 SUMMARY OF YOUR OPTIONS1. PARTICIPATE IN THE SETTLEMENT AND SUBMIT AN AUTHENTICATION FORM In order to receive the free months of Score Watch, you need only submit an Authentication Form either on-line or by mail. An Authentication Form may be obtained on-line at www.hillisslacksettlement.com, by calling 1-800-262-0454 or by sending a written request to the Settlement Administrator at Hillis Slack Settlement, c/o The Garden City Group, Inc., P.O. Box 9114, Dublin, OH 43017-4114. Your Authentication Form must be submitted on-line or postmarked (if sent by mail) not later than 75 days after the Effective Date. For more information on these deadlines, the Effective Date of the Settlement, the Authentication procedure, and the settlement benefits, you may visit www.hillisslacksettlement.com. Do not contact the Court. 2. EXCLUDE YOURSELF FROM THE SETTLEMENT This is the only option that allows you to bring your own lawsuit against Equifax and Fair Isaac over the claims in this case. Your request for exclusion must be mailed to the Settlement Administrator and postmarked on or before May 4, 2007. Do not contact the Court. 3. OBJECT TO OR COMMENT ON THE SETTLEMENT/ATTEND THE HEARING Write the Court and the Parties about why you do, or do not, support the Settlement or any of its provisions or about speaking to the Court about the fairness of the Settlement. The Court will hold a hearing on June 4, 2007, at 10:00 a.m. Your objection must be filed with the Court and served on counsel for the Parties on or before May 4, 2007. 4. DO NOTHING You will automatically be included in the Settlement Class and give up your right to be part of any other lawsuit about the claims in this case, but you will not be eligible to receive the economic relief unless you submit an Authentication Form. ATTORNEYS' FEES, EXPENSES AND INCENTIVE AWARD: Counsel for the Settlement Class have pursued the Litigation on a contingent basis and have paid all the costs of the Litigation. These lawyers have not yet been paid or recovered any of their expenses. As part of the Settlement, Class Counsel will seek up to $4.0 million in attorneys' fees and expenses. The Court will determine a reasonable fee and expense award at the Fairness Hearing based on Class Counsel's Fee and Expense Application and responses thereto. Defendants will not oppose Class Counsel's Fee and Expense Application. Class Counsel will also ask the Court to approve a $7, 500 Incentive Award to each of the Plaintiffs (Robbie Hillis and Christy Slack). None of these payments will reduce the benefits you receive. Any money the Court awards Class Counsel and the Plaintiffs will be paid by the Defendants. To get complete information about the proposed Settlement, the Authentication procedures, the Effective Date, the deadlines, your obligations, and your options, you must visit www.hillisslacksettlement.com. Do not contact the Court. Please do not reply to this message. We are unable to respond to inquiries sent in reply to this email. To contact us, please access the official Settlement Website at www.hillis slacksettlement.com. | 
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