INVESTOR RELATIONS December 2018 Confidential and Proprietary - PowerPoint PPT Presentation

INVESTOR RELATIONS December 2018 Confidential and Proprietary

Forward Looking Statements As usual, we will make statements during the presentation which are forward looking. Our 10Ks, 10Qs and other SEC documents outline the risks associated with these statements and we encourage you to review them. We also incorporate non-GAAP financial measures in this presentation. A reconciliation of those measures to the most directly comparable GAAP measure is available on our website at www.equifax.com in the Investor Center. You can also reach the same information by clicking on the link included for those sections which discuss these non-GAAP measures. 2 December 2018 Confidential and Proprietary

Imperatives Deliver Develop Innovate Invest in talent Serve as a consistently unparalleled for market to drive our trusted steward strong profitable analytical leadership in strategy and and advocate growth and insights key industries foster a culture for our customers shareholder leveraging our and capabilities of innovation and consumers returns unique data Invest in transformation … consumer, customer, data security, and Technology infrastructure Confidential and Proprietary 3

Focus Following the Cybersecurity Incident IMPROVING SERVICE STRENGTHENING INVEST IN DATA GIVING CONSUMERS FOR CONSUMERS CORPORATE SECURITY TO BE AN MORE CONTROL STRUCTURE AND INDUSTRY LEADER OVER PERSONAL GOVERNANCE CREDIT DATE PROCESSES   Reinforcing culture of  Chief Security Officer Lock & Alert service  TrustedID Premier security and Chief gives U.S. consumers product offered to all Transformation Officer the power to lock and  U.S. consumers free for Strengthening reporting directly to unlock personal credit one year accountability CEO data free, for life mechanisms  Product includes three   Adopting a robust Teams exploring  bureau credit Retaining expert enterprise risk opportunities to provide monitoring, ability to advisors management services to empower lock & unlock Equifax  Hardening networks framework similar to consumers across our file, ID theft insurance, the FFIEC global markets  Streamlining and social security number simplifying our networks monitoring and access   Established a Risk Enhanced consumer to Equifax credit files Office with independent education available  Implementing new reporting to the Board through the Equifax  detection tools Web site and call center website improvements  Risk escalation  Continuing public cloud processes revised to  enablement Free File Freeze support rapid available to all U.S.  Establishing industry escalation of potential consumers forums for sharing of data security events information Confidential and Proprietary 4

Security Investing $275M in data security infrastructure & resources Adding significant Technology and Cybersecurity employees Strengthening our enterprise risk-management framework Engaging industry experts to assist in data security enhancements 35+ meetings with regulators including FTC, State Attorneys General U.S. and International meetings with partner/customer CISOs Appointed a new Chief Transformation Officer to drive our response Confidential and Proprietary 5

Enduring Business Fundamentals Support Long Term Growth Demand for information solutions Supply of information solutions is growing as decision-making is expanding as technology becomes more knowledge facilitates access to more types intensive AND the benefits of more and larger volumes of data for real accurate decisions deliver above time decisions at an increasingly average ROI for the customer lower cost  Competition for customers is more intense  Different ways to apply or combine existing data  Consumers are more selective in era of  New sources of data become available greater transparency (transaction data, social data,  Markets evolving toward one-to-one demographic data, etc.) interaction across multiple channels Information solutions – positioning Equifax as an insights company – represent a long term, sustainable growth opportunity  End market growth through greater share of wallet  New data sources broaden applications and increase value of installed solutions  Becoming more embedded in clients’ operations  Penetrating new customer segments: auto, employers 6 December 2018 Confidential and Proprietary

Numerous Sources of Competitive Advantage Developed Over Time AUS/NZ Asia 2a MARKET LatAm EXPANSION Europe Canada US 3 rd Party 1 UNIQUE Credit + Telco & Employm’t ID & DATA Wealth Property Alt Credit Utility & Income Fraud ASSETS 3 LINKAGE & CONFIGURABLE SCORES DELIVERY INSIGHTS ANALYTICS Mortgage, Auto, Communications, Commercial, 2b VERTICALS & Insurance, Employer, Consumer, Government USE CASES (Domains) Credit, Marketing Svcs, ID & Fraud, Debt Mgmt Value Based Talent NPI LEAN EGI Channel IT M&A Pricing 4 EXECUTION LEVERS 7 December 2018 Confidential and Proprietary

Dramatically Stronger Insights Through a Vast Array of Direct, Verified Data Consumer Telco, Cable Employment Credit & Utility & Income Reliable, Fast, Accounts Verified, High-Quality Exclusive, Direct from Superior Employers Coverage Asset & Property & Consumer Single-Source Wealth Valuation Demographic Verifications Direct Multiple Descriptive Housing Measured Valuation Consumer Insurance, Deposits & Methodologies Segmentation IRS Transcripts, Investments and Identity Commercial Commercial Auto Credit Marketing MVR and Comprehensive, Comprehensive, Owner/Buyer High Quality & High Quality Propensity Timely Insights SMB Profiles 8 December 2018 Confidential and Proprietary

Our Business Model is Robust and Resilient Data Analytics Technology Customer Solutions + + = Customized High Value Decisioning Broad-based and Value-added Software Integrating Solutions Unique Data Assets Analytical Insights Data and Insights Credit Scores & Models Optimization Banks Alternative Credit Bankruptcy Waterfalling Fin. Institutions and Payment data Delinquency Segmentation Mortgage Cos. Income Prepayment Workflow Telcos Employment Management Event Risk Auto Wealth Flexible Rules- Fraud Risk Healthcare based Engines Property Fused Scores Insurance Debt Mgmt. SaaS Telco/Utility Government Commercial We have developed critical competencies that will continue to have great leverage and opportunity. 9 December 2018 Confidential and Proprietary

Broadening Our Global Presence in Important Growth Markets UNITED KINGDOM CANADA Consumer Consumer RUSSIA Commercial Commercial (50% interest) Debt Mgmt. Consumer UNITED STATES Consumer Commercial MEXICO IBERIA Spain Consumer Debt Mgmt. SaaS Portugal Consumer INDIA Other LATAM (49% interest) Peru Active Start-up BRAZIL Uruguay (15% interest) El Salvador Commercial Honduras Consumer Ecuador Costa Rica AUSTRALIA ARGENTINA Paraguay NEW ZEALAND CHILE 10 December 2018 Confidential and Proprietary

A Strong Portfolio of Singularly Focused Businesses 2017 Business Mix 2017 Vertical Mix 2017 2017 Revenue Resellers & Adjusted EBITDA Growth Margin Partners (Constant $) 100% 5% Other 90% 7% Healthcare International 17% 30.9% 2% Financial 80% Corporate 25% 70% Global Consumer (Employers) 1% 30.8% Solutions 8% 60% Workforce Government 50% 9% 48.9% Telco Solutions 6% 5% 40% Insurance 30% Commercial 2% Auto Consumer 3% 7% 20% 9% USIS 2% 49.5% 10% Mortgage Retail 18% 0% 3% 11 December 2018 Confidential and Proprietary

Q&A 12 December 2018 Confidential and Proprietary

APPENDIX 13 December 2018 Confidential and Proprietary

Real Time Integration of Data from Multiple Sources & State-of-the-Art Analytics Drives Unique Insights Big Data Varied new data constantly gathered from Wide range of data, analytics and insights diverse sources and at large volumes VARIABLES & METHODS Population-based analysis Strong delivery platform to suit customer needs SOLUTION DELIVERY Strongest models `` `` with a 360° view of a consumer ANALYTIC DIMENSIONS SEGMENT Dynamic analytics* ZIP+4 INDIVIDUAL Customer/consumer data Unique customer data integrated into models * Data, attributes, models and algorithms updated continuously 14 December 2018 Confidential and Proprietary

US Information Solutions (USIS) Strengthen our foundation of assets and capabilities while investing in solutions and adjacencies that accelerate sustainable growth in existing and new markets 2017 Revenue Mix Focus Areas Government, Other, 1% 3% Insurance, 3% STRENGTHEN & BUILD EMERGING EXTEND CORE BUSINESSES  Speed time to market  Expand Anti-Money Laundering Solutions  Execute Trended Data  Deploy Debt Mgmt  Deliver CFN Auto, 13%  Broaden Marketing (commercial database) Financial, 28% Services Solutions  Expand & mature Auto  Streamline on-boarding Retail, 3%  Enhance customer experience  Leverage trended data and employment & Telco, 8% income verification to Mortgage, 31% further penetrate the mortgage market POSITION FOR FUTURE Commercial, 5%  Gain Momentum in Mobile Innovation Consumer, 5%  Digital Authentication Solution 15 December 2018 Confidential and Proprietary