Equifax 2007 Annual Report Download - page 24

Mr. Springman has served as Chief Marketing Offi cer since
February 2004. He joined Equifax in 1990 and has held various
executive positions, most recently serving as the head of the
Predictive Sciences unit from August 2002 until February 2004.
Prior thereto, Mr. Springman served as Group Executive, North
America Information Solutions from September 2001 until
August 2002.
Mr. Webb joined Equifax in November 2004 as the Chief
Technology Offi cer. Prior to joining Equifax, Mr. Webb was
employed by General Electric Corporation from 1996 to 2004,
where he held Chief Information Offi cer positions for GE Commer-
cial Finance, GE Global Consumer Finance and GE Energy
Services. Prior thereto, he worked as an information technology
and management consultant with EDS and Andersen Consulting.
Mr. Adams assumed his current position in January 2007.
He joined Equifax in 1999 and has served as Group Executive,
North America Information Services from November 2003
until December 2006; Senior Vice President, Equifax North
America Sales from October 2001 until October 2003; and
Senior Vice President, Financial Services from February 1999
until October 2001.
Mr. Canfi eld joined Equifax in May 2007 upon Equifax’s
acquisition of TALX Corporation, for which he served as
President and Chief Executive Offi cer from 1987 and Chairman
since 1988.
Mr. Ely joined Equifax in February 2004 and was appointed
President, North American Personal Solutions in January 2007.
He served as Group Executive, Personal Solutions from August
2005 until December 2006 when he assumed his current position.
From February 2004 until August 2005, Mr. Ely was Senior Vice
President of Product Management and Marketing. Prior to joining
Equifax, he was Senior Vice President, Worldwide Marketing
of S1 Corporation from June 2001 until September 2003, and held
senior marketing and software development management positions
with NetVendor, Per-Se Technologies, Dun & Bradstreet Software,
Sybase and NCR Corporation prior to that.
Mr. Ploder joined Equifax in February 2004 and is President,
International. Prior to that position, he was Group Executive, Latin
America. Before joining Equifax, he was employed by MCI where
he had been Vice President, International since 1999. Prior thereto,
Mr. Ploder spent 13 years in the telecommunications industry,
primarily in international management positions.
Mr. Shannon assumed his current position in January 2007.
Since joining Equifax in 1992, he has held various executive
positions including, most recently, Group Executive, Europe from
February 2002 until December 2006, and Managing Director, U.K.
from July 2001 until February 2002.
Ms. King joined Equifax in March 2004 as Vice President and
Corporate Controller. Prior to joining Equifax, Ms. King served
as Corporate Controller for UPS Capital from March 2001 until
March 2004 and, prior thereto, held various executive positions
with The Coca-Cola Company.
Item 1A.
RISK FACTORS
Set forth below are some of the risks and uncertainties that, if they
were to occur, could materially and adversely affect our business
or that could cause our actual results to differ materially from the
results contemplated by the forward-looking statements contained
in this report and the other public statements we make.
Forward-looking statements involve matters that are not historical
or current facts. Words such as “may,” “could,” “should,” “would,”
“believe,” “expect,” “anticipate,” “estimate,” “intend,” “seeks,”
“plan,” “project,” “continue,” “predict,” or other words or expres-
sions of similar meaning are intended to identify forward-looking
statements, although not all forward-looking statements contain
these identifying words.
Forward-looking statements include, but are not limited to:
• Projections of revenues, income, net income per share,
capital expenditures, dividends, capital structure, or other
financial measures;
• Descriptions of anticipated plans or objectives of our
management for operations, products or services;
• Forecasts of performance; and
• Assumptions regarding any of the foregoing.
For example, our forward-looking statements include our
expectations regarding:
• Regarding Note 4 of the Notes to Consolidated Financial
Statements, and our future liquidity needs discussed under
“Liquidity and Financial Condition,” our ability to generate
cash from operating activities and any declines in our
credit ratings or financial condition which could restrict
our access to the capital markets or materially increase our
financing costs;
• With respect to our pension funding obligations and expected
rate of return on plan assets discussed in “Pension Plans”
in Management’s Discussion and Analysis of Financial
Conditions and Results of Operations, or MD&A, in this
Form 10-K, the impact of changes in accounting standards
and pension funding laws and regulations, measurement
of pension and other postretirement plan assets and pension
liabilities, actuarial assumptions and future investment returns
on pension assets and pension liabilities;
• With respect to Note 5 of the Notes to Consolidated Financial
Statements, “Commitments and Contingencies,” and
“Contractual Obligations, Commercial Commitments
and Other Contingencies” in MD&A, changes in the market
value of our assets or the actual cost of our commitments or
contingencies, including, without limitation, the negotiated
or appraised price payable under the CSC option, if exercised;
• Regarding Note 3 of the Notes to Consolidated Financial
Statements, estimated future amortization expense related to
definite lived purchased intangible assets at December 31,
2007, our ability to accurately estimate the fair value of
such assets;
22 EQUIFAX | 2007 ANNUAL REPORT