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About Experian

Apr 12, 2017

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Slide 1

Learn more about Experianand what I do for a livingJune 2012

2012 Experian Limited. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other products and company names mentioned 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 prior written permission of Experian Limited.Experian Public.

#2012 Experian Limited. All rights reserved.Experian Public.In this presentation we provide material on Experians global business, strategy and financial results for FY12.

We intend this to overlay and complement regionally-focused communications.

The presentation is aimed at helping our people better understand our global business and gain a greater sense of engagement with Experian globally.

The material in this presentation is publicly available and can therefore be used to support external as well as internal communications, for example:

Employee communications

Client communications

Supplier communications

In support of acquisitions

1

Our businessAn overview of Experians global business

2012 Experian Limited. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other products and company names mentioned 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 prior written permission of Experian Limited.Experian Public.

#2012 Experian Limited. All rights reserved.Experian Public.

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Our businessSnapshot of Experian

Revenue: US$4.5 bnEBIT: US$1.2 bn Market Cap*: 9.0 bnIn top 50 of FTSE-100Employees: c. 17,000Offices in 44 countriesLargest markets: US, Brazil, UKCorporate headquarters: DublinFor the year ending 31 March 2012* At 10 May 2012Leading global information services company,providing data and analytical tools to clients around the world

#2012 Experian Limited. All rights reserved.Experian Public.We are a leading global information services company.

Our business has annual sales of around $4.5bn. In the year to March 2012, our last reported year, we delivered profits of almost $1.2bn.We have offices in 44 countries and deliver services to clients in many more countries around the world.Our headquarters are in Dublin, Ireland and our three largest operating centres are in Nottingham (UK), Costa Mesa (California - US) and Sao Paulo (Brazil).Our shares have been quoted on the London Stock Exchange since October 2006, when we demerged from GUS

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Share price performanceExperian vs. FTSE 100 and competitorsSource: BloombergFrom demerger to 31 May 20121 Average of Equifax, FICO and Dun & Bradstreet share prices rebased to ExperianShare Price - pence (rebased to Experian)Experian

Average competitors

+62%+9%-11%FTSE-100

#2012 Experian Limited. All rights reserved.Experian Public.This chart shows the Experian share price versus the FTSE-100 and the average share price of three of our main listed competitors (which are Equifax, Fair Isaac and Dun & Bradstreet).

Experian is in blue, the FTSE-100 is in green and the average of our competitors is in brown

Overall, since the demerger in 2006, the Experian share price has grown by 62%

And since January 2009, Experian shares have steadily outperformed both the FTSE-100 and our competitors. This has been due to the strength of the Groups financial performance and as it delivers on its growth objectives.

[SPEAKER NOTE THIS CHART IS CURRENT TO JUNE 2012. PLEASE CONTACT INVESTOR RELATIONS FOR THE LATEST UPDATE]

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Ranking by market capitalisationWhere do we rank in the FTSE 100?

RankingCompany35Antofagasta36WPP37Associated British Foods38Fresnillo39Pearson40Experian41BAE systems42CRH 43Aviva44ARM Holdings45Old Mutual

Source: BAML, 30 May 2012

#2012 Experian Limited. All rights reserved.Experian Public.This slide shows Experians ranking in the FTSE-100. [The FTSE-100 is an index of the top 100 companies (by market size) on the London Stock Exchange].

Experian is ranked in the top half of the index, at number 40, with a market capitalisation of around 9bn [at c. 900p share price].

[SPEAKER NOTE THIS CHART IS CURRENT TO JUNE 2012. PLEASE CONTACT INVESTOR RELATIONS FOR THE LATEST UPDATE]

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Our businessMarket leader with unparalleled global reach and range

More than double the size of nearest competitor, broader range55%67%*33%77%* 23%80%86%*3,00005003,5002,0004,0002,5001,0001,500Global revenue US$m

Other regionsNorth America

ExperianEquifax47%53%D&BAcxiomFICO1,13016203

63%*37%

71%1,759229%4,4851

81%1,960219%

86%*14%

1,024221%79%*TransUnion4,500*US only. Source: Latest full year revenue, company SEC filings

1Year ended 31 March 20122Year ended 31 December 2011

3Year ended 30 September 2011

#2012 Experian Limited. All rights reserved.Experian Public.This chart shows our sales globally compared to our peers.

We are the global leader in our field.

We are more than twice the size of our next largest peer.

We generate just over half of our sales outside North America, making us far more international than our competitors - a point that is important both for serving global clients and seizing new opportunities to grow.

Furthermore, our market lead has grown and extended over the past three years.

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Our businessHow our global revenue splitsCredit Services 47%Decision Analytics 11%Marketing Services 21%Consumer Services 21%

Diverse portfolio by geography, business line and customer segmentBy customer segmentFinancial services 32%Direct to consumer 21%Retail 14%Other 14%Public Sector/Education AutomotiveInsurance Telecoms /UtilitiesMedia 2%5%3%4%5%By business lineBy regionEMEA/Asia Pacific 14%UK & Ireland 18%North America 47%Latin America 21%

#2012 Experian Limited. All rights reserved.Experian Public.We provide information, analytical tools and marketing services to organisations around the world.

We report across four geographic regions (although we run the business across five). Our regions are

North America which is just under half of the business. Latin America now 21% of our business.UK and Ireland now 18%.Europe, Middle East & Africa and Asia Pacific, which combined now make up 14% of our business.

Our business activities are grouped into Credit Services, Decision Analytics, Marketing Services and Consumer Services business lines:

Credit Services makes up just under half of our business and provides software, tools and consulting to turn data into actionable decisions.

Decision Analytics is 11% of our business and enables clients with large customer bases to manage and automate large volumes of day-to-day decisions.

Marketing Services is 21% of our business and helps clients to target and engage customers effectively, while delivering improved return on investment.

Consumer Services is also 21% of our business and enables consumers to monitor the accuracy of their credit report online, to check their credit score and protect themselves against identity theft.

We also have a wide spread of clients, with revenue from our top 10 clients accounting for just under 10% of the business, and our top 50 clients accounting for just over 20% of revenues.

Vertical splitWe serve many thousands of clients around the world in a range of industry sectors

Just under one third of our revenue is from clients in Financial Services

And about 20% of our revenue comes from consumers, the balance comes from a diverse range of industries including retail, automotive, telecoms and utilities, insurance, public sector and media.

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Our businessSeven year performance trendGlobal continuing revenue and EBIT only. EBIT margin excluding FARES. Operating cash conversion adjusted to exclude FARES. FY06 to FY10 EBIT adjusted to exclude FARES (discontinued operation). FY06 and FY07 revenue and EBIT adjusted to exclude MetaReward. FY07 and FY08 revenue and EBIT adjusted to exclude Loyalty Solutions. FY08 and FY09 revenue and EBIT adjusted to exclude French Transaction Processing business and other smaller discontinuing activities. FY10 and FY11 revenue and EBIT adjusted to exclude small discontinuing activities. FY11 and FY12 revenue, EBIT and operating cash conversion adjusted to exclude the comparison shopping and lead generation businesses that are held for sale.Revenue and EBIT growth shown at constant FX rates. Benchmark PBT growth shown at actual FX rates.* At constant exchange rates.

FY06FY07FY08FY09FY10FY11FY123,4073,7123,7903,8033,859747

848

896

932

991

2,930616

1,175

4,485

EBIT margin(direct business)Operating cashconversion21.9%100%22.8%99%23.6%101%24.5%100%25.7%98%Organic revenue growth21.0%102%26.2%96%8%4%3%2%8%12%10%Revenue US$m

EBIT US$m

Financial objectives:Mid-high single digit organic revenue growthMaintain or improve marginConvert at least 90% of EBIT into operating cash

#2012 Experian Limited. All rights reserved.Experian Public.Financially our business is very strong.This chart sets out our performance trends over the last 7 years.

SalesThe red-line shows our total revenue in US dollars.

During a period that encompasses the financial crisis and recession, weve averaged 7% organic sales growth per annum, and virtually doubled our profits.

And recently we were very p