INVESTOR RELATIONS March 2018 Confidential and Proprietary - PowerPoint PPT Presentation

INVESTOR RELATIONS March 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 March 2018 Confidential and Proprietary

Focus Following the Cybersecurity Incident Strengthening Security and Providing Support for Consumers  Improving data security infrastructure – Reinforcing culture of security – Strengthening accountability mechanisms – Retaining expert advisors – Hardening networks – Streamlining and simplifying our network – Improving procedures – Implementing new detection tools  Revising corporate structure – Chief Security Officer reporting directly to CEO – Chief Transformation Officer reporting directly to CEO  Refining and strengthening governance processes – Adopting a robust enterprise risk management framework in line with FFIEC – Established a Risk Office with independent reporting to the Board – Risk Escalation processes revised to support rapid escalation of potential data security events  Working with the industry on solutions to growing cybersecurity and data protection challenges 3 March 2018 Confidential and Proprietary

Focus Following the Cybersecurity Incident Strengthening Security and Providing Support for Consumers  Improving service for consumers – TrustedID Premier offered to all U.S. consumers • Free for one year • Enrollment period through end of January 2018 • Three bureau credit monitoring, ability to lock and unlock Equifax credit file, identity theft insurance, social security number monitoring, and access to Equifax credit file – Web site and call center improvements – Extended free File Freeze through end of June 2018  Giving consumers more control over personal credit data – Lock and Alert service • Power to lock and unlock personal credit data • Will be offered for free, for life, to all U.S. consumers • Launched January 2018 – Teams exploring opportunities to provide services to empower consumers across our global markets 4 March 2018 Confidential and Proprietary

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 5 March 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 Employm’t Telco & ID & DATA Credit Wealth Property Utility & Income Fraud ASSETS 3 LINKAGE & CONFIGURABLE SCORES DELIVERY INSIGHTS ANALYTICS 2b Mortgage, Auto, Communications, Commercial, 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 6 March 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 7 March 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 Income Bankruptcy Waterfalling Fin. Institutions Employment Delinquency Segmentation Mortgage Cos. Wealth Prepayment Workflow Telcos Management Property Event Risk Auto Flexible Rules- Telco/Utility Fraud Risk Healthcare based Engines Commercial Fused Scores Insurance Debt Mgmt. SaaS Government We have developed critical competencies that will continue to have great leverage and opportunity. 8 March 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 9 March 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% 10 March 2018 Confidential and Proprietary

Q&A 11 November 2017 Confidential and Proprietary

APPENDIX 12 November 2017 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 13 March 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,  Gain Momentum in Mobile Innovation 5% Consumer, 5%  Digital Authentication Solution 14 March 2018 Confidential and Proprietary

International (INTL) Address customer needs through unique data assets to drive insights delivered via strategic technology platforms complemented by M&A for geographic and domain expansion. 2017 Revenue Mix Focus Areas INSIGHTS ID & FRAUD Other  New data & exchanges  Build ID & Fraud 24% exchanges  Analytics enabled by  Identity authentication Cambrian  Global InterConnect  Deploy the Ostra fraud delivery platform mgmt application Financial 43% Resellers 2% DEBT SVCS EXPLORE & DEVELOP Government 9%  Expand across markets  Intl Work Number  Focus on government  Access to consumer and commercial  Deploy solutions transaction data across markets Auto Insurance 4% Retail Telco 3% 7% 6% Mortgage Commercial 1% 1% 15 March 2018 Confidential and Proprietary