IXI Services Digital Targeting Segments

Wealth Estimates of consumers’ household-level total asset wealth and deposit wealth. Built from IXI™ Services’ WealthComplete® and based on our proprietary, anonymous, direct-measured financial assets database of about $14 trillion collected from our exclusive network of the nation’s leading financial institutions.

Total Investable Assets ►$25,000,000+ (<1% of HHs) ►$10,000,000 - $24,999,999 (<1% of HHs) ►$5,000,000 - $9,999,999 (1% of HHs) ►$3,000,000 - $4,999,999 (1% of HHs) ►$2,000,000 - $2,999,999 (1% of HHs) ►$1,000,000 - $1,999,999 (4% of HHs) ►$750,000 - $999,999 (3% of HHs) ►$500,000 - $749,999 (5% of HHs) ►$250,000 - $499,999 (10% of HHs) ►$100,000 - $249,999 (14% of HHs) ►$75,000 - $99,999 (4% of HHs) ►$50,000 - $74,999 (6% of HHs) ►$25,000 - $49,999 (9% of HHs) ►$10,000 - $24,999 (10% of HHs) ►$5,000 - $9,999 (6% of HHs) ►$0.01 - $4,999 (26% of HHs) ►$0 (<1% of HHs)

Deposits ►$250,000+ (8% of HHs) ►$100,000 - $249,999 (16% of HHs) ►$50,000 - $99,999 (15% of HHs) ►$25,000 - $49,999 (13% of HHs) ►$10,000 - $24,999 (13% of HHs) ►$2,500 - $9,999 (13% of HHs) ►$0.01 - $2,499 (22% of HHs) ►$0 (<1% of HHs)

Investments ►Advice-Oriented Investors (31% of HHs) Households likely to have a high percentage

of investments/assets driven by institutions where investment advice is given to customers. Examples include full-service brokerage firms and annuity firms.

►Self-Directed Investors (31% of HHs) Households likely to have a high percentage of

either investments/assets driven by institutions that provide little advice or investment types that traditionally are not provided though financial expert advice. Examples of assets in this category include investments through discount brokers for direct retail customers and investments through no-load fund groups for direct-retail customers.

►IRA Investors (47% of HHs) Households likely to have a higher than

average percentage of investments in retirement accounts and are prone to continue contributing to retirement accounts. The type or retirement accounts included in this measurement are Rollover, Roth, Educational, and Regular IRAs, as well as Annuity products.

►Mutual Fund Investors (37% of HHs) Households likely to actively invest in mutual

funds, with a high percentage of their assets in those financial instruments. These include equity-oriented mutual funds, open-end funds with capital appreciation, and funds with international, sector or hybrid/asset-allocation investment objectives.

► = Exclusively for IXI Network Members Only

►Individual Stock Investors (31% of HHs) Households likely to invest in individual stocks,

with a high percentage of their assets in those equities. This would exclude assets in mutual funds, exchange traded investment trusts, and futures and options.

►CD Investors (12% of HHs) Households likely to actively invest in

Certificates of Deposit, with a high percentage of their assets in these instruments.

►Fixed-Income Investors (13% of HHs) Households likely to have a high propensity

for investment in individual debt instruments, debt-oriented funds and trusts as well as cash balances. These investments include bonds, notes, cash, margin balances and money-market funds.

►High-Risk Investors (14% of HHs) Households likely to invest in more aggressive

and riskier financial investments, including individual NASDAQ stocks, individual high-yield bonds, and open-end mutual funds with aggressive growth objectives, high-yield income, and foreign/global exposure.

►Active Traders (10% of HHs) Households likely to have significantly higher

average number of investment activities than the normal consumer.

►Sophisticated Investors (25% of HHs) Households likely to have a propensity for

investing in margins, options and short positions and stronger than average tendency to invest in those areas going forward. Can be split into two sub-segments: Sophisticated Investors - Discount Brokerage and Sophisticated Investors - Full Service.

►Discount Brokerage Investors (27% of HHs)

Target segment comprised of households likely to have a high percentage of investments/assets driven by discount brokerage firms.

►ETF Investors (20% of HHs) Households likely to have a propensity for

investing in Exchange Traded Funds.

►Power ETF Investors (6% of HHs) Households likely to have a propensity for

investing a significant amount of assets in Exchange Traded Funds.

►ETF IRA Investors (14% of HHs) Households likely to have a propensity for

investing in Exchange Traded Funds within an IRA.

Financial Cohorts®

►Financial Cohorts is an asset-based household segmentation system that segments households based on IXI Services’ proprietary measures of assets, total income, discretionary spending, and credit use. There are 61 Financial Cohorts clusters. (See full Financial Cohorts poster for more info)

Retail Banking ►High Net Worth (8% of HHs) Target population whose estimated investable

assets are likely to be $1MM+.

►Mass Affluent (31% of HHs) Target population whose estimated investable

assets are likely to be between $100k and $1MM.

►High Deposits (39% of HHs) Target population likely to have $50k+ in

deposits.

►CD Investors (12% of HHs) Households likely to actively invest in

Certificates of Deposit, with a high percentage of their assets in these instruments.

►MMDA Investors (39% of HHs) Target population most likely to have

investments in money market deposit accounts.

►Young and On the Road to Wealth (7% of HHs)

Target population whose estimated age and income indicate a likelihood of high future net worth.

►Active Debit Card Users (35% of HHs) Target population whose estimated monthly

usage of debit cards exceeds the U.S. average for active debit card users.

►Active Online Bill Payers (38% of HHs) Target population whose regular use of online

bill payment is estimated to exceed the U.S. average for online bill payment users.

►Mass Market & Mass Affluent Checking (73% of HHs)

Target Mass Market and Mass Affluent population most likely to have a checking account. Likelihood is based on total estimated wealth and likelihood of currently having a checking account with a minimum required balance.

►High Checking Account Balance (53% of HHs)

Target population most likely to have at least $10k in a checking account.

Insurance* Auto Insurance Target (78% of HHs) Target population of attractive auto insurance

prospects based on their estimated financial profile and predicted credit behaviors.

Likely to Respond to Auto Insurance Offer (29% of HHs)

Target population likely to engage in a new auto insurance offer based on life events and an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire new auto insurance.

Optimum Auto Insurance Target (84% of HHs)

Target population with a likely lower expected loss ratio for auto insurers. Powered by FICO’s aggregated auto insurance score for “preferred” auto prospects.

Likely to Respond to Home Insurance Offer (18% of HHs)

Target population likely to be responsive to a home insurance offer because they are likely to have recently moved into a new property within the last month or have an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire a new home.

High Premium Life Insurance Target (27% of HHs)

Target population likely to carry higher than average life insurance premiums.

Multiple Policy Prospects (30% of HHs) Target population predicted to be more

responsive to an offer for multiple policies based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire multiple insurance policies at the same time.

Optimum Insurance Target (35% of HHs) Target population of attractive insurance

prospects predicted to engage in home/auto insurance coverage based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire credit.

High Lifetime Value Households (17% of HHs) Target population whose estimated age,

income, and credit activity indicate a higher than average lifetime value.

Mortgage*

Ready to Re-finance - Jumbo Loan (6% of HHs)

Target population likely to have current mortgage on file, whose home value is estimated to be greater than $400,000, and who is likely to engage in a new or refinanced mortgage based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire new credit.

Ready to Re-Finance - Conventional Loan (31% of HHs)

Target population likely to have current mortgage on file, whose home value is estimated to be less than $400,000, and who is likely to engage in a new or refinanced mortgage based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire new credit.

Likely HELOC Customer (16% of HHs) Target population likely to engage in a home

equity line of credit based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire a new home equity line of credit.

Likely New Mortgage Customer (14% of HHs) Target population with no mortgage on file

likely to engage in a new mortgage based on an estimated credit profile similar to those who have a demonstrated, statistical propensity to acquire a new mortgage.

Optimum Mortgage Target (9% of HHs) Target population of attractive mortgage

prospects based on their estimated financial profile and likely credit behaviors.

Credit Card* Premium Credit Card Target (24% of HHs) Target population whose estimated financial

profile is similar to those most likely to obtain a premium credit card.

Standard Credit Card Target (32% of HHs) Target population whose estimated financial

profile is similar to those most likely to obtain a standard credit card.

Sub-Prime Credit Card Target (20% of HHs) Target population whose estimated financial

profile is similar to those most likely to obtain a sub-prime credit card.

Attracted to Low APR Offer (39% of HHs) Target population likely to carry enough credit

balance that they may seek a new credit card offer with a low APR.

Revolver (9% of HHs) Target population likely to carry a credit card

balance and whose estimated income indicates they are less likely to pay off that balance each month, thus accruing interest charges.

Transactor (44% of HHs) Target population likely to carry a credit card

balance but are likely to have sufficient income to pay off those balances.

Optimum Credit Card Target (49% of HHs) Target population of attractive credit card

prospects based on their estimated financial profile and likely credit behaviors.

Likely to Respond to Credit Card Offer (31% of HHs)

Target population likely to be responsive to a credit card offer based on an estimated credit profile similar to those who have a demonstrated, statistical propensity to acquire a new credit card

Card Balance Transfer Candidate (18% of HHs)

Target population likely to have moderate income and a credit card balance greater than $3,000, who most likely look for a better rate/card utilizing a Balance Transfer option.

Student Loan* Likely Student Loan Target (5% of HHs) Target population likely to engage in a student

loan based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire a student loan.

Likely Student Loan Consolidation Target (25% of HHs)

Target population likely to engage in a student loan consolidation based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to consolidate student loans.

Small Business Small Business AssetsEstimates of small business asset wealth. Built from IXI Services’ Small Business Assets™ and based on our anonymous, direct-measured financial assets database of about $2 trillion in assets invested by small businesses collected from the nation’s leading financial institutions.

►$250,000 - $20,000,000 (9% of Small Businesses)

►$100,000 - $249,999 (12% of Small Businesses)

►$50,000 - $99,999 (13% of Small Businesses)

►$25,000 - $49,999 (16% of Small Businesses)

►$10,000 - $24,999 (21% of Small Businesses)

►< $10,000 (28% of Small Businesses)

IndustrySmall businesses likely to be in these particular sectors:

Agriculture, Forestry, and Fishing (2% of Small Businesses)

Construction (6% of Small Businesses) Finance, Insurance, and Real Estate (7% of

Small Businesses) Government (1% of Small Businesses) Manufacturing (3% of Small Businesses) Mining (<1% of Small Businesses) Non-Profit(3% of Small Businesses) Public Administration (1% of Small

Businesses) Retail Trade (14% of Small Businesses) Services (36% of Small Businesses) Transportation, Communications, Electric,

Gas, and Sanitary Services (3% of Small Businesses)

Wholesale Trade (3% of Small Businesses)

Company Age 10+ Years (56% of Small Businesses) 5-10 Years (18% of Small Businesses) <5 Years (4% of Small Businesses)

Company Size 50+ Employees (3% of Small Businesses) 11 - 49 Employees (14% of Small Businesses) 6 - 10 Employees (19% of Small Businesses) 3 - 5 Employees (32% of Small Businesses) 1 - 2 Employees (31% of Small Businesses)

Annual Sales $1,000,000 - $10,000,000 (23% of Small

Businesses) $500,000 - $999,000 (22% of Small

Businesses) $250,000 - $499,000 (22% of Small

Businesses) $100,000 - $249,000 (19% of Small

Businesses) $50,000 - $99,000 (9% of Small Businesses) <$50,000 (3% of Small Businesses)

For more information:info.ixiservices@equifax.com 800-210-4323ixiservices.com

*IXI Services’ digital targeting segments are based on aggregated attributes at a geographic level. IXI Services’ targeting segments were not developed or intended to be taken into consideration as a factor in establishing or determining an individual’s eligibility for personal credit, insurance, or employment, or for any other purpose contemplated under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. IXI Services targeting segments neither contain nor reveal any personally identifiable information. At no time does IXI Services obtain or provide a credit score associated with any individual or household. Copyright © 2016, Equifax Inc., Atlanta, Georgia. All rights reserved. Equifax, EFX, Cohorts, Income360, and WealthComplete are registered trademarks of Equifax Inc. Ability to Pay Index, Discretionary Spending Dollars, DS$, Economic Spectrum, IXI, and Small Business Assets are trademarks of Equifax Inc. All other trademarks contained herein are the property of their respective owners. Information sourced from Equifax, IXI Services and data provided by Gfk MRI.

Income Estimated income from salary/wages and income derived from investments. Built from our Income360®.

$250,000+ (2% of HHs) $150,000 - $249,999 (9% of HHs) $125,000 - $149,999 (9% of HHs) $100,000 - $124,999 (16% of HHs) $75,000 - $99,999 (14% of HHs) $60,000 - $74,999 (14% of HHs) $50,000 - $59,000 (9% of HHs) $40,000 - $49,000 (13% of HHs) $30,000 - $39,999 (8% of HHs) $20,000 - $29,999 (5% of HHs) <$20,000 (2% of HHs)

Discretionary Spending Estimated household spending after accounting for the fixed expenses of life. Built from our Discretionary Spending Dollars™ (DS$™).

$200,000+ (1% of HHs) $100,000 - $200,000 (6% of HHs) $75,000 - $99,999 (5% of HHs) $50,000 - $74,999 (9% of HHs) $40,000 - $49,999 (14% of HHs) $30,000 - $39,999 (32% of HHs) $20,000 - $29,999 (19% of HHs) $10,000 - $19,999 (11% of HHs) <$10,000 (3% of HHs)

Ability to Pay Estimated ability to pay in 4 tiers. Built from our Ability to Pay™ (ATP) Index.

Highest Ability to Pay (21% of HHs) High Ability to Pay (30% of HHs) Moderate Ability to Pay (32% of HHs) Lowest Ability to Pay (17% of HHs)

Economic Cohorts®

Economic Cohorts is an economic-based household segmentation system that segments households based on a complete view of households’ economics, including estimates of total income, discretionary spending, and credit usage. Economic Cohorts’ 71 clusters allow marketers to better understand the economic and behavioral characteristics of households in their target clusters in order to increase the relevance and effectiveness of marketing efforts. (See full Economic Cohorts poster for more info)

Economic Spectrum™

Elite Affluent: Elite Spenders (1% of HHs) Elite Affluent: Power Spenders (3% of HHs) Emerging Affluent: Power Spenders (3% of

HHs) Emerging Affluent: Big Spenders (8% of

HHs) Emerging Affluent: Moderate Spenders (4%

of HHs) Mass Affluent: Big Spenders (2% of HHs) Mass Affluent: Moderate Spenders (9% of

HHs) Mass Affluent: Light Spenders (7% of HHs) Midscale: Moderate Spenders (1% of HHs) Midscale: Light Spenders (9% of HHs) Midscale: Thrift Spenders (9% of HHs) Downscale: Light Spenders (1% of HHs) Downscale: Thrift Spenders (11% of HHs) Downscale: Sparing Spenders (11% of HHs) Making Ends Meet: Thrift Spenders (<1% of

HHs) Making Ends Meet: Sparing Spenders (8%

of HHs) Making Ends Meet: Minimal Spenders (12%

of HHs)

Aggregated FICO®* These segments estimate the likelihood of consumers to pay credit obligations, based on aggregated credit data at a geographic level. At no time does IXI Services obtain or provide a credit score associated with any individual or household. These segments cannot be used for any purpose contemplated under FCRA.

Aggregated FICO® - High Score (75% of HHs)

Target population with lowest estimated risk of credit delinquency in next 24 months.

Aggregated FICO® - High Auto Score (75% of HHs)

Target population with lowest estimated risk of credit delinquency in next 24 months, with credit behavior weighted towards the auto finance industry.

Aggregated FICO® - High Credit Card Score (74% of HHs)

Target population with lowest estimated risk of credit delinquency in next 24 months with credit behavior weighted towards the credit card industry.

Aggregated FICO® - High Mortgage Score (74% of HHs)

Target population with lowest estimated risk of credit delinquency in next 24 months, with credit behavior weighted towards the mortgage industry.

Tiers 820+ (<1% of HHs) 801-820 (1% of HHs) 781-800 (4% of HHs) 761-780 (9% of HHs) 741-760 (12% of HHs) 721-740 (13% of HHs) 701-720 (13% of HHs) 681-700 (12% of HHs) 661-680 (10% of HHs) 641-660 (8% of HHs) 621-640 (6% of HHs) 601-620 (5% of HHs) <600 (6% of HHs)

Retail Mass Market/Discount Store Shoppers (24%

of HHs) Households likely to shop at large national and

discount retailers.

Apparel Shoppers (22% of HHs) Households likely to buy apparel.

Gift Buyers (22% of HHs) Households likely to buy gifts.

Shop for Children (28% of HHs) Households likely to buy items for children.

Jewelry Buyers (23% of HHs) Households likely to buy jewelry.

Upscale Shoppers (17% of HHs) Households likely to shop at upscale retailers.

Luxury Shoppers (13% of HHs) Households likely to shop at luxury retailers.

Auto* Domestic Vehicle Owners (33% of HHs) Households likely to own or lease a domestic

vehicle.

Family Vehicle Owners (33% of HHs) Households likely to own or lease a family

vehicle.

Luxury Vehicle Owners (22% of HHs) Households likely to own or lease either a

domestic or import luxury vehicle.

Domestic Luxury Vehicle Owners (14% of HHs)

Households likely to own or lease a domestic luxury vehicle.

Import Auto Vehicle Owners (34% of HHs) Households likely to own or lease an import

vehicle.

Import Luxury Vehicle Owners (14% of HHs) Households likely to own or lease an import

luxury vehicle.

Eco-Friendly Vehicle Owners (24% of HHs) Households likely to own or lease an

environmentally-friendly vehicle.

Likely to Respond to Auto Loan Offer (35% of HHs)

Target population likely to engage in a new auto loan based on an estimated credit profile that is similar to those who have a demonstrated, statistical propensity to acquire new auto credit.

In Market for Auto Lease (29% of HHs) Target population whose auto lease is likely to

expire within the next 6 months.

Recently Purchased Automobile (60% of HHs)

Target population most likely to have recently purchased an automobile in the last 12 months.

Optimum Auto Loan Target (29% of HHs) Target population of attractive auto loan

prospects based on their estimated financial profile and likely credit behaviors.

Communications Wireless Prefers Smartphone (42% of HHs) Households likely to be a candidate for a

smartphone.

Prefers iPhone® (27% of HHs) Households likely to be a candidate for an

iPhone.

Prefers BlackBerry® (26% of HHs) Households likely to be a candidate for a

BlackBerry phone.

Average Revenue Customer (32% of HHs) Households likely to be average revenue

wireless customers, with basic level monthly wireless bills.

High Revenue Customer (26% of HHs) Households likely to be higher revenue wireless

customers, with higher monthly wireless bills.

Prepaid Wireless Plan Subscriber (22% of HHs)

Households likely to subscribe to prepaid wireless plans.

Individual Wireless Plan Subscriber (18% of HHs)

Households likely to subscribe to individual wireless plans.

Family Wireless Plan Subscriber (27% of HHs)

Households likely to subscribe to family wireless plans.

Wireless Plan - Internet User (42% of HHs) Households likely to use the Internet from their

mobile device.

Wireless Plan - Multi-Feature User (45% of HHs)

Households likely to use a wide variety of features on their mobile device.

Video DVR User (36% of HHs) Households likely to use DVR.

High-Def Viewer (31% of HHs) Households likely to have a High Definition TV.

On-Demand Viewer (29% of HHs) Households likely to watch Video on Demand.

Premium Channel Viewer (37% of HHs) Households likely to watch premium cable

channels.

Internet Heavy Internet User (39% of HHs) Households likely to use the Internet frequently

for a wide range of activities.

Frequent Online Gamer (21% of HHs) Households likely to play video or online

games.

Social Network User (37% of HHs) Households likely to participate in online social

networks.

Voice Video Data Triple Play Customers (36% of HHs) Households likely to be candidates for Triple

Play service packages.

High Speed Data and Video Customers (37% of HHs)

Households likely to be candidates for High-speed Data and Voice service packages.

Multi-Service Customer (26% of HHs) Households likely to have a propensity for all

types of voice, video and data service including DVR, HDTV, Video on Demand and others.

Sports Alpine Skiing Fans (15% of HHs) Households most likely to attend or watch

Alpine Skiing races.

College Football Fans (33% of HHs) Households most likely to attend or watch

men’s college football games.

College Men’s Basketball Fans (26% of HHs) Households most likely to attend or watch

men’s college basketball games.

Fishing Fans (12% of HHs) Households most likely to attend or watch

competitive fishing tournaments.

Golf Fans (23% of HHs) Households most likely to attend or watch

professional golf tournaments.

Horse Racing Fans (19% of HHs) Households most likely to attend or watch

horse races.

International Summer Competition Fans (35% of HHs)

Households most likely to attend or watch international summer competitions.

International Winter Competition Fans (39% of HHs)

Households most likely to attend or watch international winter competitions.

NASCAR® Fans (22% of HHs) Households most likely to attend and follow

NASCAR® races.

Professional Baseball Fans (34% of HHs) Households most likely to attend or watch

professional baseball games.

Professional Basketball Fans (30% of HHs) Households most likely to attend or watch

professional basketball games.

Professional Football Fans (40% of HHs) Households most likely to attend or watch

professional football games.

Professional Hockey Fans (23% of HHs) Households most likely to attend or watch

professional hockey games.

Professional Soccer Fans (17% of HHs) Households most likely to attend or watch

professional soccer games.

Tennis Fans (18% of HHs) Households most likely to attend or watch

professional tennis tournaments.

Wrestling Fans (17% of HHs) Households most likely to attend or watch

professional wrestling matches.

Travel & Leisure Travelers (34% of HHs) Households likely to travel.

Theme Park Visitors (30% of HHs) Households likely to visit theme parks.

Luxury Travelers (20% of HHs) Households likely have a propensity for luxury

travel.

Cruise Customers (31% of HHs) Households likely to take a cruise.

Family Cruise Customers (25% of HHs) Households likely to take a family cruise.

Cruise Customers - Caribbean (8% of HHs) Households likely to take a Caribbean cruise.

Cruise Customers - Luxury (11% of HHs) Households likely have a propensity for luxury

cruises.

Resort Visitors (36% of HHs) Households likely to stay at a resort.

Resort Visitors - Caribbean (33% of HHs) Households likely to stay at a Caribbean resort.

4-star Resort Visitors (27% of HHs) Households likely to stay at a 4-Star resort.

International Travelers (29% of HHs) Households likely have a propensity for

international travel.

International Family Travelers (22% of HHs) Households likely have a propensity for

international family travel.

Mexico - Latin America Travelers (26% of HHs)

Households likely to travel to Mexico or Latin America.

Europe Travelers (27% of HHs) Households likely to travel to Europe.

Exotic Destination Travelers (18% of HHs) Households likely to travel to exotic

international destinations.

Likely Gamblers (26% of HHs) Households likely have a propensity for

gambling.

Likely Las Vegas Gamblers (19% of HHs) Households likely have a propensity for

gambling in Las Vegas.

Restaurant Quick Serve Restaurant Diners (24% of HHs) Households likely to dine at quick serve

restaurants.

Fast Casual Restaurant Diners (22% of HHs) Households likely to dine at fast casual

restaurants.

Casual Restaurant Diners (17% of HHs) Households likely to dine at casual restaurants.

Fine Casual Restaurant Diners (14% of HHs) Households likely to dine at fine casual

restaurants.

CONTACT US TODAY

IXI Services Digital Targeting Segments ► = Exclusively for IXI Network Members Only