Marketing ServicesEquifax, a leading provider of direct and credit marketing solutions, offers the target marketingintelligence to help businesses isolate and learn more about responsive, qualified customers. Ourexpertise, technology, analytic capabilities and innovative products help marketers succeed byproviding them tools which allow them to:

• Successfully integrate online and off-line efforts • Maximize the potential of our targeted prospecting databases• Capitalize on new and effective data origination sources• Employ new, innovative and highly efficient data management platforms • Leverage the value of existing customer databases

Whether your goal is customer prospecting, retention, cross-selling, account management oranalytics, contact us so we can help you take advantage of:

Targeted Postal DatabasesEquifax is a leading supplier of accurate, content-rich and highly deliverable consumer andbusiness postal databases.

• The Lifestyle Selector®, one of our premier databases, offers more than 500 selections and isthe direct marketing industry's largest and most comprehensive database of self-reportedconsumer information.

• TotalSource XL™, our premier compiled consumer database, is developed from 31 different typesof sources and contains demographic, lifestyle and purchase history information on over 106.5million U.S. households.

• The Equifax BusinessClass™ List Builder is the industry's largest and freshest source for highquality business information on more than 18 million businesses and over 25 million individuals.This comprehensive, multisourced list offers more than 50 different selects and 100 outputelements to deliver precise business-to-business profiles.

Prescreen ProductsOur array of prescreen products will help you identify qualified prospects for your type of product,helping you raise your response rates, increase activations, lower acquisition costs and driverevenue.

• TargetPoint™ Acquisition™ is a customized, automated prescreen tool designed to quickly pinpointnew account opportunities — daily, weekly or monthly. This powerful tool has 22 event triggersto help you zero in on credit-active consumers who meet your prescreen criteria and who haverecently demonstrated a possible need or desire for additional credit.

EquifaxFor more than 109 years, Equifax has beena market leader in providing value-addedinformation solutions to businesses andconsumers. With a consistent focus onproduct development, technology,innovation and customer satisfaction,Equifax has grown its business to over$1.55 billion in annual revenue and morethan 4,900 employees in 14 countries.Throughout its business, Equifax maintainsan unwavering commitment to the higheststandards of corporate ethics, data securityand information privacy.

The worldwide leader in enabling andsecuring global commerce, Equifax isrespected for bringing buyers and sellerstogether through…

• Collection and interpretation ofconsumer data

• Marketing services• Business information• ID authentication• e-Commerce• Management of consumer credit

information

Equifax serves customers across awide range of industries includingfinancial services, retail, healthcare,telecommunications/utilities, brokerage,insurance, government and directmarketing.

Marketing Services

CONSUMER INFORMATION SOLUTIONS

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• TotalSource Invitation To Apply™ (ITA) is a suite of tools designed toimprove response and approval rates by profiling and filtering existinglists, building new lists, authenticating no-hit prospects, and more.ITA’s cost-effective solutions can generate new data to fill gaps inyour existing lists within two days, and can integrate with yourprescreen campaigns as part of a successful long-term strategy.

• Readi-Screen™ enables the selection of geographic, demographic,and risk criteria that meets your target market profile to net a list ofpre-qualified consumer prospects for your credit marketingcampaign. With over 40 credit-related attributes from which tochoose, Equifax enables list generation of segmented and qualifiedconsumer prospects for your FCRA-compliant marketing campaigns— on demand.

• Equifax ValueScore™ is a new marketing score that makes it easierfor direct marketers to identify the highest quality prospects on anyresponsive marketing list, combining highly responsive prospectingdata with a profitability model developed from Equifax's vastproprietary database of consumer behavior.

• Equifax DataSuites™ are highly responsive list segments designed tohelp you pinpoint your audience with ease. Equifax analysts havecreated proprietary household segments by grouping correlated datavariables such as demographics, lifestyle and interest categories,email data, buying behaviors and more. By grouping consumers thatnaturally "fit" together, we've made it easier and more efficient tocreate targeted mailing lists.

Email SolutionsEquifax offers e-marketing solutions that generate proven results. Ourdatabase products provide you with the depth you need to micro-targetconsumers based on a wide variety of demographic selects and lifestyleand interest categories.

• Equifax’s Permission! database is a true multichannel marketingdatabase that takes the guesswork out of direct marketing, enablingyou to acquire new customers in a cost-effective manner. The fileoffers more than 120 demographic, lifestyle and interest selects.

• Equifax Email Append™ & Equifax Reverse Email Append™’s uniqueproprietary match logic and advanced processes enable you toenhance your existing database records with valuable information,including email and postal addresses, name, age, gender, income,dwelling type, lifestyles, interests and more.

Data EnhancementAppend more than 700 powerful lifestyle and demographic dataelements to the records in your files. Equifax can help you leverage thepower of your customer database by appending a wide array of dataelements — from demographic, lifestyle and buying behavior attributesto email, postal address and telephone number — to records in yourhouse file.

List HygieneReduce mailing costs and locate customers who have moved bycleansing and updating your databases. Our list hygiene productsstandardize address information and eliminate undeliverables. Ournewest innovation – SelecTrac Express™ – is a powerful and highlyflexible tool that enables automated, 24/7 access to our full range oflist hygiene and data enhancement services.

Account Management:• Equifax Accel™ DM is an easy-to-use, real-time, 24/7 web-based

data management platform, which will revolutionize your list rentaland enhanced list rental transactions. Now, list rental fulfillment andenhanced list rental can be completed on ONE user-friendly system.

• Readi-Review and Custom Portfolio Review from our suite of PortfolioReview products help you eliminate risk by identifying consumerswithin your portfolio that have recently demonstrated interest inobtaining additional credit or customers who have new derogatoryinformation or recently activated fraud alerts on their credit file.

World Class Analytic SolutionsEquifax offers a number of Customer Profiling Solutions designed to"paint a picture" of your best customers. These techniques can alsohelp identify your best prospects. Our analytic team has been involvedin the use of predictive modeling since its inception, and we continue toset the standard against which most other modeling is measured.

Equifax and The Lifestyle Selector are registered trademarks of Equifax Inc. TotalSource XL, Equifax BusinessClass, Permission!, Equifax Email Append, Equifax Reverse Email Append, SelecTrac Express, TargetPoint Acquisition,Equifax Invitation to Apply, Readi-Screen, Equifax ValueScore, Equifax DataSuites and Equifax Accel are trademarks of Equifax Inc. Copyright © 2008, Equifax Inc., Atlanta, Georgia. All rights reserved. Printed in the U.S.A.

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Contact us today to discuss how our target market intelligence can help satisfy your needs.1.800.466.5897MarketingServices@Equifax.comwww.equifax.com/consumer/marketing