support Attorney fees Checking account Credit granting Secured home improvement Business line personally guaranteed EFTA00091709

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ECOA codes with definitions Association with account currently active Association terminated as of date reported X Deceased: This individual has been reported as deceased. There may or may not be other people associated with this account. Undesignated: Reported by Experian only. Individual: This individual has contractual responsibility for this account and is primarily responsible for its payment. Termination code H is to be used only in cases of mortgage loans being assumed by others. Joint account — contractual responsibility: This individual is expressly obligated to repay all debts arising on this account by reason of having signed an agreement to that effect. There are other people associated with this account who may or may not have contractual responsibility. Authorized user: This individual is an authorized user of this account; another individual has contractual responsibility. Joint account: This individual participates in this account. The association cannot be distinguished between joint account — contractual responsibility or authorized user. Cosigner: This individual has guaranteed this account and assumes responsibility should signer default. This code is to be used only in conjunction with code 7 signer. On behalf of: This individual has signed an application for the purpose of securing credit for another individual, other than spouse. Signer: This individual is responsible for this account, which is guaranteed by a cosigner. This code is to be used in lieu of codes 2 and 3 when there is a code 5 cosigner. Business/Commercial: This association code is used to identify that the company reported in the name field is associated with the account. Public record glossary Account Explanation conditions BKT7-PETIT Petition Chapter 7 bankruptcy (liquidation) BK 7-DISCHG Discharged Chapter 7 bankruptcy (liquidation) BK7-DISMIS Dismissed Chapter 7 bankruptcy (liquidation) BK 11-PETIT Petition Chapter 11 bankruptcy (reorganization) BK 11-DISCHG Discharged Chapter 11 bankruptcy (reorganization) BK 11-DISMIS Dismissed Chapter 11 bankruptcy (reorganization) BK 12-PETIT Petition Chapter 12 bankruptcy (adjustment of debt — family farmer) BK 12-DISCHG Discharged after completion Chapter 12 bankruptcy (adjustment of debt — family farmer) BK 12-DISMIS. Dismissed Chapter 12 bankruptcy (adjustment of debt — family farmer) BK 13-PETIT Petition Chapter 13 bankruptcy (adjustment of debt) BK 13-DISCHG Discharged/Completed Chapter 13 bankruptcy (adjustment of debt) BK 13-DISMIS Dismissed Chapter 13 bankruptcy (adjustment of debt) CHSUPJUDG = Child support delinquency judgment CHSUPSATIS § Child support delinquency judgment satisfied ciV CL JUDG Civil claim judgment CIV CL SATIS Civil claim judgment satisfied CIVCLVACAT Civil claim judgment vacated either before or after it has been satisfied FED TAX LIEN Federal tax lien FED TAX REL Federal tax lien released SMCLJUDGMT Small-claims judgment SM CL SATIS Small-claims judgment satistied SM CLVACAT Small-claims judgment vacated either before or after it has been satisfied STATETXLN State tax lien STATETXREL State tax lien released SUITDISMISS = Suit dismissed or discontinued SUIT FILED Suit filed EFTA00091710

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Kind of business codes Auto rental Auto leasing Farm implement dealers Truck dealers Automobile dealers, new Automotive parts Auto repair, body shops Service stations TBA stores, tire dealers Automobile dealers, used Automotive — nonspecific All banks — nonspecific Bank credit cards Bank — installment loans Bank — mortgage department Industrial bank Co-op bank Savings bank General clothing store Specialty clothing store Clothing store — nonspecific Complete department stores Variety stores Department and variety stores — nonspecific Business education Colleges Student loans Technical education Universities Vocational and trade schools Education — nonspecific Auto financing companies Mortgage brokers Credit unions Bail bonds Sales financing companies Investment firms Savings and loans — mortgage Mortgage companies Personal loan companies Mortgage reporters Savings and loan companies Investment securities Bulk purchase finance Bulk purchase finance — general Miscellaneous loan broker Finance companies — nonspecific Dairies Neighborhood grocers Supermarkets Groceries — nonspecific Appliance sales and service Carpets and floor coverings Interior decorators/designers Home furnishing stores Music and record stores Furniture rentals TV and radio sales and service Home furnishings — nonspecific General insurance Life insurance Insurance — nonspecific Jewelers Computer sales and service Videotape rental and sales Jewelry/Cameras and computers — nonspecific General contractors Home-improvement contractor Subcontractors Contractors — nonspecific Air conditioning/heat/plumbing/ electrical sales Fixture and cabinet suppliers Paint, glass, wallpaper store Lumber/Building material/ Hardware — nonspecific Animal hospitals Dentists Chiropractors Doctors Funeral homes Medical group Hospitals and clinics Cemeteries Osteopaths Pharmacies and drugstores Optometrists and optical outlets Veterinarians Medical and related health — nonspecific Airlines Credit card — department store Credit card — finance company Credit card — savings and loan Credit card — credit union National credit card/airlines — nonspecific Oil company credit cards Oil companies — nonspecific Accountants and related services Barber and beauty shops Equipment leasing Dry cleaning/Laundry/related Engineering/all kinds Florists Photographers Health and fitness clubs Detective service EFTA00091711

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Legal and related services Check-cashing services Restaurants/Concessions Pest control Country clubs Employment screening Personal service (nonmedical) — nonspecific Mail-order houses — nonspecific Apartments Office leasing Mobile home dealers Real-estate sales and rentals Hotels Motels Mobile home park Property and property management company Real-estate/public accommodations — nonspecific Aircraft sales and service Boats and marinas sales and service Motorcycles and bicycles sales and service Sporting goods — nonspecific Farm chemicals and fertilizer stores Feed and feed stores Nursery and landscaping Farm and garden supplies/ services — nonspecific Water utilities/Bottled water CableTV providers Garbage and rubbish disposal Electric light and power company Fuel oil distributors Gas company, natural and bottled Coal and wood suppliers Long-distance phone company Online/Internet services Cellular and paging services Waste recycling/handlers SatelliteT V/Direct broadcast providers Local telephone service provider Home security company Wireless telephone service provider Utilities and fuel — nonspecific City and county Federal government Child support services Law enforcement State government Court codes Government — nonspecific Automotive supplies Building supplies/Hardware Clothing and dry goods Drugs, chemicals and related goods Wholesale grocery and related products Home furnishings Machinery, equipment supplies Credit card processors Wholesale — nonspecific Direct-mail list services List processing vendors Media Advertising — nonspecific Collection department — ACB credit bureau Collection department — bank Other collection agencies Collection department — department store Collection department — loan company Collections attorney Repossession company Collections — nonspecific Auto reseller Credit report brokers Credit reporting agencies Direct-to-consumer reseller Employment reseller Finance reseller Insurance reseller Leasing and rental reseller Manufacturing Personal service reseller Retail not elsewhere classified Services not elsewhere classified Tenant screeners reseller Wholesale not elsewhere classified Collection reseller All others not elsewhere classified EFTA00091712

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Special comment codes Account payments being managed by financial counseling service Paid by cosigner Primary maker filed bankruptcy Secondary maker filed bankruptcy Account closed due to transfer or refinance Assignor — loan has been assumed by another party Election of remedy — reported by subscriber Account closed at credit grantor's request Transferred to another lender Special handling — contact subscriber if more information is needed Adjustment pending — reported by subscriber Debt being paid through insurance Paying under a partial or modified payment agreement Single payment loan Simple interest loan Purchased by another lender Recalled to military active duty Payroll deduction Student loan permanently assigned to government Account payments assured by wage garnishment Account acquired by RTC/FDIC/NCUA Voluntarily surrendered — then redeemed Credit line suspended Contingent liability Account closed due to refinance Account closed due to transfer Compliance condition codes XB = Account information disputed by consumer XC = Completed investigation of Fair Credit Reporting Act (FCRA) dispute — consumer disagrees XD = Account closed at consumer's request and in dispute under FCRA XE = Account closed at consumer's request and dispute investigation completed — consumer disagrees Account legally paid in full for less than the full balance First payment never received Affected by natural or declared disaster Account paid by collateral Now paying Redeemed repossession Transferred to recovery Full termination/status pending Full termination/obligation satisfied Full termination/balance owing Early termination/status pending Early termination/obligation satisfied Early termination/balance owing Early termination/insurance loss Involuntary repossession Involuntary repossession/obligation satisfied Involuntary repossession/balance owing Credit card lost or stolen Paid by company who originally sold the merchandise Foreclosure proceeding started Paid through insurance Prepaid lease Principal deferred/interest payment only Guaranteed/insured Closed due to inactivity Acquired from another lender Substitute/replacement account XF = Account in dispute under Fair Credit Billing Act (FCBA) XG = FCBA dispute resolved — consumer disagrees XH = Account previously in dispute — now resolved, reported by credit grantor XJ = Account closed at consumer's request and in dispute under FCBA XZ = Account closed at consumer's request © 2009 Experian Information Solutions, Inc. + All rights reserved Experian Bivd. Experian and the marks used herein are service marks or Costa Mesa, CA 92626 registered trademarks of Experian Information Solutions, inc. T: 1.888 414 1120 www.experian.com Other product and company names mentioned herein may be the trademarks of their respective owners. 06/09 1224/2556 - 4898C-CS EFTA00091713