9Online Whether the customer use online service in 1999 0: No; 1:yes 9Age Customer Age 9Inc Customer Income 9Tenure Customer Renure at the Bank 9District Customer Location 0Profit Profit in 2000 0Online Whether the customer use online service in 2000 0: No; 1:yes 9Billpay Whether use bill pay service in 1999 0: No; 1:yes 0Billpay Whether use bill pay service in 2000 0: No; 1:yes