EWS Long Term Growth Framework

EFX executing in tougher mortgage market... Non-mortgage revenue up 11% total / 7% organic, EBITDA margins expanded over 60 BPs 3Q Revenue $1.32B... Revenue below guidance range due to continued weaker US mortgage and negative FX impact... Outperforming underlying markets from commercial execution, new products, records, and pricing Strong Non-mtg revenue up 11% total / 7% organic versus 20% growth last year Mortgage market approx $22 million below 3Q framework... EWS outperformed market by -22 points, USIS by ~33 points 3Q NPI Vitality Index 15%, EFX record and above 10% goal... NPIs leveraging new EFX Cloud 60 BP margin expansion to 33.3% and $1.74 EPS excl. BVS, in-line with guidance... Strong Cloud cost savings offset impact of weaker mortgage market Resetting 4Q guidance for further 22% decline in mortgage inquiries and FX offset by Brazil... down $33M from July framework Accelerate Innovation and New Products Leverage Equifax Cloud Capabilities Expand Differentiated Data Assets ☆ Put Customers and Consumers First Execute Bolt-on M&A Continue Leadership in Security Act as One Team, One Equifax STRATEGIC PRIORITIES 3Q Revenue in-line with July framework excluding $28M mortgage market decline and FX... EPS in-line from strong Cloud cost savings EQUIFAX Note: Adjusted EBITDA margin excluding EFX Brazil was +60 bps sequentially. Adjusted EBITDA margin on reported basis was +40 bps sequentially. PROPRIETARY | 4

View entire presentation