Introducing... Business Owner Background Reports Uncover a business owner’s current and previous business history Reveals hidden relationships and associations that other credit risk products and fraud tools may miss. 3 report options tailored to meet your business needs: Comprehensive Fraud Linkage

Business Owner Background Report 3 Report options available Comprehensive Linkage Report Fraud Report Business Owner Profile Report with score Identifies High Risk addresses and phone numbers Individuals with multiple businesses affiliations OFAC Check (Office of Foreign Asset Control) Fraud Linkage Verifies relationship between the business and principal Principal’s current and previous business relationships Credit risk score on each business matched to principal

Business Owner Background Report How does it work? 3 businesses linked to Jane are returned Consumer data base Westwind Imports BIN: 778954433 Relationship: Current Credit Score: 80 Title: Owner Link confidence: Strong Input BCI Client inputs consumer applicant’s information: Jane Doe 5553 Las Brisas Long Beach, CA 90815 Green Door Café BIN:757689433 Relationship: Current Credit Score: 21 Title: Co-owner Link confidence: Medium Jane’s credit file Burke Hardware, Inc BIN:723998123 Relationship: Previous Affiliation dates: 8/2009-1/2011 Title: President Link confidence: Strong Jane’s credit file is linked to current and previously associated businesses (BIN)

Linkage Report Screen Shot 1 Former addresses in the owner’s past may suggest increased risk Three most recent addresses from File One credit header data assists in identifying information on the principal Executive summary provides quick reference to isolate potential areas of concern

Linkage Report Screen Shot 2 Quickly summarizes the financial health of the owner’s current businesses Business Identification Number (BIN) and key commercial credit metrics are provided for each affiliated business Summary of current Balance and Recent High Credit are provided to show current and potential exposure across all businesses Reports also include details of previous business affiliates

Fraud Report Screen Shot 1 Fraud Shield provides alerts on the business owner Summary of Fraud Shield Alerts identify possible fraudulent conditions associated with the principal’s personal credit file. Up to 10 current and previous business affiliations of the business principal are summarized for quick reference.

Fraud Report Screen Shot 2 Identify potential high-risk individuals that principal has worked with in past BizID score is provided to assess fraud risk based on your input information The most influential factors in generating the score are displayed Displays up to 30 current and former business associates that were linked to the principal’s businesses during the time of their affiliation.

Fraud Report Screen Shot 3 Identifies potential high risk conditions of the principal’s address and phone Identify potential high-risk individuals at the input address Identify businesses and/or individuals associated with the input phone number Identify potential high-risk businesses at the input address Alerts are provided if elements of the principal’s identity match the Office of Foreign Assets Control (OFAC) watch list to comply with Patriot Act and Red Flag requirements

Consumer credit of the principal is summarized for quick review Comprehensive Report Screen Shot 1 Comprehensive Report Combines Linkage Report + Fraud Report with Business Owner Profile Report (BOP) Includes full consumer credit report including Vantage Score and score factors Consumer credit of the principal is summarized for quick review FCRA portion of the report may be used to take adverse action Report includes all required consumer statements

Comprehensive Report Screen Shot 2 Comprehensive Report Report includes consumer legal filings on the principal Inquiries by creditors over past 2 years are itemized to reveal recent activity.

Comprehensive Report Screen Shot 3 Comprehensive Report Detailed consumer trade lines are provided over 24 month payment grid in addition to key performance metrics.

New from Experian… Premier ProfileSM Comprehensive report that provides more in-depth coverage on a businesses credit history. It’s essentially everything you’d expect from the Business Profile Report ,and then some. New dashboard format and Executive Summary enables you to make faster, more informed decisions. Fraud Shield Indicator quickly identifies suspicious business activity Recommended Credit Limit provides the basis for setting credit lines that are appropriate with your policies Simple Verification of legal business name / address and connection to corporate linkage / family tree Extensive description of business operations the company is engaged in, including SIC code plus NAICS Intelliscore Plus quarterly rating trends over previous 12 months to reveal likelihood of delinquent payment. Combines credit risk score, fraud check and company background into a single report