Successful marketing in today s challenging insurance environment. Acquire new customers. Postal databases

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1 CONSUMER INFORMATION SOLUTIONS Insurance Successful marketing in today s challenging insurance environment With more options available to your customers and more businesses competing for those customers, your success hinges on reaching and impacting the right customers and prospects, creating and fostering strategic partnerships, and communicating effectively with brokers, agents and carriers. Equifax delivers intelligent marketing solutions for insurance providers solutions designed to help you combat competition, skeptical consumers and a volatile economy. Acquire new customers For over 25 years the nation s leading direct mailers have relied on Equifax to deliver prospects with consistent response rates and lifetime value. Our broad range of demographic and lifestyle data can help you target with precision. Our comprehensive databases are rich with self-reported and compiled data, allowing you to focus in on a highly qualified universe with the opportunity to expand your mailable lists as your needs grow. Our powerful data will help fuel your direct marketing campaigns and improve your ROI. Postal databases TotalSource XL The TotalSource XL file is the largest compiled consumer database on the market. From purchase history to demographics and lifestyles, this truly comprehensive list offers more than 150 different segment groups on over 118 million U.S. households. Developed from 31 different data sources, TotalSource XL will pinpoint your prospects and deliver them to you in a timely, effective and cost-savings manner. MoveSignals Consumers who are in the process of moving require a range of products and services to help them settle into their new homes. MoveSignals starts with the largest array of linked data sources in the industry. With an exclusive combination of more than 25 event-based triggers (including archived data from the past twelve months), MoveSignals can provide unprecedented insight for marketers to understand customer s behavior before, during and after the move process. The Lifestyle Selector The Lifestyle Selector is the direct marketing industry s largest and most comprehensive database of self-reported consumer information. More than 500 response segments cover all aspects of how consumers live, what they spend their money on and what interests they possess. Equifax BusinessClass List Builder The Equifax BusinessClass List Builder is the industry's newest, largest and freshest source for high-quality business information, featuring rich demographic information on over 18.5 million businesses and over 19 million individuals. This impressive list alternative has been developed from hundreds of leading self-reported, compiled, government, yellow pages and other public, private and proprietary sources, to deliver a precise picture of your business customers. Specialty databases Equifax offers a variety of specialty databases which can help you hone in on distinct prospects best served by your products. These databases include information on small office/home office business employees and owners, outdoor enthusiasts, tech-savvy consumers, Spanish-speaking customers, and information on consumers ailments and usage of prescription and over-the-counter pharmaceuticals. (Please ask your sales representative for specific data cards for complete pricing and selections available.)

2 Data enhancement and list hygiene Our suite of list hygiene and data enhancement services can help you learn valuable information about your customers. Your house file can be used to isolate and target prime prospects for a new or alternate product or service you provide. solutions Permission-based has evolved into a vital part of the communications mix as it offers new marketing efficiency with shortened campaign timeframes. It is a fast, effective and low-cost method of interacting one-on-one with customers and prospects. Equifax offers emarketing solutions which will help you meet your multi-channel direct marketing needs and offer proven results. Powerful modeling solutions Equifax s consulting arm, the Analytic Consulting Group, can help you better understand your clients. Equifax modeling services begin with a systematic assessment of your needs and objectives. Our consultants can create customized profiles to help you understand the most appropriate target audiences and the communication medium to help you reach them. (Ask your sales representative for more information on FREE models and our modeling guarantee.) Data installations Many of our leading products can be licensed and stored at your site for use over an extended period (usually 1-3 years). The benefits and advantages of data installations over the traditional list order or Data Enhancement approach are very straightforward. Data installation arrangements can provide you with significant discounts on data, 24/7 access to valuable marketing information, enhanced flexibility and quarterly file updates. Offering endless prospecting opportunities, the following files are currently available for installation: TotalSource XL Aggregated Automotive Data Aggregated Financial Data The Lifestyle Selector Small Area Characteristics Carrier Route Marketing Index Database Solutions Our Database Solutions allow you to improve your campaign efficiency by allowing your data and multiple Equifax list products to co-exist on a single delivery platform. Within one system the prospect data you need can be refined, optimized, accessed and utilized to manage your next prospecting campaign. Now, your customer file intelligence can be combined with Equifax's industry leading prospect data to identify the greatest amount of prospects that match your existing customer profile. TargetPoint Acquisition TargetPoint Acquisition can help improve the success of your marketing efforts by providing additional information on your prospects before you expend valuable marketing resources. TargetPoint Acquisition works with your existing prescreen criteria to isolate creditworthy customers who have actually demonstrated they may be in the market for your offer. Using data from Equifax s robust credit file, TargetPoint Acquisition will allow you to segment and monitor prospects based on 22 unique, credit event-based triggers. Plus, you can now tap into our new suite of of advanced model-based predictive triggers the most statistically valid event filters available! Financial Insights Suite Companies often rely heavily on demographic and lifestyle data to make decisions about which consumers to target and what product to offer. However, these data elements alone do not provide compelling insight into the motivation behind consumer purchase decisions and the consumer s capacity to pay. A consumer's financial situation impacts virtually every purchase decision. Chances are, before a consumer buys your product, they consider their income, their discretionary income, their debts, their credit situation, or the value of their home or other investments. The Equifax Financial Insights Suite helps you better understand these dynamics for each consumer, and incorporate this knowledge into decisions about which consumers to target, what offer to make, and how to create an appropriate message.

3 Financial Insights Suite Income Credit & Debt CreditStyles TM Assets Income Identifier Income360 (by IXI) DS$ (Discretionary Spending Dollars by IXI) DSI (Discretionary Spending Index by IXI) Capacity to Pay Financial Stress Financial Activity Detailed Credit Attributes Home Value Indicator Income Producing Assets > Household income range, based on self-reported and compiled sources > Estimated income that includes income from assets > Measure of household discretionary spending. Delivered as a dollar value. > Measure of household discretionary spending capacity. Delivered as an index. > Presence of a credit card, available credit card balance, number of cards, heloc balance > Past due balances, credit score, delinquencies > Number of trades, number of inquiries for new credit > Over 200+ credit attributes, aggregated at Zip+4 level > Predicts home market value > HH level measure of liquid wealth Capitalize on cross-sell opportunities Your existing customer is often your best prospect for new or related products. Equifax s products can help you take better advantage of your cross-sell and up-sell opportunities by providing you with a deeper understanding of your customer portfolio. This valuable insight will help you identify opportunities as soon as they occur and put you in position to deliver the most appropriate offers to your best customers at the right time. Equifax Append and data enhancement Appending information to your existing house file will allow you to target your consumers with cross-sell and up-sell offers through more than one communication channel, increasing your message frequency and overall impact. When you reach customers according to their communication preference, your products are more likely to appeal to them. Plus, knowing more about their lifestyles and interests will help you offer them additional products they may be in the market for or which may be attractive to them. Modeling Solutions Equifax s range of models can help you improve cross-sell initiatives by pinpointing ripe segments for specific products and services. Our analytic experts will paint a picture of your best customer segments and score and rank them based on a variety of criteria. This valuable information will help you maximize additional sales among your current customers. (Ask your sales representative for more information on FREE models and our modeling guarantee.) Database Solutions Our Database Solutions can help you maximize cross-sell and up-sell results. With a broad array of data enhancement, analytic and modeling services available, your data can be mined to identify new or hidden opportunities with your existing customers. The integration of your data and ours into a single, highly efficient platform allows you to customize name selection in ways that previously required special programming or were simply not possible. TargetPoint Cross-Sell TargetPoint Cross-Sell can help you anticipate your customers needs, allowing you to build upon and maximize the value of your relationships. This enhanced prescreen service will alert you to vital financial activities carried out by your customers, so you can extend a relevant offer before they seek insurance elsewhere. TargetPoint Cross-Sell will allow you to segment and monitor prospects based on 22 unique, credit event-based triggers.

4 Improve customer retention The value of your existing customers can not be underestimated. Once you have invested in capturing customers best served by your products, learning more about them can help you secure their loyalty and future business. Equifax has a variety of products to serve your customer retention objectives and help you maintain customer relationships. Equifax Append and Equifax Reverse Append Our suite of Append products allows you to target your customers through more than one communication channel, increasing the opportunity to reach all your potential customers and build stronger relationships with them. Equifax Append and Equifax Reverse Append can add a vast amount of information to your database records, including: and postal addresses, name, age, income, gender, marital status, dwelling type, lifestyles, interests and much more. Your enhanced database will help you reach your customers more effectively and improve your retention efforts. Data Enhancement Our Data Enhancement solutions will enable you to target and communicate with your customers more effectively by allowing you to enhance your file with more than 700 powerful data elements. These include: Demographic elements Lifestyle and interest selects Purchase behavior information Household automotive selects List Hygiene Knowing who to market to is only one half of the challenge. Making sure that you can reach those customers with your communications is essential. Equifax List Hygiene services are designed to cleanse clients' house files and mailing lists by minimizing the number of records with undeliverable addresses, identifying duplicate records, adding forwarding addresses and suppressing the names of prospects who have requested not to receive offers by mail. By making sure your list contains the most up-to-date information, you can improve response rates, reduce costs and maintain communication with your most valuable customers. Database Solutions Our Database Solutions can help you more efficiently manage customer relationships by facilitating a single and comprehensive view of your customer across multiple data sources, databases and business lines. We can help you increase the effectiveness of your ongoing marketing initiatives and customer relationship activities. Modeling Solutions Our analytic services are designed to support you at each stage of your marketing effort. These services range from exploratory product-based profile studies to retention modeling that uses your house data coupled with Equifax demographic and lifestyle data to maximize return on marketing investment. FOCUS FOCUS reports are created by temporarily appending your customer records with data from the Equifax Lifestyle Census database. This proprietary profiling tool simulates the U.S. marketplace and allows you to compare customers key lifestyles and demographics to the country as a whole. FOCUS will help create a picture of your best customers and identify more individuals who match your that customer profile. This highly effective model will help you predict response as well as the probability that a given responder will be quoted a policy. House File Optimizer House File Optimizer compares your best customers to the balance of YOUR database in order to identify the next best prospects. This technique ranks records within your house file based on how closely they resemble your best customers. House File Optimizer is an ideal solution which can help reactivate lapsed policy holders, or activate inquiries into new policy holders. (Ask your sales representative for more information on FREE models and our modeling guarantee.)

5 prospects, improve customer relationships and increase revenue Equifax offers a range of solutions designed to help insurance companies uncover new prospects, learn more about their customers and uncover new opportunities. Whether you offer property and casualty, health, life, auto, annuity or specialty insurance, Equifax can help you: Identify qualified prospects by accessing our leading databases, rich with lifestyle and demographic selections on more than 100 million consumers and 18.5 million businesses. Improve direct marketing campaigns and increase ROI. Learn more about your customers to assist in retention efforts. Leverage and maintain your house file effectively. Manage and capitalize on multiple channels, including marketing as a part of your growth and customer retention strategy. Contact us today to discuss how our target market intelligence can help satisfy your needs

6 This publication contains valuable trademarks, service marks, names, titles, logos, images designs, copyrights and other proprietary materials owned by Equifax Inc and its affliated companies, including, but not limited to the registered marks Equifax, The Lifestyle Selector, Small Area Characteristics Database, Buyer's Choice and Equifax Lifestyle Census and the marks High-Tech Connect, TotalSource XL, TotalSource New Movers, Equifax BusinessClass, Equifax Append, Equifax Reverse Append, FOCUS, House File Optimizer and Database Solutions; any unauthorized use of the same is strictly prohibited. Discretionary Spending Dollars, Discretionary Spending Index, DSI, DS$, and Income360 are trademarks of IXI Corporation. Copyright (c) 2009, Equifax Inc., Atlanta, Georgia. All rights reserved. EFS-879-ADV 7/09