© Experian Information Solutions, Inc All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian Information Solutions, Inc. Confidential and proprietary. eSolutions Enhanced Credit Profile

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 2 Enhanced Credit Profile now available in eSolutions Newly designed Credit Profile report available to all clients and users; not a new product option. Other products will follow in phased launches, SSN will be next. Default presentation will be HTML  TTY still an option for selection on input Access to user guides, video web casts, product FAQs and contact info available on report output page Quick links available for searching different bands of Credit Profile report More comprehensive data element detail Score factor codes with descriptions Improved trade detail layout Easy-to-Read with graphical depictions Enhanced User Preferences page (Credit Profile, Collection Advantage and IP)

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 3 Credit Profile Report - Layout Country and Product indicator – U.S. Credit Profile Report Easy to navigate tabs for Applicant/Co-Applicant versions of the report as well as TTY format option Quick link options to navigate to different bands within the report Band display order is a new setting option on Preference page PDF/Print/Edit Inquiry options Additional resources – User guides, video web casts, product FAQ, contact us

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 4 Identification Information Best name and best SSN specifically stated with other names/SSNs following with an identification description spelled out – Does not match inquiry

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 5 Address and employment information Best Addresses along with other addresses with detailed information on when, how may times, by whom and by what means the address was reported. Best Employer along with other employers with spelled out detail as to when and by what means the employment data was reported.

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 6 Consumer Messages, Demographics and Fraud Shield Summary Consumer Statements or Messages presented after employment Demographics clearly identified as Best and other with Geo codes spelled out Fraud Shield Summary layout streamlined

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 7 Profile Summary Disputed accounts now displayed Delinquency counter enhanced to clearly identify delinquency timeframe in addition to number of accounts associated

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 8 Score Summary Risk models displayed with corresponding ranges Score factor descriptions provides for all score factor codes Color coding of score new setting option on Preference page  Accept – Green; Refer – Yellow; Decline - Red

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 9 Public Records Public Records clearly categorizes as Liens, Civil Actions and Bankruptcies with the subcode included Field descriptions are included for each piece of data

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 10 Trades Type of trade clearly identified – Mortgage will be displayed first Each piece of data is associated to a descriptor Payment history table expanded Worst delinquency and date now available; Mortgage ID number and type of payment included at bottom of trade

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 11 Trades continued Installment accounts are displayed after mortgage with delinquent or collection accounts presented first. Additional creditor and payment information provided as well

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 12 Trades continued Revolving accounts displayed last, again with delinquent accounts presented first.

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 13 Inquiries Inquiries Inquiries spell out the industry type as well as include amount, type and terms description headers Direct Check Direct Check easier to read Consumer Assistance Consumer Assistance included at the bottom of report

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 14 Preference Page Setting Options Credit Profile The user will be able to:  set a default subcode  set default product add-ons  set a preference for the default output format of the Credit Profile  set a preference for the display order of the Credit Profile bands of information The Designate or Head Designate will be able to set a preference that will apply to all users associated to the HD/Designate’s subcode(s) for highlighting of the score output.  The preference will include customizable score ranges for “accept” (displayed in green on the output), “refer” (displayed as yellow in the output) and “decline” (displayed as red in the output).  This preference shall only display if the authenticated user is a Designate or Head Designate.

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 15 Instant Prescreen The user will be able to set a default subcode. The Head Designate or Designate will be able to: Set a Score & Score Range which shall apply to all users under the Head Designate/Designate Set a Criteria level which shall apply to all users under the Head Designate  The default shall be blank.  This preference shall only display if the authenticated user is a Head Designate. Preference Page Setting Options

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 16 Collection Advantage n Ability to set a default package selection  Ability to set default set of individual options n Ability to set default set of risk models  Ability to set default permissible purpose Preference Page Setting Options

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 17 Demo

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 18 Competition Microbilt – Better than a TTY; but no comparison to our new HTML version

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 19 Competition Both Equifax and TU still use the TTY format for output to their business clients.

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 20 Next Steps communication to clientsWeek of 3/4 Promotion on eSolutions home page Week of 3/4 Client TrainingWeek of 3/24 Client Support Training Week of 3/10 and 3/17 Technical Support TrainingWeek of 3/10 and 3/17

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 21 Summary The Credit Profile will be redesigned so that it’s easy to read and more intuitive than the existing TTY. Not a product option to be granted by Head Designate; will be immediately presented to all users as default –  Clients can select TTY on input or when viewing output The Credit Profile will be redesigned so that it’s easy to read and more intuitive than the existing TTY.  Decipher all codes so user does not have to look up definitions.  Design will clearly delineate the bands of information.  The organization of the data will be easy to understand. The enhanced HTML Credit Profile will be available in eSolutions batch processing.

© Experian Information Solutions, Inc All rights reserved. Confidential and proprietary. 22 Summary continued The user will have the ability set display preferences for the HTML Credit Profile.  Highlight the score returned with colors to indicate approve, refer or deny.  Rearrange the order of display for the bands of information to bring the relevant data to the top of the report for each client. The user will be able to set display preferences for Instant Prescreen and Collection Advantage

© Experian Information Solutions, Inc All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian Information Solutions, Inc. Confidential and proprietary. Questions? Julia Fegel