Introduction to global Experian 2010 Our business Experian

Introduction to global Experian 2010

Our business Experian – a snapshot § § § § § Sales: $3. 9 billion Profits: $910 million Market cap: £ 6. 7 billion In top 50 of FTSE-100 Net Debt: $1. 6 billion Employees: c. 15, 000 Offices in 40 countries Largest markets: US, UK, Brazil Corporate headquarters: Dublin Main offices: London, Costa Mesa (US), Nottingham (UK), Sao Paolo (Brazil) As at 31 March 2010 Profits is Benchmark PBT 2

Our business We are the global leader 4, 000 3, 8591 Other regions 3, 500 Global revenue US$m North America 3, 000 2, 500 47% 1, 8252 2, 000 19% 1, 500 1, 6872 23% 22% 1, 000 1, 2773 14% 8602 9% 10% 500 0 6314 33% 32% 53% 55% 81% 80% 78%* * 77% 86%* * 86% 90%* * 91% 68%* * 67% Experian Equifax D&B Acxiom Harte. Hanks FICO 1 2 3 4 Year ended 31 March 2010 Year ended 31 December 2009 Year ended 31 March 2009 Year ended 30 September 2009 Source: Latest full year revenue, company 10 K * US only 3

Our business Our customers and clients Other 10% Retail 14% Direct to Consumer 19% Public sector/ education 5% 5% 5% 3% 3% Financial Services 36% Telecoms/ utilities Automotive Insurance Media § Adapt and repurpose Experian data and analytics § Invest in scale markets § Emerging markets § Public sector § Telecoms § Utilities § Healthcare Strong track record of delivery from new verticals 4

Our business Financially we are strong Revenue US$m 2, 930 3, 407 3, 712 Profit US$m and margin 3, 790 3, 859 Total growth +14% +8% +2% Organic growth +8% +4% +3% +2% 685 808 902 944 996 +15% +13% +8% +6% 22. 8% 23. 6% 24. 4% 21. 9% 21. 0% FY 06 FY 07 FY 08 FY 09 FY 10 FY 06 FY 07 Global continuing sales and EBIT only Growth at constant exchange rates and for continuing activities FY 08 FY 09 FY 10 Profit Margin EBIT margin excluding FARES FY 06 and FY 07 sales and EBIT adjusted to exclude Meta. Reward. FY 06, FY 07, FY 08, FY 09 and FY 10 sales and EBIT adjusted to exclude UK account processing, FY 07 and FY 08 sales and EBIT adjusted to exclude Loyalty Solutions, FY 08 and FY 09 sales and EBIT adjusted to exclude French transaction processing activities and other smaller discontinuing activities, FY 10 sales and EBIT exclude small discontinuing activities 5

Further information on our business

Our business Credit Services Provides information to organisations to help them lend profitably to their customers Our expertise We build and manage large databases of credit applications and payment histories of consumers and businesses What do we do? We help clients manage risk associated with lending money, e. g. who to lend to, set appropriate lending limits and take action on overdue accounts What’s in the data? Credit reports can include identity information, past and present credit obligations, court judgements, suspected fraudulent applications and previous addresses Who are the clients? Typically, banks, mortgage providers, credit card providers, telecommunications, insurance, government and utilities Other activities We also operate specialist databases for the automotive sector Main competitors Consumer – Equifax, Trans. Union Business – Dun & Bradstreet 7

Our business Credit Services – 43% of Group revenue Snapshot Overview Credit application and payment history data on consumers and businesses: Clients Key points Vital statistics § 16 consumer credit bureaux globally § on c. 500 m consumers § 12 business credit bureaux globally § on c. 40 m businesses § Automotive information in US, UK, Holland Italy Financial services, telecoms, utilities, insurance, government, automotive dealers and others Products Credit reports to target new customers, underwrite new loans, manage account portfolios and collect on overdue loans Business model § Transactional § Volume-tiered pricing § Habitually recurring revenue Vehicle history information and accident data 8