com/press /marketaudit/

Source: Market Audit Survey Data from Q1 2005 through Q3 2005 N =12,121
Mass Affluent HHs (Investable Assets of $100K - $499K) | N=1,995
Small-Business Owners versus N=10,126 Non-Business Owners -- P$YCLE
weighted | Significant at a 95% confidence interval. In addition, they 're
more than twice as likely as average Americans to own multiple annuities
and long-term care insurance. 9 - The suburban Boomers who comprise Big Spenders are
the ultimate financial jugglers .

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About Claritas

Since 1971, San Diego-based Claritas has been the pre-eminent source of
accurate, up-to-date marketing information about people, households and
businesses within any geographic area in the United States. With teenagers at home and retirement
looming, they've managed to craft both enviable lifestyles and fat
portfolios filled with stock options, mutual funds, securities and bonds.com and
www.

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's annual consumer study. And each segment can be described
by its affinity toward specific insurance products, which is so helpful to
insurance companies. Big Spenders represents an
attractive market for a range of insurance products: term life, auto,
disability and long-term care coverage.

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integrasconsulting.claritas.

School Daze, No.

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In
addition to conducting five syndicated surveys (Insurance Audit, Market
Audit, Convergence Audit, Consumer Electronics Monitor and Restaurant
Audit), the Customer Research and Targeting business unit of Integras
conducts custom primary market research on behalf of their clients. "They paid
special attention to two hot insurance markets: households with children
and the large cohort of retiring boomers. Its target
marketing services are aimed at reducing the cost of customer acquisition
and growing customer value.

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About Integras

Formed in January 2003, Integras provides high-end analytical consulting
and advanced decision support for marketing and location strategy.

locational micromarketing

"Not only is this a large and growing segment overall, but this sub-segment
of small business owners within the Mass Affluent segment is highly
profitable. Claritas is a
division of VNU, a world-leading information and media company that
includes ACNielsen, Nielsen Media Research, Spectra Marketing Systems and
Scarborough Research, among others.

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com. The result will allow companies to
serve the financial needs of U. 23 - A collection of large, suburban households, School
Daze represents one of the nation's best markets for borrowing.

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"No other company in the world works with the amount of data that we do,"
said Claritas President & CEO Robert Nascenzi. To learn more about Claritas and VNU
products and services visit their web sites at www.

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For
more information about these and other Integras services visit
www. Claritas offers industry-leading consumer
segmentation systems, consulting services and software applications for
site analysis, advertising sales and customer targeting. With
P$YCLE NE, insurance companies will now be able to predict a household's
insurance activity, not just its income bracket .

This idea allows one to build mathematical models predicting likely purchasing behaviour.

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Further, Mass Affluent Small Business Owners are more likely than
the remaining Mass Affluent households to maintain a non-interest checking
account, variable interest money market account, mortgage, home equity line
of credit (HELOC), personal loan and direct auto loan.6 percent versus 51.

Big Spenders, No.

The basic principle is that people who live in similar areas will, to some degree , have similar purchasing power and spending habits.

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8 percent of those households report that they
have their business accounts at the same institution as their personal
accounts., Integras combines sophisticated quantitative
analysis with the broadest array of consumer and business data available in
the United States to help companies make better strategic decisions.com.VNU.

Whereas other companies
rely on the Federal Reserve Survey of Consumer Finance of fewer than 5,000
people for their models, P $YCLE NE reflects the real-world behavior of
consumers from four national syndicated surveys: Claritas ' Insurance
Audit, Market Audit, and Convergence Audit, as well as Mediamark
Research Inc.

Reflecting the increasing diversity of how Americans behave in the
financial marketplace, the P$YCLE NE system increased in size, from 42 to
58 distinct segments. Being in their early childrearing
years, they're also a prime audience for term life insurance, which they
tend to buy from independent agents whenever a new child is born.

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Financial institutions can tap P$YCLE NE to make a range of marketing
decisions -- from customer acquisition and retention to cross-selling and
media planning . "Our modelers dug deep to differentiate America,"
said Candace Curls, Claritas Assistant Vice President /Insurance Practice
Leader, and a Board Member of the Society of Insurance Research.

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1 percent of all Mass Affluent households, which are
defined as having Investable Assets of $100,000 to $499,999, own a small
business. In addition, 67.claritas.

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announced today the
introduction of P$YCLE NE (New Evolution), the latest and most advanced
segmentation system available to the financial services industry.

Based on the financial behavior of nearly 450,000 consumers, P$YCLE NE was
created using the largest database of household-level consumer records of
any financial segmentation system in the nation.VNU.

The information for this analysis is usually derived from a database of lifestyle surveys and/or census demographics.

microgis geographics

8 percent)
-- Credit levels -- $25,000-plus (62.

From a demographic standpoint, the analysis also found that small business
owners are slightly younger , better educated and have higher annual incomes
(primarily due to a higher percentage of households with two full-time
working adults) when compared to the Mass Affluent households that do not
own a business. Claritas is a
division of VNU, a world-leading information and media company that
includes ACNielsen, Nielsen Media Research, Spectra Marketing Systems and
Scarborough Research, among others .

With the new system, marketers can link their own research to the numerous
financial market behaviors in P$YCLE NE, creating a brand-specific, single
customer definition usable by every business unit in their company. These senior singles and couples,
typically living in large suburban homes , tend to be fiscally conservative:
They rank at the top for having corporate/municipal bonds, government
securities, fixed-rate annuities and savings accounts.
Six-figure incomes help, but they also rank at the top for using home
equity lines of credit and second mortgages.

About Claritas

Since 1971, San Diego-based Claritas has been the pre-eminent source of
accurate, up-to-date marketing information about people, households and
businesses within any geographic area in the United States.

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This makes them the low-hanging fruit if the bank's product and
service mix can support their needs," said Integras Consultant Julie
Pabich.1 percent versus 74. Its target
marketing services are aimed at reducing the cost of customer acquisition
and growing customer value. 4 - One of the oldest financial segments, Golden Agers is
a collection of over-65-year-olds who've amassed income -producing assets at
the second highest level in the nation.

Micromarketing uses information about local areas for applications such as targeting direct marketing, analysing customer loyalty, branch location, planning merchandise mix,or turnover forecasts.

pmd geomarketing

PRESS RELEASE Mass Affluent Small Business Owners Present a Strong Opportunity for Banks

As for deposits and credit levels, the Mass Affluent Small Business Owners
are significantly more likely to carry higher amounts compared to the
remaining mass affluent segment, according to the analysis, which showed
the following:

-- Deposit levels -- $25,000-plus (78.com and
www.

PRESS RELEASE Claritas Introduces Powerful New P$YCLE(R) Segmentation System for Insurance Companies

households in all their diversity.

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A
division of Claritas Inc.
Classifying Americans into 58 financial behavior segments, P$YCLE NE
represents a significant improvement over other industry segmentation
systems that largely rely on demographic data like age and income."

Among the nation's variety of insurance consumers, some of the more
colorful segments are:

Golden Agers, No.com.

turnover segmentation

In an increasingly competitive financial
environment where banks are aggressively vying for the highly coveted
affluent market, a recent analysis of Market Audit survey data suggests
there is opportunity in what is known as the Mass Affluent segment --
specifically among small business owner households. The Market Audit is a
comprehensive survey of household financial behavior fielded by Integras,
the advanced analytical services division of market research leader
Claritas Inc. To learn more about Claritas and VNU
products and services visit their web sites at www.S.

turnover claritas

The analysis showed 16. "To create P$YCLE NE, we had
access to the financial experiences, demographics and lifestyles of
hundreds of thousands of Americans.

It's a
great achievement.

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claritasmarketing. These
upper-middle-class families score near the top for having first mortgages,
home improvement loans and auto loans.

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Continuing its leadership role in creating
innovative segmentation systems, Claritas Inc."

The assessment and rebuilding of the P$YCLE system, a yearlong effort,
reflects Claritas' dedication to accuracy and innovation , which have kept
the company at the forefront of financial services marketing. Claritas offers industry -leading consumer
segmentation systems, consulting services and software applications for
site analysis, advertising sales and customer targeting.

zipcodes geographics

See Graph: Mass Affluent Households

http: //www.4 percent)

"Securing the loyalty of this segment will be key to gaining and retaining
the maximum share of their wallets," Pabich said. The result is the most efficient
financial household -level target-marketing tool now accessible to insurance
companies.