Equifax, Inc. · NYSE:EFX
Equifax — Investor Day (December 2012)
83 slides from Equifax's investor day presentation, Dec 6, 2012
Slide 1: 2012 Equifax Investor Day: Growth You Can Count On
EQUIFAX” 2012 EQUIFAX INVESTOR DAY GRO W/ TH ) You Can Count On INFORM ) ENRICH > EMPOWER™
Slide 2: Forward Looking Statements
EQUIFAX Forward Looking Statements Sy a A As usual, we will make statements during the presentation which are forward looking Our 10-Ks, 10-Qs and other SEC documents outline the risks associated with these statements, and we encourage you to review them, We also incorporate certain non-GAAP financi
Slide 3: Agenda
EQUIFAX Agenda Sy a A Introduction Jeff Dodge Executing on Our Strategic Plan Accelerates Growth Rick Smith Driving Growth in U.S. Consumer Information Solutions Rudy Ploder Premier Provider of Small Business Insights Alex Gonzalez Superior Insights for Our Partners. Dann Adams Break The Consumers’
Slide 4: Executing on Our Strategic Plan Accelerates Growth
EQUIFAX” EXECUTING ON OUR STRATEGIC PLAN ACCELERATES GROWTH Rick Smith, Chairman and Chief Executive Officer INFORM ) ENRICH > EMPOWER’
Slide 5: Strategic Focus Over Past Few Years
EQUIFAX Strategic Focus Over Past Few Years Sy a A ) Expand and broaden our portfolio of unique data assets ) Develop discipline and executional excellence in New Product Innovation (NPI) ) Build expertise and dedicate resources to expand our served markets ) Ensure strong financial and operational
Slide 6: Being a Leader in Unique Data Assets Fuels Innovation
EQUIFAX Being a Leader in Unique Data Assets Fuels Innovation We have shifted from primarily 2005 acredit reporting company in 2005 to a premier information solutions provider Exchange ‘dentieation Property data andiinking data Worldwide ) ~600M consumers aieetees ) >80M businesses = ) >200M employe
Slide 7: NPI Activity is Diverse and Deeply Imbedded in Business Unit Strategies
EQUIFAX’ NPI Activity is Diverse and Deeply Imbedded in Business Unit Strategies en LES A 2011 New Product Innovation mix 5 Teo —_—_ Data seo dentty management (EpajUrRATSoneee Debt management 90% 20% Enabing Tecnologie ced 0% ‘dent managoment 60% Government 50% Marketing 40% 30% a The Work Number c
Slide 8: Expanding Our Served Markets Drives Revenue Growth
EQUIFAX” Expanding Our Served Markets Drives Revenue Growth Sy a A Complementary drivers of revenue growth Expansion of markets served ) Mortgage Insurance ) Capital Markets ) HR Solutions ) Intemational Telco ) Automotive © aux Content and Propiary 8 INFORM ) ENRICH > EMPOWER™
Slide 9: Disciplined Approach to Strategic Acquisitions
EQUIFAX Disciplined Approach to Strategic Acquisitions M&A activity encompasses a balanced portfolio addressing short, medium and long-term growth opportunities MBA activity 2006-2011) i Strategic acquisition focus | . ) Unique data 3 Geographic expansion : i 3 ) Analytics 7. e ) Decisioning technol
Slide 10: Operational Enablers Provide Leverage
EQUIFAX Operational Enablers Provide Leverage Sy a A Enterprise growth initiatives Cost optimization ) Project management ) Sourcing efficiencies ) Organizational leverage ) Real estate rationalization and optimization Execution discipline ) PMO - standard tools/processes, training and development L
Slide 11: Building a World Class Management Team
EQUIFAX Building a World Class Management Team Sy a A Recruit and develop exceptional management talent to drive superior and consistent execution of strategic objectives Adding top talent in key positions to expand market Recruiting top talent | penetration and develop innovative capabilities i, Br
Slide 12: Execution of Strategy Delivers Solid Growth
EQUIFAX” Execution of Strategy Delivers Solid Growth. ‘$3,000 seat" $3.00, ex ses oy a geo = j Ay e ae oo & : g ss. | Loe | 0 $000 2000 2010 aon 2012 estimated venue ( mitions), excucng Braz and vested operations MOGs testers © aux Content and Propiary 2 INFORM ) ENRICH > EMPOWER™
Slide 13: Steady Growth Drives Attractive EBITDA Margin
EQUIFAX” ... and Steady Growth Drives Attractive EBITDA Margin Sy a A Equifax continues to deliver outstanding EBITDA* margins, ranking in the top quartile of S&P 500 companies sn0% “Excludes unusual tems and disoortinued operations © ute Content nd Propeitny 8 INFORM ) ENRICH > EMPOWER™
Slide 14: The Road Ahead
EQUIFAX The Road Ahead Economic | Regulatory | Competitive | Social and technology Economic growth will be at best a modest driver of Equifax growth We are investing in segments experiencing economic growth Our changing regulatory environment potentially provides growth opportunities and challenges
Slide 15: Trends Reshaping the Equifax Environment
EQUIFAX” Trends Reshaping the Equifax Environment Sy a A ) Analytics to drive insight from data ) New data for traditional decisions Analytics and Big Data ) Data replaces ) Reduced costs estimates Device and Beye 0 innovate e , machine data P§ . ) Devices as proxies Remouuauy > Rapid deployment for
Slide 16: Strategic Focus Over Next Few Years
EQUIFAX Strategic Focus Over Next Few Years Equifax is accelerating investment in specific aspects of our core “pillars” to drive future growth J international nt ‘urth rate | non-Fl ics Accelerate and expand efforts Continue focus Invest in unique, peer Broaden and Use our assets to on Equifax diff
Slide 17: Expanding Existing Big Data Capabilities
EQUIFAX Expanding Existing Big Data Capabilities Sy a A We are expanding existing Big Data capabilities to support current Equifax businesses and to drive innovation and new growth Its still early. Most companies working to understand trends and benefits Adoption occurring first in IT and marketing,
Slide 18: Driving Analytics in Core Markets
EQUIFAX” Driving Analytics in Core Markets We are building on existing analytic capabilities to more rapidly innovate in the primary markets we serve today Primary markets Expansion markets yor 7 Key industries 9 Tek Insurance Government Quantification floss © ute Content nd Propeitny INFORM ) ENRIC
Slide 19: Analytical Sandbox Combines Big Data and Analytics
EQUIFAX Example: Analytical Sandbox Combines Big Data and Analytics asl credit \ndivdual and household ‘Unique customer solutions asl payment histoy) and applications Consumer eon Equi capacty ; (employment stabity and income) > sys Model development ‘and validation Equifax collateral (Gepost, inves
Slide 20: Greater Expansion in Fraud
EQUIFAX Greater Expansion in Fraud Sy a A Customer investment in fraud solutions is increasing Online and mobile trends driving shift in fraud perpetration behaviors Fraud mitigation sub-segments growing rapidly Compliance with regulation and protection of privacy adds to demand Market drivers weve
Slide 21: Geographic Expansion Contributes to Multi-year Growth
EQUIFAX” Geographic Expansion Contributes to Multi-year Growth We continue to invest in our 16 country locations, while evaluating opportunities for additional geographic expansion ne ag - Organic and inorganic investment in existing geographies ) Rapid growth in Russia ) Continue close relationship
Slide 22: M&A Remains Key Aspect of Strategic Execution
EQUIFAX M&A Remains Key Aspect of Strategic Execution Sy a A M&A provides Equifax with a balance of options to expand in close-in opportunities and to pursue longer-term plays consistent with our stated strategy Portfolio of i ) Disciplined approach — Financial assessment — Operational integration —
Slide 23: CSC Enhances the 2013 Business Model
EQUIFAX CSC Enhances the 2013 Business Model Sy a A ) Generates additional $0.45-$0.50/share of adjusted EPS ) Contributes $110-$115M EBITDA ) Adds $115-$125M of revenue ) Expands Equifax margins. ) Allows team to focus on innovation, not managing the relationship ) Opportunity to leverage process i
Slide 24: Equifax Model Delivers Attractive Shareholder Returns
EQUIFAX Equifax Model Delivers Attractive Shareholder Returns Multi-year outlook** Revenue growth 7-10% Adjusted EPS growth 10-13% Operating margin +25 bps/year Adjusted ROIC* ~15% Dividends 25-35% of net income + AcjustedROIC = na income (excluding acqustion amerizaionaverage long tem dst and share
Slide 25: Equifax Model Delivers Attractive Shareholder Returns
EQUIFAX Equifax Model Delivers Attractive Shareholder Returns Multi-year 2013** outlook** Revenue growth 10-12% 7-10% Adjusted EPS growth 20-25% 10-13% Operating margin 26-27% +25 bpsiyear Adjusted ROIC* ~14% ~15% Dividends 25-35% 25-35% of net income of net income + AcjustedROIC = na income (exclud
Slide 26: 2012 Equifax Investor Day
EQUIFAX” 2012 EQUIFAX INVESTOR DAY GRO W/ TH ) You Can Count On INFORM ) ENRICH > EMPOWER™
Slide 27: Driving Growth in U.S. Consumer Information Solutions
EQUIFAX” DRIVING GROWTH IN U.S. CONSUMER INFORMATION SOLUTIONS Rudy Ploder, President U.S. Consumer Information Solutions INFORM ) ENRICH > EMPOWER’
Slide 28: U.S. Consumer Information Solutions (USCIS)
EQUIFAX” U.S. Consumer Information Solutions (USCIS) Sy a A USCIS is a diversified and growing business that focuses on helping clients optimize and grow their portfolio of consumers and products We service markets beyond financial institutions... We enable opportunities for our clients... ) Target
Slide 29: Decision 360 Solves Common Problems in Unique Ways
EQUIFAX Decision 360 Allows for Equifax to Solve Common Problems in Unique Ways... Delivering insights into a consumer's assets, income statement and liabilities like no one else can is core to our strategy Decision360° IU Pay Credit abies and Debt cusronen su sss Capacity Collateral Tneome and Equi
Slide 30: U.S. Consumer Information Solutions (USCIS)
EQUIFAX” U.S. Consumer Information Solutions (USCIS) USCIS is driven by innovation and execution that have delivered consistent growth and financial results Decision360" 10 es tA $798 Credit 8. na ers Operaing margin 383% seen m5 Key Business Performance Drivers ) Innovation: Leveraging new data and
Slide 31: Key Initiatives Driving USCIS Forward
EQUIFAX” Key Initiatives Driving USCIS Forward Decisiong60° »~ a creat © aux Content and Propiary USCIS is an enterprise distribution channel ) Organize around the customer, leverage USCIS scale and reach to represent al of Equifax Significantly improve go-to- market and last mile execution through
Slide 32: Key Market Focus
EQUIFAX” Key Market Focus USCIS serves as the sales and distribution face to the customer on behalf of enterprise. Deep customer knowledge leads to new product opportunities across the value chain. Mortgage Automotive Telco Exatex Contant and Propitany - ve ve Ongoing regulatory concems create deman
Slide 33: Key Wins in 2012
EQUIFAX Key Wins in 2012 Sy a A Customer Solution Why it matters Top 5 Financial Institution Modeling Analytic Platform ) Equifax data beoomes the foundation for consumer modeling and analytic development ) 5-year revenue stream Top 5 Financial Institution Verification of Employment (VOE) ) Afundame
Slide 34: U.S. Consumer Information Solutions Strategic Outlook
EQUIFAX U.S. Consumer Information Solutions Strategic Outlook Sy a A ) Expansion in key markets ) Increased penetration of Decision 360 initiatives » Recognized leader in identity authentication/management ) Superior decisioning solutions leveraging proprietary analytical driven insights Multi-year
Slide 35: 2012 Equifax Investor Day
EQUIFAX” 2012 EQUIFAX INVESTOR DAY GRO W/ TH ) You Can Count On INFORM ) ENRICH > EMPOWER™
Slide 36: Premier Provider of Small Business Insights
EQUIFAX” PREMIER PROVIDER OF SMALL BUSINESS INSIGHTS Alex Gonzalez, President North America Commercial Solutions INFORM ) ENRICH > EMPOWER’
Slide 37: North America Commercial Solutions (NACS) Profile
EQUIFAX” Accessible data/attributes ) Credit information and attributes for businesses } Revenue, number of employees ) Business address ) Business ownership hierarchy and linkage ) sic code ) Business identity } Relationship between business ‘owner and consumer © Egat Cantata ropitary North America
Slide 38: Execution and Innovation Drive Results
EQUIFAX” Execution and Innovation Drive Results Be the premier provider of small business intelligence to customers through industry-leading data, analytics, decisioning tools and customer service Pal Strategic initiatives ) Protect and grow the core — Increase share of banking by expanding presence
Slide 39: Driving NACS Forward
EQUIFAX Driving NACS Forward Use unique assets and competencies... .to penetrate key markets... «through an enterprise channel } Core credit data: Focus on credit data for small and medium businesses ) International credit data: Delivery of current credit reports for companies in over 50 countries )
Slide 40: 2012 Equifax Investor Day
EQUIFAX” 2012 EQUIFAX INVESTOR DAY GRO W/ TH ) You Can Count On INFORM ) ENRICH > EMPOWER™
Slide 41: Superior Insights for Our Partners
EQUIFAX” SUPERIOR INSIGHTS FOR OUR PARTNERS Dann Adams, President Equifax Workforce Solutions © Egat Cantata ropitary INFORM ) ENRICH > EMPOWER™
Slide 42: Workforce Solutions Profile
EQUIFAX” Workforce Solutions Profile Sy a A Workforce Solutions is building out the largest U.S.-based employment and income repository — The Work Number database — enabling two key business units Verification Services Employer Services Customer mix Other Financia ad Pre-employment The Work Number d
Slide 43: Vision for Workforce Solutions
EQUIFAX” Vision for Workforce Solutions Workforce Solutions enables transparency for risk decisioning to clients and markets served by USCIS and Workforce Solutions. We also offer insights into workforce and HR-related metrics and benchmarks eee) 890 500 — = = L zones mn sonar Ooraigmagn 2H am nas ©
Slide 44: Building a Path to Million+ Records
EQUIFAX” Building a Path to 250 Million + Records Records on The Work Number (I) ‘The Work Number revenue per active record Strategies to grow records in the database ) Direct sales to employers ) Commercial partnerships to access small to mid-size employers ) Technology and process improvement ) »
Slide 45: Strategy to Grow The Work Number Records
EQUIFAX” Strategy to Grow The Work Number Records Sy a A We have 80% of the employers with over 10,000 employees reporting and now have also gone down-market ‘The Work Number records market share % (non-farm, private and public) i Employers with <500 employees. 500-1K & i 5 g <1% Emerging market Mid
Slide 46: Expanding Penetration and Markets Served
EQUIFAX” Expanding Penetration and Markets Served We will continue to penetrate originations and expand our presence along the lending value chain via analytic solutions and channel partners ‘Market penetration for The Work Number instant verifications in originations : ‘Student ending cand H = & *
Slide 47: Expanding Penetration: Mortgage Market
EQUIFAX Expanding Penetration: Mortgage Market Our employment and income verification 100% solution allows us to penetrate further in originations, expand across the value chain and pursue new product initiatives 1. Penetrate originations ) 100% solution penetration in the top 20 lenders ) Penetrati
Slide 48: Expanding Markets Served: Government Market
EQUIFAX” Expanding Markets Served: Government Market Addressing a large opportunity within governmental agencies $70 _se56 e so = © 22 uy a2 BE so BF so ee = ws OO SSA USD Eat s » u % 2 Ha 6 32 on &s © ute Content nd Propeitny Government programs are expected to grow State budgets are under increasi
Slide 49: Workforce Solutions Strategic Outlook
EQUIFAX” Workforce Solutions Strategic Outlook Sy a A ) Solid, sustainable growth in TWN records ) Deeper penetration of Verification Services in USCIS customer base ) Broaden markets served with Verification Services Multi-year organic growth 7-9% Expanding operating margins Exatex Contant and Prop
Slide 50: 2012 Equifax Investor Day
EQUIFAX” 2012 EQUIFAX INVESTOR DAY GRO W/ TH ) You Can Count On INFORM ) ENRICH > EMPOWER™
Slide 51: Break
EQUIFAX” BREAK © aux Content and Propiary INFORM ) ENRICH > EMPOWER™
Slide 52: The Consumers' Most Trusted Partner for Financial Insights
EQUIFAX” THE CONSUMERS’ MOST TRUSTED PARTNER FOR FINANCIAL INSIGHTS Trey Loughran, President North America Personal Solutions INFORM ) ENRICH > EMPOWER’
Slide 53: North America Personal Solutions (PSOL) Profile
EQUIFAX” North America Personal Solutions (PSOL) Profile PSOL will achieve double-digit growth by efficiently acquiring new customers, growing customer lifetime value and leveraging best practices in newer markets Personal Solutions vision We will empower people with the confidence and control to be
Slide 54: Market Overview
EQUIFAX Market Overview ase ot Personal Solutions market (estimated $2.5—3.0B) 7 Exatex Contant and Propitany hay Direct market Offer credit and identity-focused products directly to consumers, primarily on-line for one-time transaction or monthly subscription fee; driven by bureaus and several inde
Slide 55: North America Personal Solutions Business Model
EQUIFAX” North America Personal Solutions Business Model Business model Strengths ) Highly return-driven customer Markets Volume/spend/ i media inveeinent ) Attractive, “oredit-aware" ) Brand strength markets: U.S., Canada, U.K. X ) Common shared platform across all three markets ) High value produc
Slide 56: Strategic Focus
EQUIFAX” Strategic Focus Business model Strategic focus Markets Volume/spend/ cost per 1. Acquire new customers by 4. Extend best practices into acquisition efficiently scaling media spend existing markets and expand through the use of advanced into new markets X analylics 2. Provide best, most inno
Slide 57: Scaling Marketing Spend
EQUIFAX Scaling Marketing Spend Volume/spendi/cost per acq What we’ve done Where we're headed Exatex Contant and Propitany verve Improved data/ tools for insight on return on marketing investment Deployment of better testing tools Testing of different levels of media mix (on and offline) and optimiz
Slide 58: Customer Value Proposition
EQUIFAX” Customer Value Proposition Average revenue per user What we’ve done Where we're headed Exatex Contant and Propitany ) Consolidate offerings into more comprehensive set of features evarioge : loony 7 ) Incorporate additional Equifax data and insights to expand customers’ understanding of fin
Slide 59: Extending Customer Life
EQUIFAX Extending Customer Life Sy a A ) Added features to products that promote retention What we've ) Developed more detailed churn and retention tools and metrics that allow done Much quicker diagnosis of churn issues ) Improved performance on credit card updates/renewals ) Drive feature adoption
Slide 60: Extending and Expanding Best Practices
EQUIFAX Extending and Expanding Best Practices What we’ve | ) Extended PSOL U.S. platform to Canada and U.K. done Launched new product offerings in Canada and U.K. | ISS Implement U.S. testing and measurement tools in Canada and U.K. Port relevant product and feature concepts from market to market L
Slide 61: Strategic Outlook
EQUIFAX Strategic Outlook Business model Multi-year outlook Me Marketing CPA will jet folumelspend/ | Marketing CPAwil increase - cost per but at slower rate than customer : Seen ak acquisition acquisition spend vanada ar x Customer Average Moderating increase in ARPU lifetime revenue but will conti
Slide 62: 2012 Equifax Investor Day
EQUIFAX” 2012 EQUIFAX INVESTOR DAY GRO W/ TH ) You Can Count On INFORM ) ENRICH > EMPOWER™
Slide 63: Premier Provider of Decisioning Insights
EQUIFAX” PREMIER PROVIDER OF DECISIONING INSIGHTS Paulino Barros, President Equifax International INFORM ) ENRICH > EMPOWER’
Slide 64: A Strong International Franchise in Key Growth Markets
EQUIFAX” A Strong International Franchise in Key Growth Markets yy a ‘ ), 4 Inala (4% eres) A , Poli saat gon Nee x ( aS rl Bane : verdes Eeuacer ee © aux Content and Propiary INFORM ) ENRICH > EMPOWER™
Slide 65: International Profile
EQUIFAX” Ty 7 27 Aa Strong, broad-based geographic presence » veve Canada Europe Latin America Russia India © Egat Cantata ropitary Building blocks for growth ) Differentiated data ) Fraud - real time; across geographies — Citadel - Identity authentication ‘and management - elD Verifier - Decisionin
Slide 66: 2015 Vision for International
EQUIFAX” 2015 Vision for International We will be the #1 or #2 credit and marketing information bureau in all markets where we operate. Focus on vertical industry growth — anchored by data, identity management, and technology and analytical solutions, as well as geographic expansion Strategic initia
Slide 67: Expanding Data Assets Diversifies and Broadens Opportunities
EQUIFAX” Expanding Data Assets Diversifies and Broadens Opportunities 3. Emerging data Ca} } Combine credit with other consumer beyond financials to give customers complete view Wealth 2. Fraud and identity data ) Fraud and identity data to ‘support our fraud initiative Fraud data 4. Assemble the 36
Slide 68: Drive Differentiation through Technology and Analytical Services
EQUIFAX Drive Differentiation through Technology and Analytical Services Sy a A ) Increase technology services presence ) Accelerate deployment of decisioning platforms — Citadel (fraud) and InterConnect ) Expand and enhance analytics capabilities ) Create new competencies in third party data combin
Slide 69: Strong Fraud Capabilities Serve a Broad-based Need
EQUIFAX” Strong Fraud Capabilities Serve a Broad-based Need cos fa Canada ) Leverage fraud consortium data (Financial Institutions and Telco) - Develop next generation application fraud solution elD presently deployed supporting multiple verticals - Developing application fraud solution within Insur
Slide 70: Executing a Plan - Improving U.K. Performance
EQUIFAX’ Executing a Plan - Improving U.K. Performance Focus on core business activities - implementing core competencies in sales, marketing, analytics, market expansion and operational efficiency — to drive revenue growth ) Increased level and depth of customer contact and insight ) Created partne
Slide 71: Strategic Outlook
EQUIFAX” Strategic Outlook Sy a A ) Focus on key market verticals — Financial Institutions, Telco and SME ) Leverage Technology and Analytical Services to deliver unique, high value solutions ) Expand into new geographies Multi-year organic growth 7-10% Attractive and sustainable operating margins ©
Slide 72: 2012 Equifax Investor Day
EQUIFAX” 2012 EQUIFAX INVESTOR DAY GRO W/ TH ) You Can Count On INFORM ) ENRICH > EMPOWER™
Slide 73: Financials
EQUIFAX” FINANCIALS Lee Adrean, Chief Financial Officer © aux Content and Propiary INFORM ) ENRICH > EMPOWER™
Slide 74: Delivering Strong Organic Growth
EQUIFAX Delivering Strong Organic Growth Sy a A ™ ‘ . . av zor2 wane aszor2 Contribution to year-over-year growth (constant §) Core non-mortgage 87% 6.1% 5.9% Mortgage initiatives 05% 13% 13% Mortgage market 42% 5.5% 3.5% Acquisitions 24% 22% 11% Brazil merger impact (47%) 87%) - Total revenue growt
Slide 75: Driving Improved EBITDA Margins
EQUIFAX” Driving Improved EBITDA Margins nos ess ; 0% 9% Eom ne — ma0% 1009 0 on onze" Factors driving margin expansion Factors which moderate margin expansion ) Revenue growth vs. fixed cost base ) Investment in growth initiatives — ) Proprietary high value offerings new products or markets (price
Slide 76: Equifax Generates Strong Free Cash Flow
EQUIFAX” Equifax Generates Strong Free Cash Flow Sy a A 125% — ; i o% 2009 2010 ont "Noe: epcrted net income, ree cash flow is reported cash tm operations les capital expences 3 Percent of net income 3 2012 Est. © aux Content and Propiary 7% INFORM ) ENRICH > EMPOWER™
Slide 77: Priorities for Cash
EQUIFAX” Priorities for Cash Strong cash flow supports investment for organic growth, M&A and cash returns to shareholders Exatex Contant and Propitany INFORM ) ENRICH > EMPOWER’
Slide 78: Equifax Strategy Drives Attractive, Multi-year Growth
EQUIFAX” Equifax Strategy Drives Attractive, Multi-year Growth Revenue growth model Multi-year Operating 12% 710% organic growth margin trend uscis 5-1% High 30'slow 40's 5% i NA.Commercial 610% Low-lo-mid 20's Workforoe Solutions 7-9% Wid-to-upper 20's i N.A, Personal Solutions 812% High 20's : Int
Slide 79: Operating Metrics
EQUIFAX” Operating Metrics Exatex Contant and Propitany Multi-year outlook Revenue growth 710% Operating margin +25 bpsiyear Adjusted EPS growth 10-13% Dividends 25-35% of net income Free cash flow conversion’ 120-150% Adjusted ROIC? ~15% Note 1, Free cash towne income 2 Ajusied ROIC = Net income (e
Slide 80: Strategic Summary
EQUIFAX” STRATEGIC SUMMARY Rick Smith, Chairman and Chief Executive Officer © aux Content and Propiary INFORM ) ENRICH > EMPOWER™
Slide 81: Summary
Slide 82: Q&A Panel
Slide 83: 2012 Equifax Investor Day: Growth You Can Count On