(T)(R)(W)(T)(R)(W)(T)(R)(W)(T)(R)(W)(T)(R)(W)(T)(R)(W)(T)(R)(W)(T)(R)(W)
    (T)                                                                (W)
    )R(                      TRW Business Reports                      )R(
    (W)                                                                (T)
    )R(                           by HiBias                            )R(
    (T)                                                                (W)
   (T)(R)(W)(T)(R)(W)(T)(R)(W)(T)(R)(W)(T)(R)(W)(T)(R)(W)(T)(R)(W)(T)(R)(W)



TRW keeps tabs on the financial standing of businesses, both big and small.
Just about everyone from AT&T to Billy-Bud's Bait Shop is referenced in their
files.  Just exactly what kind of information do they have?  What kind of data
do they give to creditors.  Exactly what kind of things could reflect
negatively on your credit standing?  Following is a sample of a typical TRW
business report and a sample small business advisory report.  These will show
the type of information that TRW hands out to creditors and how they interpret
said information.


TRW SAMPLE REPORT
~~~~~~~~~~~~~~~~~

PAGE  RPT DATE      TIME        PORT        TYPE
  1   03-02-90    08:40:13      BC99       PROFILE        219
- --------------------------------------------------------------------------------
SAMPLE COMPANY                        TRW FILE NUMBER: 000000001                
1000 MAIN STREET                      TRW FILE ESTABLISHED: PRIOR JAN 1977      
ANYTOWN USA 11111                     SIC NO: 0000                              
PHONE: 714-555-1212                   BUS: SELLING GOODS TO AMERICA             
- --------------------------------------------------------------------------------
                           EXECUTIVE SUMMARY                                    
                           -----------------                                    
 DAYS BEYOND TERMS (DBT) FOR SAMPLE COMPANY                                     
      AS OF 03-02-90     : DBT IS THE AVERAGE NUMBER OF DAYS LATE A FIRM TAKES  
      PREDICTION         : TO PAY ITS BILLS. THE DBT IS WEIGHTED BY THE DOLLAR  
                           AMOUNT OF EACH ACCOUNT. THE PREDICTION IS A FORECAST 
      DBT NORMS            OF THE DBT FOR 60 DAYS INTO THE FUTURE. IT IS BASED  
      SAMPLE CO INDUSTRY : ON THE TREND IN DBT, THE TYPE OF INDUSTRY OF THE     
      ALL INDUSTRIES     : FIRM, ANY DEROGATORY PUBLIC RECORD INFORMATION,      
                           COLLECTION ACCOUNTS, # OF INQUIRIES, YEARS IN        
                           BUSINESS/FILE, ETC. THE INDUSTRY INFORMATION IS      
                           PROVIDED TO EVALUATE HOW THIS FIRM PAYS TODAY        
                           RELATIVE TO FIRMS IN THE SAME INDUSTRY (AT THE 2     
                           DIGIT SIC LEVEL).                                    
                           CONTINUOUS AND NEWLY REPORTED TRADELINES ARE USED FOR
                           THE DBT VALUES. A SUMMARY WILL ONLY BE PROVIDED WHEN 
                           THERE IS SUFFICIENT DATA.                            
 HISTORICAL PAYMENT GUIDE                                                       
      6 MONTH ACCOUNT BALANCE RANGE : THIS LINE INDICATES THE TOTAL AMOUNT OWED 
                           BY THE FIRM FOR THE PAST 6 MONTHS AND THE CURRENT    
                           TOTAL.                                               
      HIGHEST CREDIT AMOUNT EXTENDED: THIS LINE INDICATES THE LARGEST INDIVIDUAL
                           AMOUNT OF CREDIT EXTENDED TO THE FIRM IN THE PAST 12 
                           MONTHS AND THE MEDIAN AMOUNT (IE THAT VALUE IN WHICH 
                           50% OF THE ACCOUNTS ARE GREATER AND 50% ARE LOWER).  
                           THE PURPOSE IS TO COMPARE THE CURRENT CREDIT REQUEST 
                           TO THESE AMOUNTS TO DETERMINE THE CREDIT GRANTOR'S   
                           RELATIVE RISK.                                       
     INDUSTRY PAYMENT COMPARISON    : THIS LINE REPRESENTS THE CONCLUSION FROM A
                           COMPARISON OF THE 6 MONTH HISTORICAL DBT OF THE FIRM 
                           TO ITS INDUSTRY. THREE POSSIBLE CONCLUSIONS CAN BE   
                           MADE: A FIRM PAYS "THE SAME", "LATER THAN", OR       
                           "SOONER THAN" RELATED BUSINESSES. TO CONCLUDE A FIRM 
                           PAYS LATER OR SOONER, 4 OUT OF 6 MONTHS MUST DEVIATE 
                           FROM AT LEAST 50% OF THE FIRMS IN THE INDUSTRY.      
     PAYMENT TREND INDICATION       : THIS LINE PROVIDES THE CONCLUSION FROM AN 
                           ANALYSIS OF HOW THE PAYMENT BEHAVIOR OF THE FIRM IS  
                                                                                
                                                                                
                                                                                
PAGE  RPT DATE      TIME        PORT        TYPE                                
  2   03-02-90    08:40:13      BC99       PROFILE        219                   
- ------------------------------------------------------------------------------- 
SAMPLE COMPANY                        TRW FILE NUMBER: 000000001                
- ------------------------------------------------------------------------------- 
      PAYMENT TREND INDICATION (CONTINUED)                                      
              CHANGING IN THE PAST 6 MONTHS. FOR A TREND TO OCCUR, AT LEAST THE 
              MOST RECENT TWO MONTHS OF DBT MUST DEVIATE FROM 70% OF THE NORMAL 
              HISTORICAL RANGE OF DBT'S.                                        
              FOUR POSSIBLE CONCLUSIONS CAN BE MADE: THE FIRM IS "IMPROVING     
              TOWARD TERM REQUIREMENTS ","INCREASINGLY LATE", "STABLE" OR       
              OR "NO TREND IDENTIFIABLE".                                       
                                                                                
 SIGNIFICANT PUBLIC RECORD DATA                                                 
 THIS SECTION SUMMARIZES REPORTED PUBLIC RECORD OR OTHER DEROGATORY             
 INFORMATION IN THE FOLLOWING WAYS:                                             
   1) BANKRUPTCY FILINGS WITHIN THE PAST 10 YEARS.                              
   2) OPEN TAX LIENS/JUDGEMENTS REGARDLESS OF THE AMOUNT OF THE LIEN,           
      OR ANY FILING RELEASED WITHIN THE PAST 5 YEARS.                           
   3) A SUMMARY OF THE NUMBER OF UCC FILINGS WITH ONE OR MORE OF THE            
      FOLLOWING PLEDGED COLLATERAL:                                             
        -ACCOUNTS                                                               
        -ACCOUNTS RECEIVABLE                                                    
        -INVENTORY                                                              
        -CONTRACTS                                                              
        -HEREAFTER ACQUIRED PROPERTY                                            
        -PROCEEDS                                                               
        -LEASES                                                                 
        -NOTES RECEIVALBE                                                       
    4) REPORTED COLLECTION ACCOUNTS.                                            
    5) FRAUDULENT TELECOMMUNICATIONS ACCOUNTS THAT ARE REPORTED AS              
       SERVICE DISCONNECTS, WRITE-OFFS, SKIPS, ETC.                             
 IF NO PUBLIC RECORD DATA IS REPORTED, THEN IT WILL BE STATED.                  
 RELEVANT DATES AND AMOUNTS WILL BE INCLUDED.                                   
                                                                                
                          TRADE PAYMENT INFORMATION                             
                          -------------------------                             
                                                                                
                          TRADE PAYMENT EXPERIENCES                             
       (TRADE LINES WITH AN "*" AFTER DATE REPORTED ARE NEWLY REPORTED)         
                                                                                
                                 RECENT  ------ ACCOUNT STATUS ------           
                                  HIGH                -DAYS PAST DUE-           
 BUSINESS   DATE  LAST  PAYMENT  CREDIT   BALANCE     1-  31- 61-               
 CATEGORY   REP'D SALE   TERMS      $        $    CUR 30  60  90  91+ COMMENTS  
 ---------- ----- ----- ------- -------- -------- --- --- --- --- --- ----------
 THIS SECTION PROVIDES THE DETAILED ACCOUNT RECEIVABLE INFORMATION FOR THE FIRM 
 INQUIRED UPON. ONLY THOSE ACCOUNTS THAT ARE CONTINUOUSLY REPORTED OR NEWLY     
                                                                                
                                                                                
                                                                                
PAGE  RPT DATE      TIME        PORT        TYPE                                
  3   03-02-90    08:40:13      BC99       PROFILE        219                   
- ------------------------------------------------------------------------------- 
SAMPLE COMPANY                        TRW FILE NUMBER: 000000001                
- ------------------------------------------------------------------------------- 
                     TRADE PAYMENT EXPERIENCES (CONTINUED)                      
                                                                                
 REPORTED WILL BE INCLUDED IN THIS SECTION. THEREFORE, THE CREDIT GRANTOR IS    
 EVALUATING ONLY THE MOST CURRENT TRADE INFORMATION. A CONTINUOUSLY REPORTED    
 TRADE LINE MUST BE IN THE TRW FILE FOR AT LEAST SIX MONTHS AND UPDATED AT LEAST
 ONCE IN THE PAST THREE MONTHS. A NEWLY REPORTED TRADE LINE HAS BEEN ADDED TO   
 THE FILE WITHIN THE LAST 3 MONTHS. EACH TRADELINE REPRESENTS A UNIQUE CREDIT   
 EXPERIENCE.                                                                    
 ------------------------------ -------- -------- --- --- --- --- --- ----------
 TRADE LINE TOTALS:                                                   DBT: (THE 
                                                                SAME AS REPORTED
                                                                 IN THE SUMMARY)
                                                                                
                        ADDITIONAL PAYMENT EXPERIENCES                          
       (INCLUDES NON-TRADE ACCOUNTS PLUS PREVIOUSLY REPORTED TRADE LINES)       
                                                                                
 THIS SECTION WILL CONTAIN THOSE ACCOUNTS THAT REPRESENT PAYMENT INFORMATION,   
 BUT DO NOT BEHAVE THE SAME AS A TRADE CREDIT ACCOUNT (IE THE ACCOUNT TYPE AND  
 THE REPORTED DATA BEHAVES DIFFERENTLY THAN A TRADE ACCOUNT). FOR EXAMPLE, A    
 LOAN WILL REFLECT THE TOTAL VALUE OF THE LOAN IN THE BALANCE INFORMATION AND   
 THE AGING DATA REFLECTS THE CURRENCY OF THE MONTHLY PAYMENT ONLY. THIS SECTION 
 INCLUDES TRADELINES NOT UPDATED BY CONTRIBUTORS WITHIN THE PAST 6 MONTHS. THE  
 DATA, HOWEVER, CAN BE USED TO IDENTIFY ANY SIGNIFICANT DEROGATORY ACCOUNTS IN  
 THE PAST.                                                                      
                                                                                
                                PAYMENT TOTALS                                  
                                                                                
                                 RECENT  ------ ACCOUNT STATUS ------           
                                  HIGH                -DAYS PAST DUE-           
                                 CREDIT   BALANCE     1-  31- 61-               
                                    $        $    CUR 30  60  90  91+ COMMENTS  
                                -------- -------- --- --- --- --- --- ----------
 CONTINUOUSLY REPORTED LINES:   THIS SECTION PROVIDES A SUMMARY OF THE TOTALS   
 NEWLY REPORTED LINES:          FOR THE TWO TRADELINE TYPES. IT CAN BE USED TO  
                                EVALUATE HOW MUCH THE NEW INFORMATION MAY EFFECT
                                CONCLUSIONS FOR PAST PAYMENT BEHAVIOR.          
 ------------------------------ -------- -------- --- --- --- --- --- ----------
 TRADE LINE TOTALS:                                                   DBT:      
                                                                                
                                                                                
                                                                                
PAGE  RPT DATE      TIME        PORT        TYPE                                
  4   03-02-90    08:40:13      BC99       PROFILE        219                   
- ------------------------------------------------------------------------------- 
SAMPLE COMPANY                        TRW FILE NUMBER: 000000001                
- ------------------------------------------------------------------------------- 
                                PAYMENT TRENDS                                  
                 (BASED ON CONTINUOUSLY REPORTED TRADE LINES ONLY)              
                                                                                
                                                      -DAYS PAST DUE-           
                                          BALANCE     1-  31- 61-               
                            DBT              $    CUR 30  60  90  91+           
                            ---          -------- --- --- --- --- ---           
           AS OF 03-02-90   THIS SECTION EXAMINES THE NEAR TERM CHANGES IN PAY- 
                 12-01-88   MENT TRENDS. IT USES ONLY CONTINUOUSLY REPORTED     
                 11-01-88   TRADELINES IN ORDER TO PROVIDE AN INDICATION OF     
                 10-01-88   WHETHER OR NOT AN IMMEDIATE CHANGE IN PAYMENT       
                 09-01-88   BEHAVIOR IS OCCURING. THE CONCLUSION FROM THE DATA  
                 08-01-88   IS PRESENTED IN THE SUMMARY. A NEAR TERM CHANGE IN  
                 07-01-88   BEHAVIOR CAN BE DUE TO THE WILLINGNESS OR ABILITY   
                            OF THE DEBTOR TO PAY ITS OBLIGATIONS.               
                                                                                
                      PAYMENT HISTORY--QUARTERLY AVERAGES                       
            (BASED ON CONTINUOUSLY AND NEWLY REPORTED TRADE LINES)              
                                                                                
                                                      -DAYS PAST DUE-           
                                          BALANCE     1-  31- 61-               
                            DBT              $    CUR 30  60  90  91+           
                            ---          -------- --- --- --- --- ---           
       4TH-Q-89 (OCT-DEC):  THIS SECTION PRESENTS A ONE AND A QUARTER YEAR ANAL-
       3RD-Q-89 (JUL-SEP):  YSIS OF THE PAYMENT TRENDS. THE LONG TERM CHANGES IN
       2ND-Q-89 (APR-JUN):  DBT REFLECT THE ABILITY OF THE COMPANY TO GENERATE  
       1ST-Q-89 (JAN-MAR):  SUSTAINED CASH FLOW OVER TIME. IF THE DBT IS        
       4TH-Q-88 (OCT-DEC):  BECOMING SIGNIFICANTLY LARGER, IT IS LIKELY THAT THE
                            COMPANY IS LESS ABLE TO PAY.                        
                                                                                
                             PUBLIC RECORD INFORMATION                          
                             -------------------------                          
 THIS SECTION REFLECTS THE DETAIL OF BANKRUPTCY, TAX LIENS (FEDERAL, STATE,     
 AND COUNTY), JUDGEMENTS, AND UCC FILINGS FOR A PARTICULAR ENTITY. IT INCLUDES  
 THE DATE OF FILINGS, AMOUNTS, LOCATIONS, ETC.                                  
                                                                                
                         COMMERCIAL BANKING RELATIONSHIPS                       
                         --------------------------------                       
 THIS SECTION IDENTIFIES THE NAME, ADDRESS, PHONE NUMBER, AND ACCOUNT NUMBER    
 OF THE PRIMARY BANK UTILIZED BY THE BUSINESS.                                  
                                                                                
                                                                                
                                                                                
PAGE  RPT DATE      TIME        PORT        TYPE                                
  5   03-02-90    08:40:13      BC99       PROFILE        219                   
- ------------------------------------------------------------------------------- 
SAMPLE COMPANY                        TRW FILE NUMBER: 000000001                
- ------------------------------------------------------------------------------- 
                               KEY FACTS INFORMATION                            
                               ---------------------                            
 THIS SECTION TYPICALLY INCLUDES THE TYPE OF PRODUCTS/SERVICES OFFERED BY THE   
 BUSINESSES, THE NUMBER OF YEARS IN BUSINESS, THE BUSINESS OWNERSHIP AND        
 PRINCIPAL OFFICERS, ETC.                                                       
                                                                                
                                  INQUIRIES                                     
                                  ----------                                    
 BUSINESS   1990 1989                                                           
 CATEGORY   JAN  DEC  NOV  OCT  SEP  AUG  JUL  JUN  MAY                         
 ---------- ---  ---  ---  ---  ---  ---  ---  ---  ---                         
            THE INQUIRIES WILL BE SUMMARIZED BY THE BUSINESS CATEGORY AND       
            IDENTIFY THE NUMBER OF INQUIRIES EACH MONTH. THIS ALLOWS THE CREDIT 
            MANAGER TO QUICKLY DETERMINE WHERE AND WHEN THE MOST FREQUENT CREDIT
            ACTIVITY ON THE PART OF THE DEBTOR HAS BEEN OCCURING.               
                                                                                
                          FEDERAL GOVERNMENT INFORMATION                        
                          -----------------------------                         
 THIS SECTION CONTINUES TO REFLECT THE FINANCIAL AND CONTRACT DATA PROVIDED BY  
 GOVERNMENT AGENCIES (EG THE SMALL BUSINESS ADMINISTRATION).                    
                                                                                
                           STANDARD & POORS INFORMATION                         
                           ----------------------------                         
 PROVIDES FINANCIAL INFORMATION ON PUBLICLY HELD COMPANIES AS COMPILED BY       
 STANDARD AND POORS. THE INFORMATION INCLUDES:                                  
   1) THE MOST RECENT THREE YEARS OF PROFIT/LOSS STATEMENTS AND BALANCE SHEETS. 
   2) CRITICAL RATIOS OF PERFORMANCE RELATIVE TO INDUSRTY AVERAGES.             
   3) SUMMARY BUSINESS DESCRIPTION AND RECENT DEVELOPMENTS.                     
                                                                                
                                                                                
 THE INFORMATION HEREIN IS FURNISHED IN CONFIDENCE FOR YOUR EXCLUSIVE USE       
 FOR LEGIMATE BUSINESS PURPOSES AND SHALL NOT BE REPRODUCED. NEITHER            
 TRW INC, NOR ITS SOURCES OR DISTRIBUTORS WARRENT SUCH INFORMATION NOR          
 SHALL THEY BE LIABLE FOR YOUR USE OR RELIANCE UPON IT.                         
                                               COPYRIGHT (C) 1989 TRW INC.      
 **END REPORT**                                                                 




TRW SMALL BUSINESS ADVISORY SAMPLE REPORT                                       
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
                                                                                
PAGE  RPT DATE      TIME        PORT        TYPE                                
  1   03-02-90    08:40:13      BC99        SBAR          219                   
- --------------------------------------------------------------------------------
 PRINCIPAL NAME/ADDRESS    BUSINESS NAME/ADDRESS   EMPLOYER NAME/ADDRESS        
- --------------------------------------------------------------------------------
 JOHN Q PROPRIETOR         PROPRIETOR CO           AJAX HARDWARE                
 10655 BIRCH ST            604 BAKER ST            2035 BROADWAY                
 BURBANK CA 91501          STUDIO CITY CA 90485    LOS ANGELES CA 90019         
                                                                                
 LAST UPDATE 12-89         AS ACCESSED 03-90       LAST UPDATE 06-88            
- --------------------------------------------------------------------------------
                                                                                
                                  RISK PROFILE                                  
                                  ------------                                  
                                                                                
 CHANCE OF ACCOUNT ENTERING SERIOUSLY DEROGATORY STATUS WITHIN 1 YEAR:  3%      
                                                                                
 THE PERCENTAGE ABOVE IS CALCULATED BY THE NATIONAL RISK MODEL, WHICH USES A    
 POINT-SCORING SYSTEM THAT ADDS OR SUBTRACTS POINTS BASED ON A PROPRIETOR'S     
 CREDIT BEHAVIOR. THE MODEL ONLY EXAMINES INFORMATION THAT APPEARS ON A         
 PROPRIETOR'S SBAR REPORT, AND DOES NOT TAKE INTO ACCOUNT OTHER DATA, SUCH AS   
 THE PROPRIETOR'S INCOME OR NET WORTH.                                          
                                                                                
 THE PERCENTAGE, REFERRED TO AS A PROBABILITY PERCENTAGE, INDICATES THE         
 LIKELIHOOD OF A PROPRIETOR BECOMING DEROGATORY IN HIS PAYMENT HABITS.          
 DEROGATORY CREDIT BEHAVIOR CAN BE DEFINED AS MAINTAINING ACCOUNTS THAT HAVE    
 DEVELOPED INTO COLLECTION ACCOUNTS, REPOSSESSIONS, CHARGE-OFFS OR BANKRUPTCIES.
                                                                                
 THE PERCENTAGES RANGE FROM 0% TO 100%. AS INDICATED ON THE SBAR, APPROXIMATELY 
 85% OF ALL PROPRIETORS HAVE A 0%-15% CHANCE OF BECOMING SERIOUSLY DEROGATORY   
 WITHIN 1 YEAR; 12% HAVE A 16%-49% CHANCE; AND 3% HAVE A 50%-100% CHANCE.       
                                                                                
 IN GENERAL, PROPRIETORS WITH A PROBABILITY PERCENTAGE OF 0%-15% ARE A GOOD     
                                                                                
 RISK; THOSE WITH A PERCENTAGE OF 16%-49% ARE A MEDIUM RISK; AND PERCENTAGES OF 
 50%-100% INDICATE A POOR RISK.                                                 
                                                                                
 YOU MAY WANT TO IDENTIFY SEVERAL RANGES OF PERCENTAGES THAT YOU CONSIDER TO BE 
 GOOD, MEDIUM, AND POOR RISKS, BASED ON HOW MUCH RISK YOU ARE WILLING TO TAKE   
 IN EXTENDING CREDIT.                                                           
                                                                                
                                                                                
PAGE  RPT DATE      TIME        PORT        TYPE                                
  2   03-02-90    08:40:13      BC99        SBAR          219                   
- --------------------------------------------------------------------------------
 PRINCIPAL NAME/ADDRESS    BUSINESS NAME/ADDRESS   EMPLOYER NAME/ADDRESS        
- --------------------------------------------------------------------------------
 JOHN Q PROPRIETOR         PROPRIETOR CO           AJAX HARDWARE                
 10655 BIRCH ST            604 BAKER ST            2035 BROADWAY                
 BURBANK CA 91501          STUDIO CITY CA 90485    LOS ANGELES CA 90019         
                                                                                
 LAST UPDATE 12-89         AS ACCESSED 03-90       LAST UPDATE 06-88            
- --------------------------------------------------------------------------------
                                                                                
 STATUS CHARACTERISTICS                                                         
                                                                                
 STATUS CHARACTERISTICS DEFINE THE SPECIFIC CONDITIONS WHICH CONTRIBUTE TO A    
 PROPRIETOR'S PROBABILITY PERCENTAGE. ONE TO FOUR CHARACTERISTICS ARE DISPLAYED 
 ON THE SBAR IN ORDER OF IMPORTANCE, AND GIVE YOU ADDITIONAL INSIGHT INTO A     
 PROPRIETOR'S PERSONAL CREDIT HISTORY.                                          
                                                                                
 FOR PROBABILITY PERCENTAGES OF 16%-100%, THE STATUS CHARACTERISTICS ARE A      
 SIGNIFICANT INDICATOR OF WHY THE PERCENTAGE IS HIGH. FOR PERCENTAGES OF 0%-15%,
 THE CHARACTERISTICS ARE NOT A SIGNIFICANT INDICATOR, AND SHOULD NOT CARRY MUCH 
 WEIGHT IN YOUR CREDIT-GRANTING DECISION.                                       
                                                                                
 TO HELP YOU BETTER UNDERSTAND AND INTERPRET THE MEANING OF THE STATUS CHAR-    
 ACTERISTICS, A "GLOSSARY OF STATUS CHARACTERISTICS" IS INCLUDED IN THE SBAR    
 BROCHURE AVAILABLE FROM YOUR ACCOUNT EXECUTIVE.                                
                                                                                
                                ACCOUNT PROFILES                                
                                ----------------                                
                                                                                
 PROPRIETORS' ACCOUNTS ARE DIVIDED INTO 3 CATEGORIES: NEGATIVE, POSITIVE, AND   
 NEUTRAL. EACH TRADE LINE IN THE ACCOUNT PROFILE CONTAINS THE BUSINESS CATEGORY 
 OF THE COMPANY THAT CONTRIBUTED THE INFORMATION; THE DATE THE INFORMATION WAS  
 REPORTED; AND THE STATUS OF THE ACCOUNT.                                       
                                                                                
 THE TRADE LINE MAY ALSO INCLUDE: THE DATE THE ACCOUNT WAS OPENED; TYPE AND     
 TERMS OF LOAN; ORIGINAL LOAN AMOUNT; CREDIT LIMIT; HISTORICAL HIGH BALANCE;    
 BALANCE DUE; SCHEDULED MONTHLY PAYMENT; AMOUNT PAST DUE; DATE LAST PAYMENT WAS 
 MADE; TRANSACTION RELATIONSHIP; COMMENTS.                                      
                                                                                
 ACCOUNT PROFILES PROVIDE YOU WITH DETAILED INFORMATION ABOUT A PROPRIETOR'S    
 PERSONAL CREDIT PORTFOLIO.                                                     
                                                                                
                                                                                
                                                                                
PAGE  RPT DATE      TIME        PORT        TYPE                                
  3   03-02-90    08:40:13      BC99        SBAR          219                   
- --------------------------------------------------------------------------------
 PRINCIPAL NAME/ADDRESS    BUSINESS NAME/ADDRESS   EMPLOYER NAME/ADDRESS        
- --------------------------------------------------------------------------------
 JOHN Q PROPRIETOR         PROPRIETOR CO           AJAX HARDWARE                
 10655 BIRCH ST            604 BAKER ST            2035 BROADWAY                
 BURBANK CA 91501          STUDIO CITY CA 90485    LOS ANGELES CA 90019         
                                                                                
 LAST UPDATE 12-89         AS ACCESSED 03-90       LAST UPDATE 06-88            
- --------------------------------------------------------------------------------
                                                                                
                            NEGATIVE ACCOUNT PROFILE                            
                            ------------------------                            
                                                                                
 THIS SECTION PROVIDES YOU WITH ALL OF THE NEGATIVE TRADE LINES THAT APPEAR ON  
 THE PROPRIETOR'S REPORT. THESE INCLUDE TRADE LINES THAT HAVE STATUSES SUCH AS  
 DELINQUENT, REPOSSESSED, WRITE-OFF, CHARGED TO LOSS, BANKRUPT, ETC.            
                                                                                
                            POSITIVE ACCOUNT PROFILE                            
                            ------------------------                            
                                                                                
 THIS SECTION PROVIDES YOU WITH ALL OF THE POSITIVE TRADE LINES THAT APPEAR ON  
 THE PROPRIETOR'S REPORT. IN GENERAL, THESE TRADE LINES ARE EITHER CURRENT      
 ACCOUNTS THAT ARE BEING PAID ACCORDING TO TERMS, OR ACCOUNTS THAT HAVE BEEN    
 CLOSED AND WERE PAID IN SATISFACTORY TERMS.                                    
                                                                                
                            NEUTRAL ACCOUNT PROFILE                             
                            -----------------------                             
                                                                                
 THIS SECTION PROVIDES YOU WITH ALL OF THE NEUTRAL TRADE LINES THAT APPEAR ON   
 THE PROPRIETOR'S REPORT. THESE TRADE LINES INCLUDE ONES HAVE BEEN DELINQUENT   
 AT ONE TIME, BUT ARE NOW CURRENT.                                              
                                                                                
                             PUBLIC RECORD PROFILE                              
                             ---------------------                              
                                                                                
 THE PUBLIC RECORD PROFILE ENABLES YOU TO LEARN ABOUT WHAT TYPES OF LEGAL       
 ACTIONS HAVE BEEN FILED AGAINST THE PROPRIETOR, SUCH AS BANKRUPTCIES, FEDERAL  
 STATE, AND COUNTY TAX LIENS, JUDGEMENTS, AND SUITS.                            
                                                                                
                                                                                
                                                                                
PAGE  RPT DATE      TIME        PORT        TYPE                                
  4   03-02-90    08:40:13      BC99        SBAR          219                   
- --------------------------------------------------------------------------------
 PRINCIPAL NAME/ADDRESS    BUSINESS NAME/ADDRESS   EMPLOYER NAME/ADDRESS        
- --------------------------------------------------------------------------------
 JOHN Q PROPRIETOR         PROPRIETOR CO           AJAX HARDWARE                
 10655 BIRCH ST            604 BAKER ST            2035 BROADWAY                
 BURBANK CA 91501          STUDIO CITY CA 90485    LOS ANGELES CA 90019         
                                                                                
 LAST UPDATE 12-89         AS ACCESSED 03-90       LAST UPDATE 06-88            
- --------------------------------------------------------------------------------
                                                                                
                        PUBLIC RECORD PROFILE (CONTINUED)                       
                        ---------------------------------                       
                                                                                
 EACH PUBLIC DATA ENTRY INCLUDES THE TYPE OF LEGAL ACTION FILED, DATE FILED,    
 COURT NAME, COURT CODE, DOCKET NUMBER, AMOUNT, AND JUDGEMENT CREDITOR.         
                                                                                
                                   INQUIRIES                                    
                                   ---------                                    
                                                                                
 THE INQUIRY SECTION INCLUDES INFORMATION ABOUT INQUIRIES MADE ON THE PROPRIETOR
 IN THE PAST 24 MONTHS. THIS TELLS YOU HOW OFTEN THE PROPRIETOR HAS REQUESTED   
 CREDIT IN THE PAST YEAR, AND THE TYPES AND NUMBER OF COMPANIES THAT HAVE       
 REQUESTED CREDIT INFORMATION ON HIM.                                           
                                                                                
 INQUIRIES INCLUDE THE BUSINESS CATEGORY OF THE COMPANY MAKING THE INQUIRY AND  
 THE DATE OF THE INQUIRY, AND MAY INCLUDE THE TYPE, TERMS, AND AMOUNT OF THE    
 LOAN OR CREDIT LINE.                                                           
                                                                                
                           FILE VARIATION REFERENCES                            
                           -------------------------                            
                                                                                
 FILE VARIATIONS CAN BE DEFINED AS INFORMATION ABOUT THE PROPRIETOR CONTAINED   
 IN TRW'S FILE UNDER A DIFFERENT NAME, ADDRESS, OR SOCIAL SECURITY NUMBER       
 THAN WHAT YOU ENTERED DURING THE INQUIRY PROCESS.                              
                                                                                
 USUALLY, NAME VARIATIONS ARE EITHER MISPELLINGS OR MAIDEN NAMES; ADDRESS       
 VARIATIONS ARE DEVIATIONS SUCH AS "STREET" INSTEAD OF "DRIVE", OR THE          
 PROPRIETOR'S PREVIOUS ADDRESS; AND SOCIAL SECURITY NUMBER VARIATIONS ARE       
 ONE OR TWO DIGIT TYPO MISTAKES.                                                
                                                                                
 IN A SMALL NUMBER OF CASES, HOWEVER, THE INFORMATION IN THE FILE VARIATION     
 SECTION MAY SIGNIFICANTLY CONFLICT WITH WHAT THE PROPRIETOR HAS GIVEN YOU,     
 AND YOU MAY FIND THAT A MORE THOROUGH REVIEW OF THE PROPRIETOR IS NECESSARY.   
                                                                                
                                                                                
                                                                                
PAGE  RPT DATE      TIME        PORT        TYPE                                
  5   03-02-90    08:40:13      BC99        SBAR          219                   
- --------------------------------------------------------------------------------
 PRINCIPAL NAME/ADDRESS    BUSINESS NAME/ADDRESS   EMPLOYER NAME/ADDRESS        
- --------------------------------------------------------------------------------
 JOHN Q PROPRIETOR         PROPRIETOR CO           AJAX HARDWARE                
 10655 BIRCH ST            604 BAKER ST            2035 BROADWAY                
 BURBANK CA 91501          STUDIO CITY CA 90485    LOS ANGELES CA 90019         
                                                                                
 LAST UPDATE 12-89         AS ACCESSED 03-90       LAST UPDATE 06-88            
- --------------------------------------------------------------------------------
                                                                                
                      FILE VARIATION REFERENCES (CONTINUED)                     
                      -------------------------------------                     
                                                                                
 YOU CAN SEE WHICH TRADE LINES, PUBLIC RECORD DATA, AND INQUIRIES ARE           
 ASSOCIATED WITH SPECIFIC FILE VARIATIONS IN TRW'S FILE BY MATCHING THE FILE    
 VARIATION REFERENCES IN THE BODY OF THE REPORT TO THE ONES CONTAINED IN THE    
 FILE VARIATION REFERENCE SECTION.                                              
                                                                                
                               CONSUMER STATEMENT                               
                               ------------------                               
                                                                                
 CONSUMERS MAY ADD EXPLANATIONS TO THEIR CREDIT REPORTS IN ACCORDANCE WITH THE  
 FAIR CREDIT REPORTING ACT AND STATE REPORTING LAWS. THESE STATEMENTS APPEAR AT 
 THE END OF THE REPORT.                                                         
                                                                                
 THE INFORMATION CONTAINED IN THIS SMALL BUSINESS ADVISORY REPORT IS            
 FURNISHED IN CONFIDENCE AND MUST BE USED EXCLUSIVELY FOR LEGITIMATE            
 COMMERCIAL CREDIT PURPOSES. THE INFORMATION SHALL NOT BE REPRODUCED.           
 NEITHER TRW INC., NOR ITS SOURCES OR DISTRIBUTORS WARRANT SUCH                 
 INFORMATION NOR SHALL THEY BE LIABLE FOR YOUR USE OR RELIANCE UPON IT.         
                                               COPYRIGHT (C) 1990 TRW INC.      
 **END SMALL BUSINESS ADVISORY REPORT**                                         

Back to the master Table of Contents.