| Description | All Card Holders | Cluster 2 | Cluster 3 | Cluster 5 | Cluster 6 | Cluster 7 | Cluster 57 | Cluster 59 | Cluster 60 |
| Number of Instances | 892 | 75 | 182 | 83 | 83 | 469 | 277 | 94 | 83 |
| Percentage Distributions within Clusters by AGE | |||||||||
| Youth | 21% | 12% | 0% | 98% | 0% | 20% | 0% | 100% | 0% |
| Adult | 21% | 24% | 0% | 0% | 94% | 19% | 0% | 0% | 93% |
| Middle Age | 56% | 60% | 100% | 0% | 0% | 59% | 100% | 0% | 0% |
| Senior | 2% | 4% | 0% | 1% | 6% | 2% | 0% | 0% | 6% |
| Percentage Distributions within Clusters by GENDER | |||||||||
| Female | 47% | 100% | 100% | 100% | 100% | 0% | 0% | 0% | 0% |
| Male | 53% | 0% | 0% | 0% | 0% | 100% | 100% | 100% | 100% |
| Percentage Distributions Within Clusters by FREQUENCY OF ISSUANCE OF STATEMENTS | |||||||||
| Weekly Issuance | 8% | 7% | 7% | 10% | 4% | 8% | 8% | 8% | 4% |
| Monthly Issuance | 90% | 92% | 89% | 89% | 94% | 90% | 90% | 91% | 96% |
| Post-Transaction Issuance | 2% | 1% | 4% | 1% | 2% | 2% | 2% | 1% | 2% |
| Percentage Distributions Within Clusters by YEAR ACCOUNT WAS OPENED | |||||||||
| 1993 | 24% | 25% | 25% | 26% | 19% | 24% | 25% | 21% | 19% |
| 1994 | 10% | 13% | 8% | 7% | 14% | 10% | 10% | 6% | 14% |
| 1995 | 16% | 12% | 13% | 12% | 14% | 19% | 16% | 24% | 14% |
| 1996 | 30% | 28% | 32% | 32% | 37% | 27% | 27% | 27% | 37% |
| 1997 | 20% | 17% | 20% | 21% | 14% | 20% | 19% | 20% | 14% |
| Percentage Distributions Within Clusters by CLIENT DISTRICT ID | |||||||||
| District 1 | 15% | 16% | 17% | 12% | 11% | 14% | 14% | 16% | 11% |
| All Other Districts | 1 - 4% | 1 - 3% | 1 - 3% | 1 - 3% | 1 - 6% | 1 - 3% | 1 - 3% | 1 - 3% | 1 - 6% |
| Mean Value of AVERAGE BALANCE | |||||||||
| Mean | 51653.23 | 54304.88 | 51668.22 | 46762.24 | 51136.43 | 52179.92 | 53217.44 | 48965.39 | 51136.43 |
| Std. Deviation | 11109.32 | 12241.39 | 9367.23 | 13780.03 | 10064.00 | 10983.18 | 11055.47 | 11241.49 | 10064.01 |
| Median | 51292.00 | 54205.72 | 51580.11 | 43661.80 | 50401.42 | 51449.19 | 52323.52 | 48804.16 | 50401.42 |
| Percentage Distributions Within Clusters by NO LOAN FOR ACCOUNT | |||||||||
| No Loan for Account | 81% | 72% | 80% | 88% | 81% | 81% | 82% | 85% | 81% |
| For Accounts with Loans: Percentage Distributions Within Clusters by LOAN STATUS | |||||||||
| Good Status (A or C) | 100% | 100% | 100% | 80% | 100% | 96% | 100% | 100% | 100% |
| Good Status (A or C) | 0% | 0% | 0% | 20% | 0% | 4% | (0.03)% | 0% | 0% |
| Percentage Distributions Within Clusters by NUMBER OF USERS PER ACCOUNT | |||||||||
| Single | 83% | 0% | 100% | 100% | 100% | 83% | 82% | 88% | 100% |
| Joint | 17% | 100% | 0% | 0% | 0% | 17% | 18% | 12% | 0% |
| Percentage Distributions Within Clusters by CARDTYPE | |||||||||
| Junior | 17% | 10% | 0% | 74% | 1% | 16% | 0% | 78% | 1% |
| Classic | 74 | 80% | 91% | 21% | 88% | 73% | 86% | 18% | 88% |
| Gold | 10% | 10% | 9% | 4% | 11% | 11% | 13% | 3% | 11% |