Experian Business Information Services Wendy Smith Business Development

Experian Business Information Services Wendy Smith – Business Development Manage, Professional & Advisory Markets March 2010 © Experian Limited 2007. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other product and company names mentioned herein may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian Limited. Confidential and proprietary.

Agenda § Introduction § Objectives from meeting The Corporate Finance Network / Experian § Quick overview of Business Information, and what we do § Summary of information services so far § Overview of Filed Returns § Overview of Experian Delphi Score § Overview of Financial Stability Upgrade module § Overview of Experian Authenticate & Authenticate Pro § Questions & Next Steps © Experian Limited 2007. All rights reserved. Confidential and proprietary. 2

Objectives of Meeting – The Corporate Finance Network / Experian § To give a brief overview of the Experian services available to The Corporate Finance Network § Understand the appetite for these services in order to get best possible price for member firms § Next stage will be to put package together similar to that for Corpfin so individuals firms can select the services they require © Experian Limited 2007. All rights reserved. Confidential and proprietary. 3

Overview of Experian Business Information • Global Company Data • 52 M Company Records • 400 M Document Images • Experian Delphi Risk Score • M&A Deal Database • Credit Risk Analysis • Authentication • Debt recovery • Business & Consumer Credit Risk Score • Automated Application Processing • Sales Ledger Analytics Company Information Credit Risk Consumer Data AML Regulatory Risk © Experian Limited 2007. All rights reserved. Confidential and proprietary. • Commercial Risk • Reputational Risk • Institutional Compliance Transformation 4

Summary of Services so far §Company. Query UK, Republic of Ireland Ltd Company Information UK Non-Ltd Company information §Corpfin. Worldwide UK, European or International M&A information © Experian Limited 2007. All rights reserved. Confidential and proprietary. 5

Summary of Filed Returns - Full image bank of UK & Republic of Irelands company documents § Search by Company Name or Registered Number Document Filed Returns Image Store Request PDF Or TIF DOCUMENT IMAGES Document delivery Accounts Change of Name Documents Change of Registered Address Annual Returns Mortgage Documents Capital Documents Incorporation Documents Director or Secretary Documents © Experian Limited 2007. All rights reserved. Confidential and proprietary. 6

Benefits Time Saving § All in one interface, no need to go to Companies House direct § Fast delivery interface Reporting § Monthly usage statement including Date; Project; Company Id; Name; Document Id; Document Type; Year Cost Saving § Pre-paid allocations offer significant discounts of up to 50% dependent of volume committed to by the member firms (50 p per document) © Experian Limited 2007. All rights reserved. Confidential and proprietary. 7

Overview of Experian Delphi Score Specific variables within scorecards are highly predictive: • Average current days settlement beyond invoice terms • Consumer scores of director (where use permitted) • Analysis of payments compared to the industry ave. • Insolvency events reported in Gazettes • Unpaid invoiced accounts • Recent increase in credit applications • Payment trends • Lateness of filing of financial statements • County court judgements • Poor financial results • County court judgements in associated companies Experian capture this data daily Scorecard points deduction early alert Score captured in real time so utilises most up-to-date information, unlike some competitors Experian factoring relevant analysis on a daily basis to ensure scorecard saliency © Experian Limited 2007. All rights reserved. Confidential and proprietary. 8

Detailed Business Risk Report – Traffic Lights © Experian Limited 2007. All rights reserved.

Benefits § Measure of financial strength of UK businesses § Includes predictive elements such as payment performance data § Includes blended director consumer data* § Not reliant on aged filed financials § Not reliant on filing exemptions © Experian Limited 2007. All rights reserved. Confidential and proprietary. 10

Summary of Financial Stability Module- Company. Query incorporating Experian Delphi Risk bands/Payment performance Commercial Delphi credit risk band information Understand a company’s financial strength and stability Payment performance DBT band information Identify companies in financial distress Payment Performance Data Summary • Experian has relationships with c 6, 5000 UK companies from which it derives payment data on all their clients. • This shows trends in terms of the speed of payment by companies across the UK. • Changes in payment performance is one of the most predicative elements that shows changes in business performance. • This can help to identify businesses showing the first signs of financial distress • This can provide payment performance peer analysis for Audit clients © Experian Limited 2007. All rights reserved. Confidential and proprietary. 11

The payment performance profile for LDV Group, who went into administration in June 2009 The top line (Company) shows the deterioration of their payment (Days Beyond Terms) compared to the Industry Average in the line below. Trend Jul 08 Aug Sep 08 08 Oct 0 Nov 8 08 Dec 08 Jan 09 Feb 09 Mar 09 Arp 09 May 09 Jun 09 Company 10 12 16 29 45 64 64 68 72 77 83 92 INDUSTRY 19 20 21 21 21 19 20 19 19 19 18 18 Functionality of Company. Query module enables the user to identify businesses at these first signs of cash flow problems © Experian Limited 2007. All rights reserved. Confidential and proprietary. 12

The payment performance profile for INTERNATIONAL TUBULAR SERVICES LIMITED The top line (Company) shows that their payment (Days Beyond Terms) is much lower compared to the Industry Average in the line below. Trend Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul 08 08 08 09 09 Company 0 0 3 8 12 13 11 9 8 6 6 5 Industry 19 21 22 22 21 21 21 Functionality of Company. Query module enables the user to identify Peer businesses to your audit clients and make recommendations on credit terms. © Experian Limited 2007. All rights reserved. Confidential and proprietary. 13

Benefits • Searchable Risk and Payment data • Identify companies at risk by sector / geography / size / auditor • Identify companies with changes of both and risk assessment Applications to • Corporate Recovery / Turnaround • Corporate Finance • Audit • Credit Control © Experian Limited 2007. All rights reserved. Confidential and proprietary. 14

Summary of Authenticate Plus - Functional Overview § Name, address & DOB – minimum requirements New Application QAS Address Capture & Verification Authentication Service Decision, Score & Warnings Credit Searches Shared Credit Accounts Full Electoral Roll Mortality Files Previous Credit Applications Telephone Subscriber Lists CIFAS Postal Redirections © Experian Limited 2007. All rights reserved. Confidential and proprietary. 15

The industry standard is that an AML tool should utilise a wide range of data sources, particularly that from credit reference agencies. Experian Bureau Data § § CAIS (Credit Account Information Sharing) ECAPS (Extended Credit Application Previous Searches) ER (Electoral Register) PIF (Public Information File) 420 m records 180 m records 46 m individuals 6 m records Additional Data Sources § § § BT Telephone Database Mortality File Royal Mail Redirect Address Links Sanctions & Politically Exposed Persons File 15 m numbers 5 m records 2 m addresses 330 m records 41 k records TOTAL © Experian Limited 2007. All rights reserved. Confidential and proprietary. > 1 Billion Records 16