EX-4.3



 Exhibit 4.3 

EQUIFAX INC., 
 AS ISSUER

 AND 
 U.S. BANK
NATIONAL ASSOCIATION, 
 AS TRUSTEE 
  

 
 FIFTH
SUPPLEMENTAL INDENTURE 
 DATED AS OF MAY 25, 2018 

 
  

FIFTH SUPPLEMENT TO INDENTURE, 

DATED AS OF MAY 12, 2016, BETWEEN 

EQUIFAX INC. AND 
 U.S.
BANK NATIONAL ASSOCIATION, as Trustee 







 FIFTH SUPPLEMENTAL INDENTURE 

FIFTH SUPPLEMENTAL INDENTURE, dated as of May 25, 2018, between EQUIFAX INC., a Georgia corporation (the
“Issuer”), having its principal office at 1550 Peachtree Street, N.W., Atlanta, Georgia 30309, and U.S. BANK NATIONAL ASSOCIATION, as trustee (the “Trustee”), having its Corporate Trust Office at 1349 W.
Peachtree Street, NE, Suite 1050, Atlanta, Georgia 30309, under the Indenture, dated as of May 12, 2016, between the Issuer and the Trustee (the “Original Indenture”). 

RECITALS 
 WHEREAS,
the Issuer executed and delivered its Original Indenture to the Trustee to issue from time to time for its lawful purposes debt securities evidencing its indebtedness. 

WHEREAS, the Original Indenture provides that by means of a supplemental indenture, the Issuer may create one or more series of its
debt securities and establish the form and terms and conditions thereof. 
 WHEREAS, the Issuer desires to issue a series of senior
debt securities under the Original Indenture, and has duly authorized the creation and issuance of such series of debt securities and the execution and delivery of this Fifth Supplemental Indenture to modify the Original Indenture and provide
certain additional provisions as hereinafter described; 
 WHEREAS, the Issuer and the Trustee deem it advisable to enter into this
Fifth Supplemental Indenture for the purposes of establishing the terms of such series of debt securities and providing for the rights, obligations and duties of the Trustee with respect to such debt securities; 

WHEREAS, all conditions and requirements of the Original Indenture necessary to make this Fifth Supplemental Indenture a valid, binding
and legal instrument in accordance with its terms have been performed and fulfilled by the parties hereto and the execution and delivery thereof have been in all respects duly authorized by the parties hereto; 

WHEREAS, the Board of Directors of the Issuer, acting through authority delegated to certain of its executive officers, has approved
the creation of the Notes (as hereinafter defined) and the form, terms and conditions thereof; 
 WHEREAS, concurrently with the
execution hereof, the Issuer has delivered an Officers’ Certificate and has caused its counsel to deliver to the Trustee an Opinion of Counsel; and 

WHEREAS, the consent of Holders to the execution and delivery of this Fifth Supplemental Indenture is not required, and all other
actions required to be taken under the Original Indenture with respect to this Fifth Supplemental Indenture have been taken. 
 NOW,
THEREFORE IT IS AGREED: 
 ARTICLE ONE 

Creation of The Notes 

Section 1.1. Designation of Series. Pursuant to the terms hereof and Section 301 of the Original
Indenture, the Issuer hereby creates a series of its debt securities which shall be known as the “Floating Rate Notes due 2021” (the “Notes”), which Notes shall be deemed “Securities” for all purposes under the
Original Indenture. 







 Section 1.2. Form and Denomination of Notes. The definitive form of the
Notes shall be substantially in the form set forth in Exhibit A attached hereto, which is incorporated herein and made part hereof. The Notes shall bear interest, be payable and have such other terms as are stated in the form of Note and in
the Original Indenture, as supplemented by this Fifth Supplemental Indenture. The Notes shall be issued in minimum denominations of $2,000 and integral multiples of $1,000 in excess thereof. 

Section 1.3. Amount of Series. Subject to Section 1.12 hereof, the aggregate principal
amount of the Notes that may be issued under this Fifth Supplemental Indenture is initially limited to $300,000,000. The Notes may, upon the execution and delivery of this Fifth Supplemental Indenture or from time to time thereafter, be executed by
the Issuer and delivered to the Trustee for authentication, and the Trustee shall thereupon authenticate and deliver said Notes upon the delivery of a Company Order. 

Section 1.4. Rank. The Notes are unsecured and unsubordinated and shall rank equally in right of payment among themselves and
with all of the Issuer’s other unsecured and unsubordinated indebtedness. 
 Section 1.5. No Sinking Fund. No sinking
fund shall be provided with respect to the Notes. 
 Section 1.6. Interest. 

(a)    The Issuer shall pay interest on the Notes quarterly in arrears on February 15, May 15, August 15
and November 15 of each year, beginning on August 15, 2018 (each, an “Interest Payment Date”), and on August 15, 2021 (the “Maturity Date”), to the Holder in whose name the Notes are registered at the
close of business on the Business Day preceding the Interest Payment Date; provided, that if an Interest Payment Date for this Note falls on a day that is not a Business Day the Interest Payment Date shall be postponed to the next succeeding
Business Day, unless such next succeeding Business Day would be in the following calendar month, in which case the Interest Payment Date shall be the immediately preceding Business Day. 

(b)    The Notes shall bear interest for each Interest Period at a rate calculated by the calculation agent (the
“Calculation Agent”), which shall initially be the Trustee (or a successor Calculation Agent). The interest rate on the Notes for a particular Interest Period will be a rate equal to three-month LIBOR on the Interest Determination
Date plus 0.87% per annum. Promptly upon calculation, the Trustee shall inform the Issuer of the interest rate for the next Interest Period. Interest will be computed on the basis of a 360-day year and the
actual number of days that have elapsed in the applicable Interest Period. 
 (c)    (i) On any Interest Determination
Date, LIBOR shall be equal to the offered rate for deposits in U.S. dollars having an index maturity of three months, as such rate appears on the Reuters Page LIBOR 01 (or on such other page as may replace Reuters Page LIBOR 01 on that service, or
such other service or services as may be nominated for the purpose of displaying London interbank offered rates for U.S. dollar deposits by ICE Benchmark Administration Limited (“IBA”) or its successor or such other entity assuming
the responsibility of IBA or its successor in calculating LIBOR in the event IBA or its successor no longer does so), as of approximately 11:00 a.m., London time, on such Interest Determination Date. 

(ii) If three-month LIBOR does not appear on either of the pages described in Section 1.6(c)(i), the three-month LIBOR, in respect
of such Interest Determination Date, shall be determined as follows: the Trustee shall request the principal London offices of each of four major reference banks in the London interbank market, as selected by the Issuer (after consultation with the
Trustee), to provide the Trustee with its offered quotation for deposits in U.S. dollars for the period of three months commencing on the applicable interest reset date to prime banks in the London interbank market at approximately


  
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11:00 a.m., London time, on that Interest Determination Date and in a principal amount of not less than $1,000,000 for a single transaction in U.S. dollars in such market at such time. If at
least two quotations are provided, then the three-month LIBOR on such Interest Determination Date shall be the arithmetic mean of such quotations. If fewer than two such quotations are provided, then the three-month LIBOR on such Interest
Determination Date shall be the arithmetic mean of the rates quoted at approximately 11:00 a.m., New York City time, on such Interest Determination Date by three major reference banks in New York City selected by the Issuer (after consultation with
the Trustee) for loans in U.S. dollars to leading European banks, having an index maturity of three months and in a principal amount of not less than $1,000,000 for a single transaction in U.S. dollars in such market at such time; provided,
however, that if the banks selected by the Issuer (after consultation with the Trustee) are not providing quotations in the manner described by this sentence, the three-month LIBOR determined as of such Interest Determination Date shall be the
three-month LIBOR in effect prior to such Interest Determination Date. 
 (d)    All percentages resulting from any
calculation of any interest rate for the Notes shall be rounded, if necessary, to the nearest one hundred thousandth of a percentage point, with five one-millionths of a percentage point rounded upward (e.g.,
3.876545% (or .03876545) would be rounded to 3.87655% (or .0387655)), and all U.S. dollar amounts used in or resulting from such calculations shall be rounded to the nearest cent, with one-half cent being
rounded upward. Each calculation of the interest rate on the Notes by the Trustee shall (in the absence of manifest error) be final and binding on the Holders of the Notes and the Issuer. 

(e)    Upon written request from any Holder of Notes, the Trustee shall provide the interest rate in effect on such Notes
for the current Interest Period and, if it has been determined, the interest rate to be in effect for the next Interest Period. 

(f)    The interest rate on the Notes shall in no event be higher than the maximum rate permitted by New York law, as the
same may be modified by United States law of general application. 
 Section 1.7. Calculation Agent. If the Trustee is
unable or unwilling to continue to act as the Calculation Agent for the Notes, or if it fails to calculate properly the interest rate on the Notes for any Interest Period, the Issuer shall appoint another leading trust company, commercial or
investment bank or other financial institution to act as Calculation Agent in its place for the Notes. The Calculation Agent may not resign its duties without a successor having been appointed. For so long as the institution serving as Trustee is
serving in the role as Calculation Agent, the Calculation Agent shall be entitled to all of the rights, privileges and immunities afforded the Trustee under the Original Indenture in the performance of its duties under this Fifth Supplemental
Indenture. 
 Section 1.8. Redemption. The Issuer does not have the right to redeem the Notes. 

Section 1.9. Definitions. For all purposes of this Fifth Supplemental Indenture: 

(a)    Capitalized terms used herein without definition shall have the meanings set forth in the Original Indenture; 

(b)    a term defined anywhere in this Fifth Supplemental Indenture (including the exhibits hereto) has the same meaning
throughout; 
 (c)    the singular includes the plural and vice versa; 

(d)    headings are for convenience of reference only and do not affect interpretation; 

  
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 (e)    the following terms have the meanings given to them in this
Section 1.9(e):  
 “Business Day” means, unless otherwise specified, any calendar day that is not
a Saturday, Sunday or legal holiday in New York, New York and on which commercial banks are open for business in New York, New York. 

“Depository” means a clearing agency registered under Section 17A of the Exchange Act that is designated to act as
Depository for the Notes. 
 “Interest Determination Date” for an Interest Period shall be the second London Business Day
preceding the first day of such Interest Period, except that with respect to the initial Interest Period, shall be the second London Business Day immediately preceding the date hereof. 

“Interest Period” means the period from, and including, an Interest Payment Date to, but excluding, the next succeeding
Interest Payment Date, except for the initial Interest Period, which shall be the period from, and including, the date hereof to, but excluding, the Interest Payment Date occurring on August 15, 2018. 

“London Business Day” means any day on which dealings in United States dollars are transacted in the London interbank market.

 Section 1.10. Notes Not Convertible or Exchangeable. The Notes shall not be convertible or exchangeable for other
securities or property. 
 Section 1.11. Issuance of Notes; Selection of Depository. The Notes shall be issued as
Registered Securities in permanent global form, without coupons. The initial Depository for the Notes shall be The Depository Trust Company. 

Section 1.12. Issuance of Additional Notes. From time to time subsequent to the date hereof, without the consent of the
Holders of the Notes, the Issuer may create and issue additional Notes (the “Additional Notes”) under the terms of the Original Indenture and this Fifth Supplemental Indenture (and without need to execute any additional supplemental
indenture). The Additional Notes shall be issued as part of the existing series of Notes issued pursuant to this Fifth Supplemental Indenture and shall have terms identical in all material respects (except for the public offering price and the issue
date and, if applicable, the initial interest accrual date and the initial Interest Payment Date) to any Outstanding Notes and shall be treated together with any Outstanding Notes as a single issue of Notes under the Original Indenture and this
Fifth Supplemental Indenture. Any Additional Notes issued hereunder shall rank equally and ratably with the Notes originally issued pursuant to this Fifth Supplemental Indenture, shall have the same CUSIP number and shall trade interchangeably with
such Notes (except for such Additional Notes that are not fungible with the Notes for U.S. federal income tax purposes, which shall have a separate CUSIP number) and shall otherwise constitute Notes for all other purposes hereof. Any Additional
Notes may be issued pursuant to authorization provided by one or more Board Resolutions. No Additional Notes shall be issued at any time that there is an Event of Default under the Original Indenture with respect to the Notes that has occurred and
is continuing. 
 Section 1.13. Issuance of Additional Debt Securities. In addition to the Notes, the Issuer may, from time
to time, issue other series of debt securities under the Original Indenture consisting of debentures, notes or other evidences of indebtedness, but such other series will be separate from and independent of the Notes. The Original Indenture does not
limit the amount of debt securities or any other debt (whether secured or unsecured or whether subordinated or unsubordinated) which the Issuer may incur. 

  
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 Section 1.14. Place of Payment; Transfer and Exchange. The Notes shall be
payable and may be presented for payment, purchase, registration of transfer and exchange and notices to or upon the Issuer shall be made at the office or agency of the Issuer maintained in the Borough of Manhattan, the City of New York for such
office, which mutually shall be at U.S. Bank Global Corporate Trust Services – New York, 100 Wall Street, Suite 1600, New York, NY 10005, or such other office as the Trustee may designate from time to time by notice to the Issuer. 

ARTICLE TWO 
 Appointment of
the Trustee For the Notes 
 Section 2.1. Appointment of Trustee; Acceptance by Trustee. Pursuant and subject to the
Original Indenture, the Issuer hereby appoints U.S. Bank National Association to act on behalf of the Holders of the Notes. By execution, acknowledgment and delivery of this Fifth Supplemental Indenture, the Trustee hereby accepts appointment as
trustee with respect to the Notes, and agrees to perform the duties and obligations of the Trustee with respect to the Notes upon the terms and conditions set forth in the Original Indenture and in this Fifth Supplemental Indenture. 

Section 2.2. Rights, Powers, Duties and Obligations of the Trustee. 

(a)    Any rights, powers, duties and obligations by any provisions of the Original Indenture conferred or imposed upon
the Trustee shall, insofar as permitted by law, be conferred or imposed upon and exercised or performed by the Trustee with respect to the Notes. 

(b)    For purposes of the Notes, pursuant to Section 301(25) of the Original Indenture,
Section 612(3) of the Original Indenture is hereby amended by replacing the phrase “grossly negligent” with “negligent” each time it appears. 

Section 2.3. Rights in Indenture Applicable to Trustee. U.S. Bank National Association, in its capacity as Trustee, shall be
afforded all of the rights, powers, immunities and indemnities of the Trustee as set forth in the Original Indenture as if such rights, powers, immunities and indemnities were specifically set forth herein. 

ARTICLE THREE 
 Change of
Control Offer 
 Section 3.1. Change of Control Offer. 

(a)    If a Change of Control Triggering Event occurs, the Issuer shall be required to make an offer (the “Change
of Control Offer”) to each Holder of the Notes to repurchase all or any part (equal to $2,000 or an integral multiple of $1,000 in excess thereof) of that Holder’s Notes on the terms set forth herein. 

(b)    In the Change of Control Offer, the Issuer shall be required to offer payment in cash equal to 101% of the
aggregate principal amount of Notes repurchased, plus accrued and unpaid interest, if any, on the Notes repurchased to the date of repurchase (the “Change of Control Payment”). Within 30 days following any Change of Control
Triggering Event or, at the Issuer’s option, prior to any Change of Control, but after public announcement of the transaction that constitutes or may constitute the Change of Control, the Issuer shall mail a notice to Holders of the Notes
describing the transaction that constitutes or may constitute the Change of Control Triggering Event and offering to repurchase such 

  
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Notes on the date specified in the notice, which date shall be no earlier than 15 days and no later than 60 days from the date such notice is mailed (the “Change of Control Payment
Date”). The notice shall, if mailed prior to the date of consummation of the Change of Control, state that the offer to purchase is conditioned on the Change of Control Triggering Event occurring on or prior to the Change of Control Payment
Date. 
 (c)    In order to accept the Change of Control Offer, the Holder must deliver to the Paying Agent, at least
three Business Days prior to the Change of Control Payment Date, the Note together with the form entitled “Option of Holder to Elect Purchase” (which form is annexed to the Note) duly completed, or a telegram, telex, facsimile transmission
or a letter from a member of a national securities exchange, or the Financial Industry Regulatory Authority, Inc., or a commercial bank or trust company in the United States setting forth: 

(i)    the name of the Holder of the Note; 

(ii)    the principal amount of the Note; 

(iii)    the principal amount of the Note to be repurchased; 

(iv)    the certificate number or a description of the tenor and terms of the Note; 

(v)    a statement that the Holder is accepting the Change of Control Offer; and 

(vi)    a guarantee that the Note, together with the form entitled “Option of Holder to Elect
Purchase” duly completed, will be received by the Paying Agent at least three Business Days prior to the Change of Control Payment Date. 

(d)    Any exercise by a Holder of its election to accept the Change of Control Offer shall be irrevocable. The Change of
Control Offer may be accepted for less than the entire principal amount of the Notes, but in that event the principal amount of the Notes remaining outstanding after repurchase must be equal to $2,000 or an integral multiple of $1,000 in excess
thereof. 
 (e)    On the Change of Control Payment Date, the Issuer shall, to the extent lawful: 

(i)    accept for payment all Notes or portions of such Notes properly tendered pursuant to the Change of
Control Offer; 
 (ii)    deposit with the Paying Agent an amount equal to the Change of Control Payment
in respect of all Notes or portions of such Notes properly tendered; and 
 (iii)    deliver or cause to
be delivered to the Trustee the Notes properly accepted together with an Officers’ Certificate stating the aggregate principal amount of Notes or portions of such Notes being repurchased. 

(f)    The Issuer shall not be required to make a Change of Control Offer upon the occurrence of a Change of Control
Triggering Event if a third party makes such an offer in the manner, at the times and otherwise in compliance with the requirements for an offer made by the Issuer and the third party purchases all Notes properly tendered and not withdrawn under its
offer. In addition, the Issuer shall not repurchase any Notes if there has occurred and is continuing on the Change of Control Payment Date an Event of Default under the Indenture with respect to the Notes, other than a default in the payment of the
Change of Control Payment upon a Change of Control Triggering Event. 

  
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 (g)    The Issuer shall comply with the requirements of Rule 14e-1 under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), and any other securities laws and regulations thereunder to the extent those laws and regulations are
applicable in connection with the repurchase of the Notes as a result of a Change of Control Triggering Event. To the extent that the provisions of any such securities laws or regulations conflict with the Change of Control Offer provisions of the
Notes, the Issuer shall comply with those securities laws and regulations and shall not be deemed to have breached its obligations under the Change of Control Offer provisions of the Notes by virtue of any such conflict. 

Section 3.2. Additional Definitions. For purposes of the Change of Control Offer provisions of the Securities of this series,
the following terms are applicable: 
 “Change of Control” means the occurrence of any of the following: (1) the
consummation of any transaction (including, without limitation, any merger or consolidation) the result of which is that any “person” (as that term is used in Section 13(d)(3) of the Exchange Act) (other than the Issuer or one of its
Subsidiaries) becomes the beneficial owner (as defined in Rules 13d-3 and 13d-5 under the Exchange Act), directly or indirectly, of more than 50% of the Issuer’s
Voting Stock or other Voting Stock into which the Issuer’s Voting Stock is reclassified, consolidated, exchanged or changed, measured by voting power rather than number of shares; (2) the direct or indirect sale, transfer, conveyance or
other disposition (other than by way of merger or consolidation), in one or more series of related transactions, of all or substantially all of the assets of the Issuer and its Subsidiaries, taken as a whole, to one or more Persons (other than the
Issuer or one of its Subsidiaries); or (3) the first day on which a majority of the members of the Issuer’s Board of Directors are not Continuing Directors. Notwithstanding the foregoing, a transaction shall not be deemed to involve a
Change of Control if (1) the Issuer becomes a direct or indirect Wholly-Owned Subsidiary of a holding company and (2)(A) the direct or indirect holders of the Voting Stock of such holding company immediately following that transaction are
substantially the same as the holders of the Issuer’s Voting Stock immediately prior to that transaction or (B) immediately following that transaction no “person” (as that term is used in Section 13(d)(3) of the Exchange
Act), other than a holding company satisfying the requirements of this sentence, is the beneficial owner, directly or indirectly, of more than 50% of the Voting Stock of such holding company. 

“Change of Control Triggering Event” means the occurrence of both a Change of Control and a Rating Event. 

“Continuing Directors” means, as of any date of determination, any member of the Issuer’s Board of Directors who
(1) was a member of such Board of Directors on the date the Notes were issued or (2) was nominated for election, elected or appointed to such Board of Directors with the approval of a majority of the Continuing Directors who were
members of such Board of Directors at the time of such nomination, election or appointment (either by a specific vote or by approval of the Issuer’s proxy statement in which such member was named as a nominee for election as a director, without
objection to such nomination). 
 “Investment Grade Rating” means a rating equal to or higher than Baa3 (or the equivalent)
by Moody’s and BBB- (or the equivalent) by S&P, and the equivalent investment grade credit rating from any additional rating agency or rating agencies selected by the Issuer. 

“Moody’s” means Moody’s Investors Service, Inc. 

“Rating Agencies” means (1) each of Moody’s and S&P; and (2) if any of Moody’s or S&P ceases to
rate the Notes or fails to make a rating of the Notes publicly available for reasons outside of the Issuer’s control, a “nationally recognized statistical rating organization” within the meaning of Section 3(a)(62) of the Exchange Act
selected by the Issuer (as certified by a resolution of the Issuer’s Board of Directors) as a replacement agency for Moody’s or S&P, or all of them, as the case may be. 

  
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 “Rating Event” means the rating on the Notes is lowered by each of the Rating
Agencies and the Notes are rated below an Investment Grade Rating by each of the Rating Agencies on any day within the 60-day period (which 60-day period shall be
extended so long as the rating of the Notes is under publicly announced consideration for a possible downgrade by any of the Rating Agencies) after the earlier of (1) the occurrence of a Change of Control and (2) public notice of the
occurrence of a Change of Control or the Issuer’s intention to effect a Change of Control. 
 “S&P” means
Standard & Poor’s Rating Services, a division of The McGraw-Hill Companies, Inc. 
 “Voting Stock”
means, with respect to any specified “person” (as that term is used in Section 13(d)(3) of the Exchange Act) as of any date, the capital stock of such person that is at the time entitled to vote generally in the election of the
board of directors of such person. 
 ARTICLE FOUR 

Defeasance 

Section 4.1. Defeasance Applicable to Notes. Pursuant to Section 301(18) of the Original Indenture,
provision is hereby made for both (i) defeasance of the Notes under Section 402(2) of the Original Indenture and (ii) covenant defeasance of the Notes under Section 402(3) of the Original
Indenture, in each case, upon the terms and conditions contained in Article Four of the Original Indenture. For purposes of the Notes, pursuant to Section 301(18) of the Original Indenture,
Section 402(4)(ii) of the Original Indenture is hereby amended by (A) replacing the phrase “an Opinion of Counsel” with the phrase “a legal opinion of outside counsel,” (B) replacing the phrase
“such Opinion of Counsel” with the phrase “such legal opinion of outside counsel,” and (C) replacing the phrase “Holders” with the phrase “beneficial owners.” 

Section 4.2. Covenant Defeasance. Upon the Issuer’s satisfaction of the conditions to elect covenant defeasance with
respect to the Notes pursuant to Article 4 of the Original Indenture and Section 4.1 of this Fifth Supplemental Indenture, the Issuer shall be released from its obligations under Article Seven of this Fifth
Supplemental Indenture, in addition to any other covenants set forth in Section 402(3) of the Original Indenture. 

Section 4.3. Return of Trust Funds. For purposes of the Notes, pursuant to Section 301(25) of the
Original Indenture, Section 402(6) of the Original Indenture is hereby amended by replacing “Section 402(2)(i)” with “Sections 402(2)(i) and 402(3)”. 

  
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 ARTICLE FIVE 

Defaults and Remedies 

Section 5.1. Events of Default. Except as provided below, Section 501 of the Original Indenture
shall be applicable to the Notes. For purposes of the Notes, pursuant to Section 301(15) of the Original Indenture, Section 501(4) of the Original Indenture is hereby amended by deleting such
section in its entirety and substituting in lieu thereof the following: 
 (4)    default (i) in the
payment when due after giving effect to any applicable grace period of any scheduled principal on any Indebtedness of the Issuer or any of its Subsidiaries, having an aggregate principal amount outstanding of at least $50,000,000, or (ii) in
the performance of any other term or provision of any such Indebtedness which default shall have resulted in such Indebtedness becoming or being declared due and payable prior to the date on which it would otherwise have become due and payable,
without such Indebtedness having been discharged, or such acceleration having been rescinded or annulled within the later of (x) the period specified in such instrument and (y) 15 days after written notice to the Issuer by the Trustee or
Holders of at least 25% of the aggregate principal amount of the Securities of such series then Outstanding. 
 ARTICLE SIX 

Amendments and Waivers 

Section 6.1. Modification and Amendment with Consent of Holders of the Notes. Except as provided below,
Section 902 of the Original Indenture shall be applicable to the Notes. After the Issuer’s obligation to purchase the Notes arises under Article Three of this Fifth Supplemental Indenture, the Issuer shall not, without
the consent of each of the Holders of the then Outstanding Notes, amend, change or modify in any material respect the Issuer’s obligation to make and consummate a Change of Control Offer in the event of a Change of Control Triggering Event or,
after such Change of Control Triggering Event has occurred, modify any of the provisions or definitions with respect thereto. 

Section 6.2. Modification and Amendment without Consent of Holders of the Notes. Except as provided below,
Section 901 of the Original Indenture shall be applicable to the Notes. For purposes of the Notes, pursuant to Section 301(15) of the Original Indenture, Sections 901(8)
and 901(9) of the Original Indenture is hereby amended by deleting such sections in their entirety and substituting in lieu thereof the following as Sections 901(8), 901(9) and 901(10): 

“(8)    to make any change that would provide any additional rights or benefits to the Holders of the
Securities of all or any series (including to secure the Securities of such series, add guarantees with respect thereto, transfer any property to or with the Trustee, add to the Company’s covenants for the benefit of the Holders of the
Securities of such series, add any additional Events of Default, or surrender any right or power conferred upon the Company); 

(9)     to make any other change hereunder that does not adversely affect the legal rights hereunder of any
Holder of the Securities of any series in any respect; or 
 (10)     supplement any provision of this
Indenture as shall be necessary to permit or facilitate the defeasance or discharge of the Securities of all or any series in accordance with this Indenture; provided that such action shall not adversely affect the interests of any Holder of the
Securities of any series in any material respect.” 

  
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 ARTICLE SEVEN 

Covenants 

Section 7.1. Covenants. For purposes of the Notes, pursuant to Section 301(15) of the Original
Indenture, Article 10 of the Original Indenture is hereby supplemented by incorporating therein the following additional covenants which the Issuer shall observe solely for the benefit of the Holders for so long as any Note is Outstanding: 

(a)    Limitation on Mortgages and Liens. The Issuer will not at any time directly or indirectly create or assume
and will not cause or permit a Subsidiary directly or indirectly to create or assume, otherwise than in favor of the Issuer or a Wholly-Owned Subsidiary, any mortgage, pledge or other lien or encumbrance upon any Principal Facility or any interest
it may have therein or upon any stock of any Subsidiary or any indebtedness of any Subsidiary to the Issuer or any other Subsidiary, whether now owned or hereafter acquired, without making effective provision (and the Issuer covenants that in such
case it will make or cause to be made, effective provision) whereby the Notes and any other indebtedness of the Issuer then entitled thereto shall be secured by such mortgage, pledge, lien or encumbrance equally and ratably with any and all other
obligations and indebtedness thereby secured, so long as any such other obligations and indebtedness shall be so secured (provided, that for the purpose of providing such equal and ratable security, the principal amount of Discount Securities shall
be such portion of the principal amount as may be specified in the terms of that series); provided, however, that the foregoing covenant shall not be applicable to the following: 

(i)    (A) any mortgage, pledge or other lien or encumbrance on any such property hereafter acquired
or constructed by the Issuer or a Subsidiary, or on which property so constructed is located, and created prior to, contemporaneously with or within 360 days after, such acquisition or construction or the commencement of commercial operation of such
property to secure or provide for the payment of any part of the purchase or construction price of such property, or (B) the acquisition by the Issuer or a Subsidiary of such property subject to any mortgage, pledge, or other lien or
encumbrance upon such property existing at the time of acquisition thereof, whether or not assumed by the Issuer or such Subsidiary, or (C) any mortgage, pledge, or other lien or encumbrance existing on the property, shares of stock or
indebtedness of a corporation at the time such corporation shall become a Subsidiary, or (D) any conditional sales agreement or other title retention agreement with respect to any property hereafter acquired or constructed; provided
that, in the case of subclauses (A) through (D) of this clause (i), the lien of any such mortgage, pledge or other lien does not spread to property owned prior to such acquisition or
construction or to other property thereafter acquired or constructed other than additions to such acquired or constructed property and other than property on which property so constructed is located; and provided, further, that if a
firm commitment from a bank, insurance company or other lender or investor (not including the Issuer, a Subsidiary or an Affiliate of the Issuer) for the financing of the acquisition or construction of property is made prior to, contemporaneously
with or within the 360-day period hereinabove referred to, the applicable mortgage, pledge, lien or encumbrance shall be deemed to be permitted by this clause (i) whether or not
created or assumed within such period; 
 (ii)    any mortgage, pledge or other lien or encumbrance
created for the sole purpose of extending, renewing or refunding any mortgage, pledge, lien or encumbrance permitted by clause (i) of this subsection (a); provided, however, that the
principal amount of indebtedness secured thereby shall not exceed the principal amount of indebtedness so secured at the time of such extension, renewal or refunding and that such extension, renewal or refunding mortgage, pledge, lien or encumbrance
shall be limited to all or any part of the same property that secured the mortgage, pledge or other lien or encumbrance extended, renewed or refunded; 

(iii)    liens for taxes or assessments or governmental charges or levies not then due and delinquent or
the validity of which is being contested in good faith, and against which an adequate reserve has been established; liens on any such property created in connection with pledges or deposits to secure public or statutory obligations or to secure
performance in connection with bids or contracts; materialmen’s, mechanics’, carrier’s, workmen’s, repairmen’s or other like liens; or liens on any such property created in connection with deposits to obtain the


  
 11 








 
release of such liens; liens on any such property created in connection with deposits to secure surety, stay, appeal or customs bonds; liens created by or resulting from any litigation or legal
proceeding which is currently being contested in good faith by appropriate proceedings; leases and liens, rights of reverter and other possessory rights of the lessor thereunder; zoning restrictions, easements, rights-of-way or other restrictions on the use of real property or minor irregularities in the title thereto; and any other liens and encumbrances similar to those described in this
clause (iii), the existence of which does not, in the opinion of the Issuer, materially impair the use by the Issuer or a Subsidiary of the affected property in the operation of the business of the Issuer or a Subsidiary,
or the value of such property for the purposes of such business; 
 (iv)    any contracts for production,
research or development with or for the Government, directly or indirectly, providing for advance, partial or progress payments on such contracts and for a lien, paramount to all other liens, upon money advanced or paid pursuant to such contracts,
or upon any material or supplies in connection with the performance of such contracts to secure such payments to the Government; and liens or other evidences of interest in favor of the Government, paramount to all other liens, on any equipment,
tools, machinery, land or buildings hereafter constructed, installed or purchased by the Issuer or a Subsidiary primarily for the purpose of manufacturing or producing any product or performing any development work, directly or indirectly, for the
Government to secure indebtedness incurred and owing to the Government for the construction, installation or purchase of such equipment, tools, machinery, land or buildings. For the purpose of this clause (iv),
“Government” shall mean the Government of the United States of America and any department, agency or political subdivision thereof and the government of any foreign country with which the Issuer or its Subsidiaries is permitted to
do business under applicable law and any department, agency or political subdivision thereof; 

(v)    any mortgage, pledge or other lien or encumbrance created after the date of this Fifth Supplemental
Indenture on any property leased to or purchased by the Issuer or a Subsidiary after that date and securing, directly or indirectly, obligations issued by a state, a territory or a possession of the United States, or any political subdivision of any
of the foregoing, or the District of Columbia, to finance the cost of acquisition or cost of construction of such property, provided that the interest paid on such obligations is entitled to be excluded from gross income of the recipient pursuant to
Section 103(a) of the Internal Revenue Code of 1986, as amended (or any successor to such provision), as in effect at the time of the issuance of such obligations; 

(vi)    any mortgage, pledge or other lien or encumbrance on any property now owned or hereafter acquired
or constructed by the Issuer or a Subsidiary, or on which property so owned, acquired or constructed is located, to secure or provide for the payment of any part of the construction price or cost of improvements of such property, and created prior
to, contemporaneously with or within 360 days after, such construction or improvement; provided, that if a firm commitment from a bank, insurance company or other lender or investor (not including the Issuer, a Subsidiary or an Affiliate of the
Issuer) for the financing of the acquisition or construction of property is made prior to, contemporaneously with or within the 360-day period hereinabove referred to, the applicable mortgage, pledge, lien or
encumbrance shall be deemed to be permitted by this clause (vi) whether or not created or assumed within such period; and 

(vii)    any mortgage, pledge or other lien or encumbrance not otherwise permitted under this
Section 7.1(a); provided, the aggregate amount of indebtedness secured by all such mortgages, pledges, liens or encumbrances, together with the aggregate sale price of property involved in sale and leaseback
transactions not otherwise permitted except under Section 7.1(b)(i) does not exceed 15% of Consolidated Stockholders’ Equity. 

  
 12 








 (b)    Limitation on Sale and Leaseback Transactions. The Issuer will
not, and will not permit any Subsidiary to, sell or transfer (except to the Issuer or one or more Wholly-Owned Subsidiaries, or both) any Principal Facility owned by it on the date of this Fifth Supplemental Indenture with the intention of taking
back a lease of such property, other than a lease for a temporary period (not exceeding 36 months) with the intent that the use by the Issuer or such Subsidiary of such property will be discontinued at or before the expiration of such period, unless
either: 
 (i)    the sum of the aggregate sale price of property involved in sale and leaseback
transactions not otherwise permitted pursuant to this Section 7.1(b) plus the aggregate amount of indebtedness secured by all mortgages, pledges, liens and encumbrances not otherwise permitted except under
Section 7.1(a)(vii) does not exceed 15% of Consolidated Stockholders’ Equity; or 

(ii)    the Issuer within 120 days after the sale or transfer shall have been made by the Issuer or by any
such Subsidiary applies an amount equal to the greater of (A) the net proceeds of the sale of the Principal Facility sold and leased back pursuant to such arrangement or (B) the fair market value of the Principal Facility sold and leased
back at the time of entering into such arrangement (which may be conclusively determined by the Board of Directors of the Issuer) to the retirement of Securities or other Funded Debt of the Issuer ranking on a parity with the Securities; provided,
that the amount required to be applied to the retirement of Outstanding Securities or other Funded Debt of the Issuer pursuant to this subclause (B) shall be reduced by (1) the principal amount (or, if the Securities
of that series are Discount Securities, such portion of the principal amount as may be specified in the terms of that series) of any Securities delivered within 120 days after such sale to the Trustee for retirement and cancellation, and
(2) the principal amount of any other Funded Debt of the Issuer ranking on a parity with the Securities voluntarily retired by the Issuer within 120 days after such sale. Notwithstanding the foregoing, no retirement referred to in this
clause (ii) may be effected by payment at maturity or pursuant to any mandatory sinking fund payment or any mandatory prepayment provision. 

(c)    Provision of Financial Information. For purposes of the Notes, pursuant to
Section 301(15) of the Original Indenture, Section 703 of the Original Indenture is hereby amended by deleting such Section in its entirety and substituting in lieu thereof the following: 

(i)    For so long as any Notes are Outstanding, if the Issuer is subject to Section 13(a) or 15(d) of
the Exchange Act or any successor provision, the Issuer will deliver to the Trustee the annual reports, quarterly reports and other documents which the Issuer is required to file with the Commission pursuant to Section 13(a) or 15(d) or any
successor provision, within 15 days after the date that the Issuer files the same with the Commission. If the Issuer is not subject to Section 13(a) or 15(d) of the Exchange Act or any successor provision, and for so long as any Notes
are Outstanding, the Issuer will deliver to the Trustee the quarterly and annual financial statements and accompanying Item 303 of Regulation S-K (“management’s discussion and analysis of financial
condition and results of operations”) disclosure that would be required to be contained in annual reports on Form 10-K and quarterly reports on Form 10-Q required
to be filed with the Commission if the Issuer were subject to Section 13(a) or 15(d) of the Exchange Act or any successor provision, within 15 days of the filing date that would be applicable to the Issuer at that time pursuant to applicable
SEC rules and regulations. 
 (ii)    Reports and other documents filed by the Issuer with the Commission
and publicly available via the EDGAR system or on the Issuer’s website will be deemed to be delivered to the Trustee as of the time such filing is publicly available via EDGAR or on the Issuer’s website for purposes of this covenant;
provided, however, that the Trustee shall have no obligation whatsoever to determine whether or not such information, documents or reports have 

  
 13 








 
been filed or are publicly available via EDGAR or on the Issuer’s website. Delivery of such reports, information and documents to the Trustee is for informational purposes only and the
Trustee’s receipt of such shall not constitute constructive notice of any information contained therein or determinable from information contained therein, including the Issuer’s compliance with any of its covenants relating to the Notes
(as to which the Trustee is entitled to rely exclusively on an Officers’ Certificate). 
 Section 7.2. Additional
Definitions. For purposes of the covenants set forth in Section 7.1 hereof, the following terms are applicable: 

“Consolidated Stockholders’ Equity”, at any time, means the total stockholders’ equity of the Issuer and its
consolidated Subsidiaries, determined on a consolidated basis in accordance with generally accepted accounting principles, as of the end of the most recently completed fiscal quarter of the Issuer for which financial information is then available.

 “Discount Security” means any Security which is issued with “original issue discount” within the meaning of
Section 1273(a) of the Internal Revenue Code of 1986, as amended, and the regulations thereunder. 
 “Funded Debt”
means any indebtedness for money borrowed, created, issued, incurred, assumed or guaranteed which would, in accordance with generally accepted accounting practice, be classified as long-term debt, but in any event including all indebtedness for
money borrowed, whether secured or unsecured, maturing more than one year or extendible at the option of the obligor to a date more than one year, after the date of determination thereof (excluding any amount thereof included in current
liabilities). 
 “Principal Facility” means the real property, fixtures, machinery and equipment relating to any facility
owned by the Issuer or any Subsidiary, except for any facility that, in the opinion of the Board of Directors, is not of material importance to the business conducted by the Issuer and its Subsidiaries, taken as a whole. 

“Wholly-Owned Subsidiary” means a Subsidiary of which all of the outstanding voting stock (other than directors’
qualifying shares) is at the time, directly or indirectly, owned by the Issuer, or by one or more Wholly-Owned Subsidiaries of the Issuer or by the Issuer and one or more Wholly-Owned Subsidiaries. 

ARTICLE EIGHT 
 Miscellaneous

 Section 8.1. Effect of Supplemental Indenture. Except as expressly modified or amended hereby, the Original
Indenture continues in full force and effect and is in all respects confirmed, ratified and preserved. This Fifth Supplemental Indenture and all its provisions shall be deemed a part of the Original Indenture in the manner and to the extent herein
and therein provided. 
 Section 8.2. Application of Fifth Supplemental Indenture. Each and every term and condition
contained in this Fifth Supplemental Indenture that modifies, amends or supplements the terms and conditions of the Original Indenture shall apply only to the Notes created hereby and not to any existing or future series of Securities established
under the Original Indenture. 
 Section 8.3. Benefits of Fifth Supplemental Indenture. Nothing contained in this Fifth
Supplemental Indenture shall be construed to confer upon any person other than a Holder of the Notes, 

  
 14 








 
the Issuer, the Trustee and the calculation agent any right or interest to avail itself, himself or herself as the case may be, of any benefit under any provision of the Original Indenture or
this Fifth Supplemental Indenture. 
 Section 8.4. Effective Date. This Fifth Supplemental Indenture shall be effective as
of the date first above written and upon the execution and delivery hereof by each of the parties hereto. 

Section 8.5. Governing Law. This Fifth Supplemental Indenture shall be governed by, and construed in accordance with, the
laws of the State of New York. 
 Section 8.6. Counterparts. This Fifth Supplemental Indenture may be executed in any
number of counterparts, each of which so executed shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument. 

Section 8.7. Effect of Headings. The Article and Section headings herein are for convenience only and shall not affect the
construction hereof. 
 Section 8.8. Separability Clause. In case any provision in this Fifth Supplemental Indenture or in
the Notes shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby. 

Section 8.9. Satisfaction and Discharge. The Issuer shall be deemed to have satisfied and discharged all of its obligations
under the Indenture upon compliance with the provisions of Section 401 of the Original Indenture. 

Section 8.10. No Representations. The Trustee makes no representation or warranty as to the validity or sufficiency of this
Fifth Supplemental Indenture. 
 Section 8.11. Special, Indirect and Consequential Damages. In no event shall the Trustee
be responsible or liable for special, indirect, or consequential loss or damage of any kind whatsoever (including, but not limited to, loss of profit) irrespective of whether the Trustee has been advised of the likelihood of such loss or damage and
regardless of the form of action. 
 Section 8.12. Waiver of Jury Trial. EACH OF THE ISSUER AND THE TRUSTEE HEREBY
IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS FIFTH SUPPLEMENTAL INDENTURE, THE INDENTURE, THE NOTES OR THE TRANSACTION
CONTEMPLATED HEREBY. 
 Section 8.13. Force Majeure. In no event shall the Trustee be responsible or liable for any failure
or delay in the performance of its obligations hereunder arising out of or caused by, directly or indirectly, forces beyond its control, including, without limitation, strikes, work stoppages, accidents, acts of war or terrorism, civil or military
disturbances, nuclear or natural catastrophes or acts of God, and interruptions, loss or malfunctions of utilities, communications or computer (software and hardware) services; it being understood that the Trustee shall use reasonable efforts which
are consistent with accepted practices in the banking industry to resume performance as soon as practicable under the circumstances. 

Section 8.14. Notices and Instructions to Trustee. The Trustee agrees to accept and act upon instructions or directions
pursuant to this Fifth Supplemental Indenture sent by unsecured e-mail, pdf, facsimile transmission or other similar unsecured electronic methods, provided, however, that the Trustee shall have received
an incumbency certificate listing persons designated to give such instructions or 

  
 15 








 
directions and containing specimen signatures of such designated persons, which such incumbency certificate shall be amended and replaced whenever a person is to be added or deleted from the
listing. If the Issuer elects to give the Trustee e-mail or facsimile instructions (or instructions by a similar electronic method) and the Trustee in its discretion elects to act upon such instructions, the
Trustee’s understanding of such instructions shall be deemed controlling. The Trustee shall not be liable for any losses, costs or expenses arising directly or indirectly from the Trustee’s reliance upon and compliance with such
instructions notwithstanding such instructions conflict or are inconsistent with a subsequent written instruction. The Issuer agrees to assume all risks arising out of the use of such electronic methods to submit instructions and directions to the
Trustee, including without limitation the risk of the Trustee acting on unauthorized instructions, and the risk or interception and misuse by third parties. 

  
 16 








 IN WITNESS WHEREOF, the parties hereto have caused this Fifth Supplemental Indenture to be duly
executed as of the date first above written. 
  

					
	 EQUIFAX INC.
 as
Issuer

		
	By:	 	 /s/ John W. Gamble, Jr.

		 	Name:	 	John W. Gamble, Jr.
		 	Title:	 	Corporate Vice President and Chief Financial Officer
	
	 U.S. BANK NATIONAL ASSOCIATION
 as
Trustee

		
	By:	 	 /s/ David Ferrell

		 	Name:	 	David Ferrell
		 	Title:	 	Vice President









 EXHIBIT A 

[FACE OF NOTE] 
 THIS NOTE
IS A SECURITY IN GLOBAL FORM (“GLOBAL SECURITY”) WITHIN THE MEANING OF SECTION 203 OF THE ORIGINAL INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF THE DEPOSITORY TRUST COMPANY, A NEW YORK
CORPORATION (THE “DEPOSITORY”), OR A NOMINEE OF THE DEPOSITORY, WHICH MAY BE TREATED BY THE ISSUER, THE TRUSTEE AND ANY AGENT THEREOF AS OWNER AND HOLDER OF THIS NOTE FOR ALL PURPOSES. 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION
(“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE
REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. 
 UNLESS AND UNTIL THIS CERTIFICATE IS EXCHANGED IN WHOLE OR IN PART
FOR NOTES IN CERTIFICATED FORM, THIS CERTIFICATE MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY DTC TO A NOMINEE THEREOF OR BY A NOMINEE THEREOF TO DTC OR ANOTHER NOMINEE OF DTC OR BY DTC OR ANY SUCH NOMINEE TO A SUCCESSOR OF DTC OR A NOMINEE OF SUCH
SUCCESSOR. 

  
 A-1 








 NO. [    ] 
  

			
	CUSIP NO. 294429AP0	  	$[            ]
	ISIN NO. US294429AP03	  	

 EQUIFAX INC. 

Floating Rate Notes due 2021 

Equifax Inc., a Georgia corporation (the “Issuer,” which term includes any successor under the Original Indenture
hereinafter referred to), for value received, hereby promises to pay to Cede & Co. or its registered assigns, the principal sum of [            ] on August 15, 2021 (the
“Maturity Date”), and to pay interest thereon quarterly in arrears on February 15, May 15, August 15 and November 15 of each year, beginning on August 15, 2018 (each, an “Interest Payment
Date”), and on the Maturity Date; provided, that if an Interest Payment Date for this Note falls on a day that is not a Business Day the Interest Payment Date shall be postponed to the next succeeding Business Day, unless such next
succeeding Business Day would be in the following calendar month, in which case the Interest Payment Date shall be the immediately preceding Business Day. “Business Day” means any calendar day that is not a Saturday, Sunday or legal
holiday in New York, New York and on which commercial banks are open for business in New York, New York. 
 The interest so payable and
punctually paid or duly provided for on any Interest Payment Date and on the Maturity Date will be paid to the Holder in whose name this Note (or one or more predecessor Notes) is registered at the close of business on the “Record Date”
for such payment, which will be close of business on the Business Day preceding the Interest Payment Date. Any interest not so punctually paid or duly provided for shall forthwith cease to be payable to the Holder on such record date, and shall be
paid to the Holder in whose name this Note (or one or more predecessor Notes) is registered at the close of business on a subsequent record date for the payment of such defaulted interest (which shall be not more than 15 days and not less than 10
days prior to the date of the payment of such defaulted interest) established by notice given by mail by or on behalf of the Issuer to the Holders of the Notes not less than 10 days preceding such subsequent record date. Interest on this Note will
be computed on the basis of a 360-day year of twelve 30-day months. 

The principal of this Note payable on the Maturity Date will be paid against presentation and surrender of this Note at the office or agency
of the Issuer maintained for that purpose in The Borough of Manhattan, The City of New York. The Issuer hereby initially designates U.S. Bank Global Corporate Trust Services – New York, 100 Wall Street, Suite 1600, New York, NY 10005 as the
office to be maintained by it where Notes may be presented for payment, registration of transfer, or exchange and where notices or demands to or upon the Issuer in respect of the Notes or the Original Indenture referred to on the reverse hereof may
be served. 
 Interest payable on this Note on any Interest Payment Date and on the Maturity Date, as the case may be, will be the amount of
interest accrued from and including the immediately preceding Interest Payment Date to, but excluding, the next succeeding Interest Payment Date, except for the initial Interest Period, which will be the period from, and including, the date hereof
to, but excluding, the Interest Payment Date occurring on August 15, 2018. 
 Payments of principal and interest in respect of this
Note will be made by wire transfer of immediately available funds in such coin or currency of the United States of America as at the time of payment is legal tender for the payment of public and private debts. 

  
 A-2 








 Reference is made to the further provisions of this Note set forth on the reverse hereof. Such
further provisions shall for all purposes have the same effect as though fully set forth at this place. 
 This Note shall not be entitled
to the benefits of the Original Indenture referred to on the reverse hereof or be valid or become obligatory for any purpose until the certificate of authentication hereon shall have been signed by the Trustee under such Indenture. 

  
 A-3 








 IN WITNESS WHEREOF, the Issuer has caused this instrument to be signed manually or by facsimile
by its authorized officers. 
 Dated as of
                                         
        
  

			
	 EQUIFAX INC.,
 as
Issuer

		
	By:	 	  

		 	Name:
		 	Title:



  
 A-4 








 TRUSTEE’S CERTIFICATE OF AUTHENTICATION 

This is one of the Securities of the series designated herein referred to in the within-mentioned Indenture. 

 

					
		 	 U.S. BANK NATIONAL ASSOCIATION,
 as
Trustee

			
	Date:
                                         
       	 	By:	 	  

		 		 	Authorized Signatory


  
 A-5 








 [REVERSE OF NOTE] 

EQUIFAX INC. 
 Floating
Rate Notes due 2021 
 This security is one of a duly authorized issue of debentures, notes, bonds, or other evidences of indebtedness
of the Issuer (hereinafter called the “Securities”) of the series hereinafter specified, all issued or to be issued under and pursuant to an Indenture dated as of May 12, 2016 (hereinafter called the “Original
Indenture”), duly executed and delivered by the Issuer to U.S. Bank National Association, as Trustee (hereinafter called the “Trustee,” which term includes any successor trustee under the Original Indenture with
respect to the series of Securities of which this Note is a part), and a Fifth Supplemental Indenture, dated as of May 25, 2018, between the Issuer and the Trustee (the “Fifth Supplemental Indenture;” the Original Indenture as
modified and supplemented by the Fifth Supplemental Indenture is herein called the “Indenture”) to which the Original Indenture and all indentures supplemental thereto relating to this security reference is hereby made for a
description of the rights, limitations of rights, obligations, duties, and immunities thereunder of the Trustee, the Issuer, and the Holders of the Securities, and of the terms upon which the Securities are, and are to be, authenticated and
delivered. Capitalized terms used herein without definition shall have the meanings set forth in the Original Indenture. The Securities may be issued in one or more series, which different series may be issued in various aggregate principal amounts,
may mature at different times, may bear interest (if any) at different rates, may be subject to redemption provisions (if any), and may otherwise vary as provided in the Original Indenture or any indenture supplemental thereto. This security is one
of a series designated as the Floating Rate Notes due 2021 of the Issuer (the “Notes”), initially limited in aggregate principal amount to $300,000,000. 

The Issuer shall pay interest on the Notes quarterly in arrears on February 15, May 15, August 15 and November 15 of each
year, beginning on August 15, 2018 (each, an “Interest Payment Date”), and on the Maturity Date, to the Holder in whose name the Notes are registered at the close of business on the Business Day preceding the Interest Payment
Date; provided, that if an Interest Payment Date for this Note falls on a day that is not a Business Day the Interest Payment Date shall be postponed to the next succeeding Business Day, unless such next succeeding Business Day would be in the
following calendar month, in which case the Interest Payment Date shall be the immediately preceding Business Day. 
 The Notes shall bear
interest for each Interest Period at a rate calculated by the Calculation Agent. The interest rate on the Notes for a particular Interest Period will be a rate equal to three-month LIBOR on the Interest Determination Date plus 0.87% per annum.
Promptly upon calculation, the Trustee shall inform the Issuer of the interest rate for the next Interest Period. Interest will be computed on the basis of a 360-day year and the actual number of days that
have elapsed in the applicable Interest Period. 
 On any Interest Determination Date, LIBOR shall be equal to the offered rate for deposits
in U.S. dollars having an index maturity of three months, as such rate appears on the Reuters Page LIBOR 01 (or on such other page as may replace Reuters Page LIBOR 01 on that service, or such other service or services as may be nominated for the
purpose of displaying London interbank offered rates for U.S. dollar deposits by ICE Benchmark Administration Limited (“IBA”) or its successor or such other entity assuming the responsibility of IBA or its successor in calculating
LIBOR in the event IBA or its successor no longer does so), as of approximately 11:00 a.m., London time, on such Interest Determination Date. 

If three-month LIBOR does not appear on either of the pages described above, the three-month LIBOR, in respect of such Interest Determination
Date, shall be determined as follows: the Trustee shall request the principal London offices of each of four major reference banks in the London interbank market, as selected by the Issuer (after consultation with the Trustee), to provide the
Trustee with its offered quotation for deposits in U.S. dollars for the period of three months commencing on the applicable interest reset date to prime banks in the London interbank market at approximately 11:00 a.m.,


  
 A-6 








 
London time, on that Interest Determination Date and in a principal amount of not less than $1,000,000 for a single transaction in U.S. dollars in such market at such time. If at least two
quotations are provided, then the three-month LIBOR on such Interest Determination Date shall be the arithmetic mean of such quotations. If fewer than two such quotations are provided, then the three-month LIBOR on such Interest Determination Date
shall be the arithmetic mean of the rates quoted at approximately 11:00 a.m., New York City time, on such Interest Determination Date by three major reference banks in New York City selected by the Issuer (after consultation with the Trustee) for
loans in U.S. dollars to leading European banks, having an index maturity of three months and in a principal amount of not less than $1,000,000 for a single transaction in U.S. dollars in such market at such time; provided, however, that if
the banks selected by the Issuer (after consultation with the Trustee) are not providing quotations in the manner described by this sentence, the three-month LIBOR determined as of such Interest Determination Date shall be the three-month LIBOR in
effect prior to such Interest Determination Date. 
 All percentages resulting from any calculation of any interest rate for the Notes shall
be rounded, if necessary, to the nearest one hundred thousandth of a percentage point, with five one-millionths of a percentage point rounded upward (e.g., 3.876545% (or .03876545) would be rounded to 3.87655%
(or .0387655)), and all U.S. dollar amounts used in or resulting from such calculations shall be rounded to the nearest cent, with one-half cent being rounded upward. Each calculation of the interest rate on
the Notes by the Trustee shall (in the absence of manifest error) be final and binding on the Holders of the Notes and the Issuer. 
 Upon
written request from any Holder of Notes, the Trustee shall provide the interest rate in effect on such Notes for the current Interest Period and, if it has been determined, the interest rate to be in effect for the next Interest Period. 

The interest rate on the Notes shall in no event be higher than the maximum rate permitted by New York law as the same may be modified by
United States law of general application. 
 The Issuer does not have the right to redeem the Notes. 

In case an Event of Default with respect to this security shall have occurred and be continuing, the principal hereof together with accrued
interest to the date of declaration, if any, may be declared, and upon such declaration shall become, due and payable, in the manner, with the effect, and subject to the conditions provided in the Original Indenture. 

If a Change of Control Triggering Event occurs, the Issuer shall be required to make an offer (the “Change of Control Offer”)
to each Holder of the Notes to repurchase all or any part (equal to $2,000 or an integral multiple of $1,000 in excess thereof) of that Holder’s Notes on the terms set forth herein. In the Change of Control Offer, the Issuer shall be required
to offer payment in cash equal to 101% of the aggregate principal amount of Notes repurchased, plus accrued and unpaid interest, if any, on the Notes repurchased to the date of repurchase (the “Change of Control Payment”).
Within 30 days following any Change of Control Triggering Event or, at the Issuer’s option, prior to any Change of Control, but after public announcement of the transaction that constitutes or may constitute the Change of Control, the Issuer
shall mail a notice to Holders of the Notes describing the transaction that constitutes or may constitute the Change of Control Triggering Event and offering to repurchase such Securities on the date specified in the notice, which date shall be no
earlier than 15 days and no later than 60 days from the date such notice is mailed (the “Change of Control Payment Date”). The notice shall, if mailed prior to the date of consummation of the Change of Control, state that the offer to
purchase is conditioned on the Change of Control Triggering Event occurring on or prior to the Change of Control Payment Date. 

  
 A-7 








 In order to accept the Change of Control Offer, the Holder must deliver to the Paying Agent, at
least three Business Days prior to the Change of Control Payment Date, this Security together with the form entitled “Option of Holder to Elect Purchase” (which form is annexed hereto) duly completed, or a telegram, telex, facsimile
transmission or a letter from a member of a national securities exchange, or the Financial Industry Regulatory Authority, Inc., or a commercial bank or trust company in the United States setting forth: 

(i)    the name of the Holder of the Note; 

(ii)    the principal amount of the Note; 

(iii)    the principal amount of the Note to be repurchased; 

(iv)    the certificate number or a description of the tenor and terms of the Note; 

(v)    a statement that the Holder is accepting the Change of Control Offer; and 

(vi)    a guarantee that the Note, together with the form entitled “Option of Holder to Elect
Purchase” duly completed, will be received by the Paying Agent at least three Business Days prior to the Change of Control Payment Date. 

Any exercise by a Holder of its election to accept the Change of Control Offer shall be irrevocable. The Change of Control Offer may be
accepted for less than the entire principal amount of the Notes, but in that event the principal amount of the Notes remaining outstanding after repurchase must be equal to $2,000 or an integral multiple of $1,000 in excess thereof. On the Change of
Control Payment Date, the Issuer shall, to the extent lawful (1) accept for payment all Notes or portions of such Notes properly tendered pursuant to the Change of Control Offer, (2) deposit with the Paying Agent an amount equal to the
Change of Control Payment in respect of all Notes or portions of such Notes properly tendered, and (3) deliver or cause to be delivered to the Trustee the Notes properly accepted together with an Officers’ Certificate stating the aggregate
principal amount of Notes or portions of such Notes being repurchased. 
 The Issuer shall not be required to make a Change of Control Offer
upon the occurrence of a Change of Control Triggering Event if a third party makes such an offer in the manner, at the times and otherwise in compliance with the requirements for an offer made by the Issuer and the third party purchases all Notes of
this series properly tendered and not withdrawn under its offer. In addition, the Issuer shall not repurchase any Notes if there has occurred and is continuing on the Change of Control Payment Date an Event of Default under the Indenture with
respect to the Notes, other than a default in the payment of the Change of Control Payment upon a Change of Control Triggering Event. 
 The
Issuer shall comply with the requirements of Rule 14e-1 under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), and any other securities laws and regulations thereunder to
the extent those laws and regulations are applicable in connection with the repurchase of the Notes as a result of a Change of Control Triggering Event. To the extent that the provisions of any such securities laws or regulations conflict with the
Change of Control Offer provisions of the Notes, the Issuer shall comply with those securities laws and regulations and shall not be deemed to have breached its obligations under the Change of Control Offer provisions of the Notes by virtue of any
such conflict. 

  
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 The following terms have the meanings given to them in this Note: 

“Business Day” means, unless otherwise specified, any calendar day that is not a Saturday, Sunday or legal holiday in New
York, New York and on which commercial banks are open for business in New York, New York. 
 “Change of Control”
means the occurrence of any of the following: (1) the consummation of any transaction (including, without limitation, any merger or consolidation) the result of which is that any “person” (as that term is used in
Section 13(d)(3) of the Exchange Act) (other than the Issuer or one of its Subsidiaries) becomes the beneficial owner (as defined in Rules 13d-3 and 13d-5 under the
Exchange Act), directly or indirectly, of more than 50% of the Issuer’s Voting Stock or other Voting Stock into which the Issuer’s Voting Stock is reclassified, consolidated, exchanged or changed, measured by voting power rather than
number of shares; (2) the direct or indirect sale, transfer, conveyance or other disposition (other than by way of merger or consolidation), in one or more series of related transactions, of all or substantially all of the assets of the Issuer
and its Subsidiaries, taken as a whole, to one or more “Persons” (other than the Issuer or one of its Subsidiaries); or (3) the first day on which a majority of the members of the Issuer’s Board of Directors are not Continuing
Directors. Notwithstanding the foregoing, a transaction shall not be deemed to involve a Change of Control if (1) the Issuer becomes a direct or indirect Wholly-Owned Subsidiary of a holding company and (2)(A) the direct or indirect holders of
the Voting Stock of such holding company immediately following that transaction are substantially the same as the holders of the Issuer’s Voting Stock immediately prior to that transaction or (B) immediately following that transaction no
“person” (as that term is used in Section 13(d)(3) of the Exchange Act), other than a holding company satisfying the requirements of this sentence, is the beneficial owner, directly or indirectly, of more than 50% of the Voting Stock
of such holding company. 
 “Change of Control Triggering Event” means the occurrence of both a Change of Control and a
Rating Event. 
 “Continuing Directors” means, as of any date of determination, any member of the Issuer’s Board of
Directors who (1) was a member of such Board of Directors on the date the Notes were issued or (2) was nominated for election, elected or appointed to such Board of Directors with the approval of a majority of the Continuing Directors who
were members of such Board of Directors at the time of such nomination, election or appointment (either by a specific vote or by approval of the Issuer’s proxy statement in which such member was named as a nominee for election as a director,
without objection to such nomination). 
 “Depository” means a clearing agency registered under Section 17A of the
Exchange Act that is designated to act as Depository for the Notes. 
 “Interest Determination Date” for an Interest Period
shall be the second London Business Day preceding the first day of such Interest Period, except that with respect to the initial Interest Period, is the second London Business Day immediately preceding the date hereof. 

“Interest Period” means the period from, and including, an Interest Payment Date to, but excluding, the next succeeding
Interest Payment Date, except for the initial Interest Period, which shall be the period from, and including, the date hereof to, but excluding, the Interest Payment Date occurring on August 15, 2018. 

“Investment Grade Rating” means a rating equal to or higher than Baa3 (or the equivalent) by Moody’s and BBB- (or the equivalent) by S&P, and the equivalent investment grade credit rating from any additional rating agency or rating agencies selected by the Issuer. 

  
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 “London Business Day” means any day on which dealings in United States dollars
are transacted in the London interbank market. 
 “Moody’s” means Moody’s Investors Service, Inc. 

“Rating Agencies” means (1) each of Moody’s and S&P; and (2) if any of Moody’s or S&P ceases to
rate the Notes or fails to make a rating of the Notes publicly available for reasons outside of the Issuer’s control, a “nationally recognized statistical rating organization” within the meaning of Section 3(a)(62) of the
Exchange Act selected by the Issuer (as certified by a resolution of the Issuer’s Board of Directors) as a replacement agency for Moody’s or S&P, or all of them, as the case may be. 

“Rating Event” means the rating on the Notes is lowered by each of the Rating Agencies and the Notes are rated below an
Investment Grade Rating by each of the Rating Agencies on any day within the 60-day period (which 60-day period shall be extended so long as the rating of the Notes is
under publicly announced consideration for a possible downgrade by any of the Rating Agencies) after the earlier of (1) the occurrence of a Change of Control and (2) public notice of the occurrence of a Change of Control or the
Issuer’s intention to effect a Change of Control. 
 “S&P” means Standard & Poor’s Rating Services,
a division of The McGraw-Hill Companies, Inc. 
 “Voting Stock” means, with respect to any specified “person” (as
that term is used in Section 13(d)(3) of the Exchange Act) as of any date, the capital stock of such person that is at the time entitled to vote generally in the election of the board of directors of such person. 

The Original Indenture and Fifth Supplemental Indenture contain provisions permitting the Issuer and the Trustee, with the consent of the
Holders of not less than a majority of the aggregate principal amount of all Outstanding Securities of each series to be affected (voting separately), evidenced as provided in the Original Indenture, to execute supplemental indentures for the
purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Original Indenture or of any supplemental indenture or modifying in any manner the rights of the Holders of the Securities of each series;
provided that no such supplemental indenture shall, without the consent of the Holder of each Outstanding Security of each such series affected by such supplemental indenture, (1) reduce the percentage of Outstanding Securities necessary
to modify or amend the Original Indenture, to waive compliance with certain provisions of the Original Indenture or certain defaults and their consequences provided in the Original Indenture, or to reduce the quorum or change voting requirements set
forth in the Original Indenture; (2) reduce the rate of, or change or have the effect of changing the time for payment of Interest, including Defaulted Interest, on any Security; (3) reduce the principal amount of, or change or have the
effect of changing the Stated Maturity of any Security, or adversely change the date on which any Security may be subject to redemption or reduce the Redemption Price therefor; (4) make any Security payable in currency other than that stated in
such Security or change the place of payment of any Security from that stated in such Security or in the Original Indenture; (5) make any change in provisions of the Original Indenture protecting the right of each Holder of a Security to
receive payment of principal of and Interest on such Security on or after the due date thereof or to bring suit to enforce such payment, or permitting Holders holding a majority in principal amount of the Outstanding Securities to waive defaults or
Events of Default; (6) make any change to or modify the ranking of any Security that would adversely affect the Holders of such Security; (7) modify any of Section 902 of the Original Indenture or any of the second paragraph of
Section 507 of the Original Indenture, except to increase the required percentage to effect the action or to provide that certain other provisions may not be modified or waived without the consent of the Holders of each of the Outstanding
Securities affected thereby; or (8) after the 

  
 A-10 








 
Issuer’s obligation to purchase the Notes arises under Article Three of the Fifth Supplemental Indenture, the Issuer shall not, without the consent of each of the Holders of the then
Outstanding Notes, amend, change or modify in any material respect the Issuer’s obligation to make and consummate a Change of Control Offer in the event of a Change of Control Triggering Event or, after such Change of Control Triggering Event
has occurred, modify any of the provisions or definitions with respect thereto. 
 It is also provided in the Original Indenture that, with
respect to certain defaults or Events of Default regarding the Securities of any series, the Holders of a majority in aggregate principal amount outstanding of the Securities of such series (or, in the case of certain defaults or Events of Default,
all series of Securities) may on behalf of the Holders of all the Securities of such series (or all of the Securities, as the case may be) waive any such past default or Event of Default and its consequences, prior to any declaration accelerating
the maturity of such Securities, or, subject to certain conditions, may rescind a declaration of acceleration and its consequences with respect to such Securities. Any such consent or waiver by the Holder of this Security (unless revoked as provided
in the Original Indenture) shall be conclusive and binding upon such Holder and upon all future Holders and owners of the security and any securities that may be issued in exchange or substitution herefor, irrespective of whether or not any notation
thereof is made upon this security or such other securities. 
 No reference herein to the Original Indenture and no provision of this
security or of the Original Indenture shall alter or impair the obligation of the Issuer, which is absolute and unconditional, to pay the principal of and interest on this Security in the manner, at the respective times, at the rate and in the coin
or currency herein prescribed. 
 This Security is issuable only in registered form without coupons in denominations of $2,000 and integral
multiples of $1,000 in excess thereof. Securities may be exchanged for a like aggregate principal amount of securities of this series of other authorized denominations at the office or agency of the Issuer in The Borough of Manhattan, The City of
New York, in the manner and subject to the limitations provided in the Original Indenture, but without the payment of any service charge except for any tax or other governmental charge imposed in connection therewith. 

Upon due presentment for registration of transfer of Securities at the office or agency of the Issuer in The Borough of Manhattan, The City of
New York, one or more new Securities of the same series of authorized denominations in an equal aggregate principal amount will be issued to the transferee in exchange therefor, subject to the limitations provided in the Original Indenture, without
charge except for any tax or other governmental charge imposed in connection therewith. 
 The Issuer, the Trustee or any authorized agent
of the Issuer or the Trustee may deem and treat the Person in whose name this security is registered as the absolute owner of this security (whether or not this security shall be overdue and notwithstanding any notation of ownership or other writing
hereon), for the purpose of receiving payment of, or on account of, the principal hereof, and subject to the provisions on the face hereof, interest hereon, and for all other purposes, and neither the Issuer nor the Trustee nor any authorized agent
of the Issuer or the Trustee shall be affected by any notice to the contrary. 
 The Original Indenture and each Security shall be deemed to
be a contract under the laws of the State of New York, and for all purposes shall be construed in accordance with the laws of such state, except as may otherwise be required by mandatory provisions of law. 

Capitalized terms used herein which are not otherwise defined shall have the respective meanings assigned to them in the Original Indenture
and all indentures supplemental thereto relating to this security. 

  
 A-11 








 OPTION OF HOLDER TO ELECT PURCHASE 

If you want to elect to have this Note purchased by the Issuer pursuant to Article Three of the Fifth Supplemental Indenture, check the
box:  ☐ 
 If you want to elect to have only part of this Note purchased by the Issuer pursuant to Article Three of the
Fifth Supplemental Indenture, state the amount in principal amount that you elect to have purchased: $             
  


			
	Dated:                    	  	Your
Signature:                                       
                 
		  	 (Sign exactly as your name appears on the
other side of this
Note.)


  

			
	Signature Guarantee:	  	  

	 (Signature must be guaranteed)


 Signatures must be guaranteed by an “eligible guarantor institution” meeting the requirements of the
Registrar, which requirements include membership or participation in the Security Transfer Agent Medallion Program (“STAMP”) or such other “signature guarantee program” as may be determined by the Registrar in addition to, or in
substitution for, STAMP, all in accordance with the Securities Exchange Act of 1934, as amended. 

  
 A-12