Cendant Reports Better than Projected Fourth Quarter 2001 Results; Raises 2002 Projections

4Q 2001 Adjusted EPS of $0.23 Exceeds Current Projection by $0.02 4Q 2001 Adjusted EBITDA Increases 30% to $571 Million vs. 4Q 2000

Adjusted EPS $0.23 in 4Q 2001 vs. $0.22 in 4Q 2000 Reported EPS ($0.31), Including Previously Announced Charges, in 4Q 2001 vs. $0.20 in 4Q 2000

Company Increases 2002 Projected Adjusted EPS by $0.03 to $1.29, a 23% Increase Over 2001

Press Release: Cendant Corporation
February 7, 2002
NEW YORK, NY -- Cendant Corporation (NYSE: CD) yesterday reported better than expected fourth quarter 2001 adjusted results and raised its adjusted earnings projection for 2002 by $0.03 to $1.29, a 23% increase over 2001. Adjusted earnings per share was $0.23 in the fourth quarter and reported loss per share was $0.31 (adjusted EPS excludes non-recurring or unusual items and the effect of an equity ownership in Homestore.com).

``We are pleased to report adjusted earnings per share for the fourth quarter ahead of the revised projections we announced on December 10, as our mortgage and travel distribution businesses outperformed our expectations,'' said Cendant Chairman, President and Chief Executive Officer, Henry R. Silverman. ``Additionally, we are confident that we will meet or exceed our raised 2002 projection based on recent trends in our businesses, in particular, the continuing recovery in travel.''

2002 Full Year Outlook

Based on its current view, and absent major additional external disruptions, the Company continues to expect cash flow and EBITDA to increase significantly in 2002 compared with 2001. The Company has increased its projection of 2002 adjusted EPS to $1.29 based on positive operating results and a reduction in the expected 2002 tax rate to 33%, resulting from additional income from non-U.S. sources due to the growth of the Company's operations outside the United States.

    Fourth Quarter 2001 and Recent Activities
    Consistent with its strategic agenda, the Company announced several events
during the quarter:
     * The completion in October 2001 of the acquisition of Galileo
       International, Inc., a leading provider of electronic computer
       reservation services for the travel industry, for approximately
       $1.8 billion in common stock and cash plus the repayment of
       approximately $540 million of Galileo's existing net debt. The
       transaction was immediately accretive to adjusted earnings per share,
       and is expected to be significantly more accretive as air travel
       continues to rebound.
     * The completion in October 2001 of the acquisition of Cheap Tickets,
       Inc., a leading seller of discount leisure travel products, for a net
       purchase price of approximately $280 million.
     * The increase in October 2001 of the Company's revolving credit
       facilities to $2.9 billion (not including $1.9 billion of credit
       facilities related to our PHH subsidiary) and the repayment of
       $810 million of debt.
     * The pending acquisition of Equivest Finance, Inc., which markets and
       sells vacation ownership interests, for approximately $98 million in
       cash, plus the repayment of approximately $60 million of existing
       corporate debt.
     * The formation of a ten year, $1.4 billion technology services
       relationship with IBM, under which IBM will manage IT data operations,
       desktop support and other IT services for Cendant, resulting in
       significant annual cost reductions.
     * The issuance of $1.2 billion of convertible senior debentures due
       November 2011 in a private offering to qualified institutional buyers.
       The notes are convertible, under certain circumstances, into Cendant
       common stock at a price per share of $24.05.  Proceeds from the notes
       have been or will be used to repay the Company's 3% $550 million
       subordinated convertible notes due in February 2002 and to prepay a
       portion of the principal securities class action litigation settlement.
       (See Table 7 for a schedule of the Company's debt outstanding at
       December 31, 2001 and 2000 and the related conversion features on the
       Company's convertible securities.)


Fourth Quarter Segment Results

The underlying discussion of operating results addresses segment revenue and adjusted EBITDA, which is defined as earnings before non-operating interest, income taxes, non-vehicle depreciation and amortization, minority interest and equity in Homestore.com, adjusted to exclude certain items that are of a non-recurring or unusual nature and are not measured in assessing segment performance or are not segment specific. Such discussion is the most informative representation of how management evaluates performance and allocates resources.

In connection with the acquisition of Galileo International, Inc. in October 2001, the Company has realigned the operations and management of certain of its businesses and accordingly the Company has added a new Travel Distribution segment to its segment structure. In the fourth quarter of 2001, the Company had the following reportable operating segments: Real Estate Services (consisting of the Company's real estate brands, mortgage and relocation services); Hospitality (consisting of the Company's nine lodging brands, timeshare exchange and interval sales, and cottage rental); Travel Distribution (consisting of electronic global distribution services for the travel industry and travel agency-related services); Vehicle Services (consisting of car rental, vehicle management services and car park services); and Financial Services (consisting of individual membership products, insurance-related services, financial services enhancement products and tax preparation services). Additionally, Corporate and Other includes unallocated corporate overhead and the operating results of certain other non-strategic business units, most of which have been disposed. (See Table 2 for Revenues and Adjusted EBITDA by Segment for fourth quarter and full year 2001 and 2000; Table 4 for Segment Revenue Driver Analysis for fourth quarter 2001 and 2000; and Table 5 for Revenues and Adjusted EBITDA by Segment for the quarters and full-years of 2001, 2000 and 1999.)

    Real Estate Services
                                       2001             2000        % change
    Revenues                           $532            $376           41%
    Adjusted EBITDA                    $289            $203           42%



The increase in operating results was primarily driven by a significant increase in mortgage loan production and profitability from higher levels of refinancings.

    Hospitality
                                       2001             2000        % change
    Revenues                           $369            $215           72%
    Adjusted EBITDA                    $103             $85           21%


Revenues and adjusted EBITDA increased primarily from the acquisitions of Fairfield Resorts and Holiday Cottages in 2001. RCI revenues grew due to an increase in the number of members and timeshare exchange transactions. These increases were partially offset by higher RCI staffing costs to support anticipated volume growth and lower fee income and royalties from lodging franchise operations as revenues per available room declined following September 11.

    Travel Distribution
                                       2001             2000        % change
    Revenues                           $362             $21           N/M
    Adjusted EBITDA                    $102             $ 1           N/M
    N/M = not meaningful


This segment includes the operating results of Galileo International, Inc. and Cheap Tickets Inc., which were both acquired in October 2001, and the Company's pre-existing travel agency operations. While revenues in the quarter were negatively affected by the events of September 11, the impact was not as significant as we originally estimated. Additionally, in response to September 11, we took certain management actions which we expect will result in annual cash operating savings of approximately $180 million, or more than double our original cost savings estimate.

    Vehicle Services
                                       2001             2000        % change
    Revenues                           $966            $150           N/M
    Adjusted EBITDA                     $40             $86           N/M
    N/M = not meaningful


In March 2001, the Company acquired the remaining 82% of the outstanding common shares of Avis Group Holdings that it did not already own. Segment results in 2001 include Avis' operations from the acquisition date through year end. Prior to the acquisition, revenues and adjusted EBITDA principally consisted of Avis royalties, earnings from our equity investment in Avis and the operations of National Car Parks. Avis results have been affected throughout 2001 by a general slowdown in commercial travel, which then significantly worsened due to the events of September 11. In response, the Company rightsized its operations to meet anticipated business levels, which included significant reductions in workforce and fleet.

    Financial Services
                                       2001             2000       % change
    Revenues                           $342            $345          (1%)
    Adjusted EBITDA                     $51             $71         (28%)


The decrease in adjusted EBITDA is principally due to the initial impact of outsourcing our individual membership operations to Trilegiant. Royalties to be received on new Trilegiant members will begin in the third quarter of 2002, upon expiration of the initial membership period, while the Trilegiant marketing activities, which the Company is initially supporting, are expensed as incurred. New memberships resulting from solicitation efforts in the fourth quarter of 2001 are expected to add incremental royalties to Cendant in future periods. Had the Company not incurred the expenses for Trilegiant's marketing efforts, adjusted EBITDA would have been $107 million, or 51% higher than 2000.

    Balance Sheet and Other Items
     * As of December 31, 2001, we had approximately $2.0 billion of cash and
       cash equivalents and $6.5 billion of debt and minority interest.  In
       addition, the Company has $863 million of mandatorily convertible Upper
       DECS securities.
     * As of December 31, 2001, the net debt to total capital ratio was 36%.
       The ratio of adjusted EBITDA to net interest expense (non-vehicle and
       program related) was 8 to 1 for fourth quarter 2001.
     * As of December 31, 2001, the Company had unused lines of credit of
       $2.6 billion (not including unused lines of credit of $1.1 billion
       related to our PHH subsidiary).
     * In the fourth quarter of 2001, we paid $310 million to a settlement
       trust, reducing the net outstanding funding obligation associated with
       the principal common stock class action litigation settlement at
       December 31, 2001 to $1.4 billion. We expect to completely fund the
       balance of this obligation over the next several quarters by utilizing
       the proceeds from the convertible senior debentures issued in November
       2001 and available cash flow.
     * Weighted average common shares outstanding, including dilutive
       securities, were 1.02 billion for the fourth quarter of 2001 compared
       with 757 million for fourth quarter 2000.  The increase was primarily
       from the issuance of 61 million shares in connection with the
       retirement of $1.7 billion of Feline PRIDES in February 2001, the sale
       of 46 million shares in February 2001 and the issuance of 117 million
       shares in connection with the acquisition of Galileo International in
       October 2001.
     * As it has for the last four quarters, the Company will file a
       Consolidated Schedule of Free Cash Flow, which is a simplified cash
       flow statement intended to increase investors' understanding of the
       Company's cash flow dynamics and economic growth, with the SEC on Form
       8-K next week.



Reconciliation of Fourth Quarter Adjusted EPS to Reported EPS

Adjusted EPS is a non-GAAP (generally accepted accounting principles) measure, but the Company believes that it is useful to assist investors in gaining an understanding of the trends and results of operations for the Company's core businesses. Adjusted EPS should be viewed in addition to the Company's reported results and not in lieu of reported results. Reported loss per share was $0.31 in the fourth quarter of 2001 compared with earnings per share of $0.20 in the fourth quarter of 2000. The following are the significant items reflected in reported results that are considered to be of an unusual or non-recurring nature for purposes of deriving adjusted EPS:

    Fourth Quarter 2001
     * An after tax charge of $73 million, or $0.07 per share, of which
       $28 million is non-cash, primarily related to rightsizing the Company
       in response to developments in the travel industry and the economy as a
       whole, since the attacks of September 11, 2001.
     * An after tax charge of $65 million, or $0.07 per share, related to the
       integration of Galileo International and Cheap Tickets, which were
       acquired in the fourth quarter of 2001.
     * An after tax, non-cash charge of $55 million, or $0.06 per share, to
       adjust the carrying value of the Company's mortgage servicing rights,
       caused by substantial unexpected reductions in interest rates following
       the events of September 11.
     * After tax, non-cash charges of $285 million, or $0.29 per share,
       related to the prior disposition of certain non-strategic businesses
       and investment impairments, primarily the write-off of the Company's
       investment in Homestore.com.  This impairment was caused by a
       substantial reduction in Homestore's market value and the resulting
       investment write-off substantially offset the gain recognized in the
       first quarter of 2001 on the sale of move.com to Homestore.com.
     * An after tax loss of $21 million, or $0.02 per share, related to the
       Company's proportionate ownership in Homestore.com.
     * An after tax charge of $37 million, or $0.04 per share, for litigation
       settlement and related costs.  This includes $31 million, or $0.03 per
       share, associated with the recent settlement of the largest outstanding
       claim other than the principal class action claim (which has been
       previously settled) relating to the former CUC International accounting
       irregularities.

    Fourth Quarter 2000
     * An after tax charge of $5 million, or $0.01 per share, for litigation
       settlement-related costs.
     * An after tax loss of $14 million, or $0.02 per share, related to
       move.com's operating results.



Full Year 2001 Results

Adjusted EPS was $1.05 in 2001 compared with $1.04 in 2000. Adjusted EBITDA was $2.2 billion in 2001 and $1.8 billion in 2000. Reported EPS, before extraordinary loss and cumulative effect of accounting change, was $0.45 in 2001 compared with $0.89 in 2000.

    2002 Detailed Outlook
    The Company updated the following financial projections for 2002:
     * Adjusted EBITDA is projected to be approximately $2.8 billion compared
       with $2.2 billion in 2001.
     * Depreciation and amortization (non-vehicle and program related) is
       projected to be between $460 million and $475 million compared with
       $501 million in 2001.  The decrease is principally due to the
       elimination of goodwill amortization partially offset by the 2001
       acquisitions of Galileo and Cheap Tickets.
     * Net interest expense (non-vehicle and program related) is projected to
       be between $300 million and $325 million compared with $249 million in
       2001.  The increase is principally due to the Company's 2001
       acquisitions.
     * The Company's full year 2002 tax rate on adjusted pretax income is now
       projected to be 33.0% compared with 33.2% in 2001.
     * Minority interest expense is projected to be approximately $12 million
       compared with $24 million in 2001.  The reduction is primarily a result
       of the retirement of the Feline PRIDES in February 2001.
     * Weighted average shares outstanding are projected to be between
       1.05 billion and 1.07 billion compared with 917 million in 2001.  The
       increase in the average share balance is primarily the result of the
       issuance of 117 million shares of common stock in October 2001 in
       connection with the acquisition of Galileo and the issuance in February
       2001 of contingently convertible securities with 49 million underlying
       shares of common stock.


2002 Quarterly Outlook

The Company projects adjusted EPS of $0.30 in the first quarter of 2002 compared with $0.21 in 2001 and $0.34 in the second quarter of 2002 compared with $0.30 in 2001. The Company announced the following financial projections for the first and second quarters of 2002:

The Company stated that it expects adjusted EPS to be in the range of $0.36 to $0.38 in the third quarter of 2002 compared with $0.32 in 2001, and $0.27 to $0.29 in the fourth quarter of 2002 compared with $0.23 in 2001.

Investor Conference Call

Cendant will host a conference call to discuss fourth quarter results on Thursday, February 7, 2002, at 1:00 p.m. Eastern Time. Investors may access the call live at www.Cendant.com or dial in to 913-981-4900. A web replay will be available at www.Cendant.com following the call. A telephone replay will be available from 4:00 p.m. Eastern Time on February 7, 2002 until 6:00 p.m. on February 12 at 719-457-0820, access code: 551936.

Cendant Corporation is primarily a provider of travel and residential real estate services. With approximately 60,000 employees, New York City-based Cendant provides these services to businesses and consumers in over 100 countries.

More information about Cendant, its companies, brands and current SEC filings may be obtained by visiting the Company's Web site at http://www.Cendant.com or by calling 877-4-INFOCD (877-446-3623).

Statements about future results made in this release constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on current expectations and the current economic environment. The Company cautions that these statements are not guarantees of future performance. Actual results may differ materially from those expressed or implied in the forward-looking statements. Important assumptions and other important factors that could cause actual results to differ materially from those in the forward-looking statements are specified in Cendant's Form 10-Q filed on November 14, 2001.

Such forward-looking statements include projections. Such projections were not prepared in accordance with published guidelines of the American Institute of Certified Public Accountants or the SEC regarding projections and forecasts, nor have such projections been audited, examined or otherwise reviewed by independent auditors of Cendant or its affiliates. In addition, such projections are based upon many estimates and are inherently subject to significant economic and competitive uncertainties and contingencies, many of which are beyond the control of management of Cendant and its affiliates. Accordingly, actual results may be materially higher or lower than those projected. The inclusion of such projections herein should not be regarded as a representation by Cendant or its affiliates that the projections will prove to be correct.

                                                                     Table 1
                     Cendant Corporation and Subsidiaries
               CONSOLIDATED CONDENSED STATEMENTS OF OPERATIONS
                                (In millions)
                                                              Twelve Months
                                           Three Months Ended     Ended
                                              December 31,     December 31,
                                             2001     2000    2001     2000
    Revenues
      Service fees and membership-
       related, net                        $1,657   $1,050   5,456   $4,215
      Vehicle-related                         905       81   3,426      292
      Other                                    18       38      68      152
    Net revenues                            2,580    1,169   8,950    4,659

    Expenses
      Operating                               912      320   2,937    1,350
      Vehicle depreciation, lease charges
       and interest, net                      514       --   1,799       --
      Marketing and reservation               269      223   1,021      896
      General and administrative              314      207     989      688
      Non-vehicle depreciation and
       amortization                           154       94     501      352
      Other charges:
        Restructuring and other unusual
         charges                              116       --     379      109
        Acquisition and integration
         related costs                        104       --     112       --
        Mortgage servicing rights
         impairment                            94       --      94       --
        Litigation settlement and related
         costs                                 58        8      86        2
      Non-vehicle interest, net                73       62     249      148
    Total expenses                          2,608      914   8,167    3,545

    Net loss on dispositions of
     businesses and impairment of
     investments                             (459)      (1)    (24)      (8)

    Income (loss) before income taxes,
     minority interest and
     equity in Homestore.com                 (487)     254     759    1,106
    Provision (benefit) for income taxes     (203)      86     235      362
    Minority interest, net of tax               2       23      24       84
    Losses related to equity in
     Homestore.com, net of tax                 21       --      77       --
    Income (loss) before extraordinary
     loss and cumulative effect
     of accounting change                    (307)     145     423      660
    Extraordinary loss, net of tax             --       --      --       (2)
    Income (loss) before cumulative
     effect of accounting change             (307)     145     423      658
    Cumulative effect of accounting
     change, net of tax                        --      --      (38)     (56)
    Net income (loss)                       $(307)    $145    $385     $602

    CD common stock income per share
      Basic
        Income (loss) before
         extraordinary loss and
         cumulative effect
         of accounting change              $(0.31)   $0.20   $0.47    $0.92
        Net income (loss)                   (0.31)    0.20    0.42     0.84

      Diluted
        Income (loss) before
         extraordinary loss and
         cumulative effect
         of accounting change              $(0.31)   $0.20   $0.45    $0.89
        Net income (loss)                   (0.31)    0.20    0.41     0.81

      Weighted average shares
        Basic                                 978      731     869      724
        Diluted                               978      757     917      762



                                                                       Table 2
                       Cendant Corporation and Subsidiaries
                     REVENUES AND ADJUSTED EBITDA BY SEGMENT
                              (Dollars in millions)

                                      Three Months Ended December 31,
                                     Revenues            Adjusted EBITDA (A)
                                               %                           %
                                2001   2000  Change  2001 (C)   2000    Change
    Real Estate Services        $532   $376    41%   $289 (D)   $203      42%
    Hospitality                  369    215    72%    103 (E)     85      21%
    Vehicle Services             966    150      *     40 (F)     86        *
    Travel Distribution          362     21      *    102 (G)      1        *
    Financial Services           342    345    (1%)    51 (H)     71     (28%)
    Total Reportable Segments  2,571  1,107           585        446
    Corporate and Other (B)        9     62      *    (14)(I)    (27) (N)   *
    Total Company              2,580  1,169   121%    571        419      36%
    Move.com Group               --      18      *     --        (20)       *
    Total Company Excluding
     Move.com Group           $2,580 $1,151   124%   $571       $439      30%

                                   Twelve Months Ended December 31,

                                 Revenues            Adjusted EBITDA (A)
                                            %                            %
                             2001   2000  Change  2001(J)     2000(O)  Change
    Real Estate Services   $1,859  $1,461   27%    $939  (K)   $752      25%
    Hospitality             1,522     918   66%     513  (E)    385 (P)  33%
    Vehicle Services        3,659     568     *     403  (L)    306        *
    Travel Distribution       437      99     *     108  (G)     10        *
    Financial Services      1,402   1,380    2%     310  (H)    373     (17%)
    Total Reportable
     Segments               8,879   4,426         2,273       1,826
    Corporate and Other(B)     71     233     *     (69) (M)   (101) (Q)   *
    Total Company           8,950   4,659   92%   2,204       1,725      28%
    Move.com Group             10      59     *      (9)        (94)       *
    Total Company
     Excluding Move.com
     Group                 $8,940  $4,600   94%  $2,213      $1,819      22%

    * Not meaningful.
    (A) Defined as earnings before non-operating interest, income taxes,
        non-vehicle depreciation and amortization, minority interest and
        equity in Homestore.com, adjusted to exclude certain items which are
        of a non-recurring or unusual nature and not measured in assessing
        segment performance or are not segment specific.
    (B) Includes Move.com Group operating results.
    (C) Excludes a charge of $116 million primarily in connection with
        restructuring and other initiatives undertaken as a result of the
        September 11th terrorist attacks ($31 million, $48 million,
        $6 million, $9 million and $25 million of charges were recorded within
        Real Estate Services, Hospitality, Travel Distribution, Financial
        Services and Corporate and Other, respectively, and $3 million of net
        credits were recorded in Vehicle Services).
    (D) Excludes a charge of $94 million related to the impairment of the
        Company's mortgage servicing rights portfolio.
    (E) Excludes a charge of $11 million related to the impairment of certain
        of the Company's investments in part due to the September 11th
        terrorist attacks.
    (F) Excludes charges of $2 million related to the impairment of certain of
        the Company's investments due to the September 11th terrorist attacks
        and $1 million related to the acquisition and integration of Avis
        Group Holdings, Inc ("Avis").
    (G) Excludes charges of $23 million related to the acquisition and
        integration of Galileo International, Inc. ("Galileo") and Cheap
        Tickets, Inc. ("Cheap Tickets").
    (H) Excludes a charge of $1 million related to the impairment of certain
        of the Company's investments due to the September 11th terrorist
        attacks.
    (I) Excludes charges of (i) $427 million primarily related to the
        impairment of the Company's investment in Homestore.com, Inc.
        ("Homestore"), (ii) $80 million related to the outsourcing of the
        Company's information technology operations to IBM in connection with
        the acquisition of Galileo, (iii) $18 million related to the
        dispositions of certain non-strategic businesses in 1999 and (iv)
        $58 million for litigation settlement and related costs.
    (J) Excludes a charge of $192 million primarily in connection with
        restructuring and other initiatives undertaken as a result of the
        September 11th terrorist attacks ($31 million, $51 million,
        $58 million, $7 million, $10 million and $35 million of charges were
        recorded within Real Estate Services, Hospitality, Vehicle Services,
        Travel Distribution, Financial Services and Corporate and Other,
        respectively).
    (K) Excludes charges of $95 million related to the funding of an
        irrevocable contribution to an independent technology trust
        responsible for providing technology initiatives for the benefit of
        current and future franchisees at Century 21, Coldwell Banker and ERA
        and $94 million related to the impairment of the Company's mortgage
        servicing rights portfolio.
    (L) Excludes charges of $5 million related to the acquisition and
        integration of Avis and $2 million related to the impairment of
        certain of the Company's investments due to the September 11th
        terrorist attacks.
    (M) Excludes charges of (i) $427 million primarily related to the
        impairment of the Company's investment in Homestore, (ii) $85 million
        related to the funding of Trip Network, Inc., an affiliated company
        that was created to pursue the development of an online travel
        business for the benefit of certain current and future franchisees,
        (iii) $80 million related to the outsourcing of the Company's
        information technology operations to IBM in connection with the
        acquisition of Galileo, (iv) $86 million for net litigation settlement
        and related costs, (v) $19 million related the dispositions of certain
        non-strategic businesses in 1999, (vi) $7 million related to a
        non-cash contribution to the Cendant Charitable Foundation and (vii)
        $4 million related to the acquisition and integration of Avis Group.
        Such charges were partially offset by a gain of $436 million primarily
        related to the sale of Move.com Group to Homestore.
    (N) Excludes a charge of $8 million for litigation settlement and related
        costs.
    (O) Excludes a charge of $109 million in connection with restructuring and
        other initiatives  ($2 million, $63 million, $31 million and
        $13 million of charges were recorded within Real Estate Services,
        Hospitality, Financial Services and Corporate and Other,
        respectively).
    (P) Excludes $12 million of losses related to the dispositions of
        businesses.
    (Q) Excludes a non-cash credit of $41 million in connection with a change
        to the original estimate of the number of Rights to be issued in
        connection with the PRIDES settlement resulting from unclaimed and
        uncontested Rights and a gain of $35 million, which represents the
        recognition of a portion of the Company's previously recorded deferred
        gain from the sale of its fleet business due to the disposition of VMS
        Europe by Avis Group Holdings, Inc. in August 2000.  Such amounts were
        partially offset by $31 million of losses related to the disposition
        of certain non-strategic businesses and $43 million of litigation
        settlement and related costs.



                                                                       Table 3
                     Cendant Corporation and Subsidiaries
                RECONCILIATION OF REPORTED EPS TO ADJUSTED EPS
                   (in millions, except per share amounts)


                                                  Three Months Ended
                                                     December 31,
                                               2001                 2000
                                      Income               Income
                                       from                 from
                                    Continuing            Continuing
                                    Operations - Diluted  Operations - Diluted
                                      Diluted      EPS      Diluted       EPS
    Reported Amounts (A)              $(307)     $(0.31)      $149       $0.20
    Adjustments (after-tax):
       Restructuring and other unusual
        charges (B)                      73        0.07         --          --
       Acquisition and integration
        related costs (C)                65        0.07         --          --
       Mortgage servicing rights
        impairment (D)                   55        0.06         --          --
       Litigation settlement and
        related costs (E)                37        0.04          5        0.01
       Net loss on dispositions of
        businesses and impairment of
        investments (F)                 285        0.29          1        0.00
       Losses related to equity in
        Homestore.com                    21        0.02         --          --
    Effect of change in weighted average
     shares due to change in
     income levels (G)                    3       (0.01)        --          --
    Retained interest in
     Move.com Group                      --         --          12        0.01
    Adjusted Amounts                   $232       $0.23       $167       $0.22


                                                  Twelve Months Ended
                                                     December 31,
                                             2001                 2000
                                      Income               Income
                                       from                 from
                                    Continuing            Continuing
                                    Operations - Diluted  Operations - Diluted
                                      Diluted      EPS      Diluted       EPS
    Reported Amounts (A)               $413       $0.45       $677       $0.89
    Adjustments (after-tax):
       Restructuring and other
         unusual charges (H)            243        0.26         69        0.09
       Acquisition and integration
        related costs (I)                70        0.08         --          --
       Mortgage servicing rights
        impairment (D)                   55        0.06         --          --
       Litigation settlement and related
        costs (J)                        55        0.06         --          --
       Net loss (gain) on dispositions
        of businesses and impairment of
        investments (K)                  24        0.03         (8)     (0.01)
       Losses related to equity in
        Homestore.com                    77        0.08         --         --
    Retained interest in Move.com Group  27        0.03         56       0.07
    Adjusted Amounts                   $964       $1.05       $794      $1.04

    (A) Includes Cendant's retained interest in Move.com Group.
    (B) Represents 2001 pre-tax charges of $116 million primarily in
        connection with restructuring and other initiatives undertaken as a
        result of the September 11th terrorist attacks.
    (C) Represents 2001 pre-tax charges of $104 million related to the
        acquisition and integration of Galileo International, Inc. ("Galileo")
        and Cheap Tickets, Inc. ("Cheap Tickets").
    (D) Represents a 2001 pre-tax charge of $94 million related to the
        impairment of the Company's mortgage servicing rights portfolio.
    (E) Represents 2001 and 2000 pre-tax charges of $58 million and
        $8 million, respectively.
    (F) Represents 2001 and 2000 pre-tax losses of $459 million and
        $1 million, respectively.  The 2001 pre-tax losses related to the
        impairment of certain of the Company's investments ($441 million)
        and the dispositions of certain non-strategic businesses in 1999
        ($18 million).
    (G) Represents in 2001 (i) an adjustment in the number of shares used to
        calculate EPS due to the addition of dilutive common share equivalents
        resulting from a change in loss from continuing operations on as As
        Reported basis compared to income from continuing operations on an As
        Adjusted basis and (ii) the related add-back of interest expense on
        convertible debt securities.
    (H) Represents 2001 and 2000 pre-tax charges of $379 and $109 million,
        respectively.  The 2001 pre-tax charges related to (i) restructuring
        and other initiatives primarily undertaken as a result of the
        September 11th terrorist attacks ($192 million), (ii) the funding of
        an irrevocable contribution to an independent technology trust
        ($95 million), (iii) the creation of Trip Network, Inc. ($85 million)
        and (iv) a non-cash contribution to the Cendant Charitable Foundation
        ($7 million).  The 2000 charges primarily related to restructuring and
        other initiatives.
    (I) Represents 2001 pre-tax charges of $112 million primarily related to
        the acquisition and integration of Galileo and Cheap Tickets.
    (J) Represents 2001 and 2000 pre-tax charges of $86 million and
        $2 million, respectively.
    (K) Represents 2001 and 2000 pre-tax losses of $24 million and $8 million.
        The 2001 pre-tax losses related to the impairment of certain of the
        Company's investments ($441 million) and the dispositions of certain
        non-strategic businesses in 1999 ($19 million).  Such losses were
        partially offset by a gain primarily related to the sale of Move.com
        Group to Homestore ($436 million).



                                                                     Table 4

                     Cendant Corporation and Subsidiaries
                       Segment Revenue Driver Analysis
                        (Revenue dollars in thousands)

                                          Three Months Ended December 31,
                                              2001        2000    % Change
    REAL ESTATE SERVICES SEGMENT
     Real Estate
        Closed Sides - Domestic (000's)      452,593     465,072     (3%)
        Average Price                       $172,397    $172,061      --
        Royalty and Marketing Revenue       $137,631    $129,682      6%
        Total Revenue                       $152,856    $144,306      6%

     Relocation
        Service Based Revenue (Referrals,
         Outsourcing, etc.)                  $63,037     $70,047    (10%)
        Asset Based Revenue (Corporate
         and Government Home Sale
         Closings and Financial Income)      $40,435     $45,755    (12%)
        Total Revenue                       $103,472    $115,802    (11%)

     Mortgage
        Production Loans Sold (millions)     $10,040      $5,883     71%
        Production Revenue                  $231,514     $78,014    197%
        Average Servicing Loan Portfolio
         (millions)                          $95,157     $69,052     38%
        Net Servicing Revenue (A)            $43,997     $38,558     14%
        Total Revenue                       $275,393    $116,749    136%

    HOSPITALITY SEGMENT

     Lodging
        RevPar ($)                           $21.79 (D)   $25.33   (14%)
        Weighted Average Rooms Available    516,476      506,240     2%
        Royalty, Marketing and
         Reservation Revenue                $71,569 (D)  $89,240   (20%)
        Total Revenue                       $88,235 (D) $108,701   (19%)

     RCI
        Average Subscriptions             2,755,134     2,428,172   13%
        Number of Timeshare Exchanges       383,279       355,537    8%
        Total Revenue                      $125,239 (B)  $106,410   18%

     Fairfield Resorts
        Average Revenue per Transaction     $12,479       $11,905    5%
        Total Revenue                      $153,203           (C)   n/a

    VEHICLE SERVICES SEGMENT

     Car Rental
        Rental Days (000's)                     12,799     14,963  (14%)
        Time and Mileage Revenue per Day        $36.47     $38.99   (6%)
        Average Length of Rental Days             3.75       3.60    4%
        Total Revenue                         $510,969        (C)   n/a

     Vehicle Management and Fuel Card
      Services
        Average Fleet (Leased)                 317,423    306,670    4%
        Average Number of Cards (000's)          3,836      3,397   13%
        Total Revenue                         $368,356        (C)   n/a

    TRAVEL DISTRIBUTION SEGMENT

     Galileo
        Domestic Booking Volume (000's)
            Air                                 17,935     23,637   (24%)
            Non-air                              4,033      5,377   (25%)
        International Booking Volume
         (000's)
            Air                                 36,781     43,971   (16%)
            Non-air                              1,660      1,972   (16%)
        Worldwide Booking Volume (000's)
            Air                                 54,716     67,608   (19%)
            Non-air                              5,693      7,349   (23%)

        Total Galileo Revenue                 $336,697        (C)    n/a

    FINANCIAL SERVICES SEGMENT
        Insurance/Wholesale-related
         Revenue                             $142,622    $132,750     7%
        Other Revenue                        $198,594    $212,741    (7%)
        Total Revenue                        $341,216    $345,491    (1%)

    (A) Includes gross recurring service fees of $97 million and $69 million
        for 2001 and 2000, respectively.  Such fees are net of the non-cash
        amortization of mortgage servicing rights ($47 million and
        $39 million, respectively), which was accelerated due to a higher
        volume of refinancing activity, and interest (expense) income
        (($16) million and $1 million, respectively), which also increased due
        to a higher volume of refinancing activity as the Company's mortgage
        business is required to pay the investor interest on loans refinanced,
        which is calculated from the loan payoff date through the end of the
        month.
    (B) Includes property management revenues of $12 million for 2001
        resulting from the acquisition of Fairfield Communities, Inc.
        ("Fairfield").  Subsequent to the acquisition, Fairfield's property
        management operations were included within the RCI business structure,
        as RCI is the Company's service provider for the timeshare industry.
    (C) The operations of these businesses were acquired during 2001.
        Accordingly, prior period revenues are not comparable to the current
        period amounts.
    (D) The Company initially estimated a decline in third quarter royalty
        revenue resulting from the September 11th terrorist attacks.  The
        amounts presented herein exclude the royalty true-up that relates to
        actual third quarter results, which was recorded by the Company in the
        fourth quarter.  Including such adjustment, the as reported RevPar,
        Royalty, Marketing and Reservation Revenues and Total Revenues for
        2001 are $20.50, $66,630 and $83,296, respectively.



                                                                       Table 5
                     Cendant Corporation and Subsidiaries
                 REVENUES AND ADJUSTED EBITDA BY SEGMENT (A)
                                (In millions)

    Year Ended December 31, 2001
                                               Revenues
                     1st Qtr      2nd Qtr      3rd Qtr     4th Qtr   Full Year
    Real Estate
     Services        $339         $474         $514         $532      $1,859
    Hospitality       240          448          465          369       1,522
    Vehicle
     Services         454        1,112        1,127          966       3,659
    Travel
     Distribution      25           26           24          362         437
    Financial
     Services         390          332          338          342       1,402
    Total Reportable
     Segments       1,448        2,392        2,468        2,571       8,879
    Corporate and
     Other             38           11           13            9          71
    Total
     Company       $1,486       $2,403       $2,481       $2,580      $8,950

                                           Adjusted EBITDA
                     1st Qtr      2nd Qtr      3rd Qtr     4th Qtr   Full Year
    Real Estate
     Services        $132         $231         $287         $289        $939
    Hospitality       102          156          152          103         513
    Vehicle
     Services          93          142          128           40         403
    Travel
     Distribution       2            3            1          102         108
    Financial
     Services         131           70           58           51         310
    Total Reportable
     Segments         460          602          626          585       2,273
    Corporate and
     Other           (17)         (15)         (23)         (14)        (69)
    Total Company    $443         $587         $603         $571      $2,204

    Year Ended December 31, 2000
                                              Revenues
                     1st Qtr      2nd Qtr      3rd Qtr     4th Qtr   Full Year
    Real Estate
     Services        $289         $377         $419         $376      $1,461
    Hospitality       219          231          253          215         918
    Vehicle
     Services         137          135          146          150         568
    Travel
     Distribution      25           27           26           21          99
    Financial
     Services         381          321          333          345       1,380
    Total Reportable
     Segments       1,051        1,091        1,177        1,107       4,426
    Corporate and
     Other             77           46           48           62         233
    Total Company  $1,128       $1,137       $1,225       $1,169      $4,659

                                           Adjusted EBITDA
                     1st Qtr      2nd Qtr      3rd Qtr     4th Qtr   Full Year
    Real Estate
     Services        $114         $193         $242         $203        $752
    Hospitality        89           99          112           85         385
    Vehicle Services   72           67           81           86         306
    Travel
     Distribution       2            4            3            1          10
    Financial
     Services         133           83           86           71         373
    Total Reportable
     Segments         410          446          524          446       1,826
    Corporate and
     Other              2         (42)         (34)         (27)       (101)
    Total Company    $412         $404         $490         $419      $1,725

    Year Ended December 31, 1999
                                              Revenues
                    1st Qtr       2nd Qtr      3rd Qtr     4th Qtr   Full Year
    Real Estate
     Services        $281         $372         $392         $338      $1,383
    Hospitality       218          231          248          223         920
    Vehicle Services  562          584          150          134       1,430
    Travel
     Distribution      26           26           23           16          91
    Financial
     Services         395          374          407          342       1,518
    Total Reportable
     Segments       1,482        1,587        1,220        1,053       5,342
    Corporate and
     Other            164          150          190          230         734
    Total Company  $1,646       $1,737       $1,410       $1,283      $6,076

                                            Adjusted EBITDA
                    1st Qtr       2nd Qtr      3rd Qtr     4th Qtr   Full Year
    Real Estate
     Services        $133         $198         $226         $170        $727
    Hospitality       105          106          116           93         420
    Vehicle Services  107          107           81           69         364
    Travel
     Distribution       4            4            1          (2)           7
    Financial
     Services          71           54           91           89         305
    Total Reportable
     Segments         420          469          515          419       1,823
    Corporate and
     Other             13         (11)           12           82          96
    Total Company    $433         $458         $527         $501      $1,919

    (A)  In connection with the acquisitions of Galileo International, Inc.
         and Cheap Tickets, Inc. during October 2001, the Company realigned
         the operations and management of certain of its businesses.
         Accordingly, the Company's segment reporting structure now
         encompasses the following five reportable segments:  Real Estate
         Services, Hospitality, Vehicle Services, Travel Distribution and
         Financial Services.  The periods presented herein have been
         reclassified to reflect this change in the Company's segment
         structure.



                                                                      Table 6
                        Cendant Corporation and Subsidiaries
                        CONSOLIDATED CONDENSED BALANCE SHEETS
                                    (In billions)

                                                  December 31,    December 31,
                                                      2001              2000
        Assets
        Current assets
          Cash and cash equivalents                   $2.0              $0.9
          Stockholder litigation
           settlement trust                            1.4                --
          Other current assets                         3.1               1.8
        Total current assets                           6.5               2.7

        Property and equipment, net                    2.0               1.3
        Goodwill, net                                  8.0               3.2
        Stockholder litigation settlement trust         --               0.4
        Other assets                                   5.0               4.6
        Total assets exclusive of assets
         under programs                               21.5              12.2

        Assets under management and
         mortgage programs                            12.0               2.9
        Total assets                                 $33.5             $15.1

        Liabilities and stockholders'
         equity
        Current liabilities
          Current portion of long-term debt           $0.4               $--
          Stockholder litigation settlement            2.9                --
          Other current liabilities                    4.4               2.5
        Total current liabilities                      7.7               2.5
        Long-term debt, excluding Upper
         DECS                                          5.7               1.9
        Upper DECS                                     0.9                --
        Stockholder litigation settlement               --               2.9
        Other noncurrent liabilities                   0.8               0.4
        Total liabilities exclusive of
         liabilities under programs                   15.1               7.7

        Liabilities under management and
         mortgage programs                            10.9               2.5
        Mandatorily redeemable preferred
         securities issued by subsidiaries             0.4               2.1
        Total stockholders' equity                     7.1               2.8
        Total liabilities and
         stockholders' equity                        $33.5             $15.1



                                                                       Table 7
                     Cendant Corporation and Subsidiaries
               SCHEDULE OF TOTAL CORPORATE DEBT OUTSTANDING (A)
                                (In millions)
    Maturity                                                December 31,
      Date                                             2001              2000

    February 2002   (B)    3% convertible
                            subordinated notes         $390              $548
    December 2003          7-3/4% notes               1,150             1,149
    August 2006            6-7/8% notes                 850                --
    May 2009               11% senior subordinated
                            notes                       584                --
    November 2011   (C)    3-7/8% convertible
                            senior debentures         1,200                --

    February 2021   (D)    Zero coupon senior
                            convertible contingent
                            notes                       920                --
    May 2021        (E)    Zero coupon convertible
                            debentures                1,000                --
                           Term loan facility            --                250
                           Other                         38                 1
                           Total debt, excluding
                            Upper DECS                6,132             1,948
                            Less: current portion       401                --
                            Long-term debt,
                             excluding Upper DECS     5,731             1,948
    May 2004        (F)     Upper DECS                  863                --
                                                     $6,594            $1,948

    (A) Amounts presented herein exclude liabilities under management and
        mortgage programs.
    (B) Each $1,000 principal amount is convertible into 32.65 shares of CD
        common stock.  Redeemable at the Company's option.
    (C) Each $1,000 principal amount is convertible into 41.58 shares of CD
        common stock during 2002 if the average price of CD common stock
        exceeds $28.86 during the stipulated measurement periods.  The average
        price of CD common stock at which the debentures are convertible
        decreases annually by a stipulated percentage.  Redeemable by the
        Company after November 27, 2004.  Holders may require the Company to
        repurchase the notes on November 27, 2004 and 2008.
    (D) Each $1,000 principal amount is convertible into 33.4 shares of CD
        common stock during Q1, Q2, Q3 and Q4 of 2002 if the average price of
        CD common stock exceeds $20.54, $20.67, $20.80 and $20.93,
        respectively, during the stipulated measurement periods.  The average
        price of CD common stock at which the notes are convertible increases
        on a quarterly basis by a stipulated percentage.  Redeemable by the
        Company after February 13, 2004.  Holders may require the Company to
        repurchase the notes on February 13, 2004, 2009 and 2014.  Issued at a
        discount resulting in a yield-to-maturity of 2.5%.
    (E) Each $1,000 principal amount is convertible into 39.08 shares of CD
        common stock if the average price of CD common stock exceeds $28.15
        during the stipulated measurement periods.  Redeemable by the Company
        after May 4, 2004.  Holders may require the Company to repurchase the
        notes on May 4, 2002, 2004, 2006, 2008, 2011 and 2016.  This debt is
        classified as long-term based upon the Company's intent and ability to
        refinance such amount with existing lines of credit if holders require
        the Company to repurchase the notes on May 4, 2002.
    (F) The forward purchase contracts require the holder to purchase a
        minimum of 1.7593 shares (if the average price of CD common stock is
        greater than $28.42 during a stipulated period) and a maximum of
        2.3223 shares (if the average price of CD common stock is less than
        $21.53 during a stipulated period) of CD common stock in August 2004.
        The minimum and maximum number of shares to be issued under the
        forward purchase contracts are 30.3 million and 40.1 million shares,
        respectively.


SOURCE: Cendant Corporation