Please be assured that any information you provide to us for these purposes will be held in the strictest confidence and will be available only to those employees responsible for approving marketing offers or performing audits of our policies and procedures. This information is covered under the "Confidentiality" section of our agreement.

Experian^® uses the Direct Marketing Association Guidelines for Ethical Business Practices as our standard when evaluating a marketing offer. For example, the DMA guidelines indicate that marketers should not display personal data in an offer so as to presume specific knowledge about a consumer (i.e., "Because you have a new baby ...," "As someone who suffers from diabetes...," "Our records indicate you have a mortgage with ABC Company ..."). In addition, we make sure telemarketing scripts adhere to the Telephone Consumer Protection Act (TCPA). If you want more information on either of these, you can visit the DMA Web site at www.the-dma.org or the Federal Trade Commission Web site at www.ftc.gov.

You are correct. Property and mortgage deeds are public data. However, the DMA guidelines should still be applied out of consideration for consumer privacy. Most consumers would consider information related to finances, including the name of their financial institutions, to be highly personal and sensitive, and they are probably not aware this data is public. Consumers may assume the marketer accessed this information from their credit file. In order to demonstrate to legislators and policymakers that self-regulation works, marketers must be responsible managers of consumer data or we risk losing access to data that is public record and consequently become unable to use it for marketing purposes. This is what happened when the Shelby Amendment went into effect and we lost access to motor vehicle and driver's license data—another public record source.

Most consumers associate these terms with credit offers. Because we want to show a clear delineation between the use of Experian's marketing and credit data, we do not allow this language to be used in offers when data selected is noncredit data from our marketing databases. We don't allow this because to do so might prompt the Federal Trade Commission to claim that our entire marketing database is regulated by the Fair Credit Reporting Act (FCRA). We don't want consumers to be confused and think that any type of credit decisions was made prior to their receiving a marketing offer.

We do allow clients to prescreen a marketing list from us. However, the clients who choose to do this must meet all the FCRA requirements, as well as have our approval regarding the reason for the prescreening.

All companies have their own approval policies. Experian has developed an approach based on the value we place on consumer privacy. In this way, we assess business opportunities while also maintaining the appropriate balance between use of information and consumer expectations of privacy. One of the methods we use to ensure there is a balance is to review the marketing offers for selected data elements that we have defined as sensitive. Our hope is that our clients see this as a positive way we can work together to maintain the integrity of our industry and increase consumer trust in how their personal information is used for marketing.

When you place an order that contains sensitive data elements, your order will be placed on hold for compliance review. Experian needs to approve the actual mail piece or phone sales script to be used with this list. Delivery of your list will be held until your item(s) are approved. Please email, fax or mail your marketing piece or telemarketing script to the Experian compliance department.

• Email (preferred method) — marketingofferreview@experian.com
• Fax — (402) 473-9726
• Postal — Experian, Attn. Compliance, 949 West Bond St., Lincoln, NE 68521

Upon approval, we will release the order. You will be notified by email, and can proceed with downloading the list. If denied, you will be notified by email with the reason(s) your pieces were rejected. You have the option of resubmitting a revised piece for further review, or cancel your order.

Please be assured that any information you provide to us for these purposes will be held in the strictest confidence and will be available only to those employees responsible for approving marketing offers or performing audits of our policies and procedures.

In evaluating your marketing offer, we will use the Direct Marketing Association Guidelines for Ethical Business Practices as our standard. For example, the DMA guidelines indicate that marketers should not display personal data in an offer to presume specific knowledge about a consumer (i.e., "Because you have a new baby..."). In addition, we make sure telemarketing scripts adhere to the Telephone Consumer Protection Act (TCPA). If you want more information on either of these, you can visit the DMA Web site at www.the-dma.org or the Federal Trade Commission Web site at www.ftc.gov.