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HUMAN CAPITAL SCORE™ WEB SERVICE INTERFACE DOCUMENT This document provides a high level explanation of the public facing web interface to get the Human Capital Score. © People Capital, 2010

Human Capital Score API for Lenders

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HUMAN CAPITAL SCORE™

WEB SERVICE INTERFACE DOCUMENT

This document provides a high level explanation of the public facing web interface to get the Human Capital Score™.

© People Capital, 2010

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CONTENTS Introduction ......................................................................................................................... 4

Human Capital Score™ Web Service ............................................................................. 4

People Capital’s Human Capital Score™ output provides: ............................................ 4

Key Benefits to the User ............................................................................................. 4

Key Benefits to the Company ..................................................................................... 5

Summary ............................................................................................................................. 6

Connection .......................................................................................................................... 6

Services ............................................................................................................................... 7

HCSCreditScoreLookupWcf.svc .................................................................................... 7

HCSCreditScoreWcf.svc ................................................................................................ 7

Appendix ............................................................................................................................. 9

Services ........................................................................................................................... 9

HcsCreditScoreLookupWcf ........................................................................................ 9

HcsCreditScoreWcf .................................................................................................... 9

Service Contracts .......................................................................................................... 10

HcsCreditScore ......................................................................................................... 10

HcsCreditScoreLookup ............................................................................................. 10

Operations ..................................................................................................................... 11

CalculateScore .......................................................................................................... 11

GetCreditScoreResults .............................................................................................. 11

GetCurrentVersion .................................................................................................... 11

GetSchoolInfo ........................................................................................................... 11

GetTestInfo ............................................................................................................... 12

GetAddressTypeInfo ................................................................................................. 12

GetDegreeInfo........................................................................................................... 12

GetSchoolLevelInfo .................................................................................................. 12

GetFieldOfStudyInfo ................................................................................................ 12

GetSchoolDegreeInfo ............................................................................................... 13

Messages ....................................................................................................................... 13

CalculateScoreMsgRequest ...................................................................................... 13

CalculateScoreMsgResult ......................................................................................... 13

GetCreditScoreResultsMsgRequest .......................................................................... 13

GetCreditScoreResultsMsgResult............................................................................. 13

GetCurrentVersionMsgRequest ................................................................................ 14

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GetCurrentVersionMsgResult................................................................................... 14

GetSchoolInfoMsgRequest ....................................................................................... 14

GetSchoolInfoMsgResult .......................................................................................... 14

GetTestsInfoMsgRequest .......................................................................................... 14

GetTestsInfoMsgResult ............................................................................................ 14

GetAddressTypeMsgRequest ................................................................................... 14

GetAddressTypeMsgResult ...................................................................................... 14

GetDegreeMsgRequest ............................................................................................. 15

GetDegreeMsgResponse ........................................................................................... 15

GetSchoolLevelMsgRequest..................................................................................... 15

GetSchoolLevelMsgResponse .................................................................................. 15

GetFieldOfStudyMsgRequest ................................................................................... 15

GetFieldOfStudyResponse ........................................................................................ 15

GetSchoolDegreeMsgRequest .................................................................................. 15

GetSchoolDegreeMsgResponse ................................................................................ 15

Data Contract ................................................................................................................ 17

CreditScoreRequest................................................................................................... 17

PersonalAddressCollection ....................................................................................... 17

SchoolCollection ....................................................................................................... 17

TestCollection ........................................................................................................... 17

PersonalInfo .............................................................................................................. 17

PersonalAddress ........................................................................................................ 17

Test ............................................................................................................................ 17

School ....................................................................................................................... 18

FieldOfStudyCollection ............................................................................................ 18

FieldOfStudy ............................................................................................................. 18

CreditScoreResult ..................................................................................................... 18

IncomeProjectionCollection ..................................................................................... 18

IncomeProjection ...................................................................................................... 18

HCSScoreCollection ................................................................................................. 18

HCSScore .................................................................................................................. 18

LookupGetInfo .......................................................................................................... 19

LookupCurrentHCSVersion ..................................................................................... 19

LookupTestCollection............................................................................................... 19

LookupTest ............................................................................................................... 19

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LookupFieldOfStudyCollection ................................................................................ 19

LookupFieldOfStudy ................................................................................................ 19

LookupSchoolCollection .......................................................................................... 19

LookupSchool ........................................................................................................... 19

LookupSchoolDegreeCollection ............................................................................... 19

LookupSchoolDegree ............................................................................................... 19

LookupAddressTypeCollection ................................................................................ 20

LookupAddressType ................................................................................................. 20

LookupDegreeCollection .......................................................................................... 20

LookupDegree........................................................................................................... 20

LookupSchoolLevelCollection ................................................................................. 20

LookupSchoolLevel .................................................................................................. 20

FaultContracts ............................................................................................................... 22

CalcValidationError .................................................................................................. 22

CreditScoreResultFault ............................................................................................. 22

GeneralFaultDC ........................................................................................................ 22

Append WSDLs ................................................................................................................ 22

HCSCreditScoreLookupWcf.svc .................................................................................. 22

HcsCreditScoreLookupWcf.wsdl HCSLookup.wsdl ..................................................... 22

HCSCreditScoreWcf.svc .............................................................................................. 22

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INTRODUCTION

Human Capital Score™ Web Service

People Capital’s Human Capital Score™ provides powerful new insights to Student Loan

analysis by evaluating a student’s academic attributes to determine their ability to earn

income and the capacity to repay a loan.

People Capital’s Human Capital Score™ Web Service allows you to seamlessly interface

with People Capital’s Human Capital Score™ calculator and integrate the output into

your existing systems and end-user desktop applications.

Output from People Capital’s Human Capital Score™ calculator is now available for

real-time redistribution into your own customized applications. Using your interface to

access Human Capital Score™ output means you have greater control, superior flexibility

and a more effective working environment.

People Capital’s Human Capital Score™ output provides:

Future income projections for the 10 years post graduation: This allows the

classification of students into various risk categories which lenders can use to

consider the capacity of a given group of college students to repay loans of long-

and short maturities. The projected income shortly after graduation is a good

indicator of short term capacity to pay. Longer-term loans can be assessed by

looking at predicted income over a longer period. For benchmarking purposes, we

provide a Human Capital Score™ for students for the period 2 years and 8 years

post-graduation.

Ranges of the income predictions: The Human Capital Score™ offers broad

ranking categories as well as measures of ranges of possible income paths. This

makes it possible to evaluate the likelihood that income will fall below a certain

threshold in a given year, or that average income will fall below a certain

threshold in the 10 years following graduation.

Scores tailored to specific circumstances: Not all loans are the same. There is a

world of difference for a medical student between having to repay a short-term

loan within a few years of graduating from his or her undergraduate institution,

and having to repay a loan that has deferred payments not coming due until 10

years later. The Human Capital Score™ takes into consideration debt-to-income

ratios to better inform your loan analysis.

Key Benefits to the User Human Capital Score™ integrated into your own applications.

~ 5 ~

Real-time delivery to your desktop

Accessible anywhere with an internet connection

Data can be stored locally, increasing client access speed

Key Benefits to the Company Seamless integration into your existing systems and desktop applications

Quick and easy to set up

Highly flexible tool

Allows clients to customize their own sites at enterprise level through to end user

level

Deploy and manage information more effectively

~ 6 ~

SUMMARY This document will outline the interaction to the Human Capital Score Web

Service interface. In order to utilize this interface you will need the following keys:

1) Company ID, which will be in the form of a GUID

2) Certificate from People Capital’s Certificate Authority

In order to get these pieces of information, please contact People Capital.

CONNECTION URLs:

https://www.humancapitalscore.com/HCS/HcsCreditScore.svc

https://www.humancapitalscore.com/HCS/HcsLookup.svc

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SERVICES Two entry points are provided to gain access to this service. The first,

“HCSCreditScoreLookupWcf”, provides access to all the lookup values that will be

consumed for the call to the calculator. While this service can be utilized to populate

your input forms directly, our suggestion would be to cache this data. The data for a

given version will not change once it is posted on the web site. And new versions will not

be posted more than once a day.

The second entry point is for the main calculator “HCSCreditScoreWcf”. This

service will take your company’s unique identification GUID and the rest of the input

parameters.

Below is a high level outline of the service contracts, however please see the

appendix or embedded WSDL for the details.

HCSCreditScoreLookupWcf.svc Service Contract Operation Summary

HcsCreditScoreLookup GetCurrentVersion Will return the most current version of

the inputs for your company

HcsCreditScoreLookup GetSchoolInfo Will return all school info for the given

version number

HcsCreditScoreLookup GetTestInfo Will return all tests for the given

version number

HcsCreditScoreLookup GetAddressTypeInf

o

Will return all address types for the

given version number

HcsCreditScoreLookup GetDegreeInfo Will return all degrees for the given

version number

HcsCreditScoreLookup SchoolLevelInfo Will return all school levels for the

given version number

HcsCreditScoreLookup GetFieldOfStudyInf

o

Will return all field of studies for the

given version number

HcsCreditScoreLookup GetSchoolDegree Will return all joining for the school

and degree combination for the given

version number. Currently not used for

the calculator

HCSCreditScoreWcf.svc Service Contract Operation Summary

HcsCreditScore CalculateScore This operation will accept all the necessary

inputs to start the calculation of the HCS

credit scores as well as your company’s

unique id. The return will be a GUID that

will be your record identifier for the

GetCreditScoreResult Operation.

HcsCreditScore GetCreditScoreResult This operation will accept your company’s

unique id as well as the record identifier.

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The results will be returned in two

collections*. These collections will contain

the future income projections and

HCSScore. The results will be stored for 7

days. Collections will be limited based on the level of service for your company

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APPENDIX

Services

HcsCreditScoreLookupWcf Service Contracts

o HcsCreditScoreLookup

Address

o https://www.humancapitalscore.com/HCS/HcsLookup.svc

HcsCreditScoreWcf Service Contracts

o HcsCreditScore

Address

https://www.humancapitalscore.com/HCS/HcsCreditScore.svc

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Service Contracts

HcsCreditScore Service: HcsCreditScoreWcf

Operations:

o CalculateScore

o GetCreditScoreResults

HcsCreditScoreLookup Service: HcsCreditScoreLookupWcf

Operations:

o GetCurrentVersion

o GetSchoolInfo

o GetTestInfo

o GetAddressTypeInfo

o GetDegreeInfo

o GetSchoolLevelInfo

o GetFieldOfStudyInfo

o GetSchoolDegreeInfo

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Operations

CalculateScore Service Contract

o HcsCreditScore

Messages

o Inbound

CalculateScoreMsgRequest

o Outbound

CalculateScoreMsgResult

Faults

o GeneralFault - GeneralFaultDC

GetCreditScoreResults Service Contract

o HcsCreditScore

Messages

o Inbound

GetCreditScoreResultsMsgRequest

o Outbound

GetCreditScoreResultsMsgResult

Faults

o GeneralFault – GeneralFaultDC

o ProcessingFault – CreditScoreResultFault

o ValidationFault - CalcValidationError

GetCurrentVersion Service Contract

o HcsCreditScoreLookup

Messages

o Inbound

GetCurrentVersionMsgRequest

o Outbound

GetCurrentVersionMsgResult

Faults

o GeneralFault - GeneralFaultDC

GetSchoolInfo Service Contract

o HcsCreditScoreLookup

Messages

o Inbound

GetSchoolInfoMsgRequest

o Outbound

GetSchoolInfoMsgResult

Faults

o GeneralFault - GeneralFaultDC

~ 12 ~

GetTestInfo Service Contract

o HcsCreditScoreLookup

Messages

o Inbound

GetTestsInfoMsgRequest

o Outbound

GetTestsInfoMsgResult

Faults

o GeneralFault - GeneralFaultDC

GetAddressTypeInfo Service Contract

o HcsCreditScoreLookup

Messages

o Inbound

GetAddressTypeMsgRequest

o Outbound

GetAddressTypeMsgResult

Faults

o GeneralFault - GeneralFaultDC

GetDegreeInfo Service Contract

o HcsCreditScoreLookup

Messages

o Inbound

GetDegreeMsgRequest

o Outbound

GetDegreeMsgResponse

Faults

o GeneralFault - GeneralFaultDC

GetSchoolLevelInfo Service Contract

o HcsCreditScoreLookup

Messages

o Inbound

GetSchoolLevelMsgRequest

o Outbound

GetSchoolLevelMsgResponse

Faults

o GeneralFault - GeneralFaultDC

GetFieldOfStudyInfo Service Contract

o HcsCreditScoreLookup

Messages

~ 13 ~

o Inbound

GetFieldOfStudyMsgRequest

o Outbound

GetFieldOfStudyResponse

Faults

o GeneralFault - GeneralFaultDC

GetSchoolDegreeInfo Service Contract

o HcsCreditScoreLookup

Messages

o Inbound

GetSchoolDegreeMsgRequest

o Outbound

GetSchoolDegreeMsgRespones Faults

o GeneralFault - GeneralFaultDC

Messages

CalculateScoreMsgRequest Operation

o CalculateScore

Parts

o FinancialInstituteId – GUID

Unique ID provided by People Capital

o CreditScoreRequest - DataContract

CalculateScoreMsgResult Operation

o CalculateScore

Parts

o CreditScoreId – GUID

Unique ID provided by the submission of a calculation request

GetCreditScoreResultsMsgRequest Operation

o GetCreditScoreResults

Parts

o FinancialInstituteId – GUID

Unique ID provided by People Capital

o CreditScoreId – GUID

Unique ID provided by the submission of a calculation request

GetCreditScoreResultsMsgResult Operation

o GetCreditScoreResults

Parts

o CreditScoreResult - DataContract

~ 14 ~

GetCurrentVersionMsgRequest Operation

o GetCurrentVersion

Parts

o FinancialInstituteId – GUID

Unique ID provided by People Capital

GetCurrentVersionMsgResult Operation

o GetCurrentVersion

Parts

o CurrentVersion – Int32

The current version of parameter lookup fields. If this number

changes, please grab all new values

GetSchoolInfoMsgRequest Operation

o GetSchoolInfo

Parts

o GetInfo – DataContract

GetSchoolInfoMsgResult Operation

o GetSchoolInfo

Parts

o Schools – DataContract

GetTestsInfoMsgRequest Operation

o GetTestInfo

Parts

o GetInfo – DataContract

GetTestsInfoMsgResult Operation

o GetTestInfo

Parts

o Tests – DataContract

GetAddressTypeMsgRequest Operation

o GetAddressTypeInfo

Parts

o GetInfo – DataContract

GetAddressTypeMsgResult Operation

o GetAddressTypeInfo

Parts

~ 15 ~

o AddressTypes – DataContract

GetDegreeMsgRequest Operation

o GetDegreeInfo

Parts

o GetInfo – DataContract

GetDegreeMsgResponse Operation

o GetDegreeInfo

Parts

o Degrees – DataContract

GetSchoolLevelMsgRequest Operation

o GetSchoolLevelInfo

Parts

o GetInfo – DataContract

GetSchoolLevelMsgResponse Operation

o GetSchoolLevelInfo

Parts

o SchoolLevels – DataContract

GetFieldOfStudyMsgRequest Operation

o GetFieldOfStudyInfo

Parts

o GetInfo – DataContract

GetFieldOfStudyResponse Operation

o GetFieldOfStudyInfo

Parts

o FieldOfStudys – DataContract

GetSchoolDegreeMsgRequest Operation

o GetSchoolDegreeInfo

Parts

o GetInfo – DataContract

GetSchoolDegreeMsgResponse Operation

o GetSchoolDegreeInfo

Parts

~ 16 ~

o SchoolDegrees – DataContract

~ 17 ~

Data Contract * - Indicates value from the lookup interface

DC – Indicates another Data Contract

CreditScoreRequest Members

o SchoolCollection - DC

o TestCollection - DC

o Version* – Int32

Version of lookup values in submission. Must be a valid value.

o PersonalAddressCollection - DC

o PersonalInfo - DC

PersonalAddressCollection Members

o PersonalAddress[] - DC

SchoolCollection Members

o School[] - DC

TestCollection Members

o Test[] - DC

PersonalInfo Members

o PersonalId – string

[WARNING]: Please DO NOT provide Social Security Numbers

for Unique Borrower IDs. If this is a current requirement for your

Unique Borrower IDs, please contact People Capital beforehand.

o BirthDate – DateTime

The birthdate of the person making the loan.

PersonalAddress Members

o PostalCode – String

Zip code for the address type entered. Validated against standard

US formats.

o AddressTypeId* – Int32

The id must come from the lookup provided the lookup service.

Test Members

o TestId * - Int32

The id must come from the lookup provided the lookup service

o Score – Int16

The score of the test. This will be validated against standard test

score ranges.

~ 18 ~

School Members

o SchoolId – Int32

The id must come from the lookup provided the lookup service

o FieldOfStudyCollection – DC

o GPA – Double

GPA of the student

o StatusId * - Int32

The id must come from the lookup provided the lookup service

o GradYear – Int32

o DegreeId * - Int32

The id must come from the lookup provided the lookup service

FieldOfStudyCollection Members

o FieldOfStudy[] - DC

FieldOfStudy Members

o DegreeId * - Int32

The id must come from the lookup provided the lookup service

o IsMajor – Boolean

o GPA - Double

CreditScoreResult Members

o IncomeProjectionCollection – DC

o HCSScoreCollection - DC

IncomeProjectionCollection Members

o IncomeProjection[] - DC

IncomeProjection Members

o YearsOut – Int32

o MiddleAmount – Decimal

o HighAmount – Decimal

o LowAmount - Decimal

HCSScoreCollection Members

o HCSScoreCollection - DC

HCSScore Members

o Score – decimal

o YearsOut – Int32

~ 19 ~

LookupGetInfo Members

o FinancialInstituteId – GUID

Unique ID provided by People Capital

o HCSVersionNumber – Int32

Lookup Value current version

LookupCurrentHCSVersion Members

o HCSVersionNumber – Int32

LookupTestCollection Members

o LookupTest[] – DC

LookupTest Members

o TestId – Int32

o TestName - string

LookupFieldOfStudyCollection Members

o LookupFieldOfStudy[] - DC

LookupFieldOfStudy Members

o FieldOfStudyId – Int32

o FiledName - string

LookupSchoolCollection Members

o LookupSchool[] - DC

LookupSchool Members

o SchoolId – Int32

o SchoolName – string

o SchoolLevelId* – Int32

o State - string

LookupSchoolDegreeCollection Members

o LookupSchoolDegree[] - DC

LookupSchoolDegree Members

o SchoolDegreeId – Int32

o DegreeId* – Int32

o SchoolId* – Int32

~ 20 ~

LookupAddressTypeCollection Members

o LookupAddressType[] - DC

LookupAddressType Members

o AddressTypeId – Int32

o AdressTypeName - string

LookupDegreeCollection Members

o LookupDegree[] - DC

LookupDegree Members

o DegreeId – Int32

o DegreeName - string

LookupSchoolLevelCollection Members

o LookupSchoolLevel[] - DC

LookupSchoolLevel

~ 21 ~

Members

o LevelId – Int32

o LevelName - string

~ 22 ~

FaultContracts

CalcValidationError Members

o ErrorId – Int32

o ErrorMessage – string

CreditScoreResultFault Members

o CalcUnderway – bool

o CalcInError – bool

o ErrorMessage – string

GeneralFaultDC Members

o ErrorId – int32

o Message - string

APPEND WSDLS

HCSCreditScoreLookupWcf.svc

HcsCreditScoreLookupWcf.wsdl HCSLookup.wsdl

HCSCreditScoreWcf.svc

HcsCreditScoreWcf.wsdl HcsCreditScore.wsdl