Please download the 2019 annual reports of Equifax and Chipotle. Please read the liability section of the Balance Sheets and the footnote for "Commitment and Contingency". The balance sheets are located within "Item 8: Financial Statements and Supplementary Data". The "Commitment and Contingencies" are in Footnote 6 for Equifax and footnote 13 for Chipotle. (You don't have to understand the entire footnote.) Answer the following questions 1. Summarize the 2017 Cybersecurity Incident of Equifax to your grandmother and explain what is the impact of the incident on the company's liability. Describe one specific example of such an impact. 2. Describe one example of commitment and contingency of Chipotle to your grandmother and explain why it is a liability. Detailed requirements 1. Your discussion should be concise and free of grammatical errors. Your intended audience is your grandmother. Please avoid jargon. The length of your answers is expected to be 100-200 words for each question. 2. Please indicate which page and paragraph you used to locate the information in your discussion.

TEM 6. SELECTED FINANCIAL DATA The table below summarizes our selected historical financial information for each of the last five years. The summary of operations data for the years ended December 31, 2019, 2018, and 2017, and the balance sheet data as of December 31, 2019 and 2018, have been derived from our audited Consolidated Financial Statements included in this report. The summary of operations data for the years ended December 31, 2016 and 2015, and the balance sheet data as of December 31, 2017, 2016 and 2015, have been derived from our audited Consolidated Financial Statements not included in this report. The historical selected financial information may not be indicative of our future performance and should be read in conjunction with the information contained in Managements Discussion and Analysis of Financial Condition and Results of Operations, and the Consolidated Financial Statements and the accompanying Notes to the Consolidated Financial Statements in this report. Twelve Months Ended December 31, 2019 (1) (2) 2018 (2) (3) 2017 (2) (4) 2016 (5) 2015 (3) (6) (In millions, except per share data) Summary of Operations: Operating revenue $ 3,507.6 $ 3,412.1 $ 3,362.2 $ 3,144.9 $ 2,663.6 Operating expenses 3,843.0 2,964.1 2,530.5 2,319.8 1,963.6 Operating (loss) income (335.4) 448.0 831.7 825.1 700.0 Consolidated (loss) income from continuing operations (392.8) 306.3 598.0 495.1 434.8 Net (loss) income attributable to Equifax $ (398.8) $ 299.8 $ 587.3 $ 488.8 $ 429.1 Dividends paid to Equifax shareholders $ 188.7 $ 187.9 $ 187.4 $ 157.6 $ 137.8 Diluted earnings per share Net (loss) income attributable to Equifax $ (3.27) $ 2.47 $ 4.83 $ 4.04 $ 3.55 Cash dividends declared per share $ 1.56 $ 1.56 $ 1.56 $ 1.32 $ 1.16 Weighted-average shares outstanding (diluted) 122.0 121.4 121.5 121.1 120.9 As of December 31, 2019 (1) (2) 2018 (2) (3) 2017 (2) (4) 2016 (5) 2015 (3) (6) (In millions) Balance Sheet Data: Total assets $ 7,909.0 $ 7,153.2 $ 7,233.4 $ 6,664.0 $ 4,501.5 Short-term debt and current maturities 3.1 4.9 965.3 585.4 49.3 Long-term debt, net of current portion 3,379.5 2,630.6 1,739.0 2,086.8 1,138.4 Total debt, net 3,382.6 2,635.5 2,704.3 2,672.2 1,187.7 Total equity 2,622.9 3,155.7 3,239.0 2,721.3 2,350.4 (1) During the year ended December 31, 2019, the Company recorded $800.9 million of losses, net of insurance recoveries, associated with certain legal proceedings and government investigations related to the 2017 cybersecurity incident, exclusive of our legal professional services expenses. For additional information, see Note 6 of the Notes to the Consolidated Financial Statements in this report. (2) During the years ended December 31, 2019, 2018 and 2017, the Company recorded $337.3 million, $326.2 million, and $114.0 million, respectively, of pre-tax expenses, net of cybersecurity insurance recoveries, for costs related to the 2017 cybersecurity incident. Costs related to the 2017 cybersecurity incident are defined as incremental costs to transform our information technology infrastructure and data security; legal fees and professional services costs to investigate the 2017 cybersecurity incident and respond to legal, government and regulatory claims; as well as costs to provide free product 32 and related support to consumers. For additional information, see Note 6 of the Notes to the Consolidated Financial Statements in this report. (3) During the fourth quarter of 2018 and the first quarter of 2015, we recorded a restructuring charge of $46.1 million and $20.7 million, respectively, all of which is recorded in selling, general, and administrative expenses in our Consolidated Statements of (Loss) Income. These restructuring charges primarily relate to a reduction in headcount to support the Companys strategic objectives and increase the integration of our global operations. For additional information, see Note 11 of the Notes to the Consolidated Financial Statements in this report. (4) The Tax Cuts and Jobs Act of 2017 (Tax Act), as signed by the President of the United States on December 22, 2017, significantly revised U.S. tax law. The legislation positively impacted the Companys ongoing effective tax rate due to the reduction of the U.S. federal corporate tax rate from 35% to 21%. The Tax Act made major changes to the U.S. international tax system. Under previous law, foreign earnings were subject to U.S. tax when repatriated to the U.S. Under the Tax Act, foreign earnings are generally exempt from U.S. tax. Additionally, there is a one-time deemed repatriation tax on undistributed foreign earnings and profits. The Tax Act imposes other U.S. taxes on global intangible low taxed income and base erosion anti-abuse transactions. Other significant changes included limitations on the deductibility of interest expense and executive compensation, and repeal of the deduction for domestic production activities. As a result of the Tax Act, the Company recorded adjustments totaling a net tax benefit of $48.3 million in the fourth quarter of 2017 to provisionally account for the estimated impact. Refer to Note 7 of the Notes to the Consolidated Financial Statements in this Form 10-K for additional information. We also prospectively applied the provisions of ASU 2016-09 Compensation - Stock Compensation (Topic 718), related to the recognition of windfall tax benefits in the Consolidated Statement of Income which resulted in the recognition of $26.7 million of tax benefits for the year ended December 31, 2017. (5) In the first quarter of 2016, we completed the acquisition of 100% of the ordinary voting shares of Veda Group Limited (Veda) for cash consideration plus debt assumed of approximately $1.9 billion. For the year ended December 31, 2016, we recorded $40.2 million ($28.2 million, net of tax) for Veda acquisition related amounts. Of this amount, $30.1 million relates to transaction and integration costs in operating income, $9.2 million is recorded in other income and is the impact of foreign currency changes on the transaction structure, including economic hedges, $0.2 million is recorded in depreciation and amortization, and $0.7 million is recorded in interest expense. (6) During the second quarter of 2015, the management of Boa Vista Servicos S.A. (BVS), in which we hold a 15% cost method investment, updated the financial projections of BVS. The updated projections, along with the continued weakness in the Brazilian consumer and small commercial credit markets were considered indicators of impairment. As a result of these changes, and the associated near-term changes in cash flow expected from the business, we recorded a 46.0 million Brazilian Reais ($14.8 million) impairment of our investment.