Equifax (EFX)

Online Consumer Information Solutions

        The 2007 increase in revenue was primarily due to volume increases from our regional customers and both volume and price increases from our smaller customers. Revenue from resellers also rose during 2007 due to price increases that became effective near the end of 2006, and we recorded higher revenue from our insurance, banking and regulatory brokerage monitoring customers. These increases were partially offset by price and volume decreases from certain large financial services institutions. The 2006 increase in revenue was primarily due to higher sales volume to our financial services customers, which offset some decline in telecommunication accounts and price compression. Online transaction volume in this business unit was approximately 690 million, 650 million and 610 million in 2007, 2006 and 2005, respectively.

Online Consumer Information Solutions

        Online Consumer Information Solutions revenue for the nine months ended September 30, 2007 totaled $488.4 million, an increase of $17.2 million, or 4%. The rise in revenue was primarily due to favorable market conditions in the first six months of 2007 which led to higher average sales prices related to reseller customers, volume increases related to mid-sized, regional and small customers. This increase was partially offset by declines associated with certain of our large financial services customers as well as lower average sales prices overall. In our Online Consumer Information Solutions business, on-line volume was approximately 522 million transactions, up 8% year-over-year.

37

Online Consumer Information Solutions

Online Consumer Information Solutions revenue for the six months ended June 30, 2007 totaled $327.5 million, an increase of $15.7 million, or 5%, when compared to the same period in 2006. The rise in revenue was primarily due to favorable market conditions which led to volume and price increases related to resellers and small customers and volume increases related to a government agency. This was partially offset by declines associated with certain of our large financial services customers. In our Online Consumer Information Solutions business, on-line volume was approximately 345 million transactions, up 10% year-over-year.

33

Online Consumer Information Solutions

Online Consumer Information Solutions revenue for the three months ended March 31, 2007 totaled $162.1 million, an increase of $7.2 million, or 5%, when compared to the same period in 2006. The rise in revenue was primarily due to volume and price increases, mainly related to resellers, due to favorable market conditions. This was partially offset by declines associated with certain of our large financial services customers. In our Online Consumer Information Solutions business, online volume was approximately 170 million transactions, up 10% year-over-year.

Online Consumer Information Solutions

Our Online Consumer Information Solutions (“OCIS”) products and services are derived from the credit information that we maintain about individual consumers and are the primary products and services in our USCIS segment. We offer a full range of OCIS products in the U.S., including credit reporting, credit scoring, risk management, fraud detection and modeling services, together with certain of our decisioning products that facilitate pre-approved offers of credit and automate a variety of credit decisions. Our customers utilize the information we provide to make decisions for a wide range of credit and business purposes, such as whether, and on what terms, to approve auto loans or credit card applications, and for identity verification and similar business uses. Risk management, as well as fraud detection and prevention services, enable banks and financial institutions to monitor default rates and proactively manage their existing credit card or other consumer loan accounts.

OCIS customers access products and services through a full range of electronic distribution mechanisms, including direct real-time access, which facilitates instant decisions for the immediate granting of credit. Customers of our OCIS products include banks, mortgage lenders, financial institutions, telecommunications and utility companies, retailers, automotive manufacturers and dealers, brokerage firms, insurance companies, healthcare providers and governments.