What I do for a living

© 2011 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are 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. Experian Public.

Experian Consumer Services & Decision Analytics

Overview

© 2011 Experian Information Solutions, Inc. All rights reserved.Experian Public. 2

Agenda

Global Experian

Strategic priorities

Business overview

Client best practices

Global Experian



Global Experian A company with local competencies and local clients

Corporate fact sheet

• Approximately $4 billion in revenue

• 15,000 employees in 40 countries

• Clients in 90 countries

• Traded on the London Stock Exchange (EXPN)

• Corporate headquarters in Dublin

• Operating headquarters in Costa Mesa, Sao Paolo, and Nottingham

Argentina China Greece Monaco South AfricaAustralia Costa Rica Hong Kong Morocco South KoreaAustria Czech Republic India Netherlands SpainBelgium Denmark Ireland New Zealand SwedenBrazil Estonia Italy Norway TaiwanBulgaria Finland Japan Poland TurkeyCanada France Malaysia Russia United KingdomChile Germany Mexico Singapore United States


Experian: A global leader in providing information, analytical tools and marketing services to organizations and consumers

Consumer Information Services

Decision Analytics

Business Information Services

Automotive

Marketing Services

Interactive

Key business groups

For our people, data

and technology to

become a necessary

part of every major

consumer economy

around the world

Vision

Global consumer, business, and auto data access and understanding

Cultural commitment to accuracy and Capital Markets expertise

Deeper insight into consumer and business credit risks and trends

Robust analytics and risk prediction at borrower and portfolio levels

What sets us apartCompetitor comparison


Cataloguepurchasing

habitsc. 110m

householdsin the U.S.

Our core competencies

Should weextend credit to this business?Should we

loan moneyto this consumer?

Should I send this consumer

an offer?Should I finance this

vehicle?

Should I pay on this claim?

Should I offer my products to this consumer?

How well is my Website

performing vs. my competition?

Data

Internettraffic data

Daily analysisof how more than 25m consumersuse the Internet

Automotive Data

c. 650mvehicles in

the U.S. and Canada

Insurancedatabases

c. 25mpolicies in

the UK

Consumermarketing

c. 260mhouseholds

globally

Consumercredit

500m+consumers

globally

Businesscredit

c. 40m businesses

globally

Intelligence


Experian GroupBusiness split

Diverse portfolio by geography, business line and customer segment

Revenue for the year to 31 March 2011

Consumer and business data and analytics



Consumer Information Services

Offices in 16 countries worldwide – Brazil, Bulgaria, Denmark, Estonia, India, Ireland, Italy, Morocco, The Netherlands, Norway, Russia Singapore, South Africa, UK and U.S.

628 U.S. employees U.S. offices in CA, IL, DE, NY and TX

Global presence

Over 19,500 clients

Retailers, collection agencies, banks, mortgage providers, credit card providers,telecommunications, insurance, government and utilities

Clientprofile

Credit application and payment history data on 220 million U.S. consumers

Utilizing data and decisions to target new customers, underwrite, manage accounts and collect

Specialty

Building and managing large databases of credit applications and payment historiesof consumers

Providing information to organizations to help them manage risk and lend profitablyto customers

Valuedrivers


Decision Analytics

More than 1,600 total employees

40 offices in 30 countries worldwide

U.S. offices in CA, IN, GA and TX

Global presence

Over 1,500 clients in 60 countries

Prospecting, credit origination, risk management, fraud detection and compliance

1,500 installations of industry-leading strategy management and decision automation solutions – over 500 ASP-hosted clients

Clientprofile

Specialty

Bringing clarity to complex data

Leveraging data to predict future outcomes

Connecting decisions across the Customer Life Cycle

Providing tools and consulting for ongoing reporting and continuous improvement

Valuedrivers

Data intelligence and analytics

Decision design, management and optimization

Decision-centric technology solutions

Consumer

Small business

Commercial


Business Information Services

More than 600 employees in the U.S. and U.K. Offices in 11 countries worldwide – Brazil, China, Denmark, Estonia, Ireland, Italy,

Norway, Singapore, South Africa, UK and US U.S. offices in CA, NY, IL

Global presence

Over 23,500 clients in the U.S. and U.K. Financial services, trade credit, telecom, insurance, government, small businesses

and others

Clientprofile

Data on 61.9 million businesses Industry experts on small and mid-sized businesses Blended business and business owner data Application reviews, portfolio management and analysis, decisioning and scores,

fraud risk, collections. Business Direct product line.

Specialty

Providing industry-leading access to data and analytics

Differentiating offerings by linking and blending business and consumer data

Owner to business linkage coverage

Valuedrivers


Automotive

More than 200 total employees Operating in eight countries worldwide – Brazil, Canada, China, Ireland, Italy, Mexico,

The Netherlands, UK and U.S. $250 million global sales spanning 60 countries U.S. offices in CA, IL, MI, TX, NJ, FL and VA

Global presence

Over 25,000 total clients

Manufacturers, dealers, aftermarket, remarketers, online portals, finance and insurance companies, marketers and consumers

Clientprofile

Specialty

Helping automotive clients to increase customer loyalty, target and win new business and make better lending and vehicle purchase decisions

Valuedrivers

Data on vehicle registrationsand vehicle history

Bring the power of the entire rangeof Experian solutions to the autoindustry

Market share reporting Vehicle history reporting Customer and loyalty analysis Prospect targeting Customer data management


Limit fraud losses Reduce operational costs Maintain a positive customer experience

Fraud detection and management

Reduce charge-offs Improve operational efficiencies Increase recoveries

Collections

Maximize customer value Improve retention Increase revenue Reduce credit risk Reduce fraud risk

Customer management

Penetrate new target markets Improve response rates Increase application volume

Prospecting

Increase approval rates Increase activation and “take”

rates Improve operational efficiency Maximize customer share-

of-wallet Reduce credit risk Reduce fraud risk Minimize attrition

Acquisitions

Experian addresses needs across the Customer Life Cycle


Strategic priorities and differentiation

Our focus:

Invest in data, analytics and technology to build best in class products and services...

... Deliver compelling value propositions through dedicated sales

and marketing experts.

Verticalmarket focus

Data

Analytics

TechnologySales excellence


Experian Premier ProviderWe have redefined the industry standard

Sales and client service support

Best-in-class sales teams, consultation, and client service across verticals

Data quality, analytics and decisioning

Robust decisioning capabilities resulting from the highest data quality source and analytics

Breadth of capabilities and innovation

Unsurpassed geographic reach, range of services and commitment to innovation

Data security and accessibility

World-class data steward with 24 / 7 access


DataOur data expands beyond traditional credit data

Clients today require a more complete view of consumers and businesses to make optimal decisions

Clients have relied predominately on traditional credit data to make decisions

Recent credit crisis reveals that traditional credit data alone is insufficient

Broader data provides more predictive outcomes for:

► Identity verification► Fraud prevention► Risk assessment► Customer cross-sell and up-sell► Collections prioritization and debt

recovery

Broader data supports changingunderwriting practices

Stability Wealth

CapacityWillingness

Mortgage data

Rental data

Criminal

Education

Property value

Liquid assets

Checking account / deposit

Core credit data

Non-traditionaltrades / thin files

Public record

Collectionoutcomes

Credit cardtransactions

Income

Employment

Automotivedata


Data asset investmentsCurrent and future

Co

nsu

mer

Co

mm

erci

al

Au

to

*Linking security to loan level data

Current data assets

Credit Public records

Property records

Telephone

Credit Public records

Insurance

Title / registration

Vehicle history

Blended data

Capital markets*

Auto manufacture

Auto accidents

Morocco credit

Russia credit

Visa transaction

Voter ID

Income

Corporate linkage

Mortgage loan data

Healthcare

Recently acquired data

Retail delivery

India credit

Positive data

Prepaid card

EmploymentDebit

Financial assets

Wireless phones

Expanded telcom

Debit

Property values

Future file building


Consumer credit trends in the U.S.

AnalyticsExperian provides valuable insights

Source: Experian/Oliver Wyman Market Intelligence Reports_Q4 2009


TechnologyBuilding new platforms and delivery methods

Example: BusinessIQSM

Commercial data and advanced analytics across the credit cycle available through a single portal

Issues solved Consolidates access for business

products from five portals to one Provides industry-leading capabilities

like custom scoring risk settings, in-depth analysis

Built to exceed competitive offerings

Key capabilities Reports and scores including corporate

linkage and member-only data Scoring with custom risk settings Portfolio management and alerts with

advanced analytics Collections mail campaigns


Vertical markets Delivering compelling value propositions

Expertise Dedicated sales and marketing resources

Products Industry-specific products and services

Best practices Thought leadership and industry advocacy

Lenders

Small & medium

enterprises

Telecom and utilities

Government

Healthcare

Automotive

Collections

Capital markets

Consumer Servicesand Decision

Analytics


Continued emphasis on our future through innovative solutions and acquisitions

2008 – Experian acquired SearchAmerica®, a leader in financial clearing services for healthcare. By combining Experian and SearchAmerica®’s core capabilities, the company will be able to provide healthcare facilities with enhanced information regarding payment likelihood, more comprehensive collections solutions, improved ability to validate patient identity information and more accurate methods to screen for financial aid programs such as Medicaid and charitable programs.

2010 – Acquired RentBureau®, the largest and most widely used credit bureau for the multi-family industry. The acquisition provides Experian with the most comprehensive rental payment database to offer property managers and resident screeners a more accurate and complete picture of renters and their ability to pay. It also offers renters an opportunity to build credit with continuous on-time rental payments.


Customers value our service orientationNet Promoter Score progress

Experian is proactive in their approach to problem resolution. Effectively outflanking their competitors with well though out solutions to future problems... they do not solely focus on the present. Their forward looking veiw-point gives those issuers who hope to stay ahead of trends the opportunity to do so.

“

”Our relationship manager is exceptional! He is a primary reason why we utilize Experian as our primary credit bureau.”

“10.3

16.8

U.S. business-to-business average = 21.5%

31.0%

2007 2008 2009

23.5

27.829.9

2010

30.6

Client best practices



Experian’s data and analytics help clients successfully prospect new auto loans

Experian Solutions

Helping clients return to prospecting with In the Market ModelsSM

Increase efficiency of marketing campaigns to drive new automotive loans

Lower cost of campaigns

Target messages to current members and prospects differently

Client challenge

Prescreen with Auto In the Market ModelSM

Decreased campaign cost by 10% by decreasing number of names mailed

Increased booked loans and achieved 112% of goal

Exceeded client ROI targets by 196%

Success in auto campaigns has led to testing in unsecured products

Experian solutions


Experian’s data helps clients to better monitor, segment and prioritize accounts for collections

A contingency agency that handles credit card debt, auto deficiency and subrogation

Implementing a cost-effective, flexible way to monitor accounts with Collections TriggersSM

Maximize efficiency of account monitoring for collections

Better identify and contact those debtors with the ability to pay

Client challenge

Collection TriggersSM

Increased collections by $3.5 million within two years – a return of $72 for every $1 spent on trigger data

Eliminated manual skip-tracing activities, saving time and money

Improved segmentation to identify debtors with the ability to pay and capture key wallet share

Experian solutions


Experian’s data helps clients locate and collecton past due accounts

Proving to be the right vendor by increasingcollections revenues

Reduce internal operating expenses

Enhance its market position

Segment and prioritize accounts for collections strategies

Client challenge

Collection AdvantageSM

Received up to 20% more hits on possible addresses and phone numbers, with up to 25% greater data accuracy

Collections generated from Experian’s trial accounts were 15% higher than those of the nearest competitor

Increased recoveries in both purchased and contingent debt

Experian solutions


Experian’s data helps identify and link duplicate customer records

A leading multi-state natural gas company

Linking duplicate customer records to collect previously unpaid balances

Keeping track of new customers

Identifying customerswith multiple accounts

Determining which customers neededto pay their final billsand / or which wereconsiderably past due

Client challenge

Experian PINpoint ServicesSM

Collected $1.8 million in previously unpaid balances belonging to the company’s 14,000 customers

Of the bad debt that could be linked to active customers, 57% was recovered in less than 90 days

Experian solutions


Experian’s data and analytics deliver to improve recoveries and reduce risk

Implementing risk management practices quickly and cost effectively

Increase account acquisitions

Reduce bad debt and fraud losses

Deliver a more accurate assessment of creditworthiness

Improve decision-making

Client challenge

Attribute Toolbox™; Strategy ManagementSM; Experian PINpoint ServicesSM; Small Business IntelliscoreSM; Telecommunications, Energy and Cable Risk ModelSM; MetroNet®; Risk TriggersSM; hosted delivery Assessed aggregate data

from the credit bureaus (and other internal and external data sources)

Matched new customers applying for service with bad debt file to ensure payoff prior to new service activation

Experian solutions


Experian’s data and analytics products integrate to meet client’s business challenges

Driving deeper insight and control over lending portfolios

Client needed data and a more holistic account management solution (data and support)

Needed it moderately prices, to fit the budget of a mid-tier bank

Had internal system constraints in that existing solution could not leverage origination data it already housed.

Client challenge

Recently signed a deal for Credit Services Decision Analytics combined product offering delivering both Triggers and QuestSM through Baker Hill® Portfolio Risk Advisor®

Provided data management workflow, joining clients’ origination data with Triggers and QuestSM scores for portfolio management

Experian solutions


Experian’s data and analytics deliver to drive cross-sell revenue without increasing risk

Enhancing decisioning capabilities to drive increased revenue

Drive increased revenue through new acquisitions

Improve effectiveness of decisioning capabilities

Better assess credit risk

Drive more traffic for tax preparation

Client challenge

Experian Credit Profile; Strategy ManagementSM; Premium AttributesSM; custom models; hosted delivery

Developed and implemented new custommodels to identify cross-sell opportunities

Supported champion /challenger functionalityto feed ongoing analysisand assessment of cross-sell program

Experian solutions


Experian Automotive helps clients improve customer loyalty and minimize risk

Helping improvedata quality, reduce client costs and risks

Improve quality of ownership data

Create additional value for Honda and their dealers

Improve levels of customer service

Minimize risks associated with application of their warranty program

Minimize current costs of program administration

Client challenge

Initiate test file and refine based on findings

Provide customized selection of branded titles and provide to Honda monthly

Apply Experian state title brand expertise and stat title brands such as Lemon Law

Review process yearly and provide metrics

Experian solutions


Experian’s data improves client decision-making and operations management

Helping clients make quicker, more accurate decisions to affect the bottom line

Lack of fresh and comprehensive aftermarket data

Need for nationwideinformation and abilityto analyze data invarious market views

Client challenge

Vehicle in Operation data

Obtained fresh data from Experian (seven weeks old vs. ten weeks old)

Able to make quicker and more accurate product development and distribution decisions with updated information

Experian solutions

What I do for a living

Economy & Finance

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