Mortgage Services > Today s mortgage lenders are faced with. constant challenges Equifax can help. CONSUMER INFORMATION SOLUTIONS

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1 CONSUMER INFORMATION SOLUTIONS Mortgage Services > Today s mortgage lenders are faced with constant challenges Equifax can help. From quick access to tri-merge reports to independent third-party appraisals, Equifax provides a tightly integrated set of solutions for your entire mortgage loan lifecycle helping you reduce time and costs while growing your business.

2 Reach Customers with the Right Product, via the Right Channel at the Right Time the Right Prospect, at the Right Time With more options available to your customers and more lenders reaching out to capture their business, your success hinges on reaching and impacting the right borrowers and prospects and maintaining the relationships you have worked hard to build. Equifax combines the marketing intelligence you need such as credit, property/deed, phone and demographic data to help you learn more about responsive, qualified customers. Our marketing services include: TargetPoint Acquisition TM A customized, automated prescreen tool designed to quickly and accurately pinpoint new account opportunities weekly, biweekly, monthly or quarterly Tranzact Information Services Tranzact Information Services simplifies and automates marketing information, providing mortgage professionals with insight to support their acquisition, cross-sell and retention marketing programs. Equifax is an authorized reseller of Tranzact s services, which are designed to take disparate data from several sources and standardize it for more effective marketing campaigns Mortgage Portfolio Review Service A batch process that allows you to update recent credit scores and other credit characteristics on your portfolio Portfolio Retention SM A cutting-edge tool that helps you retain your best clients and protect the valuable loans in your portfolio by identifying key customers who may have re-entered the mortgage market MarketReveal SM Suite PortfolioID for Mortgage & HELOC allows you to mine and leverage valuable credit-active consumer data to obtain both the high level, comprehensive view of your portfolio and the highly detailed customer-level information you require to drive your business. ProspectID for Mortgage & HELOC is a highly tailored acquisition marketing solution that delivers prescreened consumer prospect lists for FCRA-compliant marketing campaigns, combining the power and flexibility of a large-scale implementation with the speed and highly targeted nature of a packaged offering

3 Reduce App-to-Close Loan Cycles Increase Pull-Through While Reducing Your Loan Cycle to Five Days Equifax Settlement Services is your centralized resource for title, closing and appraisal services reducing your application-to-close loan cycle, increasing pull-through rates, minimizing fraud and enhancing your borrower s overall closing experience. Advanced Technology Centralized Web-based management of all loan documents along with seamless, scalable software solutions Fully Independent Third-Party Appraisals System automatically selects, contacts and confirms the most qualified appraiser for the job to assure independence no manual interaction involved Enabled and Experienced Providers An experienced network of more than 20,000 process-certified suppliers who are continually evaluated based on rigorous performance metrics and lender feedback Custom Workflows Unique workflow-driven processes built for specific loan channels with user-controlled management tables that allow customization down to the lender, loan type and/or zip code level Product Bundles and Menus Intelligent product sets that fill your specific gaps Seasoned Account Management Team Lender-dedicated teams of veteran support specialists

4 Efficiently Originate Mortgage Loans Through Our Advanced Technology As a global leader in information solutions, Equifax provides consumer credit information at the best price via the greatest customer service levels in the industry. Our advanced technology, such as Equifax Mortgage Connect, allows you to leverage your company's existing system for a single connection to all of our mortgage services and products. Credit*Hi-Lite - Single, dual and tri-merge reports offering current, reliable consumer credit data Expedited Consumer Dispute Mortgage Only Verification Mortgage Business Credit Report Quick access to various LOS, POS and AUS platforms EC2 Software - Internet and Windows-based software from Equifax Originate Mortgage Loans Efficiently Freddie Mac s LP Classic, LoanProspector.com and FHA Total Mortgage Scorecard Fannie Mae s ebusiness Solutions, Desktop Originator, Desktop Underwriter, Home Counselor Online TM and DU Connections TM Style Sheets - Customized XML report presentation Equifax IntelliMerge TM - Merge decisioning and transaction management Leading flood determination services, including LandAmerica Flood Services Automated Valuation Models (AVMs), such as Freddie Mac s Home Value Explorer SM Consumer Credit Score Optimization - Built by CreditXpert, these tools help you determine the best actions your applicants can take to maximize their credit score and allow you to see what could happen to an applicant s credit score if certain changes are made Connection to Equifax InterConnect TM - A configurable application processing and decisioning system that allows you to approve new accounts in real time

5 Control Risk and Reduce Losses with Valuable Risk Scoring & Analytics When you order merged credit files through Equifax, you can incorporate powerful risk-assessment tools, such as: VantageScore A highly predictive model that helps you better determine consumer creditworthiness by leveraging the same scoring algorithm across all three major credit reporting companies Equifax Risk Score SM and BEACON Models that predict the likelihood of a consumer becoming seriously delinquent (90+ days past due or worse) within 24 months of scoring Bankruptcy Navigator Index Predicts the likelihood of consumer bankruptcy within 24 months of scoring CreditForecast.com TM Serves your forecasting needs with more than 200 series of credit and economic data offering the most powerful forecasting tool in the industry, five-year forecasts with quarterly periodicity, and credit history dating back to 1998 Capital Markets Services Empowers businesses in the secondary and capital markets with the most up-to-date borrower and property information available including loan-level scores and data for non-agency ABS, powerful analytics and timely economic forecasting. Verify Identity, Employment and Income Equifax offers a one-source suite of fraud detection and identity verification tools that assist companies in combating fraudulent activity while allowing you to minimize manual review costs and comply with regulatory requirements. And with our acquisition of TALX, we now offer the largest central source for employer-provided employment and income information. SAFESCAN An Equifax online database that alerts you to questionable and potentially suspicious information elements eidcompare TM eidcompare is an Internet-based service that helps companies mitigate the risk of doing business online by validating that an applicant s identity actually exists or by verifying the identity of a joint applicant not present during an account opening process. It is an economical solution that is deployed for less risky, lowerexposure online transactions by leveraging a waterfall approach to validating applicant information against multiple data sources OFAC Alert TM Automates the OFAC screening process and delivers clear, easy-to-read results to the point-of-sale on every inquiry, allowing you to streamline compliance with federal regulations, such as the USA PATRIOT Act The Work Number Reports start date, job title and more, as of the employer's last pay period eliminating the administrative burden of completing manual employment and income verifications during your mortgage application process For more information about our mortgage services, contact your Equifax sales representative or visit

6 Equifax Actively Supports Industry Regulations and Organizations Equifax supports the Community Reinvestment Act in helping lenders serve the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. As such, Equifax provides non-traditional credit reports to lenders that meet all secondary market guidelines for collecting the information required in the traditional 1003 form. Equifax is actively involved in current industry issues and future initiatives of the mortgage industry through our high-level involvement in the Mortgage Industry Standards Maintenance Organization (MISMO). By taking a leadership role in MISMO, we have our finger on the pulse of the data elements that are critical to our core business and used by mortgage originators to request, track and manage credit reports typically required in mortgage lending. Also, Equifax is the first service provider to partner in Housing and Urban Development s (HUD) Best Practices Agreement. Equifax Mortgage System Affiliates Equifax maintains two levels of affiliate services for other credit reporting agencies. The first level is a software licensee that connects to our mortgage technology platform for all credit reporting services that include the merge process and access to AUS and LOS vendors. The second level is a software licensee that provides connection directly to Fannie Mae and/or Freddie Mac only. For more information about our affiliate services, contact: Diana Loiacono Equifax Mortgage Solutions Affiliated Services diana.loiacono@equifax.com This publication contains many of the valuable trademarks, service marks, names, titles, logos, images, designs, copyrights and other proprietary materials owned, registered and used by Equifax Inc. and its affiliated companies, including but not limited to the registered mark Equifax ; any unauthorized use of same is strictly prohibited and all rights are reserved by Equifax Inc. and its affiliated companies. All other trademarks and service marks not owned by Equifax Inc. or its subsidiaries that appear in this publication are the property of their respective owners. Equifax is a registered trademark of Equifax Inc. Inform, Enrich, Empower is a trademark of Equifax Inc. Copyright 2009, Equifax Inc., Atlanta, Georgia. All rights reserved. Printed in the U.S.A. EFS-463-ADV 1/09

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