Equifax Commercial Information Solutions Overview March 2009 Equifax

Equifax Commercial Information Solutions Overview March 2009 Equifax Confidential and Proprietary Ted La. Badie AVP – Business Development Equifax Commercial Information Solutions ted. labadie@equifax. com 678 -482 -9071

Agenda Thank You Equifax Commercial – What and Why Commercial Credit Report and Score Review Quick Database Statistics Pricing Q&A 2 Equifax Confidential and Proprietary

Equifax Commercial “Elevator” Overview Equifax Confidential and Proprietary

Proven Market Leader Data § 400 million § § § Started in 1899 S&P 500 Company 400, 000+ Customers Consumer/Commercial Profiles 5 billion Trade lines 2 billion Updates Monthly 5. 5 billion Scores Annually 5 million Decisions Daily 250+ Products Operations in 14 Countries $1. 8 Billion in Revenue 7000 Associates NYSE Firm (EFX) 4 Equifax Confidential and Proprietary

Our Value Statement Equifax Commercial Information Solutions provides high quality and unique data for superior decision-making combined with unparalleled customer service to grow your top and bottom line. 5 Equifax Confidential and Proprietary

Business Credit Challenges Lack of small business credit information Inability to accurately evaluate debt level and payment patterns on loans, leases, and credit cards No control over data High costs relative to value received 6 Equifax Confidential and Proprietary

Commercial Data Components Small Business Financial Exchange (SBFE) Data Sharing Agreement Commercial Trade Data Firmographics Public Records Equifax Commercial Solutions Database 23+ Million Business Files 7 Equifax Confidential and Proprietary

SBFE Board of Directors 8 Equifax Confidential and Proprietary

Market Coverage Experian D&B Equifax Large Businesses Expanding file: adding new commercial records Trying to acquire small business trade lines Mid-size Businesses Trying to acquire small business trade lines Approx. 17 K Enriching current file: adding nonfinancial trade lines Small Businesses Approx. 26. 8 M* *Source: SBA Web site/FAQs/March 2008 9 Equifax Confidential and Proprietary

Equifax Commercial Differentiators Limited Access to Non Data Contributors Exclusive Provider Of SBFE Information Right and Unique Focus Easily Integrated Into Automated or Manual Processes Personal Guarantor Information No Self-Reported Data Equifax Commercial Solutions No Marketing One Inquiry One Report All Files Have Credit Information No Charge for No-Hit/Search Proprietary World-Class Scores 10 Equifax Confidential and Proprietary Link to Consumer

Member Accolades “When Marathon Petroleum Company LLC switched from a competitor's credit report to the Equifax Commercial Credit Report a year ago, the amount of additional information was substantial. The report gives us a view of how the applicant pays all their financial and commercial trade line creditors. The change to the Equifax Commercial Credit Report has been very beneficial to Marathon. ” Bob George, Supervisor Cardholder Services Marathon Petroleum Company “The Equifax Commercial Credit Report has become an important tool for the credit department at Saia. The reports are easy to read and the financial information available has been very helpful in our decisionmaking process. I would definitely recommend this product. ” Kenneth Smith, Credit Manager Saia, Inc. 11 Equifax Confidential and Proprietary

Commercial Solutions Products & Services Equifax Confidential and Proprietary

Equifax Commercial Solutions Suite Marketing Account Management Acquisition Business. Class Business Fraud Advisor Account Triggering Commercial Insight Business Principal Report Actual Median Credit Commercial Credit Report Business Principal Report Risk Filter Small Business Owner Index Bankruptcy Alert Small Business Credit Risk Scores Business Failure Score Modeling Attributes Commercial Credit Report Modeling Attributes Small Business Credit Risk Scores Custom Scores Modeling Attributes OFAC Alert Custom Scores Risk Class Data Select Suggested Credit Limit Small Business Credit Risk Scores Business Failure Score Commercial Insight Data Select Commercial Credit Report Analytics Business Failure Score Custom Scores Recovery OFAC Alert Risk Class Suggested Credit Limit All product names are trademarks of Equifax Inc. Copyright © 2007. 13 Equifax Confidential and Proprietary Data Select Risk Class

How to Read the Equifax Commercial Credit Report March 2009 Equifax Confidential and Proprietary

Report At-A-Glance Company Profile Inquiry Alerts Scores / Suggested Credit Limit Public Records Credit Usage Credit Summary Payment Trends 15 Equifax Confidential and Proprietary

Scores/Risk Class Credit Risk Scores – commercial data option or blended option with principal (consumer) data Risk Class / Risk Rating – ranking 1 - 9 and description Business Failure Risk Score – predicts likelihood of business failure 16 Equifax Confidential and Proprietary

Decisioning Detail Provides score plus up to four reason codes indicating reason for the score and score definition 17 Equifax Confidential and Proprietary

Public Records Includes judgments, liens, bankruptcies and business registrations 18 Equifax Confidential and Proprietary

Public Record Detail 19 Equifax Confidential and Proprietary

Financial Credit Usage Details the credit limit, total balance and available credit of open credit lines from financial institutions 20 Equifax Confidential and Proprietary

Credit Report Summary Provides key summarizations of overall file content, and breaks activity into financial and non-financial segments 21 Equifax Confidential and Proprietary

Recent Trend/ Days Beyond Terms Displays the average days beyond terms in a recent trend and on a monthby-month basis 22 Equifax Confidential and Proprietary

Payment Index The Payment Index is a numeric measurement of the past and present payment habits of a business. § Business Account Payment Index - based on the payment habits of the company for which an inquiry was submitted § Industry Payment Index – based on the payment habits of the industry to which the company inquired upon belongs. 23 Equifax Confidential and Proprietary

Financial Account Highlights Provides high-level information for each financial account on the credit file 24 Equifax Confidential and Proprietary

Financial Account Detail 25 Equifax Confidential and Proprietary

Non-Financial Payment Experiences Provides high-level information for each non-financial account on the credit file 26 Equifax Confidential and Proprietary

Non-Financial Account Payment Detail 27 Equifax Confidential and Proprietary

Additional Information Provides alternate names, addresses, phone numbers, tax IDs and SIC/NAICS codes on the business, owner/guarantor information, comments, inquiries 28 Equifax Confidential and Proprietary

Related Files Principal search results are automatically available to e. PORT users under the Related Files tab 29 Equifax Confidential and Proprietary

Contact Us Provides address, phone and email to request additional information or file a dispute 30 Equifax Confidential and Proprietary

Commercial Solutions Data Quality Equifax Confidential and Proprietary

Commercial Database Growth 32 Equifa x Confid ential & Equifax Confidential and Proprietary

Folder Composition % of Business Folders 33 Equifa x Confid ential & Equifax Confidential and Proprietary

Unique Financial Relationships % of Business Folders 34 Equifa x Confid ential & Equifax Confidential and Proprietary

Key Business Content 35 Folders with at Least One: Equifa x Confid ential & Equifax Confidential and Proprietary

2009 SBX Pricing/Terms Pricing dependent on Data Contribution status and annual report volume § If not contributing, maximum usage restricted to 500 reports per year – $18. 37 per report – $2. 20 for Online Risk Score/Class – $2. 10 for Online Failure Score ($1. 88 if order with Risk Score/Class) § If contributing, no usage amount restrictions and pricing discounts apply No Spend Commitment No Charge for No-Hit’s or Search No Reports without Banking, Trade or Public Records 36 Equifax Confidential and Proprietary

Next Steps Get All Questions Answered Contact Your NACM Representative And Get Sample Reports Complete No Risk – No Obligation Sign Up process Add Equifax Commercial to your Credit “Toolkit” 37 Equifax Confidential and Proprietary

Discussion Questions? Comments? 38 Equifax Confidential and Proprietary