UPGRADE
- an exchange for a product that is more expensive
- Product upgrades go into the effect immediately
- prorated price for new product

DOWNGRADE
- an exchange for a product that is of a lower cost or free
- do not go into effect immediately
- monthly subscription will have access to the paid product until the end of the month's billing cycle before cancelled.

Product Exchanges for Military Personnel
- Offer Equifax Credit Watch Gold for Active Duty Military a free product for military personnel (ID Theft Insurance $25k)
- if consumer decided to switch
- give the consumer refund for the length of the time they paid for the product
- immediately cancelled
- free product should be ordered

PRODUCT EXCHANGE PROCEDURE
- system will show available options and Product upgrades will go into the effect immediately.
- majority of products can be only downgrade to Equifax Core Credit

If save is not successful, the Billing Support Team and Tier 1 Voice agents trained to process