© 2010 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 may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified,

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Wanna know what I do for a living?

Here’s a brief overview…

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Here’s who my clients typically are…

Automotive

Banking

Credit card

Credit union

Insurance

Internet Merchants

Leasing

Mortgage

Public sector

Retail finance

Telecommunications

Utilities

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Source: 2009, Tower Group Research Study

My client’s top priorities in today’s market

Improving Analytics

Protecting portfolio

profitability

Managing increasing

delinquencies

+

+

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How we help our clients…

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My company is ExperianHere’s how we compare to our main competitors

3,000

0

500

3,500

2,000

4,000

2,500

1,000

1,500

Glo

bal

rev

enue

US

$ m

illio

n

77%

Experian Equifax

55% 80% 85% 91% 67%

33%

9%15%

45%

D&B Acxiom Harte-Hanks

Fair Isaac

1,7261,936

1,384

745

23%

3,821

20%

1,083

International

North America

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Overview of ExperianA top performing company on the London Stock Exchange

Totalgrowth

FY05 FY06 FY07 FY08 FY09

+30% +14% +14% +8%

FY05 FY06 FY07 FY08 FY09

+28% +15% +13%

21.0%21.9%

22.8%

20.0%

Our Vision

Sales Growth $m

EBIT $m and margin

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Our core competencies

75 scientists andanalytical consultants (in North America)

Full range of analytics to manage credit risk and fraud as well as optimize key P&L drivers

World-class data interpretation, modeling and optimization expertise

So

ftwa

re

Robust decisioning and services

• Origination• Customer / portfolio

management• Collections

Industry-leading optimization

Flexible platform for enterprise-wide decision making

Authenticate consumers at point-of-sales (i.e., Internet)

Monitor and detect application and early account fraud

Create positive customer experience

Automate review process

Meet compliance requirements

Across your entire book of business – Consumer, Small Business and Commercial

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What sets us apart

Flexible software

Better access to data

Deeper insight and

knowledge

Expert strategy

design and optimization

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Case Study:Fraud screening during online DDA account opening

Business objectives: ► Integrate instant, online fraud screening into

DDA account opening process to improve customer experience and reduce costs

Solution:► Precise ID for fraud screening adopted in multi-phased approach

Results:► Outperformed competitive solutions – identifying 82% fewer false

positives on high value accounts, ► Increased fraud detection and risk mitigation with more detailed and

robust fraud indicators provided► Improved customer experience► Reduced costs while auto-approving more applications► Over $2 million in estimated savings from operational efficiencies – not

including benefits from improved fraud detection

Top Ten Retail Bank

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“According to George Lennox, senior manager group credit and risk at HSBC, [Experian’s Strategy Management] was chosen after an extensive vendor evaluation that led to HSBC’s incumbent primary provider Fair Isaac being displaced”

“The new software will be implemented in all HSBC businesses”

“Once fully implemented, HSBC expects Strategy Management to make more than 50 billion customer decisions annually”

“HSBC had been utilizing Fair Isaac’s StrategyWare system since 1996 and it was in place within HSBC in 42 countries”

“HSBC had short-listed three vendors: Fair Isaac, Experian and CGI/AMS, and spent an entire year in the evaluation process”

In the end, “… Strategy Management was clearly better, concluded Lennox”

Case Study:HSBC’s global decisioning (from Bank Marketing International)

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Business objectives:► Sharpen collections strategy management

capabilities – with minimal capital outlay► Leverage Experian data storage

Solution:► Robust templated solution – Portfolio Management Package – with

integrated analytics, strategy design / decisioning, reporting and consulting solution

► Hosted solution requiring low in-house investments or resources

Results:

Implemented and continuously improved use through best practices consulting and professional services

► Collection staffing reduction of 25% while increasing portfolio size 72%► Delinquency rates improved by 26%► Cumulative savings of $3 million over five year period

Case Study:Decreasing the cost of collections

Captive Automotive Finance Provider

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Call to Action

What is your organization doing today to address its biggest pain points?

How can we partner with you to address these needs?

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Thanks for listening!

If there’s anything I can do to help you organization, too, let me know…

Roberta Scherbarth

Experian Decision Analytics Sales

Costa Mesa, California

714 830 7857

That’s me at a baseball game

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