Bankrate, Inc. (Bankrate) owns and operates an Internet-based consumer banking marketplace. The Company's flagship site, Bankrate.com, is an aggregator of information on more than 300 financial products, including mortgages, credit cards, new and used automobile loans, money market accounts, certificates of deposit, checking and automated teller machine fees, home-equity loans and online banking fees. In addition, Bankrate provides financial applications and information to a network of distribution partners and also through national and state publications in the United States. The Company operates in two business segments: online publishing, and print publishing and licensing. The online publishing segment engages in the sale of advertising, sponsorships and hyperlinks in connection with Bankrate.com. The print publishing and licensing segment engage in the sale of advertising in the Mortgage Guide rate tables, newsletter subscriptions, and licensing of research information. The Company's rate tables provide, at no cost to the consumer, a detailed list of lenders by market and include relevant details to help consumers compare loan products. Bankrate produces and sells advertisements in traditional print publications to absorb part of the cost of producing research and original editorial content. The Company's print publications activities include Mortgage Guide, Syndication of Editorial Content and Research and 100 Highest Yields and Jumbo Flash Report in addition to Bank Rate Monitor. Bankrate's Mortgage Guide operations involve the sale of mortgage rate and product listings in over 500 metropolitan newspapers across the United States with combined Sunday circulation of 40 million copies. The Company enters into agreements with the newspapers for blocks of print space, which is in turn sold to local mortgage lenders and shares the revenue with the newspapers on a percentage basis. Bankrate syndicates editorial research to 98 newspapers, which have a combined Sunday circulation of more than 28 million copies, and two national magazines with combined monthly circulation in excess of 4.6 million copies. The Company also publishes100 Highest Yields and Jumbo Flash Report, which target individual consumers and Bank Rate Monitor, which targets an institutional audience. These newsletters provide bank deposit, loan and mortgage interest rate information with minimal editorial content. Bankrate.com provides the tools and information that can help consumers make financial decisions. The Company regularly surveys approximately 4,800 financial institutions in more than 575 markets in all 50 states in order to provide the most current information. Features, such as financial calculators and e-mail newsletters allow users to interact with Bankrate's site. The Company's Rate Trend Index is a weekly poll of industry insiders designed to enable consumers forecast interest rate trends. Bankrate has also expanded its offerings to include channels on investing, taxes, small business and financial advice. Each channel offers a distinct look at its particular topic. Bankrate.com users can find advice and tips from the Tax channel, obtain business ideas from the Small Business channel and ask a financial expert a question in the Advice channel. The Company also sells graphic advertisements and hyperlinks on its Website and licenses its rates and editorial content. During the year ended December 31, 2005, the Company acquired Wescoco, LLC (doing business as FastFind) and Mortgage Market Information Services, Inc. and Interest.com (MMIS/Interest.com). FastFind is an Internet aggregator, which complements Bankrate's online publishing business. The Company purchased MMIS/Interest.com, which publishes mortgage guides in over 300 newspapers and operates Interest.com, to expand its print and online publishing business, respectively. Interest.com is a Website that publishes financial rates and information connecting consumers with lenders. The Company competes with Yahoo! Finance, AOL Personal Finance and MSN Money, The Motley Fo

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