The iQual Corporation provides consumer credit advisory services focused on financial wellness and literacy through its branded programs called the ApprovalGUARD Service and more recently Experian Credit Advisors. iQual currently provides our service directly to consumers. We also partner with corporations, financial institutions and government agencies to provide our service to their employees/clients as a benefit. Advice provided by our Credit Advisors is used by consumers to better manage their credit and credit score. This often leads to improved access to credit, monthly interest expense savings and significant default reductions. Consumers who use iQual’s credit advisory services come from all walks of life and have credit ranging from the very best to below average. Each client has credit related questions and needs that may be incrementally answered by an iQual credit advisor. iQual’s impact stems from a very personal interaction between the client and the iQual credit advisor. The credit advisor provides personal and specific tips on the client’s credit such as why their credit score is not higher and what the client might specifically do to manage their credit differently for positive changes. 95+% of our clients who are engaged in the service tell us they are EXTREMELY satisfied with ApprovalGUARD. This is the highest rating available in our survey system.