© equifax confidential and proprietary operational excellence leadership forum july 29 th, 2014

© Equifax Confidential and Proprietary

OPERATIONAL EXCELLENCE LEADERSHIP FORUMJuly 29th, 2014

Confidential and Proprietary

Equifax Today

Equifax (NYSE:EFX) is a $2.3 billion global information solutions company and member of the S&P 500 with a heritage dating back 115 years.

Equifax maintains data on more than 600 million consumers, 81 million businesses, and 220 million employee files worldwide.

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Equifax Global Presence

Note: Equifax presence in Brazil, India and Russia are through joint ventures.

#1 in market #2 in market

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Equifax Vision

To be the global leader in information solutions that creates unparalleled insights to solve customer challenges.

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What We Deliver

›Credit›Income›Employment›Wealth›Property›Vehicle ›Scores

›Bankruptcy›Cash flow›Prepayment›Propensity ›Behind the Firewall

›Decisioning Systems›ASP

Unique Value Added Solutions

› Unique Data Assets

› Business Analytics

› Data Software

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Unique Data Assets

Worldwide

600M Consumers

81M Businesses

220M Employee Files

4.4B Trade Accounts

108M Public Records

Standard Assets

Unique to Equifax

› Credit Data› Property Data› Identity Verification› Commercial Demographic Data› Consumer Demographic Data› Global Linkage

› Income & Employment Data› Asset/Wealth Data› Telephone & Utility Payment History› Fraud & Authentication Data› Small Business Exchange› Securities Compliance Data› Unemployment Claims

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Business Units | BUs

U.S. Consumer Information Solutions | USCIS›B2C insights, consumer credit info, wealth, assets›1Q 2014 Revenue: $243.9M

North America Personal Solutions | PSOL›Credit monitoring and identity management›1Q 2014 Revenue: $54.1M

North America Commercial Solutions | NACS›B2B data marketing and capabilities to manage risk›1Q 2014 Revenue: $22.9M

International | INTL›B2B and B2C Capabilities: Credit, Fraud and Identity›1Q 2014 Revenue: $143.9M

Workforce Solutions | WS›Employer and verification services›1Q 2014 Revenue: $119.7M

Revenueby BU

44%

22%

21%

9%4%

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Personal Information Solutions

Equifax.com | Consumer Credit, Debt, & Financial Information›Online credit monitoring›Personalized credit information and financial support›Access to credit report/scores from Equifax, Experian and TransUnion›Flagship product: Equifax Complete™

TrustedID | Identity Theft Protection›Focus on identity protection, including medical identity

and online reputation monitoring›Educational content through IdentityProtection.com›Flagship product: IDEssentials™

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Consumer Information SolutionsEnterprise Solutions | Insights, Technology & Analytics›Data-driven insights, industry expertise, technology and world-class analytics›Enable consumer success across multiple area with an intense focus on:

Financial Institutions Mortgage Insurance Automotive Telecommunications & Utilities Credit Cards

Integrated Product Set | Marketing, Risk & Fraud and Authentication›Products span the customer lifecycle ›Mitigate risk and maximize results

Identify specific customer opportunities Collecting on existing debt

›Enable business growth and success›Direct marketing capabilities

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Commercial Information SolutionsCustomer Acquisition | Relationships›Find, qualify and validate business customers faster and more securely›Manage customer/supplier data for increased revenue and cost-savings

Strategic Planning | Industry Insights & Benchmarks›Leverage robust market intelligence for strategic decision-making›Gain industry and portfolio-level insights

Risk Management | Process Automation›Protect against fraud with business identity verification›Mitigate risk with visibility into the financial health of your customers/suppliers

Manage My Own Business | Financial Tools›Take control over the financial health of your business

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Workforce SolutionsVerification Services | Employment, Income & Identity›Third-party verification solutions – trusted employer, institution, government reported data›Vital decisioning tools for a wide-range of industries (i.e. mortgage, pre-employment screening, public

assistance, etc.)›The Work Number® database

226 million payroll records (54 million current) Direct from 2,500 contributing employers

› IRS Tax Transcripts (4506-T)›SSN Verification & Identity Authentication

Employer Services | Workforce Analytics, HR Services & Compliance›Employment and Income Verification›Unemployment Claims and Cost Management › I-9 Management – Integration with E-Verify ›W-2 Management, Paperless Pay & Employer Tax Services›Compliance Center – new hire and required employment documentation platform›Tax Credits & Incentives – WOTC screening with eSignature

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InternationalDifferentiated Data ›360° consumer view with linked credit data (consumer and commercial) and wealth and income information›Continuous integration of new and unique data sources

Identity and Fraud Solutions›Consumer verification/authentication solutions›Next-generation fraud solutions (focus on Telco, FI and SME)

Technology and Analytical Services›Using decisioning platforms to help businesses facilitate/automate

various credit decisions›Analytical and modeling services that provide enhanced insights for decision making

Information Solutions›Personal Information Solutions – Products to help consumers monitor and protect their credit and identity

information and make more informed financial decisions›Commercial Information Solutions – Data to help businesses make the best credit decisions

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Global Operations Overview

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Line Functions

Support Functions

Global Fulfillment• Operational fulfillment of client product and

services from NPI to delivery• Supports CMS, CDC, KCP, Commercial,

Mortgage, Verification Services• 375 people supporting $364M revenue

Consumer & Business Svcs.• Delivers customer care and client support • Consumer disclosure / dispute services,

business / employer / employee support in boarding, customer care & sales support

• 222 people and ~1,000 offshore/contingent agents supporting USCIS, PSOL and WS

International• Providing product and service fulfillment, data

operations, customer/consumer service and Lean/process improvement in 15 countries

• 572 people supporting $620M revenue

Workforce Solutions• Provides customer support implementation,

document management and consulting services for Workforce Solutions

• Services include UC, employee services, employer tax services and tax credits & incentives

• 908 people supporting $468M revenue

Shared Services• Driving operational execution and labor

arbitrage across all BU’s, Global Op’s, IT and Legal

• Supports $24M in annual revenue & $9.5M in annual cost saving

• Processes 30M work units annually with 525 people

Data Operations• Data ETL (extract, transform, load) support for

the business• Manages data foundation for USCIS, NACS,

PSOL and WS as primary interface with Equifax data furnishers

Op’s Planning & Analysis• Development / deployment of

infrastructure to support delivery of Global Op’s goals & objectives

• Growth Playbook, initiative reviews, op’s and SLT reviews

Enterprise Growth Initiatives• Strategic refinement / execution for

Equifax growth strategies• Portfolio of 10-15 initiatives with

monthly SLT reporting supporting revenue of $30-50M annually

Global Process Improvement• Drive financial impact across

Equifax while evolving to a Lean culture

• BU, COE and Client based efforts driving margin impact of $20-30M annually

Procurement & Real Estate• Leads facility management /

specified third party transactions & relationships

• Manages ~$53M in annual spend and 80 global facilities; $170M in annual procurement spend

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Key Enablers for Achieving Operational Excellence

• LEAN/PI initiatives have driven strong business benefits across the enterprise

• Deployed PI resources across the majority of the company’s controllable cost base

LEAN and Process

Improvement

Enterprise Growth

Initiative and Operational

Rhythm

• Executed on average 10 EGI’s a year

• Class of 2013 EGIs delivered strong results, including …..

New Product Innovation

• Dedicated team supporting new product launch planning

• Implemented Operations Innovation Hours

Talent/EmployeeResources

• Leveraged the talent of 3000+ operations employees worldwide

• Engaged associates enterprise-wide in LEAN efforts and completed hundreds of LEAN initiatives over the past few years


Equifax in the Community

The Equifax Foundation provides grants in four specific categories:

› Outreach | 55%Equifax supports organizations around the world that provide basic services (food, shelter, clothing, assistance) to low-income citizens and communities.

› Education | 25%Equifax contributes to organizations that provide educational opportunities at the K-12 level.

› Arts | 10%The arts are important to a thriving and healthy community.

› Other | 10%A wide variety of organizations that serve our communities in different ways.

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Confidential and Proprietary 16

Investing With Equifax

S&P 500


Model Integration Tool

What is the Model Integration Tool?

A web-based user interface that provides the ability to streamline deployment of predictive models from development (SAS/R/SPSS) to production allowing you to deploy, audit, integrate and execute with ease. The Model Integration Tool generates a vendor neutral executable model specification known as PMML (Predictive Modeling Markup Language) and deploys it to a PMML-based execution engine without requiring any recoding by IT.

Why is it important for Equifax and our customers?

› Improve Operational Efficiency: Reduce time to market for predictive analytics by accelerating the deployment of models by 4-7 months which is about a 40%-60% reduction in the overall predictive model development

› Greater Flexibility: Leverage other modeling techniques & new insights with the adoption of PMML

› Improve Model Governance: Meet increasing regulatory demands

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© equifax confidential and proprietary operational excellence leadership forum july 29 th, 2014

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