Federal Supply Schedule GS22F9611D

GENERAL SERVICES ADMINISTRATION

Federal Supply Schedule

AUTHORIZED

FEDERAL SUPPLY SCHEDULE PRICE LIST (CATALOG)

On-line access to contract ordering information, terms and conditions, up-to-date pricing, and the option to create an electronic delivery order are available through GSA Advantage!, a menu-driven database system. The INTERNET address GSA Advantage! is www.GSAAdvantage.gov .

Schedule Title: Financial and Business Solutions

FSC Group: 520

Contract Number: GS-22F-9611D

For More information on ordering from the Federal supply Schedules click on the FSS Schedules button at http://fss.gsa.gov

Contract period: May 1, 2005 to April 30, 2010

Equifax Information Services

LLC

Peachtree Street, NW

Atlanta, GA 30309

404-885-8300

404-885-8227 www.equifax.com

Benay Weiss

Equifax Information Services

LLC

National Sales Manager, GSA & GSE's

214-696-3953

Business size: Large

Prices Shown Herein are Net (discount deducted)

Supplement number 3, effective April 30, 2002

August 19, 2004

Customer Information:

1a. Awarded SIN: SIN 520-16 (Business Information Services)

Credit*Hi-Lite Report (CHL)

Report Type

Government Price

1 Repository without Credit Scores – Individual/Joint

$1.20/2.40

1 Repository with Credit Scores – Individual/Joint

$1.40/2.80

2 Repositories with Credit Scores

Individual/Joint

$5.75/$8.60

3 Repositories with Credit Scores

Individual/Joint

$8.50/$13.00

NOTE: A surcharge of $3.00 for a joint 2 repository merged in-file credit report and $5.70 for a joint 3 repository merged in-file credit report will be assessed on all Colorado files.

NOTE: Equifax Mortgage Services will pass on the FACT Act regulatory recovery fees from the credit repositories. The fee will be included in the report price and itemized on the invoice. All three credit repositories will have the same fees - $.11 for an individual file and $.22 for a joint file.

Following are the additional terms and conditions applicable to credit scoring services:

1. Disclosure of Scores. Client will hold all information received from Equifax in connection with any scoring services received from Equifax under this Agreement ("Credit Score Information Services") in strict confidence and will not disclose that information ("Scores) to the consumer or to others except as required or permitted by law. Client may provide the principal factors contributing to the Scores to the subject of the report when those principal factors are the basis of the Client’s adverse action against the subject consumer.

2. ECOA

Statements. Equifax reasonably believes that, subject to validation by Client on its own records, (1) the scoring algorithms used in the computation of the Scores are empirically derived from consumer credit information from Equifax’s consumer credit reporting database, and are demonstrably and statistically sound methods of rank ordering candidate records from the Equifax consumer credit database for the purposes for which the Credit Score Information Services were designed particularly, and each is intended to be an "empirically derived, demonstrably and statistically sound credit scoring system" as defined in Regulation B, with the understanding that the term "Empirically derived, demonstrably and statistically sound," is defined only in a general manner by Regulation B, and has not been the subject of any significant interpretation; and (2) the scoring algorithms comprising the Credit Score Information Services, except as permitted, do not use a "prohibited basis," as such phrase is defined in Regulation B.

3. Release.

Equifax does not guarantee the predictive value of the Scores with respect to any individual, and does not intend to characterize any individual as to credit capability. Neither Equifax nor its directors, officers, employees, agents, subsidiary and affiliated companies, or any third-party contractors, licensors or suppliers of Equifax will be liable to Client for any damages, losses, costs or expenses incurred by Client resulting from any failure of a Score to accurately predict the credit worthiness of Client’s applicants or customers. In the event the Credit Score Information Services were not correctly applied by Equifax to any credit file, Equifax’s sole responsibility will be to reprocess the credit file through the Credit Score Information Services at no additional charge.

Edited Credit*Hi-Lite Report (ECHL) - $6.50 per tradeline added or updated

Residential Mortgage Credit Report (RMCR) - $26 individual three repositories without Credit Scores/$36 Joint

$28 joint three repositories with Credit Scores/$38 Joint

Mortgage Business Credit Report SM - $60

1b. All prices listed above are lowest unit price for each SIN awarded in the contract.

1c. Hourly rates are not applicable.

2. Maximum order: $500,000

3. Minimum order: $300

4. Geographic coverage (delivery area): Domestic only

5. Points of production:

Windward Concourse, Alpharetta, GA 30005

6 E. Clementon Rd., Suite A-2, Gibbsboro, NJ 08096

1 E. 22nd St., Suite 520, Lombard, IL 60148

6. Prices listed are net price.

7. Volume/tiered pricing available upon request (greater than 100K units)

8. Prompt payment terms: Net – 30 days

9a. Government purchase cards are accepted at and below the micro-purchase threshold.

9b. Government purchase cards are accepted at and above the micro-purchase threshold.

10. Foreign items: N/A

11a. Time of delivery:

CHL – within one minute with electronic ordering and delivery

ECHL – within 2 business days from date of receipt

RMCR – within 5 business days from date of receipt

11b. Expedited delivery: Items available for expedited delivery are noted in this price list.

11c. Overnight and 2-day delivery: Overnight and 2-day delivery is available on ECHLs & RMCRs upon request. Please contact your fulfillment office at 1-800-374-2179 (Lombard, IL) or 1-800-333-0037 (Gibbsboro, NJ) for rates.

11d. Urgent requirements: In accordance with the “Urgent Requirements” clause of our GSA contract, agencies may contact their fulfillment office at 1-800-374-2179 (Lombard, IL) or 1-800-333-0037 (Gibbsboro, NJ) to effect a faster delivery

12. F.O.B.

point(s): CONUS

13a. Ordering Address:

6 E. Clementon Rd., Suite A-2, Gibbsboro, NJ 08096

Windward Concourse, Alpharetta, GA 30005

1 E. 22nd St., Suite 520, Lombard, IL 60148

13b. Ordering procedures: For supplies and services, the ordering procedures, information and Blanket Purchase Agreements (BPA’s), and a sample BPA can be found at the GSA/FSS Schedule homepage (fss.gsa.gov/schedules).

14. Payment Address:

P.O. Box 105186

Atlanta, GA 30348-5186

15. Warranty Provision: Equifax will answer questions from a customer and reinvestigate any disputed information.

Equifax will report findings to customer with no additional charge for this service.

16. Export Packing Charges: N/A

17. Government purchase card acceptance: Payments accepted up to $99,999

18. Terms and conditions of rental, maintenance and repair: N/A

19. Terms and conditions of installation: N/A

20. Terms and conditions of repair parts indicating date of parts price lists and any discounts from list prices: N/A

21. List of service and distribution points: N/A

22. List of participating dealers: N/A

23. Preventive maintenance: N/A

24a. Special attributes such as environmental attributes: N/A

24b. Section 508 compliance information: N/A

25. DUNS

number: 045812369

26. Equifax Information Services LLC is registered in the Central Contractor Registration (CCR) database.

Company Overview

Equifax is a global leader in turning information into intelligence. In Canada, the United Kingdom, Spain, Portugal and Latin America, we are the leading provider of consumer and commercial financial information.

For businesses, Equifax provides faster and easier ways to find, approve, and market to the right customers.

For consumers, Equifax offers easier, instantaneous ways to buy products or services, and better insight into and management of their personal credit.

Equifax Inc, along with its subsidiaries and affiliates (collectively referred to as "Equifax"), operates with $1.2 billion in revenue. On our website at www.equifax.com, you can find additional financial results, including a printable copy of our 2003 Annual Report, and general information regarding Equifax.

Rooted in Equifax, Inc.’s operating principles of growth, innovation, technology, and people, the Equifax vision is to be recognized as the premier company in its industry. New business development is a priority. Equifax has earned numerous 'best in class' awards in the areas of identity verification, fraud, and modeling, employing new technologies our competitors constantly strive to imitate. Equifax has:

Concerns for security. We are the first on-line financial information services company to use 128-bit encryption and identity authentication.\

Developed new business that represents first for the Information Services industry.

Equifax has been the first to develop and market credit tools for consumers;

the first, and only, to build a proprietary database on small businesses; and the first to bring unique products to market in the emerging fraud, safety and security arena.

Evolved from a Data-centric company into a technology-centric enterprise. The value proposition in our business lies not in the data, but in what our technology enables us to do with the data, such as helping to alert customers to suspicious, high-risk individuals and entities.

Broadened our Customer Range. Through repurposing content and customizing products to meet specific needs, we are expanding and diversifying our market reach.

Equifax is committed to enhancing its product offerings by continual product research and development. Significant human, system, and financial resources are dedicated to support current product offerings as well as product enhancements and to the development of new solutions that exceed the needs of our market place and customers.

Equifax Mortgage Services

Equifax Mortgage Services (EMS) operates as a separate business unit within Equifax and has served the needs of the real estate industry for over 100 years. EMS was formed to serve the mortgage industry through rapid response to requests for information and to meet the technology needs of today’s market.

Equifax Mortgage Services has become the premier provider of information and service by supplying the highest quality products and services through long-term strategic relationships with our customers. In addition, EMS maintains a proactive approach to credit reporting through strong ties to all of the secondary market agencies. EMS can be accessed through several channels, with connectivity available via X12, Internet, Fannie Mae, Freddie Mac or a host of LOPS vendors. We are actively involved and up to date on industry standards, including EDI and other MISMO-accepted XML standards being developed.

Equifax Mortgage Services employs over 200 professionals in three production locations and over twenty full-time sales associates providing quality service to our customers nationwide. EMS production locations employ trained professionals who range from managers, administrative personnel, systems administrators, data entry clerks, credit reporters, reviewers, customer service representatives and clerical staff.

It is a flexible work force comprised of full-time and part-time employees. This allows us to manage our workflow in an industry that is sensitive to fluctuations.

At our J.V. White Technology Center in Georgia, EMS has system engineers, system programmers, quality control personnel and customer service representatives to work with our sales and product staff as well as our customers’ technology staffs.

Product Overview

Credit*Hi-Lite® (CHL)

Credit*Hi-Lite is a merged in-file credit report that may contain one, two or three repositories. The CHL may be ordered through the EMS Web site (www.equifax.emortgage.com), through EMS software (EC2), or by fax. The CHL can be used for underwriting or as a pre-qualification report. Duplicate tradelines are merged. Value added products, such as Fair, Isaac (FICO®) scores and fraud and risk management tools may be included.

Edited Credit*Hi-Lite® (ECHL)

The Edited Credit*Hi-Lite report is a mid-range report that allows you to add items from your application for verification or update items on the CHL. The ECHL is a customized report in which the customer chooses to update or add employment, public records, tradelines and/or inquiries.

Residential Mortgage Credit Report (RMCR)

The Residential Mortgage Credit Report is a fully investigated product. The RMCR verifies 2 full years of employment and address history, 7 years of tradeline data updated to within 90 days, up to 2 full years of inquiries are available, 7 years of public records. The RMCR verifies the information that assists the customer with judging an applicant’s ability to repay a loan. Information is verified and updated in the EMS production offices.

Each of these reports meets the requirements of the secondary market agencies, i.e., FNMA, FHLMC, HUD, VA, USDA-RHS.