InterConnect. InterConnect

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2 As data, technology and global business deployment requirements change at a dizzying pace, organizations like yours need to constantly weigh the benefits of new account acquisition against potential risk. Global organizations must continually evolve to maximize opportunity and drive progress. To evolve, you need the best in decision management automated decisioning technology that transforms complex data and risk decisioning strategies into actionable insights and profitable decisions. Evolve to Decide The solution needs to empower your frontline decision makers making them less reliant on I.T. in harnessing data and analytics in ways unique to each business. And it must allow business users to react in real-time to maximize profit and minimize credit risk. The next era in credit and risk decisioning is It is a flexible (SaaS-based), modular and secure decisioning platform that offers easy access, integration with existing systems and rapid scalability with limited reliance on I.T. User-Centered, Agile Design for Revolutionary Decisioning Equifax has been collaborating with customers worldwide for more than a decade to meet the evolving requirements of business users seeking to maximize growth by better tapping into consumer behavior and insights. To succeed, our customers need an agile, adaptable Decision Management System (DMS) that: Enables frontline professionals to control credit and risk strategies from development to deployment, scaling with ease Provides real-time access to relevant, differentiated data, attributes and analytical models Delivers a way to set champion/challenger and what if scenarios with ease to measure policy performance InterConnect meets the market s demand for a more flexible DMS that can augment current systems and react more quickly to realtime decisioning. It will help your organization make consistent, immediate and low-risk/high-reward decisions about customers. Leveraging our background as a global leader in deep, differentiated data, actionable analytics and leading edge technology, this game-changing evolution of InterConnect makes the hard work of knowing the right customer and the right offer easier than ever before. LIMITED I.T. INVOLVEMENT 4 Gives organizations the choice to self-implement the system, or partner with Equifax experts to develop, enhance and maintain it for them SIMPLE FLEXIBLE SCALABLE CLOUD-BASED 5 And, enables rapid upgrades and deployment of new features automatically, thanks to the scalable, cloud-based SaaS platform RIGHT CUSTOMER RIGHT OFFER

3 Account Acquisition: How InterConnent helps you move customers from application to account activation Time to Approval Seconds Application Gather Analyze Analyze Decide Approved INSIGHT GATEWAY ATTRIBUTE NAVIGATOR MODEL INTEGRATION TOOL RULES EDITOR Select Sources Create Custom Attributes Create Custom Models Define Decisioning Rules Number of 60 days past due Number of Trades Open Trades 3rd Party Equifax Bank Customer % of Satisfactory Trade Scorecards Decision Trees Test and Refine

4 Modular design lets you access and implement only the tools you need So much of the beauty of InterConnect is its modular nature. Modular in its structure, modular in its deployment, modular in its ability to remain flexible and enable real-time decisioning and optimizing. It is the culmination of selecting and piecing together the best solutions and technologies in highly custom ways. InterConnect now offers four tools that can be used together for an end-to-end decision management solution, or as stand-alone components that you can access directly or integrate with your existing systems. We meet you where you are now and help you evolve to the next level InterConnect is a flexible and secure cloud-based platform that converts complex inputs into actionable insights. It delivers streamlined access to diverse data sources, better attribute creation and deployment, easier rules management, stronger analytics and model integration to help you make more consistent decisions and get to market faster. equifax.com/business/interconnect Tools built to flex to your advantage: Every customer is unique, and Equifax knows that one size does not fit all. That s why InterConnect is flexible to deploy. Whether you need a standardized solution to help you generate insights or you re a power user who seeks sophisticated design and implementation support to drive complex risk strategies, InterConnect can help. Robust data. Powerful analytics. Streamlined technology. InterConnect helps move you from strategy to results in less time, with less complexity. INSIGHT GATEWAY ATTRIBUTE NAVIGATOR MODEL INTEGRATION TOOL RULES EDITOR The newly upgraded breadth of options allows you to access the precise level of technology, data and analytics for insights that works for your organization right now and scale as your needs change. Insight Gateway accelerates time-to-insights by allowing you to set orchestrated access to diverse data sources, including conditional waterfalls, to get the data you need, when you need it. Attribute Navigator helps streamline attribute creation by allowing businesses to easily access differentiated data sources to develop customized attributes to be used in scorecards for more precise decisioning. Model Integration Tool allows you to rapidly integrate, audit and deploy custom models and scorecards with simplicity so you can productionalize your models faster. Rules Editor helps improve efficiencies and decreases costs by empowering business users integrated technology to easily create, test, and edit rule policies, without the reliance on I.T. resources. Equifax and EFX are registered trademarks and is a trademark of Equifax Inc. Copyright 2016, Equifax Inc., Atlanta, Georgia. All rights reserved

5 Decide to Evolve. Evolve to Decide. InterConnect did. Join us. InterConnect offers what other solutions can t the combination of robust data, powerful analytics, user-friendly technology and a partner in innovation to help move users from strategy to profitable decisions in less time, with less complexity. Whether you are a small business, a global enterprise, or something in between, join the decision evolution and find out what InterConnect can do for your decision strategies. equifax.com/business/interconnect

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