Improve risk and marketing precision

Portfolio Management is designed to minimize risk and improve marketing. It holds the key to making better business decisions onyour accounts by arming you with the necessary information to identify your premium and high-risk customers. It’s the perfect toolto help you offer a wider product range to good customers and also to take decision action on others.

This solution also provides you with the means to understand your customers on a one-on-one basis. This understanding helps buildand expand relationships for cross- and up-selling opportunities and gives you the ability to identify valuable new markets.

Ensure customers meet your credit standards

The Portfolio Management process can be completed on an ongoing, regular basis (monthly, quarterly, etc.) to complement yourbusiness strategy and objectives. This is how it works:

• Equifax runs your list of existing customers against the matching credit files.

• Your customers’ credit activity is analyzed using pre-defined criteria to determine if they continue to meet your credit standards.

• Equifax returns a file containing all of the analyzed accounts, clearly identifying the risk score and whether any of your criteriawas met. A statistical report summarizes the results to help determine your course of action.

Portfolio Management may be used by any credit grantor who maintains and is responsible for a credit portfolio of any size. But,please note: This service can only be used with your current customer base.

Monitor your customer portfolio

By using the dynamic combination of credit file criteria and a risk score of your choice, this innovative account management toolgives you the ability to monitor your customer portfolio, along with the flexibility to change credit criteria and modify scores as yourcredit strategies change. The Portfolio Management process allows you to:

• Automate the management of your portfolio based on your selected criteria.

• Analyze and classify accounts according to your credit criteria, returning a file clearly identifying the risk score and whether anycriteria were met.

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Equifax Portfolio Management

Automate your account monitoring program to streamline the review process and identifyboth your premium and high-risk customers.

Equifax’s Portfolio Management service can screen your account portfolio on a single occasion or periodically using your customcriteria to identify high and low credit risks. It offers maximum criteria flexibility to segment accounts by risk so you can make quickdecisions. You can decrease credit limits or close high-risk accounts before serious delinquency occurs. Early detection of bothopportunities and risks will help you reduce losses and increase your profitability.

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• Use dynamic and timely information as a one-time snapshot or to monitor clients on an ongoing basis.

• Run your entire portfolio or only a selected group through the Equifax consumer database.

• Obtain optional credit reports, printouts, or analyses.

• Obtain optional credit reports summarizing the program.

To take Portfolio Management one step further for even greater efficiencies, Equifax can automatically perform regular reviewsof your accounts and compare the results against the previous run. This additional step, called “portfolio review,” allows you totarget “action” accounts.

You can also enhance the information you receive by enriching it with a risk or bankruptcy score.

Assess your customers’ performance

Portfolio Management lets you make better decisions in managing your portfolio. It raises issues like:

• Which accounts show satisfactory performance so that they can be targeted for up-selling or cross-selling initiatives?

• Should a credit limit be increased or decreased?

• Which accounts should be reviewed or investigated?

• What action should be taken when an account becomes delinquent?

In response to these issues, Portfolio Management provides valuable information that helps you to assess the current performanceof your customers and determine if you should take:

Positive action to:

• Increase credit limits.

• Cross-sell products.

• Reactivate accounts.

Scores

Some of the Equifax scoring products available to you are:

• BEACON — A risk assessment tool developed jointly by Equifax and Fair, Isaac to predict the likelihood of a consumer goingdelinquent within 24 months.

• CRP — A risk-scoring model developed by Equifax Knowledge Engineering that measures the delinquency risk of a consumerover a 24-month window.

• Bankruptcy Navigator Index 2.0 — A score developed by Equifax Knowledge Engineering that predicts the likelihood of abankruptcy within a 24-month window.

Adverse action to:

• Reduce credit limits.

• Close accounts.

• Flag accounts for notification or delinquency.

• Accelerate payments.

• Move accounts to collections.

Realize numerous important benefits

Portfolio Management delivers the information you need, when you need it, to meet your marketing objectives and creditstrategies. Overall with this highly efficient monitoring tool, you can:

• Clearly recognize the positive and negative opportunities within your portfolio by easily identifying the strengths and weaknesseswithin your accounts.

• Focus your corporate resources on customers and accounts requiring attention, alerted by an early warning signal for futuredelinquencies.

• Increase efficiencies and productivity by controlling expenses.

• Streamline the review and analysis process.

• Maximize the marketing potential within your existing customer base by identifying cross-selling and up-selling opportunities.

• Focus your resources to maximize your current portfolio and build customer loyalty.

• Maintain credit decision consistency by establishing rules and procedures for your portfolio.

Build on our strengths

Our information resources and analysis techniques support customers in the day-to-day management of their customerrelationships. Accurate and up-to-date information enables us to help customers monitor, evaluate, and make decisions based uponchanges in their clients’ credit files as they occur.

Data quality, accuracy, and completeness have always been the key to successful marketing. Whether for a straightforward mailingor a highly complex project for the enhancement of a customer database, data quality is always the principal driver.

Our experience, combined with our information capabilities, advanced technology, and innovative solutions, enables organizationslike yours to manage their tactical marketing and customer lifecycle management with greater precision and profitability.

By identifying the most creditworthy customers, as well as those who represent high risk,Equifax Portfolio Management provides you with the information you need to

monitor your current portfolio and maximize marketing opportunities.

For more information about Equifax Portfolio Management, visit the Equifax Canada Web site atwww.equifax.ca, contact your sales representative, or call 1.800.278.0278.

Equifax is a registered trademark of Equifax Inc. Copyright© 2007, Equifax Inc., Atlanta, Georgia. All rights reserved.

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