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

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

3. Equifax Confidential and Proprietary Equifax Commercial “Elevator” Overview

4. Equifax Confidential and Proprietary 4 Proven Market Leader  Started in 1899  S&P 500 Company  400,000+ Customers  250+ Products  Operations in 14 Countries  $1.8 Billion in Revenue  7000 Associates  NYSE Firm (EFX) Data  400 million Consumer/Commercial Profiles  5 billion Trade lines  2 billion Updates Monthly  5.5 billion Scores Annually  5 million Decisions Daily

5. Equifax Confidential and Proprietary 5 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.

6. Equifax Confidential and Proprietary 6 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

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

8. Equifax Confidential and Proprietary 8 SBFE Board of Directors

9. Equifax Confidential and Proprietary 9 Market Coverage *Source: SBA Web site/FAQs/March 2008 Large Businesses Mid-size Businesses Small Businesses Approx. 26.8M* D&B Equifax Approx. 17K Experian Trying to acquire small business trade lines Expanding file: adding new commercial records Enriching current file: adding non- financial trade lines

10. Equifax Confidential and Proprietary 10 Equifax Commercial Differentiators No Charge for No-Hit/Search No Charge for No-Hit/Search

11. Equifax Confidential and Proprietary 11 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 decision- making process. I would definitely recommend this product.” Kenneth Smith, Credit Manager Saia, Inc.

12. Equifax Confidential and Proprietary Commercial Solutions Products & Services

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

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

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

16. Equifax Confidential and Proprietary 16 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

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

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

19. Equifax Confidential and Proprietary 19 Public Record Detail

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

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

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

23. Equifax Confidential and Proprietary 23 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.

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

25. Equifax Confidential and Proprietary 25 Financial Account Detail

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

27. Equifax Confidential and Proprietary 27 Non-Financial Account Payment Detail

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

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

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

31. Equifax Confidential and Proprietary Commercial Solutions Data Quality

32. Equifax Confidential and Proprietary Equifax Confid ential & Proprie tary 32 Commercial Database Growth

33. Equifax Confidential and Proprietary Equifax Confid ential & Proprie tary 33 Folder Composition % of Business Folders

34. Equifax Confidential and Proprietary Equifax Confid ential & Proprie tary 34 Unique Financial Relationships % of Business Folders

35. Equifax Confidential and Proprietary Equifax Confid ential & Proprie tary 35 Key Business Content Folders with at Least One:

36. Equifax Confidential and Proprietary 36 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

37. Equifax Confidential and Proprietary 37 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”

38. Equifax Confidential and Proprietary 38 Questions? Comments? Discussion