About Experian · About Experian 3 Experian has a Marketing Services presence in major economies around the world, including the UK, US, Germany, France, China and Japan.

About Experian

Experian’s vision is for our people, data and technology to become a necessary part of every major consumer economy in the world.

Our strategy is to develop a global organisation that focuses primarily on core data and analytics. We continually invest in order to grow our business profitably while strengthening and extending our global reach.

Our aim is to use our cash to create value for our clients, our people and our shareholders.

1 About Experian Contents

2 Business and market overview 4 Group strategy 6 Global reach

8 Credit Services 10 Decision Analytics 12 Marketing Services 14 Interactive

16 Revenue mix 17 Revenue and EBIT by geography 19 Revenue and EBIT by principal activity 21 Cost analysis and cash flow

Financials

Our financial performance is reported on a geographical basis across four regions

US$m

Experian is the leading global information services company

Overview

Our products and services are grouped into four global business lines

Business lines

About Experian 2

Business and market overview

Experian provides information, analytical tools and marketing services to organisations around the world. Our clients use these services to manage risk, find and retain customers, and automate decision making. We also help consumers to manage their credit relationships and to minimise the risk of identity theft.

Market position

Experian is the global leader in our industry, with strong market positions. We are more than twice the size of our nearest peer and considerably broader in our capabilities and global reach. This diversity enables us to support clients across many countries, providing competitive advantage, and creates many opportunities for growth in expanding economies.

There is no single competitor that operates across all four principal activities, although Experian does have a number of competitors within each.

Experian is the primary provider of consumer credit information to many financial institutions in the US; the other credit bureaux are Equifax and TransUnion. In the UK and Brazil, we are the clear market leader and we have leading positions in many other countries.

In business information, we are the leading provider in the UK and Brazil, and in a number of other markets. Dun & Bradstreet (D&B) is the only global competitor in this field.

Experian is the market leader in the provision of decision analytics in all geographies other than the US, where Fair Isaac Corporation (FICO) is the market leader. There is also competition in individual markets from smaller, local suppliers.

Business lines

Experian provides data, analytical tools and marketing services to organisations in North America, Latin America, UK and Ireland and EMEA/Asia Pacific.

The Group’s financial performance is reported by geography. Activities in these regions are grouped into four principal activities.

Credit Services

Credit Services enables organisations to manage the risks associated with lending money. We help clients to find new customers for credit, to predict and manage credit risk, and to reduce exposure to bad debt and fraud. We maintain very large, comprehensive databases that hold the credit application and repayment histories of millions of consumers and businesses. In total, we operate 16 consumer credit bureaux and 12 business credit bureaux around the world.

Decision Analytics

Decision Analytics helps organisations with large customer bases to manage and automate huge volumes of day-to-day decisions. Our clients include international banks, utility companies and public service providers, who rely on our predictive tools and sophisticated software to control decision-making at all points of contact with customers.

Revenue by region

UK and Ireland 14%North America 42%

Latin America 32% EMEA/Asia Pacific 12%

Contribution to Group revenue

43%

Revenue by region




11%

About Experian 3

Experian has a Marketing Services presence in major economies around the world, including the UK, US, Germany, France, China and Japan. This enables us to provide marketing solutions to global companies.

In the US, large marketing competitors for traditional direct marketing services include Acxiom and Harte-Hanks. Competition elsewhere tends to be fragmented and specialised.

Experian’s direct-to-consumer, credit information business is the clear market leader in both the US and UK. In the US, competition is provided by Equifax, TransUnion, FICO and other smaller specialists, but we are more than twice the size of any of these competitors. In the UK, competition is provided by Equifax and smaller niche suppliers.

Marketing Services

Marketing Services helps organisations to target and engage customers effectively, improving returns on marketing investment. We maintain extensive geographic, demographic and lifestyle data on consumers and businesses. This information is used in conjunction with advanced analytical systems to enable our clients to understand their customers and execute relevant communications across a variety of channels.

Interactive

Interactive enables consumers to manage and protect their personal credit files, and to make more informed online purchasing decisions. Credit reports are provided directly to consumers, along with credit scores. We also provide online monitoring services that help consumers to protect themselves from identity theft. Our lead generation services help businesses to find new customers over the internet. PriceGrabber helps consumers find the best products at the best price.

19%15%

Competitive positionGlobal revenue US$m

Experian

Equifax

D&B

Acxiom

FICO

Harte-Hanks 860290%* 10%

1,277386%* 14%

1,687278%* 22%

1,825281% 19%

3,859153%

631468%* 32%

North America International

Source: Latest full-year revenue, Company financials1 Year ended 31 March 20102 Year ended 31 December 20093 Year ended 31 March 20094 Year ended 30 September 2009* US only

Revenue by region




19%

Revenue by region

North America 89%

UK and Ireland 11%


27%

Revenue by industry Financial

servicesDirect-to-consumerRetail

Public sector and educationTelecoms and utilitiesAutomotive

Other

36%

19%14%

16%

5%

5%

5%

Revenue by activity

CreditServicesDecisionAnalyticsMarketing ServicesInteractive

43%

11%

19%

27%

Revenue by geography

North AmericaLatin AmericaUK and IrelandEMEA/ Asia Pacific

53%

15%

20%

12%

Top 10 clientsTop 50 clientsAll other

Revenue by client

11%

13%

76%

47%

About Experian 4

Group strategy

Experian’s strategic goal is to grow the business and increase shareholder value by leveraging our global scale, maximising opportunities in new market segments and sustaining our leadership position through constant innovation. Our strategic framework has three elements: focus on data and analytics, drive profitable growth and optimise capital efficiency.

Focus on data and analytics Experian’s core expertise lies in the ownership and operation of comprehensive databases about consumers and businesses. From these we are able to extract significant extra value by applying our own proprietary analytics and software.

Taking control of growth

Optimise capital efficiency Experian is a very cash generative business and we seek to use our cash wisely, in the interests of all stakeholders. Our aim is to use our strong cash flow to reinvest to retain competitive advantage. We will consider acquisitions where they fit with our strategy and meet our financial hurdles and will evaluate additional opportunities for returning surplus cash to shareholders.

We continue to expand our global reach and extend our capabilities into new geographies and new market sectors.

We have launched a new credit bureau in Morocco and have been awarded a licence to operate a bureau in India through a joint venture with seven leading Indian financial institutions. Our credit bureau in Russia has been strengthened with a new joint venture partner, Sberbank. Acquisitions in Germany and Japan have expanded the global reach of Marketing

We are investing in our people and infrastructure to maintain a high performance culture and ensure that we continue to be a great partner to our clients.

We are driving sales excellence by establishing best practice processes for performance management, training and career development. We are investing in new technology platforms to help connect

Innovation lies at the heart of Experian and promotes long-term client relationships.

We are investing in new data to ensure that clients continue to have access to the most comprehensive and up-to-date information to drive their decision making. New data sources include income, employment, property valuations and positive credit data.

Expand global reach

Deliver innovative data and analytics

Execute superior sales and operations

Drive profitable growth Experian’s aim is to drive sustainable, profitable revenue growth through prioritising specific growth initiatives and mobilising our talent around the world.

About Experian 5

Services, while new product innovations and clients wins have increased our presence across a range of fast growing markets.

Many of our products can be adapted and repurposed to enable quick deployment in sectors beyond financial services. This is enabling us to diversify our revenue base by developing opportunities in vertical markets such as the public sector, telecommunications, utilities and healthcare.

the global organisation, enabling us to share expertise and resources more effectively, bring products to market more quickly and better serve our clients around the world.

We are also increasing our focus on new vertical markets within all regions, investing in additional expert talent, and expanding our strategic client programme to drive additional cross-selling.

We continue to invest in ground-breaking new products such as ProtectMyID, the consumer identity theft protection service, and Future Delphi, a risk model combining both credit and macro-economic data to forecast customer risk.

We are also building the next generation of platforms for our global credit bureau operations and decision analytics products, and are making some major investments in our marketing platforms.

About Experian 6

Global reach

All analysis excludes discontinuing activities

Revenue by region (US$m) EBIT by region (US$m) Employees by region (FTEs)

Experian operates in 40 countries and sells to clients in over 90 countries.

ArgentinaAustraliaAustriaBelgiumBrazilBulgariaCanada

ChileChinaCosta RicaCzech RepublicDenmarkEstoniaFinland

FranceGermanyGreeceHong KongIndiaIrelandItaly

JapanMalaysiaMexicoMonacoMoroccoNetherlandsNew Zealand

NorwayPolandRussiaSingaporeSouth AfricaSouth KoreaSpain

SwedenTaiwanTurkeyUnited KingdomUnited States

Countries with Experian offices

Regional profile

77920%

21220%

525%

62859%

3,62324%

3,21821%

5,56136%

2,94019%

16616%

46112%

55915%

2,06053%

North AmericaLatin AmericaUK and IrelandEMEA/ Asia Pacific

About Experian 7

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Credit Services

Consumer bureaux l l l l l t l l l l l t l l

Business information l l l l l l l l l

Automotive databases l l l l l

Decision Analytics

Decision support l l l l l l l l l l l l l l l l l l l l l l

Application processing l l l l l l l l l l l l l l l l l l l l l l

Fraud solutions l l l l l l l l l l l l l l l l l l l l l l

Marketing Services

Data and data management l l l l l l l l l l l l l l

Digital services l l l l l l l l l l l l l l l l l l l l

Interactive

Consumer Direct services l l

Lead generation l

l Service offered t Service offered via third party

Services by country

Major global competitors

Credit Services Decision Analytics Marketing Services Interactive

Information Consumer Direct

Acxiom l

D&B l l l

Equifax l l l

Fair Isaac l l l

Harte-Hanks l

Info Group, Inc l

TransUnion l l l

About Experian 8

Credit Services

Credit Services helps organisations to acquire new customers, to predict and manage credit risk, and to reduce exposure to bad debt and fraud. We maintain very large, comprehensive databases that hold the credit application and repayment histories of millions of consumers and businesses. In total, we own 14 consumer credit bureaux and ten business credit bureaux around the world and have an interest in two additional consumer and two business credit bureaux.

present credit obligations, court judgments, suspected fraudulent applications and previous addresses. The information is used by lenders across the entire customer lifecycle.

Prospecting and originationAt the prospecting stage, where regulations permit, credit reports are used to identify consumers for pre-approved offers of credit. At the application stage, credit reference checks are undertaken to verify the applicant’s identity, assess credit risk and the potential for fraud, and set the terms and conditions of the credit offer.

Account management and collectionsCredit information is also used to drive account management and retention programmes. Changes in a consumer credit report often provide an indication of change in the risk or opportunity presented by existing customers.

Experian’s credit reports also help improve the return on collections processes by optimising collection efforts, locating debtors and confirming and updating contact details.

Business informationExperian maintains information on about 40 million businesses across the world, of all shapes and sizes. We own and operate business credit bureaux in the US, UK, Brazil, China, Denmark, Estonia, Ireland, Italy, Morocco, Norway and South Africa, and have an interest in a bureau in Singapore.

Credit Services provides information to organisations to help them lend profitably to their customers.Experian has developed core expertise in building and managing very large and comprehensive databases containing the credit applications and repayment histories of consumers and businesses. Our clients use this information to manage the risks associated with lending money and to determine, for example, the terms of a credit agreement, whether to offer a loan or issue a credit card and what action to take with an overdue account.

Experian’s expertise in database management has also led to the development of specialist databases and services for the automotive sector.

Consumer informationExperian operates 16 consumer credit bureaux, maintaining information on over 500 million consumers. Our goal as a consumer credit reporting agency is to help lenders make better informed and faster credit decisions through access to detailed historical information about how consumers have fulfilled their credit obligations.

Experian owns consumer credit bureaux in the US, UK, Brazil, Bulgaria, Denmark, Estonia, Ireland, Italy, Morocco, Netherlands, Norway, South Africa and Spain, and has an interest in bureaux in India, Russia and Singapore.

Experian credit reports vary by country, but typically include identification information, past and

Experian’s business information is used by clients to set the credit terms for new accounts and to manage existing account relationships. A typical business report will include a wide range of information, including company’s registration and ownership details, trading addresses, how quickly the business is paying its bills, a credit risk score, court judgments and a history of its financial performance.Our ownership of both consumer and business credit information means that Experian is particularly well positioned to help assess the creditworthiness of small to medium-sized businesses, often the largest and fastest growing segment of an economy. Here the finances of the owners are frequently closely linked to those of the business. By combining personal and commercial credit information in one report, Experian provides a complete picture of the creditworthiness of small businesses.

Automotive informationExperian supplies vehicle history information in the US, UK, China, the Netherlands and Italy to help dealers, finance providers, insurers and consumers understand the risk associated with used vehicles. A vehicle history check can also help establish the market value of a vehicle, the accuracy of the odometer reading and whether or not the vehicle has changed owners, been damaged in an accident, or been imported.

About Experian 9

DEvELOPINg ThE SME MARKETIN LATIN AMERICAOf the 10 million businesses in Brazil, some 99% are classed as small to medium-sized enterprises (SMEs). They employ most of the Brazilian workforce and represent a huge opportunity for further growth and prosperity in the region. For many of these businesses though, access to the type of prospecting and customer management information that larger organisations have come to rely upon, has been a challenge.

Over the past year, Experian has combined many of its capabilities in Latin America into a suite of highly accessible products for the smaller business user. The product range extends from prospecting for new customers to assessing the credit risk of existing customers and managing the collection of overdue accounts. New online and telephone ordering channels have been established, together with a sales team of over 500 people to support sales across the region.

Laercio Pinto, President of Experian’s Consumer and Business Information Services in Latin America, explains: “We have already acquired many thousands of new SME customers as a result of this initiative. It has required investment and a change in culture to address this new market, which will contribute significantly to our own growth in the coming years and to the strength of the SME sector”.

About Experian 10

Decision Analytics

Decision Analytics enables organisations with large customer bases to manage and automate huge volumes of day-to-day decisions. Our clients include banks, utility companies and public service providers, who rely on Experian’s predictive tools and sophisticated software to control decision-making at all points of contact with customers.

client’s acquisition policies. They enable decisions to be delivered in seconds at the point of customer contact, while ensuring that new customers are recruited on terms that meet the client’s business objectives.

Customer managementIn an environment where capital is scarce and where the cost of capital needs to be carefully managed, it is vital that organisations are able to manage the risks and opportunities presented by their customers. Experian provides clients with the insight to make the right decisions for each customer, together with the systems necessary to execute consistent and effective strategies at every stage of the relationship.

Our customer management systems are used to automate huge volumes of day-to-day decisions about risk management, marketing and customer service. Clients are able to design and test new strategies, segmenting customers with similar characteristics and applying scorecards for a range of business objectives. New strategies can be quickly implemented throughout the organisation, often across a branch network or multiple geographies, ensuring consistent and accurate decision making.

Through faster and better informed decisions, and more relevant communications, we help clients to build lasting and profitable relationships with their customers.

Fraud solutionsFraud is a growing challenge faced by many organisations. It might be a credit applicant providing incorrect information to improve their credit

Decision Analytics unlocks the value of Experian’s vast store of credit and marketing information, as well as other data sources, by applying expert consulting, analytical tools and software to convert data into valuable business decisions.

We enable organisations to make accurate and relevant decisions at each stage of the customer relationship; helping them to identify potentially profitable new customers, to segment their existing customers according to risk and opportunity, to manage their loan portfolios and undertake effective collections actions. We also protect organisations by detecting and preventing fraud.

Many of our clients are multinational and use our tools and software to standardise their lending operations around the world, improving strategic control and operational efficiencies, as well as satisfying regulatory obligations.

Application processingConsumers today expect fast decisions for any form of credit application, be it for a credit card, loan or mobile phone connection. They are also much better informed about competitive offers. Experian’s application processing systems enable organisations to balance the requirement for speed and competitiveness with the need for careful risk assessment.

Our systems are used to manage all stages of the credit application process, from capturing and verifying the applicant’s details, to analysing and scoring information about the individual, and implementing the

rating, or a benefit claimant falsely claiming for state support, or a fraudster assuming the identity of a customer to make fraudulent transactions. Experian offers a range of fraud prevention tools that are used by organisations to establish that people are who they say they are and that the information being provided is correct.

Our tools can be integrated with application processing systems to provide instant warnings of potentially fraudulent activity. They highlight inconsistencies and other anomalies within applications, applying logic checks and comparing information against previous applications and known fraud data. We also provide the information needed to verify instantly the identity of existing customers, facilitating secure transactions through call centres and the internet.

CollectionsSuccessfully managing customers who have fallen into arrears and who may be in financial difficulty is a key concern for many organisations. Experian’s analytics and software play an important part in helping them to establish an accurate picture of a customer’s propensity and ability to pay, and therefore the amount likely to be recovered. Customers are segmented into highly-specific types, according to a wide range of variables, to ensure they are managed in the most appropriate way and with the right level of priority. Our collections systems automate many parts of the process, ensuring timely and cost-effective decision making, and minimising the amount of debt that has to be written off.

About Experian 11

The capabilities that Experian has developed to support the financial services marketplace are increasingly being applied to other industry sectors, such as energy, telecommunications and healthcare, as companies seek to gain a better understanding of their customers.

National Grid is an international energy company, delivering power to more than 7.5 million businesses and homes in the US. At the start of the economic downturn in 2008, National Grid saw an unprecedented shift in customer behaviour, with customers who had previously never missed a payment now suddenly behind. It required a new approach to managing past-due customers; one that would enable collections actions to be matched to individual circumstances.

National Grid implemented Experian’s Portfolio Management Package, which uses behavioural scoring to measure the relative risk of customers in arrears and determine the best way to treat each one. Champion/challenger techniques allow these strategies to be constantly tested and refined.

Tracey McCarthy, Vice President, Customer Financial Services at National Grid, said: “When we started this project, we wanted a smart tool. Today we look very smart. More importantly, we are serving our customers better”.

UNDERSTANDINg CUSTOMER bEhAvIOUR AT NATIONAL gRID

About Experian 12

Marketing Services

Marketing Services helps organisations to target and engage customers effectively, while delivering improved return on investment. Experian maintains extensive geographic, demographic and lifestyle data on consumers and businesses. This information is used in conjunction with advanced analytical systems to enable clients to understand their customers and execute relevant communications across a variety of channels.

read, what television programmes they watch, what products they buy, and even how they feel about certain issues. Experian Hitwise is a leading internet marketing intelligence company, which monitors the performance of over one million websites so that marketers can target their online advertising expenditure more effectively and compare their online performance to competitors.

PlatformsExperian provides innovative technology platforms that enable successful marketing programmes to be delivered across a range of media.

Clean, accurate name and address information, together with the ability to integrate data from multiple sources, provide the foundation for successful customer relationships. Organisations across all market sectors rely on Experian’s verification software for recording and validating name and address information at the point of capture. Our list processing services ensure that this contact information is always up to date and accurate, and without duplicate entries. Our customer data integration services enable clients to integrate multiple data sources to obtain a single, accurate view of each customer.

Our email marketing team at Experian CheetahMail is the industry’s largest and most experienced, using innovative and feature-rich technology to enable marketers to create and deliver permission-based emails that are as individual as their customers. Each month, our email marketing platform deploys over two billion emails in over 30 languages to customers all over the world.

Marketing Services helps many of the world’s leading organisations target and engage their customers through sophisticated marketing strategies that generate significant return on investment. We work as a strategic partner with our clients, enabling them to understand their customers more completely, communicate with them on an individual level and measure the marketing impact throughout their businesses.

By focusing on three core areas of excellence – data, analytics and platforms – Marketing Services provides marketers with the insight, technology and expertise they need to build profitable and lasting customer relationships.

DataExperian has developed one of the world’s largest sources of marketing information, with a unique set of proprietary databases. This allows us to provide marketers with exceptional insight into their customers and prospects, across a broad range of important attributes, including demographic, geographic, purchasing and media preference data. By enriching our clients’ data in this way, we enable them to target consumers and businesses with great precision and to develop more effective communications.

We also provide a range of market research services to help clients better understand consumer opinions and behaviour. Experian Simmons, for example, has been the voice of the American consumer for over 50 years, providing marketers with up-to-date information on what magazines their target consumers

Our digital advertising services help marketers and media companies to target audiences through television, internet and mobile channels. We enable marketers to improve their return on digital marketing spend by enhancing advertising effectiveness, website performance and lead conversion, while maintaining strict adherence to consumer privacy standards.

AnalyticsUnderstanding who your best potential customers are and what motivates them provides a powerful competitive advantage. Experian’s aim is to make sure that every customer contact counts, which we accomplish by helping marketers to target the right message to the right buyer through the right channel at the right time.

Our expert statisticians and business analysts use predictive modelling to help marketers profile and segment customers and develop customer-centric, information-driven marketing programmes. We help marketers to pinpoint the attitudes and behaviours of their best customers, predict and test relevant messaging and best offers, identify purchase decision triggers, and craft solutions and roadmaps that deliver measurable results.

About Experian 13

MAKINg Tv ADvERTISINgMORE RELEvANT AND ACCOUNTAbLEThe ability to target potential new customers with the right offers across all types of media is central to Experian’s Marketing Services capabilities. Until recently though, television has lagged behind other media as a means for reaching only the most appropriate consumers.

Experian has been involved in a ground-breaking trial with US cable company, Comcast, to make television advertising more relevant for viewers and more accountable for advertisers. Working with Comcast and major marketers, such as General Motors and Procter & Gamble, Experian segmented viewers into anonymous groups of households, matching relevant advertising messages to each group. Comcast was then able to deliver a range of advertisements within the same commercial break, targeted according to the characteristics of particular households.

The latest trial results have shown that television advertising targeted at defined groups is up to 65% more cost effective, with viewers 32% less likely to switch channels during the commercial break. Andrew Ward, Vice-President of Strategic Initiatives for Comcast Spotlight, commented: “Our trials have delivered terrific results, and represent an important part of the shift in television advertising from one-to-many marketing towards a one-to-few model”.

About Experian 14

Interactive

Interactive enables consumers to manage and protect their personal credit files, as well as to make more informed online purchasing decisions. Experian provides credit reports directly to consumers, together with credit scores and tools for preventing identity theft. We also provide lead generation to businesses by connecting them with consumers over the internet.

It is estimated that about ten million Americans fall victim each year to identity theft, which is now also one of the fastest growing crimes in the UK. Experian’s identity protection services include internet scanning of subscribers’ debit or credit card numbers and the monitoring of address change notifications. We also protect the personal information of children by checking for signs of suspicious activity, such as someone applying for credit or opening accounts in their names. In the event of fraud, we provide access to a dedicated fraud resolution expert, together with insurance against financial loss.

Experian partners with many of the leading online brands to bring our credit monitoring services to the widest possible audience, including MSN, Yahoo! and AOL. Major financial services organisations, such as American Express and Discover Card, also offer our services to their customers.

Our Interactive business provides credit monitoring and other information services to millions of consumers via the internet. We enable consumers to monitor the accuracy of their credit report online, to check their credit score and to protect against identity theft. We also help consumers to make more informed decisions when purchasing products and services online.

Credit monitoring and identity theft protectionExperian provides consumers with secure, unlimited access to their complete credit history in return for a regular monthly subscription. The service allows them to see the same information that lenders use when deciding whether to offer a loan or credit card, including their current credit score. Email or text alerts keep them informed about any significant changes to their credit report. Our subscribers also receive information that helps them manage their credit commitments and are able to seek advice from our credit reference specialists.

Experian is the market leader in this field, both in the US and UK, delivering more than 500,000 credit reports to consumers each month. Our service enables consumers to take control of their credit histories, helping them secure the credit they need in the future and to guard against the growing problem of identity theft.

Connecting consumers to businesses over the internetExperian is a trusted intermediary on the internet, helping consumers to find the most appropriate financial services provider or online educational programme, together with the best deal on millions of consumer products. Our Interactive websites provide this service at no cost to consumers and generate their income from the leads provided to our clients.

LowerMyBills.com connects consumers looking for a home loan, credit card or insurance with companies best suited to their needs. ClassesUSA provides professional adults with access to online educational opportunities, with more than two million people visiting its website each month.

PriceGrabber.com is a leader in online comparison shopping, providing consumers with unbiased information on products, services and merchants to help them make the right choice. It has 26 million active users worldwide.

About Experian 15

Each year, around ten million Americans are the victims of identity theft, one of the fastest growing crimes in recent times. Simply checking your credit report occasionally is no longer enough to guard against the misuse of your personal information.

ProtectMyID.com (PMID), a part of Experian, has been designed to protect individuals from the financial loss and emotional strain that accompanies this crime. Members are provided with daily monitoring of their credit profile across all three US credit bureaux. They are also alerted to address change notifications that might indicate fraudulent postal redirection and their credit and debit card details are searched for daily on the internet for fraudulent use. Experian’s Fraud Resolution Agents are on hand to provide assistance in resolving identity theft issues and the service is backed by PMID’s $1 Million Product Guarantee.

John is one of the nine million people Experian helps today through its credit monitoring and identity protection products: “When I joined ProtectMyID.com I had already experienced identity theft. Since then, I’ve been alerted to additional attempts to steal my credit card. It’s like an early warning system. I should have joined years ago”.

hELPINg PROTECT CONSUMERS FROM IDENTITY ThEFT

About Experian 16

Revenue mix

North AmericaCredit

ServicesDecision

AnalyticsMarketing

Services Interactive

Revenue (US$m)1 693 116 329 922

Percentage of revenue 33% 6% 16% 45%

12 months to 31 March 2010 underlying growth2 (6%) (3%) (8%) 8%1 Revenue is for the 12 months to 31 March 2010 and excludes discontinuing activities2 Growth excludes discontinuing activities and corporate acquisitions

Latin AmericaCredit

ServicesDecision

AnalyticsMarketing

Services

Revenue (US$m)1 538 7 14

Percentage of revenue 96% 1% 3%

12 months to 31 March 2010 underlying growth2 17% (26%) (13%)1 Revenue is for the 12 months to 31 March 2010 and excludes discontinuing activities 2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions

UK and IrelandCredit

ServicesDecision

AnalyticsMarketing

Services Interactive

Revenue (US$m)1 234 193 243 109

Percentage of revenue 30% 25% 31% 14%

12 months to 31 March 2010 underlying growth2 (6%) (8%) (2%) 38%

1 Revenue is for the 12 months to 31 March 2010 and excludes discontinuing activities 2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions

EMEA/Asia PacificCredit

ServicesDecision

AnalyticsMarketing

Services

Revenue (US$m)1 191 125 145

Percentage of revenue 41% 27% 32%

12 months to 31 March 2010 underlying growth2 0% (5%) 8%1 Revenue is for the 12 months to 31 March 2010 and excludes discontinuing activities2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions

About Experian 17

ExperianYear ended 31 March

2010

US$m

2009

US$m

Revenue

North America 2,060 2,059

Latin America 559 462

UK and Ireland 779 843

EMEA/Asia Pacific 461 426

Total continuing activities 3,859 3,790

Continuing activities growth %1 2% 8%

Underlying growth %2 2% 3%

EBIT

North America 628 623

Latin America 166 118

UK and Ireland 212 211

EMEA/Asia Pacific 52 49

Central activities (62) (57)

Total continuing activities 996 944


EBIT margin %3 24.4% 23.6%

1 Growth is at constant exchange rates and excludes discontinuing activities2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions3 EBIT margin excludes FARES

North AmericaYear ended 31 March

2010

US$m

2009

US$m

Revenue

Continuing activities 2,060 2,059



EBIT

Direct business 572 575

FARES 56 48

Continuing activities 628 623


EBIT margin %3 27.8% 27.9%

1 Growth excludes discontinuing activities2 Growth excludes discontinuing activities and corporate acquisitions3 EBIT margin excludes FARES

Revenue and EBIT by geography

About Experian 18

Revenue and EBIT by geography

Latin AmericaYear ended 31 March

2010

US$m

2009

US$m

Revenue




EBIT



EBIT margin % 29.7% 25.5%

1 Growth is at constant exchange rates and excludes discontinuing activities2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions

EMEA/Asia PacificYear ended 31 March

2010

US$m

2009

US$m

Revenue




EBIT





UK and IrelandYear ended 31 March

2010

US$m

2009

US$m

Revenue


Continuing activities growth %1 (1%) 5%

Underlying growth %2 (1%) 3%

EBIT





(continued)

About Experian 19

Revenue and EBIT by principal activity

ExperianYear ended 31 March

2010

US$m

2009

US$m Growth %1

Revenue

Credit Services 1,656 1,604 1%

Decision Analytics 441 486 (7%)

Marketing Services 731 764 (4%)

Interactive 1,031 936 11%

Total continuing activities 3,859 3,790 2%

EBIT

Credit Services 555 513

Decision Analytics 119 140

Marketing Services 86 88

Interactive 242 212

FARES 56 48

Central activities (62) (57)

Total continuing activities 996 944

EBIT margin2

Credit Services 33.5% 32.0%

Decision Analytics 27.0% 28.8%

Marketing Services 11.8% 11.5%

Interactive 23.5% 22.6%

Total continuing activities 24.4% 23.6%

1 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions2 EBIT margin excludes FARES

About Experian 20

Revenue and EBIT by principal activity(continued)

North AmericaYear ended 31 March

2010

US$m

2009

US$m Growth %1

Credit Services 693 730 (6%)Decision Analytics 116 119 (3%)Marketing Services 329 358 (8%)Interactive 922 852 8%

Total continuing activities 2,060 2,059 0%

1 Growth excludes discontinuing activities and corporate acquisitions

Latin AmericaYear ended 31 March

2010

US$m

2009

US$m Growth %1

Credit Services 538 437 17%Decision Analytics 7 10 (26%)Marketing Services 14 15 (13%)

Total continuing activities 559 462 16%

1 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions

UK and IrelandYear ended 31 March

2010

US$m

2009

US$m Growth %1

Credit Services 234 265 (6%)Decision Analytics 193 226 (8%)Marketing Services 243 268 (2%)Interactive 109 84 38%

Total continuing activities 779 843 (1%)


EMEA/Asia PacificYear ended 31 March

2010

US$m

2009

US$m Growth %1

Credit Services 191 172 0%Decision Analytics 125 131 (5%)Marketing Services 145 123 8%

Total continuing activities 461 426 1%


About Experian 21

Cost analysis and cash flow

Experian – cost analysisYear ended 31 March

2010

US$m

2009

US$m Growth %1 2010 2009

Revenue 3,859 3,790 2% 100% 100%Labour (1,511) (1,558) 2% (39%) (41%)IT (191) (151) (27%) (5%) (4%)Data (421) (423) 0% (11%) (11%)Customer acquisition/marketing (469) (421) (12%) (12%) (11%)Other (265) (284) 8% (7%) (7%) Total costs (before central activities) (2,857) (2,837) (1%) (74%) (74%)Central activities (62) (57) (13%) (2%) (2%)

Total costs (2,919) (2,894) (2%) (76%) (76%)

EBIT – direct business 940 896 5% 24% 24%FARES 56 43 16% 1% 1%

EBIT 996 944 6% 25% 25%

Analysis excludes discontinuing activities1 At constant exchange rates

As a percentage of sales

Experian – definition of costsLabour Base payroll, bonus and commission, LTIP, pension, travel, recruitment and trainingIT Computer costs (including depreciation) and telecommunications costsData Data purchased less amounts capitalised plus data amortisation and royalty costsMarketing Customer acquisition costs and advertisingOther Other depreciation, occupancy, legal and professional fees and printing and suppliesCentral activities Finance, treasury and other global functions

Experian – cash flowYear ended 31 March

2010

US$m

2009

US$m

EBIT continuing activities 996 944EBIT discontinuing activities (5) (5)

Total EBIT 991 939Depreciation/amortisation 274 273Loss on sale of fixed assets 1 9Capital expenditure (314) (305) Sale of property, plant and equipment 30 0Working capital (22) 7Dividend from associates, less share of profit (17) (16)Share based payments 33 20

Operating cash flow 976 927

Corporate headquarters

Experian plcNewenham HouseNorthern CrossMalahide RoadDublin 17Ireland

T +353 (0) 1 846 9100F +353 (0) 1 846 9150

Operational headquarters

ExperianLandmark HouseExperian WayNG2 Business ParkNottingham NG80 1ZZUnited Kingdom

T +44 (0) 115 941 0888F +44 (0) 115 828 6341

Corporate office

ExperianCardinal Place80 Victoria StreetLondonSW1E 5JLUnited Kingdom

T +44 (0) 20 304 24200F +44 (0) 20 304 24250

Experian 475 Anton Blvd.Costa MesaCA 92626United States

T +1 714 830 7000F +1 714 830 2449

Serasa Experian Alameda dos Quinimuras, 187 CEP 04068-900Planalto PaulistaSão PauloBrazil

T +55 11 3373 7272F +55 11 2847 9198

Corporate websitewww.experianplc.com

Corporate Responsibility Reportwww.experiancrreport.com

Annual Report 2010www.experianannualreport.ie

About Experian · About Experian 3 Experian has a Marketing Services presence in major economies around the world, including the UK, US, Germany, France, China and Japan.

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