Dataset 2007 - 2009

No of Dependents Application Score

Intercept No Dependents 1 or 2 Dependents Low Score Middle Score
Weights -0.42 5.832 -0.56 -0.3696 -0.21 -0.392 0.27 6.5251 0
p - value 1 1 0.0014 0.0125 0.3094 0.0249 1 1 1
Odds Ratio 0.5699 0.691 0.8136 0.6757 1.3109 682.0779 1
Dataset 2007 - 2010

No of Dependents Application Score

Intercept No Dependents 1 or 2 Dependents Low Score Middle Score

Weights 2.44 2.0703 0.1311 -0.1292 -0.6102 -0.0485 3.1331 2.7663 0

p - value 1 1 0.4936 0.4087 0.0053 0.7785 1 1 1
Odds Ratio 1.14 0.8788 0.5432 0.9527 22.9453 15.8998 1

* green cells are for regular training results

* red values are results with reject inference
 Borrower Risk Profile
tion Score Client Employment Type Client Gross Mont
Middle Score LO OC OF < 15k 15K - 30K
0 -1.07 -0.8595 -1.06 -1.0017 -0.51 -0.4837 0.27 6.5251 0
1 0 0 0.0008 0.0004 0.0082 0.0029 1 1 1
1 0.3444 0.4234 0.3478 0.3673 0.6008 0.6165 1.3109 682.0779 1

Borrower Risk Profile

tion Score Client Employment Type Client Gross Mont
Middle Score LO OC OF < 15k 15K - 30K

0 -1.0613 -0.8493 -2.1085 -0.8341 -2.1715 -1.283 -1.6684 -0.9945 3.3182

1 0 0 0 0 0 0 0.1156 0.0146 1
1 0.346 0.4277 0.1214 0.4343 0.114 0.2772 0.1186 0.3699 27.6114
 Client Gross Monthly Income Residential Ownership Type Years of Service
15K - 30K 30K - 50K 50K - 100K New Owned New Rented < 1 year
0 0 0 0 0 -0.98 -0.705 -0.88 -0.6899 0.27
1 1 1 1 1 0 0 0 0.0003 1
1 1 1 1 1 0.3738 0.4941 0.4159 0.5016 1.3109

Client Gross Monthly Income Residential Ownership Type Years of Service

15K - 30K 30K - 50K 50K - 100K New Owned New Rented < 1 year

1.834 -0.4198 0.7625 2.2532 -0.808 -0.4286 0.0348 -0.8812 0.2846 -0.6137
0.0732 0.7812 0.2841 0.1348 0.2176 0.0012 0.7393 0.0001 0.0859 0.7047
6.2589 0.6572 2.1437 9.5185 0.4458 0.6514 1.0354 0.4143 1.3293 0.5414
Years of Service Collateral Security Type Outstanding Balance
< 1 year Unsecured Secured < 15k 15K - 30K 30K - 50K
6.5251 -0.35 -32.517 0.62 -31.9544 1.33 1.3551 -0.88 -1.1487 -0.94
1 1 1 1 1 0 0 0.0093 0.0002 0.0025
682.0779 0.7025 0 1.866 0 3.7715 3.8771 0.4139 0.317 0.3913

Years of Service Collateral Security Type Outstanding Balance

< 1 year Unsecured Secured < 15k 15K - 30K 30K - 50K

0.7508 2.5354 -5.206 0.5977 -5.9639 -0.5604 -0.7165 0.1804 -0.8059 0.4555
0.2832 1 0 1 0 0.0832 0.0007 0.6321 0.0007 0.2217
2.1186 12.6214 0.0055 1.818 0.0026 0.571 0.4885 1.1977 0.4467 1.577
 Exposure Profile
ng Balance Percentage to PN
30K - 50K 50K - 100K < 25 25 - 50 50 - 75 75 - 100
-0.8453 -0.51 -0.6503 0.27 6.5251 0 0 0 0 0
0.0028 0.0475 0.0043 1 1 1 1 1 1 1
0.4294 0.6011 0.5219 1.3109 682.0779 1 1 1 1 1

Exposure Profile
ng Balance Percentage to PN
30K - 50K 50K - 100K < 25 25 - 50 50 - 75 75 - 100

-1.1271 1.0365 -0.4326 -3.9477 0.2384 -2.856 0.2958 -0.84 0.6793 -1.4901
0.0003 0.0018 0.0143 0 0.5058 0 0.4046 0.0773 0.0571 0.0012
0.324 2.8193 0.6488 0.0193 1.2692 0.0575 1.3442 0.4317 1.9724 0.2254
 Total Paid This Cycle
75 - 100 < 15k 15K - 30K 30K - 50K 50K - 100K
0 0.66 0.7572 -2.67 -2.6671 -1.9 -1.781 -0.98 -0.893
1 0.0155 0.007 0 0 0 0 0.0037 0.0019
1 1.939 2.1324 0.0691 0.0695 0.1491 0.1685 0.3753 0.4094

Total Paid This Cycle

75 - 100 < 15k 15K - 30K 30K - 50K 50K - 100K

-0.1437 -0.8669 0.3702 -3.5526 -0.4323 -3.3871 1.1294 -1.5916 0.5555

0.6977 0.0007 0.1155 0 0.0724 0 0 0 0.0306
0.8661 0.4202 1.4481 0.0286 0.649 0.0338 3.0939 0.2036 1.7428