Corporate Responsibility Report 2013 Experian Corporate Responsibility 2013 Introduction

Telling the story We’re especially focused on helping communities achieve their social and of our year economic potential. We’re driven by a desire to achieve more, to create more impact Our emphasis this year has been and in turn to strengthen our business on the growth and evolution of growth and this year saw Experian’s our Corporate Responsibility people take CR to heart in a new way. We’ve seen how social and environmental (‘CR’) programme. issues have the power to engage our people at all levels across the business. See page 4

Supporting the Our strategic focus on new customer segments, product innovation and business strategy geographic expansion is supported by our drive to innovate for social benefit, work CR for Experian is an essential with new sectors in society and strengthen element of our business strategy. the connection between our business and communities in new geographies. See page 8 We set ourselves objectives in each of our key responsibilities and describe our achievements here.

OUR Global From our work with communities to the impact of our products and our Performance developments as a responsible employer, our performance is highlighted by specific Our major achievements for the examples and supported by data in the year are shown in this section. ‘Facts behind the Story’. See page 10

Regional Performance Our regions focus on four areas of performance: the strong links between Our performance is driven by our developments as an employer and regional engagement. Our global our community engagement, our local environmental achievements and our direction is demonstrated here work with consumers at a regional level. by local achievements. Each has a different story to tell but with a global direction running through it. See page 18

The facts: We work hard to improve our data gathering and review processes each data behind the Story year. This section shows the elements focused on our performance from an The data to back up our stories is environment and people perspective. presented here in one section for Our community investment summary ease of reference. can be found in the global performance community section. See page 28 Experian Corporate Responsibility 2013 Introduction 1 Introduction Introduction Overview Introduction 1 Overview 2 CEO Introduction Experian is the leading global 3 Voices information services company, providing data and analytical tools to clients around the world. Telling The Story of Our year Our vision is for Experian’s people, data and technology 4 Telling the story of our year to become a necessary part of 7 Voices of CR every major consumer economy. Telling our of year the story Our 17,400 people are based in offices in 40 countries. Our Global Performance GLOBAL COST PROFILE Our annual sales are US$4.7bn with profits 8 Supporting the business strategy of US$1.2bn. 10 Experian as an employer For more information about what we do, see our global story in our Annual Report. 12 Our work with communities www.experianplc.com/annualreport 13 Our environmental performance

Assurance: 14 how we treat our consumers Our data is assured by PricewaterhouseCoopers LLP. Labour 55% 15 The impact of our products The data sets they include in their assurance are IT 8% and services indicated through the report by a √ symbol. data 12% Their assurance report is set out on page 32 marketing 11% 16 managing data and compliance of this report. Other 12% Central Activities 2% 17 Stakeholder engagement

Strengthening our links Our performance global

Regional performance

18 north America 20 latin America 22 uK and Ireland highlights 24 EMEA Carbon footprint (000’s tonnes, CO ) 2 26 asia Pacific 13 54 26 00.016.8 4.6 Buildings Travel 12 53 27 00.017.7 5.0 CO2 emission per 28 The facts: US$1,000 of revenue 11 56 22 00.018.4 5.3 Data behind the story (kgs) 10 59 19 00.020.1 5.3 CO2 emission per 30 Awards full time equivalent 09 59 20 20.2 5.3

employee (tonnes) performance Regional Where emission factors have changed Experian has applied the most recent factors retrospectively. 2012 restated to remove emissions related to a building in North America on a long-term lease to a third party. Building emissions were previously reported as 56,000 tonnes. Appendices Community investment (US$’000) total value of all giving including employee fundraising 32 Independent Assurance Report 1113 6,073 1112 4,361 34 Reporting principles and methodologies Employee engagement

11 75% 84%

10 72% 84% Experian Group employee engagement Towers Watson Global High Performance Companies Norm1 See our online report at: 1. The Towers Watson Global High Performance Companies Norm is based on over 500,000 employees’ survey results from a cross section of 28 companies. Companies qualifying for this norm meet two criteria: superior financial performance and superior human resources practices. www.experianplc.com/crreport 2 experian Corporate Responsibility 2013 Introduction

CEO Introduction

This was the year when Experian took Corporate Responsibility to heart in a new way.

In May 2012 I was with 150 of our senior Alongside these new developments, leaders at our global management our community teams have continued Previous reports show growth conference in Mumbai, India. their great work, supporting financial We spent a morning in teams looking education and other initiatives in how we’ve laid great at the social issues facing the city. the communities where we live and foundations, defining our Hosted by local partner NGOs we work. Our people are leading classes responsibilities, focusing visited a range of projects to see for in financial education in schools, our community programme ourselves the social context for growth, universities and community centres on where it can make the from young boys scraping a living in in four of our regions and when I watch biggest difference, and Mumbai’s unofficial street economy some of the video footage we have through to the work being carried out captured this year, it makes me very embedding our approach to empower women who earn a living proud to be part of Experian. to Corporate Responsibility picking through the huge refuse tips for I hope you enjoy reading about these items of recycling value. into our everyday business. and the other great things that have But last year I think the big We came back together with a new happened this year. Our focus is already change happened in the resolve to bring Experian’s immense on the year ahead; we want to step hearts and minds of resources and insights to bear on up again. The new Heart of Experian our people. these – and similar – social issues Social Responsibility programme facing communities around the world. powerfully links community fundraising Don Robert Inspired by Mumbai, senior colleagues and volunteering directly with what we Chief Executive Officer volunteered their time to drive our do commercially, to try and tackle the CR work in a number of different root causes of poverty, support small capacities, from looking at how our businesses and make a real difference. products and services can deliver social I look forward to telling you what we benefit, through to finding new ways have achieved in the future. for our people to volunteer for causes of their choice. A significant milestone later in the year was establishing the Heart of Experian Social Responsibility programme, providing a global CR theme for Experian, embodying the Group’s social purpose and community spirit. This is progressing well and it will set the agenda for the years to come. 2 experian Corporate Responsibility 2013 Introduction 3

Introduction Voices

We asked our regional heads for their perspectives on how they see our new emphasis on our social responsibilities. This is what they said:

Victor Nichols Chief Executive Officer, North America “It’s about solving problems. Around the globe, Experian is very committed to being Telling our of year the story a very big part of the solution to the challenges that people face. By sharing our expertise, volunteering our time and energy, and investing in products and services that empower consumers, we’ll continue to make a difference. And at its core, that’s what our Heart of Experian Social Responsibility programme is all about.”

Kerry Williams President, Latin America “Connecting with the communities where we live and work is essential. Our team across our Latin America business is united in a belief in this ideal and we know taking this approach creates benefits for our clients, for NGOs and each of us individually. Working with each other and addressing the social issues our communities face through both philanthropy and a commercial approach is an exciting way to do business.” Our performance global

Craig Boundy Managing Director, UK and Ireland “We develop and empower people. Whether we are supporting local entrepreneurs to set up in business, providing free access to ground-breaking financial education resources, or trying to reduce our carbon footprint – we have a great story to tell. We have amazing talent and skills right here in the heart of our company, so it’s important we get involved, use our skills to give back and make a difference to where it matters the most.”

Chris Clark Managing Director, EMEA “B eing responsible is unifying and it’s right at the centre of our Heart of Experian Social Responsibility programme. The team in EMEA continues to make a Regional performance Regional significant contribution to our CR agenda. I’m very proud of what they have achieved against the region’s priorities and the positive impact this has had in our 20 plus countries. It’s clear to see how much more potential we have to work together, so we can truly make a difference.”

Joy Griffiths Chief Executive Officer, Asia Pacific “It’s clear that we are already passionate about making a positive contribution to society. It’s now about identifying the best way we can use our skills, energy and enthusiasm to help us make an even more meaningful impact. The future looks exciting.” 4 experian Corporate Responsibility 2013 Telling the story of our year

Telling the story of our year

We understand our responsibilities as a corporate citizen and strongly believe that we must focus on these to generate profitable and long term growth. Our emphasis this year has been on the growth and evolution of our programme, driven by a desire to achieve more, to create more impact and in turn to strengthen our business growth. We’re especially focused on helping local communities achieve their social and economic potential.

This year Experian’s people took CR There was strong awareness that New emphasis on ‘Big Ideas’ to heart in a new way. Whether it was our resources – not just financial, We believe that commercial solutions our 150 most senior leaders locked in but our unique capabilities and our to social problems will have scale debate over Experian’s role in tackling data resources – could really make and longevity beyond those based on poverty, or the 1,000 colleagues getting a difference and new ideas began donations and philanthropy. They will involved in our global environment to emerge for products and service have the most sustainable effect on challenge, we’ve seen how these offerings and ways of engaging as a society. Termed ‘Big Ideas’, we are issues have the power to engage team beyond the conference. If you are now looking at how we can deliver and inspire people. reading online, click here to see a short more through our strengths and video of the event and the evolving As a result of engagement through our capabilities as a business, scaling up direction for CR at Experian. Heart of Experian culture programme, these activities as part of our Heart which we outlined in last year’s report, of Experian Social Responsibility programme. we have found new ways to involve our New global CR working groups 17,400 colleagues around the world The Mumbai conference has led to the An outstanding example of a ‘Big in transforming the way we work with formation of a global CR steering group. Idea’ we first reported last year is our society; looking at how we embed CR The group, comprising senior leaders work with the Big Issue Invest, the in our business even more dynamically from across Experian’s five regions, investment arm behind the iconic Big and providing a new focus for our has been established to drive the Issue magazine, to create the UK’s first community engagement programme. development and improvement of our commercial Rental Exchange Service. This will offer a secure and compliant A new opportunity to engage leaders CR programme. way to include a tenant’s rental payment In May 2012, we held our annual global Three workstreams have been history in credit reports, with their management growth conference in established within the steering group, permission. This is a ground-breaking Mumbai. The conference’s theme each led by a senior leader, with the development, because rental payment centred on growth with responsibility objective of: information is not currently included on and the event created a powerful • Enhancing the Group’s community credit reports. opportunity for 150 of our most senior programme; improving the This year we have invested further leaders to develop an even greater connection between employees and and worked with the social housing understanding about the social context leaders and the focusing on social landlords and tenants and set up the for growth in emerging markets – a key context in each region part of Experian’s strategy. infrastructure to make it possible – for • Improving the Group’s measurement the first time – for tenants to build their As described in last year’s report, and reporting of its social and credit history by taking account of leaders were taken out into Mumbai environmental impacts, which their regular rental payments. This will to visit and talk with people involved will help us focus on how we are strengthen their credit history, enable in social enterprises and charities protecting the environment and them to apply for mainstream loans addressing the city’s many social addressing social concerns, not only and help them qualify for lower-cost needs. The groups were then brought how much we are investing or saving credit deals. together to discuss the role of business • Seeking out how the Group can better in society and to examine Experian’s identify and respond to social needs specific responsibilities. through product innovation referred to at Experian as creating ‘Big Ideas’ 4 experian Corporate Responsibility 2013 Telling the story of our year 5 Introduction Introduction Telling our of year the story

New ways to engage with consumers

Our Heart of Experian There have been a number of Social Responsibility initiatives this year focused on greater programme is about making a real engagement with consumers and the difference to the lives most dramatic was in Brazil. A series of people living in the communities where we of five ‘Clean my Name’ debt fairs were operate organised by Serasa Experian and 56,000 people attended these one day events to meet Serasa Experian and At the heart of our all its lender clients in one place. The local communities, fairs provided a unique opportunity to This is the spirit we’re creating inspiring volunteering and address credit problems in one go, in at the fundraising programmes Heart of Experian that connect us even real time, to clear up misunderstandings more closely with where and bring new hope to people stuck at we live and work the limit of their credit. Our performance global Many people who attended told us that they arrived feeling hopeless and left energised by a new and realistic plan to deal with their debt problems. Lenders will benefit too, with potentially lower At the heart of our company, it’s about default rates expected from attendees. harnessing what we do Serasa Experian employee volunteers Our aim is to help to help people realise communities realise their true economic added to the value of the events by their social and potential – from tackling providing financial education sessions economic potential the root causes of poverty to supporting for attendees, to help them in the small businesses in our longer term. communities Sharpening our community focus Our programme of community investment remains hugely important, performance Regional The launch of the Heart of Experian With the aim of helping communities engaging our people and touching the Social Responsibility programme realise their social and economic lives of thousands of people across the potential, the Heart of Experian world. This year’s total was US$5.3m The most important outcome from the Social Responsibility programme made up of volunteering hours, cash global management growth conference encompasses our existing successful and donations in kind as shown in was establishing a global CR theme community programmes while also the table on page 12. Our colleagues for Experian. As part of our successful pioneering how we use our business worldwide value the chance to get global culture programme, the Heart skills, products and services to involved in their local community, of Experian Social Responsibility promote financial education, financial and volunteer enthusiastically. programme was launched in March inclusion and support small business 2013 to 17,400 employees around entrepreneurs. the world. 6 experian Corporate Responsibility 2013 Telling the story of our year

Telling the story of our year continued

We have always looked beyond our A new green engagement programme centrally funded initiatives and this Many of Experian’s people are housed year we have included in our reporting in modern offices, controlled by programmes developed within our building management systems with business units. These include, for little individual scope to be involved example, donations made to an in reducing our footprint. So this year organisation called ‘Donors Choose’ we launched our ‘Green Challenge’ in North America, from our consumer to harness the creativity and interest business. Many of the organisations of our colleagues around the world we support have been partners with and encourage them towards more us for a number of years. One such environmentally aware behaviour in example is the Allen Community the office, at home and as they travel Outreach (ACO) project in Texas, between the two. which supports struggling families with food, clothing and financial advice The idea was simple. Colleagues were and support. Most of ACO’s customers invited to register in self-organised have no access to computers, making teams and were presented with a series it hard for them to deal with potential of environmental challenges throughout employers, Government agencies or the competition. Points were awarded other companies online. In the past, for the best performing teams. Funds Experian has provided support to set were pledged to good causes as an up a computer room, allowing users to incentive for participation and to reward get online at the project and Experian’s winning teams. employees have volunteered extensively Over 3,000 colleagues around the world at the Centre and provide the financial visited the dedicated ‘Green Challenge’ education and support so vital to intranet site and around 1,000 took part making a long-term difference. in 126 teams across 20 countries. The focus on financial education has The results were outstanding, with been a longstanding one at Experian photos, stories and videos flooding in and also led us to develop educational from around the world. From Costa support programmes such as the Rica to California, Monaco to Madrid, “Values, Money and Me” scheme colleagues have said that being part developed initially in 2011. This has of a global project but in a local team been delivered nationwide across was a motivating force for them. As we the UK this year and helps schools plan the legacy of the project we have teach children about the importance termed the phrase “Green for Good” of financial responsibility, and not because we know we have changed just ‘money management’ skills. The the behaviour and outlook of a large programme has been approved and number of Experian colleagues. the distribution supported by pfeg, the UK financial education charity, and there are plans to replicate it in Ireland. We also announced this year a three- year partnership with pfeg to establish ‘Centres of Excellence’, supported by Experian and our volunteers, promoting financial education in schools located in the UK’s most financially disadvantaged communities. 6 experian Corporate Responsibility 2013 Telling the story of our year 7

Voices of CR: Introduction Leaders from our CR Steering Group

The leaders involved in our CR Steering Group all put themselves forward to take part. Here you can read what motivated them and why they see it as important:

“Experian is filled with passionate people that are committed to helping the communities around us. The energy Telling our of year the story created from helping others is infectious and enables our employees to connect with each ther around a common goal. I am excited to play a part in facilitating these activities Stephen Scharf and look forward to witnessing the Global Chief Information great things we can achieve.” Security Officer

“Experian’s commitment to helping communities thrive – across the globe and where we live and work – is an important part of our existence. Alex Bromley I am proud to be part of Director of Financial our CR Steering Group Reporting, Group Finance and am excited to see Abigail Lovell how each of us can be a Our performance global VP, Communications catalyst for change in our “Being part of Experian’s global CR Steering Group is a Management, communities and make a richly rewarding experience. Together we are building North America difference together.” a social responsibility environment in which the Heart of Experian spirit can flourish. By working together with colleagues from across all regions, who are truly committed to and passionate about helping the communities we touch, we are really helping to shape our vision.”

“Experian is a diverse and wide Richard Fiddis spread organisation which is held Managing Director – Strategic Markets together by great people who Regional performance Regional want to help create a meaningful, “Having been closely involved with the start-up of our positive impact on our communities Indian business I have been exposed to the dramatic – wherever they are in the world. polarisation of wealth and entitlement common in I think we have untold opportunities emerging markets. I have also witnessed the dramatic in our people, our products and our power for good Experian’s core capabilities have in locations to help local communities driving economic empowerment and helping the Tania Garrett in so many ways, especially disadvantaged realise their true potential in a modern HR Director, EMEA through using what we do so well world. I wanted to help Experian people understand as a business. My motivation in the really positive impact their company was capable joining the CR Steering Group was of having and then to use that understanding to to help create a level of energy encourage a dramatic expansion of projects and engagement from all our where we leverage our unique assets.” employees around our CR goals so collectively we can create an even greater positive impact.” 8 experian Corporate Responsibility 2013 Our global performance

Supporting the business strategy

Corporate responsibility for Experian is an essential element of our business growth strategy and supports our drive towards product innovation, geographic expansion and work in new customer segments. Our CR programme is developed through a cycle of consulting, focusing, embedding and innovating. We have great stories to tell in our case studies later in this report, which show how we’re making progress in all our areas of responsibility.

Big Issue Invest partnership In our second year of DATA partnership with the Big Issue Invest, engagement with social landlords is EN V becoming a reality. For S OCUS I the individual we provide a T F R C O means to build a repayment U N profile that will give access D M to mainstream lending O E and help them achieve R N considerably cheaper P T interest rates. NEW CUSTOMER PRODUCT

T SEGMENTS INNOVATION E

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Green Challenge O

Our global environmental C

engagement programme C

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ran for three months and R

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challenged our people to EXPANDING N

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make a change to their GEOGRAPHICALLY S

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green, or not so green, L

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behaviours. Over 3,000 P

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colleagues regularly read R

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20 countries. Our case study

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tells their story and you can O Y

M T I M N see an amateur video grown U out of green passion!

Growing the Heart Values, Money and me Clean my name of Experian Developed by our UK and Ireland Or Limpe Nome as it’s known in Our culture programme, the business, Values, Money and Me Portuguese, is the title for a series Heart of Experian, is helping us is a free primary school online of five major events held across foster a working environment programme that explores what money Brazil, developed by our Serasa where people are engaged and can and cannot buy. Developed in Experian business to help people inspired. In this second year we partnership with teachers and backed set their finance records straight have made great strides and our by pfeg, the UK financial education and solve their debt problems case study describes some of our charity, the case study video shows in one day. Over 56,000 people progress and shares a video that children and teachers using the attended – see the impact, hear formed one of the first exciting resource and having a lot of fun their inspiring stories in the case messages about the initiative. learning about finances and values. study. 8 experian Corporate Responsibility 2013 Our global performance 9 Introduction Introduction Responsibility 2013 Objectives Status How achieved

Data

Use and protect data properly, Make Experian’s Global Code of Conduct available Our Code of Conduct has been translated into respecting all the relevant to external stakeholders, rolling out first via the 15 languages, available via the CR section of the laws, helping evolve industry CR section of the Experian plc website. By the end Experian plc website and links have been created guidelines and new legislation of the financial year provide a link via Experian via our country websites making our conduct and ensuring a culture of country websites to versions translated into local around data visible to all stakeholders. compliance with the highest languages standards of integrity.

Products and Services

Create social and economic Work with members of the Strategic Projects With global CR Steering Group support we created benefit through our products, Committee in each region, raising their level of frameworks and diagnostic tools to help product services and capabilities, Social Ethical and Environmental (‘SEE’) issue managers across all regions assess the social balancing commercial benefit awareness. Enable their decision making on new benefit of the products and services in their remit, with consumers’ rights and developments to take account of social benefit, enabling them to review new developments.

needs. using tools and frameworks created by the global Telling our of year the story CR Steering Group.

Consumer

Inform and empower Maximise the reach of our financial education North America: we increased our focus on social consumers, and ensure that advice to consumers in three of our regions media, hosting 12 live events over three months, those who interact directly with by working with partners including consumer with a typical TweetChat reaching more than our company receive fair and organisations and clients, using new channels and 150,000 accounts. honest treatment. sharing expertise between regions. UK and Ireland: we established a Facebook page in September and already have 17,000 ‘likes’.

Latin America (Brazil): The emphasis has been on new face-to-face events in collaboration with clients, with 56,000 people attending five ‘Clean your name’ events across Brazil.

All regions: we continued to collaborate and share information regarding the achievements in the above regions. Our performance global Employer

Be a good employer to all, Work with senior leaders to improve their We engaged senior leaders via the Global establishing a set of expected understanding of Experian’s role as a responsible Management Growth Conference running a behaviours and values, aiming business in line with statements in Heart of half-day programme on the role of Experian as a to ensure that everyone working Experian employee materials. Inspire and enable responsible business in society. Support materials for us is treated fairly, given the them to hold informed discussions with employees including video and intranet communications have maximum opportunity to fulfil leading to local community plans at a regional been provided and discussions with employees are their potential and that all our level and improved employee engagement and ongoing. Regional CR plans were included in the workplaces are safe and healthy. better leader/employee communication. main strategic plans for the first time.

Environment

Minimise as far as possible Overall reduce CO emissions normalised by 2 • Aggregated PUE has reduced by 12.6% across the environmental impacts revenue by 2% by 2016. Targets for this year were: our four core data centres based in the UK and associated with our business • Achieve a 5% PUE (Power Utilisation North America. The technology investment and enable employee Effectiveness) reduction in our primary UK and required in one site was delayed, so we expect participation, with a particular North America data centres by December 2013. to achieve more reductions in the future. concentration on the reduction of energy use and its effect on • Decrease air travel between locations with • Air travel in EMEA has reduced by 29% in terms of mileage, and 20% in terms of costs of air

global warming. video conferencing (‘VC’) facilities in the performance Regional UK and Ireland and EMEA by 4% and 7% travel between VC locations. respectively during the current year. • Air travel in the UK and Ireland has reduced by 12% in terms of mileage, and by 5% in terms of costs of air travel.

Community

Play an active part in social • Complete the process of improving the capture Improved data capture processes are in place and and economic regeneration in of local business unit charitable payments and the increase in regional charitable contributions our communities, be they local, investments. and investments partly reflects this improvement. national or global. Policy and goal development work is ongoing with • Develop global policies for match funding, regions as part of the CR Steering Group remit. volunteering and payroll giving and set goals for implementation taking account of regional limitations.

Achieved Part achieved Ongoing 10 experian Corporate Responsibility 2013 Our global performance

Our global performance: Experian as an employer

With 17,400 employees located in • CEO Forum: A forum for senior talent A recent review of talent and 40 countries operating across four with a focus on creating opportunities succession planning highlighted that different global business lines, our for exposure to the CEO and other 10% of the senior leadership team have people strategy needs to be diverse senior executives. Since 2008 of the 75 been given developmental roles outside and comprehensive. Globally, we focus participants, 16 have received notable their home market and geography. on two areas: promotion, four of which were women. This mobility of talent continues to be a focus as building global capability is • culture and engagement, and • Executive Success: After the very important to our sustained success. • developing talent successful pilot of the Executive Success programme in the prior Developing Talent: We aim to drive financial year, this year we have the attraction, growth and retention of initiated the second cohort. This a deep pool of talented employees who programme targets our highest reflect our global reach and our belief in potential leaders who have the value of diversity. participated in the CEO Forum. The We have a diverse employee population. programme is aimed at accelerating Approximately 46% of our employees leadership development for our top are female and 54% male. Half our global talent that will help them people are under 35. Around 28% are prepare for future roles in the most classified as white and 11% as non- senior levels of management. white (the remainder choosing not to disclose this information or the information is unavailable to report). Fuller details of our employee profile can be found on page 28. The table on the next page outlines the current profile of our senior leadership team. In 2013 we plan to reinforce leadership commitment to diversity, create a supportive infrastructure for diverse employees and make progress sustainable by addressing any key issues with our underlying Listening to our people organisational culture. We have a Our global people survey, carried out every 18 months, provides unique opportunity here to build a more valuable insights into the views of employees and their level of inclusive culture as part of the Heart of engagement with the business. The last was in November 2011 with the Experian. results of the most recent global people survey (conducted in spring We already have a number of 2013) available in August 2013. global talent programmes which In between our global people surveys, we conduct a shortened version are supporting the accelerated to gauge the ‘pulse’ of our colleagues in the Group. The most recent, development of top talent: in November 2012, had a strong response rate: 76% compared to 72% • Experian Business Network (EBN): in 2011 (above the typical average of 60-65%). The results showed that A development forum for high we had made significant improvement across all categories since potential and diverse emerging talent. the previous survey. In fact, in the specific area of how well we have Since 2008, over 300 employees have followed up on the previous survey, the results were up 9% from our been or are currently part of the EBN; 2011 score and were 22% above the global high performing norm, as 18% have gained a role promotion defined by Towers Watson, the global professional services company. during or since participating (ahead of the average promotion rate for The global pulse survey also asked our people to comment on what Experian). Of these promotions, 49% difference the Heart of Experian will make, which resulted in comments have been for women. with very strong positive themes around motivation, corporate culture, international reach and improved leadership. 10 experian Corporate Responsibility 2013 Our global performance 11 Introduction Introduction

Health and safety: Our people work typically in offices and data centres, Diversity profile of our Senior Leadership which are considered to be low-hazard Diversity profile of our September 2009 September 2010 September 2011 September 2012 environments. Nevertheless, we take senior leadership team: (Total population = 87) (Total population = 90) (Total population = 85) (Total population = 89) health and safety extremely seriously. Gender This year we recorded 105 accidents at (number and % females) 14 (16%) 16 (18%) 16 (19%) 17 (19%) work and we have increased our scope Ethnic origin (number and % and improved our controls. Details of non-white 4 (5%) 6 (7%) 8 (9%) 8 (9%)

reporting methods can be found in Telling our of year the story the data section on page 29. We have strengthened our reporting, collecting global data on the total number of work related accidents with and without absence and also the number of lost Culture and Engagement days due to a work related accident. Heart of Experian is our culture programme, expressing the ties that In the past year we have updated our bind our organisation across all geographies, regions and business Health and Safety policy, supported by lines. We have defined three words that express our convictions, how a Health and Safety training video in we behave and what we believe – our “Core DNA”: Connect, Protect, four languages (English, Portuguese, Create. Throughout the past year, to assist our people in understanding Spanish and Mandarin). This general the Heart of Experian and the Core DNA, we launched several global content is supplemented with more initiatives. Programmes like: detail on the most relevant elements • Bureaucracy Busting, an initiative aimed to help reduce bureaucratic for our office environment related to processes both globally and in local work environments;

the alignment of desks and screen Our performance global • Performance for Growth, a new global equipment. Our employees can now performance management process; and also access information on desk (workstation) assessments and eye • the Global Recognition programme, care, onsite emergency contacts and that for the first time provides all our insurance and travel via our intranet. people with an opportunity to be nominated for recognition. The Heart of Experian message has been an enormous success with our people around the world. In the coming year we will integrate more of our CR communications under that heading, helping our people see the clear connection

between Experian’s performance Regional commitment to being a responsible company and our Core DNA. 12 experian Corporate Responsibility 2013 Our global performance

Our global performance: Our work with communities

Experian’s community programme invested more than US$5.3m this year Community investment √ into projects, many of which supported 2012 2013 Re-presented a focus on financial education or Year ended 31 March US$’000 US$’000 entrepreneurship. We also engaged our Funds from Experian plc 1,217 981 people as active volunteers, passionate Financial donations and investments from Experian subsidiaries 2,6762 1,5041 fundraisers and community advocates. Employee time volunteered 6563 505 Our programme is consciously diverse, Gifts in kind 323 2824 allowing employees to get involved with Management costs 416 274 charities and organisations which make Total from Experian 5,288 3,546 a difference to their local communities. As % of Benchmark PBT 0.44% 0.31% The big difference this year though, is the Employee fundraising 785 815 launch of our Heart of Experian Social Total value of all giving 6,073 4,361 Responsibility programme. It will help As % of Benchmark PBT 0.51% 0.39% support our teams even more with some common tools and frameworks to make 1. Financial donations and investments from Experian subsidiaries have been re-presented in the light of improved data capture processes. Additional financial donations were identified in the North America region, the largest of which volunteering and fundraising easier. The was US$180,000 in relation to Donor’s Choose. The total amount was previously reported as US$941,000. global theme of helping communities 2. Financial donations and investments includes relevant costs incurred in respect of our commercial initiatives in the community in Brazil, ‘Clean my name’. Our Reporting Principles and Methodologies sets out how we have calculated achieve their social and economic the costs that directly benefit the community. No comparable initiatives and costs were incurred in the prior year. potential is common to all, and one that 3. Manual and skilled time volunteered during normal working hours on Experian projects. This level of data capture was not possible in prior years. we will strengthen as our programme 4. Gifts in kind have been re-presented in the light of improved data capture. 41,000 free credit reports were provided to develops over the years to come. not for profit advice agencies in the UK. The total amount previously reported was US$166,000. The community investment table on this page shows the total of our contributions, and how it is made up of volunteer hours, gifts in kind (our products and services offered at cost or Giving disadvantaged young people a route for free, plus office accommodation and out of unemployment conference venue facilities) and direct This year our UK and Ireland business has supported The Prince’s financial donations. This element is split Trust with both funds and volunteers. The Prince’s Trust Enterprise between the money donated directly programme is one of the few still available to disadvantaged young from Experian plc and that given directly people in the East Midlands who are looking to become self-employed. from the Group companies. Advice and support from the service comes in a number of forms for The total value of our programme the young people who qualify, including: business mentors, funding rose last year to US$5.3m, also as a and more general support and advice on life’s challenges and personal percentage of the Group’s profit (0.44% barriers to success. of our benchmark PBT). There was also This is a programme we have supported for over two years and in this a notable growth in our volunteering time we have helped over 50 young people in setting themselves up in hours – something we intend to business which include everything from a creative agency to a mobile encourage in future years. These barber! Employees have acted increased by 3,670 hours this year. as mentors and volunteering in We record separately the funds raised, this way proves very satisfying: including the value of donated goods such “For me personally, being a as food, clothing, shoes and toys, given by mentor is an amazing journey. our people in support of their local causes It is great to see how my and national campaigns. This added a experience and advice can further US$0.8m last year, taking our total change someone’s life, giving to US$6.1m for the first time in our history. them hope and motivation.”

Each Regional Report (pages 18 Tania Brecht, to 27) presents a highlight of their Graphic Designer, Experian community activity.

√ Independently assured by PricewaterhouseCoopers LLP, see page 32 12 experian Corporate Responsibility 2013 Our global performance 13 Introduction Introduction Our environmental performance

The Experian Green Challenge We have made good progress an incentive for participation and as a There was an improvement across all addressing our corporate reward for winning teams. Around 1,000 areas, with average scores measuring environmental responsibilities: of Experian’s 17,400 people participated environmental awareness and energy use from our buildings (per directly in 126 teams across 20 behaviour rising from 57% to 68%. US$1,000 of sales) has reduced by 24% countries. Many more were influenced The qualitative results were Telling our of year the story by office discussions and the project’s since 2008. But as opportunities for outstanding, with photos, stories and communications and US$4,000 was investment in measures to improve videos flooding in from around the raised for The Red Cross. the environmental programme world. From Costa Rica to California, become fewer, colleagues’ behaviours The whole programme was enabled and Monaco to Madrid, colleagues have a greater role to play. The by social media; it was hosted on said that being part of a global Experian Green Challenge was our Intranet site “Zoom”, and it project, but in a local team, was a developed to encourage teams from benefited from senior leadership motivating force for them. around the world to get involved, support. Over 3,000 employees As we plan the legacy of the project forming a responsive network of regularly visited the Challenge page we have termed the phrase “Green colleagues to help achieve our to find out more and a steady flow of for Good” because we know we have environmental commitments. updates kept things lively. Hundreds changed the behaviour and outlook of a of pictures and videos were shared Between November 2012 and January large number of Experian colleagues. 2013 colleagues were invited to register by participants. For a feeling of how motivated people in self-organised teams to be presented The project tracked its results were by the fun of the experience with a series of environmental carefully. Team members answered Our performance global watch this amateur video clip. challenges. Points were awarded for questionnaires about energy, waste, the best performing teams and we water and work habits each month, If you are reading online, click here: pledged donations to the Red Cross as to measure changing behaviour.

This year has seen a range of Usage Effectiveness – a measure of Our headline environmental indicator is environmental activity – both globally and efficiency) figures for our data centres, our carbon emissions from energy use in our regions – with the aim of reducing along with better data on waste. We in our buildings and business travel. impacts and increasing efficiency. are currently working to improve water In the year ending March 2013, our Perhaps the biggest achievement was consumption reporting. emissions from buildings and transport the Green Challenge, which saw our totalled 80,000 tonnes, the same as All our regions are now working on people getting involved and working the previous year, despite the growth their own objectives which are part of a together to meet environmental in our operations. In fact, when growth

Regional CR Strategy, and a new tool – performance Regional challenges and reduce their footprints. is taken into account, by examining ‘the wall’ in our CR database – has been More information on developments in our the carbon emissions per US$1,000 of introduced to post announcements and regions can be found on pages 18-27. revenue, our emissions continued their share initiatives across our regional downward trend from 17.7 kg to 16.8 There have been important global environmental virtual network. kg this year driven by efficiency gains changes this year too. We overhauled Experian was ranked 18th in the in the more established part of the our Environmental Policy to reflect the UK’s CRC League table out of 2,097 property portfolio. Expressed per full global nature of our environmental UK companies over the period time equivalent person (FTE) the figure responsibilities. The new version was 2011-2012. This table supports the UK fell from 5.0 to 4.6 tonnes per person. subject to consultation with our regional Government’s CRC (Carbon Reduction stakeholders before final approval from Commitment) scheme, and position the Board. Full details of all our environmental is based on the extent and quality of indicators can be found on page 29. We have strengthened our processes energy metering and independent and controls around reporting, for assessment of the quality of energy example we now capture PUE (Power management at the company. 14 experian Corporate Responsibility 2013 Our global performance

Our global performance: How we treat our consumers

The scale of Experian’s consumer reach received, replacing the traditional Across our major regions there is is huge. We provide our consumer credit approach which asked customers to a network of dedicated individuals bureau service in 19 countries, which use our pre-set ratings rather than their responsible for consumer education collectively includes credit data on own. Using ‘Voice of the Customer’ and financial awareness. Most of around 800 million individuals. In all of feedback, representatives are given our work on this topic is managed Experian’s businesses we have careful monthly customer service scores as a regionally. You can find out more about processes to maintain consumers’ rights performance measurement. The overall it in the regional sections of this report. as defined in local law, resolving any Voice of the Customer score in our last A good example of our work is shown complaints as swiftly as possible online, quarter of the year was 4.74 on a five in the case study below and in the case via phone and in person enquiry systems. point scale, with five being ‘excellent’. study from Brazil on page 21. One example is our National Consumer But we look beyond our regulatory Assistance Center (NCAC) in the US, obligations. Our success – and that of the first port of call for consumers our clients’ – depends on consumers with questions on their credit report. having a healthy and informed attitude In April 2012, the NCAC began to credit, something which enables proactively soliciting feedback from them to be responsible borrowers. We consumers who had recently talked have a responsibility to inform and to to a customer service representative. empower consumers; raising financial Quality Monitoring team members awareness, educating on topics around make outbound phone calls to responsible credit and even building consumers to get their own personal consumers’ skills in areas like debt views of the level of service they negotiation.

Chatting online to support consumers In June 2012, our North America National Consumer Assistance Center began offering Web Chat to consumers who had difficulty disputing information in their online credit disclosure. Web Chat is offered when the consumer remains on a page without taking action for several minutes and was designed to lower the effort it takes for consumers to resolve their issue. The service launched with five agents who could assist up to three consumers at the same time by answering questions, pointing the consumer in the right direction to enter their dispute and advising them about which dispute reason to select. Consumer satisfaction with this new service has averaged 83% and 73% of those who used Chat said they were able to resolve their issue on the web without having to use another contact channel. Web Chat is available 8 am to 5 pm in every US time zone. 14 experian Corporate Responsibility 2013 Our global performance 15

The impact of our products Introduction and services

Helping SMEs gain access to finance In South Africa, an important part of sustaining growth is ensuring small and medium sized companies (SMEs) have access to credit. But

since financial institutions use scorecards, Telling our of year the story which are based on a company’s credit history to determine this access, start-ups and small companies sometimes struggle to receive the money they need to grow. Experian South Africa has developed a new scorecard called Commercial Delphi with Credit Providers Association data, the first time a scorecard has included data on how leaders of a business repay their personal debt, such as credit cards, store cards and loans. This helps smaller companies lift their credit scores (providing the leaders have solid personal credit histories) giving SMEs a better chance to access finance, encouraging entrepreneurial spirit and ultimately driving development in South Africa.

Perhaps the biggest sustainable social through economic empowerment. But there are many hundreds of new Our performance global or environmental impact Experian We see three ideas within this: and important products developed at a can have is through its products • Enabling the most vulnerable in regional level. A good (and very typical) and services. By offering services or society to access financial services example of a socially-advantageous products with social or environmental product comes from our South Africa • Providing the disadvantaged with the benefits we can have reach which business as described above. financial knowledge to prosper complements our community programme and our own environmental • Helping micro and small businesses savings. This year has seen a number of grow and thrive. important developments. We are actively mapping products Firstly we launched a major internal against these categories, enabling us project to map and describe our product to better promote the existing ones, but and service offerings. This has many importantly, to develop new ones where benefits – understanding our strengths we see gaps. and helping colleagues communicate The second important element of our our business – but has provided us project is developing new products for performance Regional with an excellent opportunity to find social or environmental good. Our ‘Big our ‘hero products’ with strong social Ideas’ process has continued this year, benefits. The process is underway with aiming to spot and support innovations our total of over 800 products analysed which otherwise might not be given and around 50 heroes identified to date, sufficient priority. The commercial To help identify social benefit we have Rental Exchange developed in linked our analysis to our Heart of partnership with Big Issue Invest is one Experian theme of releasing potential such example. See page 4 for details. 16 experian Corporate Responsibility 2013 Our global performance

Our global performance: Managing data and compliance

The security and integrity of (‘FCA’), the Prudential Regulation a boost to the Brazilian economy and data remains one of our highest Authority (PRA) and the Financial will help bring a large section of the priorities. Experian understands our Policy Committee (FPC). The FCA are country’s underserved population into responsibilities to society and the trust focusing heavily on the right outcomes the financial system. placed upon us as global custodians of for consumers and they will place a We continuously look to work with personal information. much greater focus on ‘conduct risk’, as the industry on initiatives that aim to outlined in their Retail Conduct Outlook Across our entire business, all of increase data sharing in new sectors 2013 document. Consumer credit Experian’s people, regardless of and maximise the value of data that regulation will also move from the UK location or role, undertake mandatory is already available. We believe that Office of Fair Trading to the FCA. We are annual training on data protection data innovations are important to help closely monitoring these developments and information security. In addition, stimulate growth for new businesses, as there may be a direct impact on the Experian maintains a comprehensive empower consumers and help lenders level of regulation/oversight placed on a programme of monitoring access to make informed decisions and drive credit reference agency. to data, both internally and by our product choices for consumers. clients. This helps to ensure that the In North America the recently data we hold is only accessed and established Consumer Financial used for authorised purposes. Multi- Protection Bureau (‘CFPB’) is a vital layered defences leveraging separation stakeholder and driver of the regulatory CFPB focus on of duties are complimented with a agenda. See the case study in the panel accuracy of data robust risk assessment framework for more detail. During the year the CFPB that provides focused actions towards As well as working to develop our announced a final rule potential security improvements. Data position in well established credit addressing its role in is at the heart of our business, and the markets we are also making ground in supervising certain credit security and integrity of how data is new regions. This year the emphasis reference agencies, including handled is of paramount importance has been on Asia Pacific, specifically, Experian and others that are and continues to remain a key focus. working with the regulators and industry large market participants in Our information security programmes groups as we established our consumer the industry. CFPB Director continue to evolve and adjust to an ever credit bureau in Australia. It is expected Richard Cordray spoke about changing threat landscape. that the new law developed as a result a new regulatory focus on the We do operate in a highly regulated of the Privacy Amendment Bill 2012, accuracy of the information industry. In Europe, we are actively will become effective in March 2014. In received by the credit involved with ongoing EU developments addition, it is anticipated that Australia reference companies, the role to reform the existing data protection will now join other OECD countries and they play in assembling and framework. We have been working move toward a ‘Comprehensive Credit maintaining the information closely with regulators, trade Reporting’ environment, involving and the process available associations, government departments positive as well as negative data. to consumers for correcting and MEPs to ensure that our views are Experian is making the necessary errors. considered. It is anticipated that the changes required to allow for the Experian is no stranger to final draft of the new EU data protection new data elements in support of a regulation and we already regulation will be published by the end comprehensive reporting model. commit substantial resources of 2013, at which time the project team In Latin America we are working with to maintaining and improving we have in place will assess the full Brazil’s regulators implementing a accuracy and dispute impact of these changes and work with move towards the inclusion of positive handling. Regulations are our business and our clients to ensure credit data. Late in 2012 the National essential to consumers, we comply with the new regulation. Monetary Council (CMN) of the Central our clients and to the value The financial services industry in the UK Bank of Brazil released a guideline to and equity we bring to our has faced significant regulatory changes implement Law No. 12.414, commonly shareholders. Experian due to the implementation of the referred to as the ‘positive data law’ – welcomes the chance to Financial Services Act in early 2013. The which outlines how Brazilian financial work with the CFPB on this Financial Services Authority has now institutions report positive credit data. important issue. been replaced by three new regulators; It is designed to encourage a more the Financial Conduct Authority robust and accessible credit market, 16 experian Corporate Responsibility 2013 Our global performance 17

Stakeholder engagement: Introduction How we listen and respond

Making successful and appropriate use of information is a complex and detailed task, ever-changing as regulations, technology and market needs evolve. We work closely with a huge number of stakeholders to make sure that we understand their perspectives and that we share ours.

Customers We are rigorous in how we listen and respond to the interests of the consumer. We use customer Telling our of year the story satisfaction measures and a customer research programme. The Experian Consumer Council in North America is a group of 10 individuals with licence to challenge and advise us at regular meetings. We use the Net Promoter Score (NPS) to measure the perceptions of our corporate customers. Every region uses this quantitative method and performance is tracked carefully.

Our people We rely on the creativity and commitment of our people for all that we do. We listen to them via our Global Engagement Surveys and ‘Pulse’ surveys. We communicate to them via an extensive and carefully managed programme to ensure they feel well-informed and equipped.

Suppliers We promote good environmental and labour practices amongst our suppliers through our Supply Chain Principles. Based on internationally accepted CR standards, these requirements are included in the majority of our supplier contracts. We have also developed an overview of the proportion of SMEs amongst our suppliers and assessed the financial stability of some of these. Our performance global Regulators One of our most important stakeholder groups are the data regulators all over the world – those bodies who set and monitor the standards for our work. We aim for constructive and open relationships with them, sharing our knowledge of successful data protection.

Policy makers We talk openly to policy makers – Governments and those who advise them – as part of the process of designing the best possible legislation.

Peer companies All around the world companies meet to share information and solve problems, and Experian plays an active part in many of these bodies, from working on a new technical standard to talking with customer forums about how things could be done better.

Investors and Our dedicated Investor Relations team meets regularly with our institutional investors and lenders lenders to understand their perspectives and to share information. Small scale investors receive detailed communications on our performance (including our CR work) and are welcome to engage with us directly. Regional performance Regional

Community Over a long period, we have developed close relationships with community partners to support partners our social engagement programme. By working with others in this way we can expand our reach, get the best possible expertise and make our work much more effective. 18 experian Corporate Responsibility 2013 Regional performance

North america Latin America Region: UK and Ireland EMEA North America ASIA Pacific

Business “The North America team performed strongly again this year. performance As we continue to work hard to serve our clients’ needs, we’ve seen context a growing contribution from our investment initiatives, particularly in fraud and identity management, healthcare payments, as well as in business information and automotive. We’re excited about our new cross-channel marketing capabilities and we’re laying the foundations for future expansion of our Consumer Services business.”

Employees Community partners like Allen Community Outreach This year we have strengthened our Over the year we significantly increased in Texas, to help people rebuild their lives offering of professional development the number of volunteers and hours after financial hardships. opportunities, added more skills and supporting local organisations and We financially support employees’ technology development and actively charities; employee volunteer efforts volunteer efforts through matching promoted our health and wellness during working hours more than tripled programs. In Southern California, programmes resulting in: across North America. employee participation in fundraising • Three quarters of employees We continue to invest in organisations for the Susan G. Komen Race for completing their Health Assessment, that make a difference in the lives of those the Cure and the Children’s Hospital which reduces their medical plan in need, partnering in particular with of Orange County raised more than premium and provides personalised those that enable financial independence US$98,000. Experian’s matching recommendations for a healthier and stability. We work closely with support brought the total to US$160,000. lifestyle. • 34,143 miles being logged by our Walk to Wellness participants. • Almost 1,000 employees participating Case studies in the Experian Financial Planning workshops, improving their personal financial planning skills. North America Hurricane Sandy was the biggest event Education Ambassadors affecting our people. At its height, Our Education Ambassador Programme enables

15% of Experian’s US employees were s our employees to share financial literacy education impacted as their normal places of presentations about topics such as credit reports and work were closed due to wind, rain or credit scores with consumers in the communities where mployee other unsafe conditions. Our people E they work and live. More than 100 employees have now responded magnificently, working been trained and present to non-profit groups, business remotely as far as possible and keeping clients and schools across the country, reaching more the business operating as usual. We than 1,500 consumers. actively supported affected employees, many of whom in turn participated in wider relief efforts themselves. Community

s t c nvironmental mpa E I umer s s Con 18 experian Corporate Responsibility 2013 Regional performance 19 Introduction Introduction

s mployee E Case studies

The Allen Outreach centre rebuilds lives in Allen, one family at a time Community The Allen Outreach centre rebuilds lives in Allen, Texas,

one family at a time. The centre provides a holistic approach to getting families in desperate situations up on their feet. Our office in Allen, fundraises and s

t supports the work of the Allen Community Outreach c Telling our of year the story centre, providing emergency assistance, such as nvironmental mpa E I counselling, food and clothing, for struggling families. We financed a new computer lab at the centre and supported Allen’s programme of money management and interview skills classes. umer s s Con

Immediately following Hurricane More than 280 people in the region helped them share accurate, positive Sandy, our employees donated more registered to participate in the Green information with hundreds of thousands than US$28,000 to the American Red Challenge programme (see page 13) of their clients. And our work with well- Cross to aid recovery in the Northeast. in 32 teams. The region provided an respected personal finance bloggers Experian matched the full amount and individual winner: Rashmi Grover of – like Wisebread – reaches consumers

more bringing the total to US$65,000. the ‘Green Goddesses’ in Costa Mesa, through social media. In fact, a Twitter Our performance global California, who provided an outstanding Chat with Experian expert guests had Environmental Impacts record of energy savings including the highest participation in Wisebread’s Our North America region worked initiatives she undertook with her history. The Credit Town Hall event towards a specific environmental family. The Green Goddesses team were during the JumpStart Conference objective this year of reducing total eventually in the top three globally at combined the best of in-person and energy consumption by 2%. For the the end of the challenge. virtual communication. A Q&A session 80% of sites they manage and control with almost 300 teachers was streamed directly they achieved a reduction of Consumers live on YouTube while teachers asked approximately 3%. However the overall The lagging US economy has created questions in person, tweeted their reduction was 0.58% despite a range of financial challenges for consumers thoughts and people in the Twitterverse strong environmental initiatives across and Experian has an active programme joined the conversation from around sites as described below: of support. the country. • In Schaumburg, Illinois, a pumping We provide materials and resources to We develop innovative new ways station was installed that uses lake help people better understand credit to help consumers, such as building water to irrigate the lawn rather than

and change their behaviour. The Ask credit references through positive rent performance Regional using city water. Experian credit advice column is now payment reporting and introducing • The McKinney data centre in Texas in its fifteenth consecutive year and a scoring model that goes beyond completed the installation of a 5kW receives more than 1,000 questions a traditional credit data. Through solar power system. month from consumers. the Center for Financial Services Innovation, Experian supports a • The Allen, Texas office replaced We work with others, investing over development lab that creates innovative incandescent lamps with LED lamps. US$350,000 in financial literacy grants new ways to engage underbanked to support diverse and powerful We will continue to seek to influence families in financial services. landlords of our managed sites to drive programmes. For example, our training energy use down in the year to come. programme for the National Foundation for Credit Counselling’s educators 20 experian Corporate Responsibility 2013 Regional performance

North america Latin America Region: UK and Ireland EMEA Latin America ASIA Pacific

Business “Our region continues to deliver very good growth. We’re gaining clients performance in new customer segments from telecommunications and insurance context through to automotive. At the same time, we’re continuing to expand our market presence in Colombia and Peru with the introduction of new fraud prevention and digital marketing products. The advent of positive credit bureau data in Brazil opens the door for us to develop new innovative products for our clients in the future.”

Employees condition, and provides them with was created to practise and improve Serasa Experian continues to be a personalised recommendation the English language in work recognised as a strong employer and for a healthier lifestyle, while also situations, such as conference calls, a good place to work. The awards and supporting our strategy for human meetings and presentations. recognition section provides detail. If development. • C3 Portal – a new internal online please click here. • A Home-Office pilot programme collaborative website development. This year we strengthened initiated in 2011 was fully implemented It aims to improve employees’ our professional development during this year and extended to knowledge network and ability to work opportunities, added more skills and 110 employees. The programme is in collaborative environments. Aligned technology development and actively providing a better work life balance to with the Heart of Experian it aims to promoted our health and wellness employees while boosting productivity encourage the creation, organisation, programmes resulting in: and reducing office costs. sharing and protection of the strategic Serasa Experian knowledge. • Almost 70% of our employees • An objective this year has been to completed their Health and Life improve the English language skills of Another important initiative this year Style Assessment. This reduces their our leaders, so we also implemented has been the launch of a new country- medical plan premium, promotes a the Networking in English wide forum for the employment of reflexion of their lifestyle and health Programme. This programme people with disabilities. This new

We acquired Computec (Columbia) middway through last year, and data and performance commentary will be included in next year’s report.

s Case studies mployee E Weaving Dreams Tecendo Sonhos has been especially designed to enable our employees working at the Branch Offices Network in many Brazilian states to volunteer alongside their colleagues in Sao Paulo. In Community the second half of 2012, 40 new volunteers

completed their training and are already working in the community surrounding the branch offices where they work. s t c Engagement has been good and the feedback positive; one volunteer reported “it’s good when nvironmental mpa E I we have the opportunity to get out of the daily grind and seek new ways to help someone else. “We delivered our best in the lecture and, in turn, we received respect and acknowledgement.” said Kelli Golin, a Real Dream volunteer. The lecture in question was held at CEASPH – Centro de Atendimento Social e Promoção Humana, an NGO which supports children with low performance in school and who are in a socially vulnerable situation. umer s s Con 20 experian Corporate Responsibility 2013 Regional performance 21

body has grown directly from Serasa Introduction Experian’s own Employability Forum for Persons with Disabilities, created Case studies in 2001. Since then, Serasa Experian has taken the leadership in gathering business representatives in Brazil to better address the employment of people with disabilities nationally, something which this year culminated in the new Brazilian Business and Disability Network. This network has a mission to gather and mobilise companies in Brazil to

promote the inclusion of disabled s people in the employment market. It

does this by highlighting and sharing Clean my name Telling our of year the story mployee good practices, sharing contacts, and E This year saw the Limpe Nome ‘Clean my name’ debt fairs through partnerships and joint projects organised by Serasa Experian in Brazil. These are public supporting hiring and professional events, held in large exhibition venues, with the idea of qualifications. By February 2013, it letting consumers deal with all their debt problems at had more than 40 member companies, once. Many consumers allow debts to build up because including Accenture, Hewlett-Packard they struggle to know who to talk to, or how to co-ordinate do Brasil, IBM Brazil, and Novartis Community between multiple creditors or agencies. Biociências. The ‘Clean my name’ events allow consumers to move Community from one stand to another, perhaps speaking first with their

In 2012, we launched the Tecendo s bank, then their credit card provider and so on until they t Sonhos (“Weaving Dreams”) extension c have obtained a clear picture, corrected data and agreed to nvironmental mpa of the Sonhos Reais (“Real Dreams”) E I a repayment schedule that they can realistically meet. Our volunteer programme. Serasa Experian’s Sonhos Reais’ volunteer staff were on hand to run financial programme aims to develop a financial education sessions and help co-ordinate the day. Our performance global education culture for low-income people Over 56,000 people have attended these one-day events by training employees volunteers to

umer s this year. deliver financial education into their s

local communities. Almost 8,000 people Con have benefited directly and indirectly from more than 90 volunteers donating their free time on Saturdays. These, plus environmental awareness endorsing our expertise with this type of campaigns such as the Green product, allowing us to provide services This year we have also pioneered Challenge, mean that, despite including without the need to bid. delivering a Debt Management actual data for our recently acquired workshop (one of the topics in the This year also saw us sign a partnership Computec business the overall the Sonhos Reais programme) for people with Ethos, a major Sustainability NGO footprint for the portfolio in the region with visual disabilities. This session in Brazil, to analyse suppliers of wood, has only increased by 19%. was delivered by our volunteers with meat, soy and coal for 60 companies great success. As well as tackling our own that work in the Amazon rainforest environmental impact, 2012 has seen aiming to maximize sustainable Environmental Impacts us launch a range of products designed production chains and preserve the p erformance Regional We have a strong governance model for to help others tackle theirs. In 2012, forest and its people. strategic sustainability initiatives with during the Rio + 20 Conference, the an engaged Sustainability Executive Brazilian Central Bank announced two Consumers Committee in Serasa Experian. This laws requiring all financial institutions Our Serasa Experian business is year the biggest impact on the region’s to provide an environmental risk developing a direct to consumer carbon footprint has been the opening of analysis of customers during the business, providing a range of free and a new 10 storey building to accommodate lending process. In response, Serasa paid for services that help consumers the growing business. However, this Experian developed sustainability maintain a healthy credit profile and meet has been balanced by green initiatives profiling solutions for its clients their commitments. Their business model implemented in Sao Paulo such as to meet these new requirements, is built on supporting an ethical model of the installation of individual lighting including consultancy, courses and consumerism. The credit fair events as in workstations and new Building data enrichment for environmental described in the case study above give a Managing System software to control all risk purposes. The Brazilian Banks typical view of this inclusive, consumer- air conditioning, fans and pumps. Association provided us with a letter considerate approach. 22 experian Corporate Responsibility 2013 Regional performance

North america Latin America Region: UK and Ireland EMEA UK and Ireland ASIA Pacific

Business “We were pleased to deliver a solid performance in the UK and performance Ireland. Helped by the investments we’re making, our Credit context Services business performed well as we introduced new superior sources of data, new products and expanded into non-financial customer segments, including telecommunications and utilities. Our Consumer Services business saw significant growth as we grew our membership base and retained customers for longer.”

Employees A number of other investments have Award’ to recognise those people who Our UK and Ireland business put a also been made in response to the demonstrate exceptional commitment to great deal of resource into learning Global People Survey in November learning. And we have also continued to and development initiatives last year. 2011. We have continued to locally invest in access to work for young people We introduced a new comprehensive implement our global Bureaucracy offering mentoring and support through online induction programme, The World Busting resource to save our employees the ‘Working for Youth’ programme. of Experian, to deliver consistent and valuable time with an easy ‘How do I?’ Community engaging learning for our people in area on the Intranet. We have enabled their first few weeks with us. There have our people to put faces to voices with We focus particularly on community been several other learning initiatives brand new video conferencing suites at initiatives that improve financial focused on front line managers, to help various office locations. capability or that get people into education, training or employment, to them succeed in their role. For example, As part of the Heart of Experian make a brighter future for themselves, our Managing Fundamentals computer programme, we have rolled out the their families and communities. based training helps to encourage global recognition programmes in the consistent and fair treatment for all of UK and Ireland to recognise those Another key focus for Experian is our employees by guiding managers people that go the extra mile. We have entrepreneurship. In May 2012, through key Experian policies. also created the ‘Learner of the Year we donated US$40,000 to fund

Case studies s Our 20 Centres of Excellence mployee E During this last year we embarked upon a ground-breaking new partnership with the UK’s leading financial education charity pfeg (Personal Finance Education Group) to transform 20 schools in some of the country’s most financially disadvantaged areas into

Community Centres of Excellence in financial education. The initiative will give up to 18,000 school

children access to a life-changing financial literacy programme, helping them to gain the s

t skills, knowledge and confidence they need to c be able to make the right financial decisions and manage their money well into adulthood. Our Experian nvironmental mpa E I volunteers can support teachers in the classroom. And to target this support, schools are being identified using Experian data, to spot areas of the country with low levels of financial literacy and use of financial services such as bank and savings accounts. Schools will also be offered the use of our Values, Money and Me free online resource. Our picture shows our chairman, Sir John Peace and Martin Lewis, a renowned UK finance expert, at the parliamentary launch event for Values, Money and Me. umer s s Con 22 experian Corporate Responsibility 2013 Regional performance 23 Introduction Introduction

Waste management has also been a priority; shared printers with default Case studies settings for double sided printing have helped us reduce printing costs by 27% over two years and save paper and Green travel toner. Switching to electronic invoices Looking at travel, we were able to reduce the benchmark has also saved paper. Our facilities team

CO2 from our car fleet from 160g/km to 140g/km by is working with our waste contractor to

encouraging employees to choose greener cars. We work towards zero waste to landfill and Telling our of year the story

s provided bikes worth US$95,000 to our employees via the a recycling contractor to deal with IT bike4work scheme and continued to fund the Citylink1 Bus asset recovery and secure disposal. Services for our people in Nottingham, meaning they can mployee

E Consumers get free use of bus services, helping with travel between our sites. We have also installed state of the art video Experian this year has provided support conference facilities to help build relationships between and guidance to consumers through a our people without the need for travel. wide range of channels: • Providing US$24,000 funding to help support National Debtline, a free Community helpline for UK consumers. Free of

charge consumer segmentation and analysis undertaken by Experian for National Debtline has also helped s t

c them better understand which types of Our performance global

nvironmental consumers are using their services and mpa E I helped them reach a wider audience. • Providing more than 49,000 free credit reports through not-for-profit advice agencies in the UK this year, recognised umer s

s as a ‘gift in kind’ in our reported data.

Con • Conducting more than 25 broadcast media interviews on a range of topics through national and regional The Prince’s Trust’s Enterprise Environmental Impacts television and radio stations. Programme in the East Midlands, Our primary engagement this past • Through Experian’s free service to representing the first instalment of a year has been via the Green Challenge, help more than 10,000 victims of fraud four year pledge. This support has given an internal initiative that challenged recover their identities and rectify unemployed and disadvantaged young people to be greener. More than 28 their credit reports. people the opportunity to explore their Experian teams took part and four of • Via our online Ask James consumer

entrepreneurial ideas and go on to set performance Regional the top 10 teams were from the UK and advice column on the Experian up their own business through a range Ireland. The challenge really succeeded website which received 8,000 visits in of tailored programmes. in getting our people to talk about a single month. green issues and engaged in green Around 9,700 hours were volunteered • Through ‘train the trainer’ meetings, volunteering. by Experian people in the UK and supporting more than 60 stakeholder Ireland last year. They undertook Our overall energy consumption in meeting and events including a series community activities from teaching our buildings has increased but when of public credit rating master-class financial education classes to painting normalised against our revenue to lectures on improving credit ratings. fences, from conducting free-of-charge account for business growth, we show • Launching our education resource geo-demographic analysis to digging a decrease of 1.8% due to general Values, Money and Me, in Parliament to allotments; US$0.6m was made in raised awareness and online energy peers, MPs and education specialists in financial donations and volunteering management. July 2012. There have since been more hours across 202 different projects. than 10,000 page-views on the Values, Money and Me website. 24 experian Corporate Responsibility 2013 Regional performance

North america Latin America Region: UK and Ireland EMEA EMEA ASIA Pacific

Business “We’re capitalising on many varied opportunities across the region, performance focusing on both our established markets and expanding our context capabilities into fast-developing markets like Turkey and Russia. We’re working to ensure we have the right level of resources in the right areas to meet the ever-changing needs of our customers.”

Employees Community In South Africa our contribution We launched two major training In the past year we supported projects focused on educating disadvantaged programmes during this past year, a in Turkey, Monaco, Italy, Spain, France, children at the Amazing Grace significant investment by the EMEA Denmark, Netherlands and South Africa Childrens’ Home, which provides business: to a total of US$126,600. shelter for abused and abandoned children south of Johannesburg. • The new EMEA Sales Academy Experian Monaco helped families Experian funding made it possible for brought together Sales Managers who risked being evicted from their the centre to hire a new worker from the from across the region to create sales homes through a project with Secours local community to teach children aged excellence, which includes a common Populaire Francais (SPF), a not-for- 0-3 years old, giving them a structured sales culture and sales approach to profit that fights against poverty and learning environment and help them on develop our talent exclusion. The project also includes their way to primary school. • Manager Essentials is EMEA’s new efforts to help decrease the debt of line manager training programme, individuals as well as providing financial designed to equip managers with the help to access energy over the winter. knowledge, skills and understanding to be successful in their roles. There are modules on core skills, such as coaching and communications, Case studies and on personal effectiveness and talent building. The EMEA region has also embraced Raising financial awareness Heart of Experian in setting up a s in partnership with the UN strong and growing Ambassador Development Programme network (50+ people) spread across Our office in mployee multiple countries to help implement E Turkey carried out global workstreams, such as a project together Recognition, Discover Experian with the Youth and the Employee Deal. Association for Habitat and the United Nations Community Development

Programme, aiming to reach 100,000 young s

t men and women c over a three year nvironmental mpa E I period. Experian Turkey is involved with the financial awareness section of the programme, which reached 2,000 young participants this year. Experian experts held training sessions in financial management in a total of 10

umer s provinces across Turkey. s Con 24 experian Corporate Responsibility 2013 Regional performance 25 Introduction Introduction Telling our of year the story

s

Case studies

mployee E

Moolah Minding in South Africa As part of the Smartbucks – Mind Your Moolah programme, students were transported to screenings on Sunday mornings where they received cold drinks, Community popcorn and VIP-treatment. The film centres on two

disadvantaged youths and was specially produced to heighten the awareness and the importance of financial

planning for disadvantaged students. At the end of the Our performance global s

t film all participants received a book explaining financial c management in a fun and simplified way. Using nvironmental mpa E I cinemas instead of class rooms, and a film instead of a more traditional lecture, was a concerted effort to encourage students to think differently about their financial future. umer s s Con

Environmental Impacts the leader of the business endorsing Consumers New video conferencing equipment his team’s effort saying “This event Experian South Africa played an has been installed in 10 markets encourages people to share ideas active partner role as part of a large during the past year, helping to reduce with their colleagues. People really consumer education programme: Regional performance Regional the need to travel across the region, took it to heart: some cycled to work, Smartbucks – Mind Your Moolah. but still better connecting employees. others took the train or organised car- The campaign reached 15,000 high EMEA is one of the most diverse sharing. Everyone has participated school students and focused on regions in Experian, with more than within their own means.” financial literacy through the launch 20 different markets spread from In Monaco sustainability was an of a brand new film screened at 14 Russia to South Africa. important topic even before the Green cinemas in major cities and malls across the country. We provided The Experian Green Challenge was Challenge and the Monaco Green financial support for the programme actively supported in the region Committee has encouraged a number and a total of 100 volunteers took and, as a result, EMEA saw several of green initiatives such as introducing part. See the case study above for teams and individuals participate in recycling bins and replacing plastic more detail. the campaign. In fact, the team from cups with mugs. Monaco won the global challenge with 26 experian Corporate Responsibility 2013 Regional performance

North america Latin America Region: UK and Ireland EMEA Asia Pacific ASIA Pacific

Business “Our region is at an exciting stage of its development; we’re performance strengthening our position by further embedding ourselves in the context region and we’re thrilled to have launched our new credit bureau in Australia.”

Employees Community Fundraising was for a diverse range The adoption of Heart of Experian Employees across the region took up of causes and saw everything from initiatives was seen throughout the the challenge of doing more this year a team in Melbourne rolling up their Asia Pacific region as employees and volunteering hours and fundraising sleeves and hitting the streets to sell participated in the Green Challenge both increased significantly. It was also bandanas in aid of a cancer charity, and also the Employee Deal video a year when investment in the ‘Room to men across the region growing competition along with other locally to Read’ library development campaign moustaches competitively to raise run activities. came to fruition, with a new community funds during ‘Movember’. A month school library established in Cambodia later our team in Singapore organised a We have continued to invest in and new funds from Experian Group big ‘Christmas Giveaway’. The process developing our people, primarily were secured to fund another project for started with fundraising, the monies through the Engage and Frontline the year ahead. from which were used to purchase a development programmes along with supporting the development requirements of individuals. A new online induction programme was also launched for Asia Pacific. Case studies Environmental Impacts Environment has become a focus for Volunteering for a season our people across Asia Pacific, not only As a result of office discussions about how teams could do for the team managing our offices and more in their communities, the Australia and New Zealand the direct impacts of the energy used team arranged a menu of 18 volunteering opportunities for to heat and cool them. s colleagues to choose from called ‘Heart of the Holidays’. Colleagues in Asia Pacific were 180 people took part, giving over 650 hours to projects as

mployee diverse as hosting parties for aged care clients at a retirement

motivated by our Green Challenge E programme, 136 people signed up village to walking with people at a local manufacturing and formed 19 teams across seven centre for the disabled. There was a huge amount of goodwill countries. Between November and created both within our teams and in our communities. January colleagues completed Team Challenge questionnaires and fun Mini Challenges, focused on improving Community different aspects of their environmental behaviour both at home and work. Earth Hour, a global initiative to raise s awareness about climate change, was t c also enthusiastically embraced! nvironmental mpa E I umer s s Con 26 experian Corporate Responsibility 2013 Regional performance 27 Introduction Introduction

s Case studies mployee E Events to support consumers with their financial awareness In India, consumer awareness about credit bureaux and credit information reports is at a very nascent

Community stage. However, credit information reports have become a very significant part of the loan approval

process. Our Consumer Education events help empower consumers from various walks of life with Telling our of year the story s facts about credit bureaux, credit reports, importance t c of using credit judiciously and benefits of maintaining nvironmental mpa E I credit discipline. This year we have conducted sessions across a number of locations in India and covered a total of 338 participants. We also partnered with the Money Life Foundation to conduct two separate one day events in which consumers had an opportunity to receive their credit report and face- to-face advice on the same day. Advice videos have been produced that star our employees, acting as very convincing consumers with specific debt and social problems. umer s s Con

range of presents. The Experian team Singapore held their annual Experian Consumers spent an afternoon gift wrapping, ‘Care to Share’ Day and colleagues Experian’s Asia Pacific region launched before the presents were delivered to from Malaysia linked up with the a new consumer credit bureau in the local Boys’ Brigade for subsequent Kajang Plantation School in Selangor Australia this year. This important

distribution to beneficiaries, including to help refurbish their canteen and milestone followed regulatory approval Our performance global both the elderly and children. through donations and fundraising to in 2011, with the first phase being provide school supplies and support The total raised across all projects by a negative data consumer credit for a school trip. employees across Asia Pacific was over bureau, providing consumer credit US$25,000 by the end of the year. In India, we encourage our employees reports to clients in the financial, to use their skills to provide advice and telecommunication and utility sectors. Volunteering took off too, with the support focused on our core expertise Australia and New Zealand team hosting This will be followed by positive data of finance and financial education. 11 volunteering events as part of ‘Heart bureau capabilities in March 2014, Seven employees have volunteered of the Holidays’ – a campaign linked to following the passing of the for Experian’s Credit Ambassadors our Heart of Experian programme. Privacy Amendment (Enhancing programme, being trained and Privacy Protection) Bill Australia. equipped to share information on The legislation means lenders will be responsible use of credit, financial able to take into consideration positive management and similar topics credit history as well as negative with their families, friends and credit history when determining an

wider contracts. Colleagues are applicant’s suitability to receive a loan. performance Regional also fundraising and participating in This reform will enable lenders to ongoing support for the Dharavi Slum better assess risk, promote responsible School in Mumbai, which we have been lending, and provide greater protection working with since establishing our to consumers minimising the risk of business in India in 2009. identity theft. The developments in Australia mean that we now operate 19 consumer bureaux across the world. 28 experian Corporate Responsibility 2013 Regional performance

The facts: Data behind our stories

This section summarises our global performance. Please see page 12 to refer to our community investment table.

√ Independently assured by PricewaterhouseCoopers LLP, see page 32. Our Reporting Principles and Methodologies (pages 34-37) set out how we have prepared the data.

key performance indicators

Group employee engagement (%) Male female split in senior Evolution of number of professionals management team (%) in Serasa Experian with disabilities

√ 11 75 12 81 19 √ 1113 2.6% 92 3.3% 1110 72 11 81 19 1112 81 2.9% 1109 72 10 82 18 11 83 3.1% Percentage score calculated by the degree of positive 09 84 16 10 90 3.1% response to a specified range of questions. For further information please refer to our methodology on page 30. male Female 09 88 3.4%

Ethnic diversity US (%) Ethnic diversity UK (%) √ 13 15 6 101 1 68 √ 13 82 5 7 6 12 16 5 8 70 12 83 5 6 6 11 15 6 7 1 70 11 82 5 6 7 10 15 6 7 1 70 10 85 6 6 3 09 14 5 7 73 09 84 6 6 4

american Indian or Alaska Native native Hawaiian / White – British asian / Asian British Asian Other Pacific Islanders White – non British Other black or African American Two or More Races Data received from 41% of UK employees. Comparison data from the UK Office of National hispanic or Latino White (Not Hispanic or Latino) Statistics, Population by Ethnic Group, 2011 : 86% White, 8% Asian, 6% Other. Data received from 87% of Experian North America’s employees. Comparison data from the US Census Bureau, 2010 Census Redistricting data : 75% White, 14% Black or African American, 2% American Indian or Alaska Native, 6% Asian, 3% other.

√ Gender Diversity by region (%) 2013 √ Total age diversity (%) 2013 Diversity profile of the senior leadership team North America 29 51 49 12 17 89 Latin America 51 49 11 16 85 UK and Ireland 62 38 16-19 1 50-59 9 20-24 9 60-65 2 10 16 90 EMEA 55 45 25-34 41 09 14 87 APAC 55 45 35-49 38 Total population Females male Female

12 8 89 √ Age diversity by region (%) 2013 11 8 85 10 6 90 Total 1 9 41 43 38 922 09 4 87 North America 1 7 29 43 16 311 Latin America 1 13 48 33 5 Total population non white caucasian ethnic origin UK and Ireland 1 8 41 41 8 1 APAC 13 61 24 2 EMEA 5 43 44 711

16-19 20-24 25-34 35-49 50-59 60-65 Over 65 28 experian Corporate Responsibility 2013 Regional performance 29 Introduction Introduction

Carbon footprint (000’s tonnes) UK and Ireland Waste (tonnes)

13 54 26 00.016.8 4.6 Buildings 13 63% 556 348 √ Travel

12 53 27 00.017.7 5.0 CO2 emission per Generated Recycled % Recycled US$1,000 of revenue 11 56 22 00.018.4 5.3 (kilograms) 10 59 19 00.020.1 5.3 CO2 emission per full time equivalent 09 59 20 20.2 5.3 employee (tonnes) Where emission factors have changed Experian has applied the most recent factors retrospectively. 2012 restated to remove emissions related to a building in North America on a long-term lease to a third party. Building emissions were previously reported as 56,000 tonnes. Telling our of year the story Total office building energy use Total office building energy use Electricity from data centres normalised by floor area normalised by headcount (million kWh) (kWh per sq ft) (000’s kWh per full time equivalent)

1113 23 1113 4.6 1113 41 1112 25 1112 4.6 1112 41 11 24 11 5.4 11 42 1110 29 1110 6.0 1110 42 1109 5.3 1109 50

CO2 from buildings by region (000’s tonnes) Total CO 2 by region (000’s tonnes) 13 32 16 2 2 2 13 45 21 5 5 4

12 31 16 2 1 3 12 44 21 6 4 5 Our performance global 11 34 16 2 1 3 11 45 21 5 3 4 10 37 18 2 11 10 47 22 5 3 2 09 37 19 11 09 48 23 4 3

north America EMEA asia Pacific north America EMEA asia Pacific uK and Ireland latin America uK and Ireland latin America

Total building energy use normalised Travel CO 2 emissions by region by revenue (kWh per $1,000) (000’s tonnes)

1113 25 13 13 5 3 3 2 1112 26 12 13 5 4 3 2 11 29 11 11 5 3 2 1 Regional performance Regional 1110 33 10 10 4 2 2 1 1109 33 09 11 4 3 2

north America EMEA asia Pacific uK and Ireland latin America

Health and Safety 2013 North America UK and Ireland Latin America EMEA Asia Pacific Total Total number of accidents √ 23 √ 28 √ 43 7 4 105 Accidents with absence 5 1 36 4 1 47 Accidents without absence 18 27 7 3 1 58 Number of days lost 138 147 269 65 0 622 30 experian Corporate Responsibility 2013 Regional performance

Awards: Third Party Endorsements

We’ve won plenty of awards, both globally and regionally, for our success as a sustainable business.

Dow Jones Global FTSE4Good Gold Stevie Award Sustainability Index We have been recognised by the Experian’s freecreditscore.com was Dow Jones Sustainability Indexes FTSE4Good Index Series, following presented with a Gold Stevie Award track the financial performance of the an analysis of our corporate social in the Customer Service & Call Center leading sustainability-driven companies responsibility activities. The category in the seventh annual Stevie worldwide providing asset managers assessment, conducted by Experts Awards for Sales & Customer Service with reliable and objective benchmarks in Responsible Investment Solutions last month. Over 1,100 entries from to manage sustainability portfolios. (EIRIS) measures the Environmental, organisations of all sizes and in virtually Our overall score was within 10% of Social and Governance risk and every industry were submitted to this the best scoring company in the World performance of over 2,400 companies year’s competition. The Stevie Awards Index and 22% above the average. globally against key areas including for Sales & Customer Service are the We have improved in the economic environmental management, climate world’s top sales awards, contact centre and environmental dimensions with a change, human and labour rights, awards, and customer service awards. particular uplift in our environmental supply chain labour standards and reporting performance. countering bribery.

Personal Finance Education Group National Foundation for One of Britain’s most Our new teaching resource for primary Credit Counseling admired companies school children – Values, Money and Maxine Sweet, our Vice President For the second year running, our UK Me – has been awarded a Quality Mark of Public Education, was recently business has been voted one of Britain’s by pfeg, the UK’s Personal Finance recognised by the National Foundation most admired companies which is a Education Group. The pfeg Quality for Credit Counseling (NFCC) with huge achievement. And, for the second Mark accreditation system ensures that its Making the Difference Award year running this means that we’re resources and materials for teaching during the organisation’s 47th Annual in the top 10% in the Britain’s Most financial capability are suitable, Leaders Conference in Charlotte, North Admired Companies league table. effective and of the highest educational Carolina Introduced in 2005, the NFCC’s We were ranked 23rd out of 250 big quality. To date, only 100 carefully Making the Difference Award honours businesses beating a number of major selected resources have been awarded individuals who have made significant household names in the process. the Quality Mark and it’s great to see contributions to assisting consumers Experian’s teaching resource included with financial literacy, awareness in this selection. and education, furthering the NFCC’s mission, vision and programmes through a national presence. 30 experian Corporate Responsibility 2013 Regional performance 31 Introduction Introduction

Environmental Agency Carbon Disclosure Leadership Index International Organization for We were ranked 18th out of 2,097 The CDP is an independent not-for- Standardization companies in the 2011/2012 Carbon profit organisation holding the largest This is an internationally recognised Telling our of year the story Reduction Commitment League database of primary corporate climate environmental standard which provides Table, which ranks the performance change information in the world. The general guidelines to deliver an effective of participants in the UK’s Energy Carbon Disclosure Leadership Index Environmental Management System. Efficiency Scheme. We scored higher assesses the quality of reporting We are certified to ISO14001 in our six than government organisations such on climate change issues. In 2013, main offices in the UK accounting for as UK government’s own Environment we made improvements in energy the environmental impact of 60% of the Agency, as well as companies such efficiency and we reduced our absolute UK and Ireland’s office estate. as PricewaterhouseCoopers LLP, emissions by 4.5% compared with the KPMG and RBS. previous year. Our performance global

The Singapore Human Great Place to Work Institute 100 Best Companies to Work For Resource Institute Serasa Experian was ranked 20th Serasa Experian is one of the 100 The Singapore Human Resource best company to work for in the field Best Companies to work for in Brazil, Institute awarded our Singapore office of IT & Telecom in Brazil. The survey according to a survey conducted by with the Leading Practices Award in was organized by the Great Place the Great Place to Work Institute and Corporate Responsibility. to Work Institute and published by published by Época magazine. Computerworld Now! The Singapore HR Awards celebrates leading organisations and HR practitioners in their drive for impactful human capital strategies. Regional performance Regional This award recognises our work in 1,000 Biggest and Best Companies Human Resource Professionals Asia Pacific which ranges from Serasa Experian was ranked as one of The Human Resources support at supporting the building of a school the 1,000 Biggest and Best Companies Serasa Experian was rated as one of and library in Cambodia; raising in Brazil. It was ranked 255th in the year the most admired by Human Resource funds for flood and Tsunami victims; book “Value 1000”, published by the professionals in Brazil. The national volunteering in soup kitchens and old newspaper Economic Value. survey was performed by the HR people’s homes, through to hosting Management Company, for managers micro financing workshops. of people and meant Serasa Experian was featured in the “1000 Biggest and Best Companies” (Exame Magazine), the “Best Companies to Work For” listing (Época Magazine) and the “150 Best Companies to Work For” ranking (S/A – Exame Magazine). 32 experian Corporate Responsibility 2013 Appendices

Independent Assurance Report to the Directors of Experian plc

The Directors of Experian plc (“Experian”) engaged us to provide limited assurance on the information described below and set out in Experian’s Corporate Responsibility Report 2013 for the year ended 31 March 2013.

What we are assuring Understanding reporting and Work done (“Selected Information”) measurement methodologies Considering the risk of material The selected corporate responsibility There are no globally recognised and misstatement of the Selected (CR) data for the year ended established practices for evaluating and Information, we: 31 March 2013 marked with the measuring the Selected Information. • made enquiries of Experian’s symbol √ presented in the Corporate The range of different, but acceptable, management, including those with Responsibility Report 2013. The scope techniques can result in materially responsibility for CR management of our work was restricted to the different reporting outcomes that and reporting, at group and regional Selected Information for the year ended may affect comparability with other levels; 31 March 2013 and does not extend to organisations. The Reporting Principles • evaluated the design of the key information in respect of earlier periods and Methodologies used as the basis of structures, systems, processes and or to any other information in the Experian’s reporting should therefore be controls for managing, recording and Corporate Responsibility Report 2013. read in conjunction with the Selected reporting the Selected Information. Information and associated statements This included analysing performance How the information is assessed reported on Experian’s website. (“Reporting Criteria”) within each of Experian’s five regions selected on the basis of their inherent We assessed the Selected Information risk and materiality to the group, using Experian’s Reporting Principles to understand the key processes and Methodologies as set out on pages and controls for reporting site 34 to 37 of the Corporate Responsibility performance data to the group CR Report 20131. team; Professional standards applied2 and • performed limited substantive testing level of assurance3 on a selective basis of the Selected We have used ISAE 3000 (limited level Information at corporate head office of assurance) and we have complied and accessed the records, and with the ICAEW Code of Ethics. discussed with relevant staff of twelve reporting locations to check that data had been appropriately measured, recorded, collated and reported; and • assessed the disclosure and presentation of the Selected Information. 32 experian Corporate Responsibility 2013 Appendices 33 Introduction Introduction Telling our of year the story

Experian’s responsibilities Our conclusions The Directors of Experian are As a result of our procedures nothing responsible for: has come to our attention that indicates • designing, implementing and the Selected Information for the year maintaining internal controls ended 31 March 2013 has not been over information relevant to prepared in all material respects with the preparation of the Selected Experian’s Reporting Principles and Information that is free from material Methodologies. misstatement, whether due to fraud This report, including our conclusions, or error; has been prepared solely for the Directors • establishing objective Reporting of Experian as a body in accordance with Principles and Methodologies for the agreement between us, to assist preparing the Selected Information; the Directors in reporting Experian’s 1. The maintenance and integrity of Experian’s

corporate responsibility performance Our performance global • measuring Experian’s performance website is the responsibility of the Directors; based on the Reporting Criteria; and and activities. We permit this report to be the work carried out by us does not involve disclosed in the Corporate Responsibility consideration of these matters and, accordingly, • the content of the Corporate we accept no responsibility for any changes Report 2013 for the year ended that may have occurred to the reported Selected Responsibility Report 2013. 31 March 2013, to enable the Directors Information or Reporting Criteria when presented on Experian’s website. Our responsibilities to show they have addressed their governance responsibilities by obtaining 2. We have complied with International Standard We are responsible for: on Assurance Engagements 3000 – ‘Assurance an independent assurance report in Engagements other than Audits and Reviews of • planning and performing the Historical Financial Information’ issued by the connection with the Selected Information. IAASB, and with the applicable independence engagement to obtain limited To the fullest extent permitted by law, and competency requirements of the Institute assurance about whether the of Chartered Accountants in England and we do not accept or assume responsibility Wales (ICAEW) Code of Ethics. To comply with Selected Information is free from to anyone other than the Directors as a those standards, our work was carried out by material misstatement, whether due an independent and multi-disciplinary team of body and Experian for our work or this sustainability and assurance specialists. to fraud or error; report except where terms are expressly 3. Assurance, defined by the International Auditing • forming an independent conclusion, agreed between us in writing. and Assurance Standards Board (IAASB), gives the user confidence about the subject based on the procedures we have matter assessed against the reporting criteria. Regional performance Regional performed and the evidence we have Reasonable assurance gives more confidence than limited assurance, as a limited assurance obtained; and PricewaterhouseCoopers LLP engagement is substantially less in scope in • reporting our conclusion to the Chartered Accountants, London relation to both the assessment of risks of material misstatement and the procedures performed in Directors of Experian. 8 May 2013 response to the assessed risks. 34 experian Corporate Responsibility 2013 Appendices

Reporting principles and methodologies

This section sets out the principles and methodologies we use in reporting the data relating to our corporate responsibilities in our annual CR report.

Our general reporting principles Reporting specifics and methodology Parameter: Age profile

We endeavour to ensure that: Employee diversity • Definition: The percentage of employees belonging to specific age groups per region, • the reported information reflects our Parameter: Headcount on the last day of February in the financial performance and serves the decision-making year. Age groups are defined as follows: 16–19, needs of all users. • Definition: The total number of employees on the last day of February in the financial year. 20–24, 25–34, 35–49, 50–59, 60–65 and Over 65 • the data is meaningful and is consistent with years. the stated definitions, scope and boundaries. • Scope: All employees in each region – excludes contractors and other contingent workers. • Scope: All employees in each region – excludes • any specific exclusions are stated clearly and contractors and other contingent workers. explained. We use consistent methodologies • Units: Number of employees. Calculated for all regions. wherever possible to allow for comparisons • Method: Sum of employees per region. Each • Units: Percentage (%). over time and if we make any changes they are employee is treated as one person regardless transparent to all users. of the contractual hours worked (i.e. a part time • Method: Percentage – calculated as number staff member is treated as a whole individual). of employees for specified age group divided • we describe openly any assumptions we make by total number of employees (calculated and our accounting and calculation methods. • Source: Reported from HR database systems. on a headcount basis – refer to definition of • we aim for sufficient transparency to enable headcount above). users to have confidence in the integrity of our Parameter: Gender split • Source: Reported from HR database systems. report. • Definition: The percentage of male or female employees per region, on the last day of Parameter: Ethnic diversity Uncertainty and estimates February in the financial year. • Definition: The percentage of employees Every effort has been made to capture all relevant • Scope: All employees in each region – excludes belonging to specific ethnic groups, on the last data, but it is not feasible or practical to capture contractors and other contingent workers. day of February in the financial year. There is no everything. Where we have made estimates to Calculated for all regions. standard global definition of ethnic groups – as cover such occasions we make this clear in the such, distinct ethnic groups have been defined criteria and where we deviate from this we will • Units: Percentage (%). for the reporting countries. give a further explanation in the relevant section of the report. • Method: Percentage – calculated as number • Scope: All employees – excludes contractors of employees for specified gender divided and other contingent workers. Calculated by total number of employees (calculated Re-statement of reported data and reported for UK and US only. Due to the on a headcount basis – refer to definition of voluntary nature of ethnic identity disclosure Where information is available, we will restate headcount above). by employees, there is a proportion of the figures in prior years to make data as comparable • Source: Reported from HR database systems. employee population whose ethnic grouping is between years as possible. Please see the section unknown. below on carbon emission reporting for full details of changes due to emission factors. Parameter: Women in senior management • Units: Percentage (%). positions • Method: Percentage – calculated as number of Reporting boundaries • Definition: The number of women in senior employees for specified ethnic group divided management positions, on the last day by total number of employees (calculated • Our business is managed and reported on a of February in the financial year. A senior on a headcount basis – refer to definition of regional basis. We therefore manage, gather management position is defined as being headcount above). and report CR data either for Experian as a either a senior grade or being a position on the whole or on a regional basis. We do not report executive management team of a region’s main • Source: Reported from HR database systems. on a legal entity basis. business unit.

• The Experian Group is comprised of five • Scope: All employees in each region – excludes regions: North America, Latin America, UK contractors and other contingent workers. and Ireland, EMEA and Asia Pacific. Unless Calculated for all regions. otherwise stated, for CR reporting purposes, the North America region includes Costa Rica • Units: Number of employees or percentage (%). and Chile – this is consistent with Financial Reporting. • Methods: Number of employees – sum of women in senior management positions. • Where we have the controlling stake in an Percentage – calculated as number of women acquired business but not the whole entity, we in senior management positions divided by state actual or estimated figures for the whole total number of senior management positions. of the entity. Calculated on a headcount basis – refer to definition of headcount above.

• Source: Reported from HR database systems and with reference to organisational charts. 34 experian Corporate Responsibility 2013 Appendices 35 Introduction Introduction Telling our of year the story

Parameter: Numbers of employees with while Computec reports directly to the Health Community investment disabilities and Safety Advisor. Parameter: Funds from Experian plc • Definition: The number of employees declaring »» UK and Ireland: Accidents with absence themselves as disabled, on the last day of and numbers of lost days are reported • Definition: Donations made by Experian plc, February in the financial year. The following from HR database systems. Accidents taking any of the following forms: categories of disability are recognised: without absence are comprised of all other 1. Direct donations to regional charity or not- physical, hearing, visual and learning accidents, as reported through a health and for-profit organisations; or difficulties. safety reporting tool. 2. Monetary transfers to an Experian subsidiary • Scope: All employees – excludes contractors »» EMEA: Accidents with absence / with no for onward donation to relevant local charity and other contingent workers. Calculated and absence and number of lost days due to or not-for-profit organisation (includes reported for Brazil only. absence from the workplace are reported internal support costs of delivering a monthly by local site managers to the UK charitable project); or • Units: Number of employees. based analysis team, which then produces • Method: Sum of employees per disability an annual report for the H&S Advisor. 3. Monetary transfers to an Experian subsidiary to invest in development of a category. Calculated on a headcount basis – »» Asia Pacific: Accidents with absence / with refer to definition of headcount above. ‘Big Idea’ (a project of social value) including no absence and number of lost days due to payments to a third party to realise the ‘Big • Source: Reported from HR database systems. absence from the workplace are reported Idea’; or annually by local site managers to the

Health and Safety Advisor. 4. Payments to a third party and internal costs Our performance global Health and safety related to the capacity development for Parameter: Accidents with and without absence Employee engagement further ‘Big Ideas’ and integrated business and number of lost days. developments. Parameter: Percentage of employees deemed to • Definition: Reported accidents leading to be engaged with the company • Scope: Monetary donations incurred by absence from work / no absence from work Experian plc. Donations are recognised from and reported number of lost days related to • Definition: Employee engagement is determined the point of instructing the Finance department accidents with absence. We do not report on based on employee responses to eight questions to carry out the transaction. Recognised occupational illnesses. in a wider employee survey, where employees are donations include funds transferred to an requested to state level of their agreement with a Experian subsidiary for onward donation but • Scope: All employees in North America, Latin statement. The specific statements/questions are: accrued. America, UK and Ireland, and EMEA. Reporting for Asia Pacific only includes Australia, China, 1. I would recommend Experian to my friends • Units: Reported in US Dollars (all translations Japan and Malaysia. and family as a great place to work. to US Dollars are carried out at the Group’s defined average exchange rate for the reporting • Reporting covers all Experian employees, with 2. It would take a lot to make me look for period. the exception of UK and Ireland which includes another employer. contractors in addition. 3. Experian energises me to go the extra mile.

• All regions reported for accidents that have 4. I am willing to work beyond what is required occurred in the workplace and accidents that in my job in order to help Experian succeed. have occurred on a journey to or from the workplace or while on business travel. 5. I believe strongly in the goals and objectives performance Regional of Experian. • Units: Number of accidents leading to absence from work / no absence from work and number 6. I am proud to be associated with Experian. of lost days due to accidents with absence. 7. I understand how I can help Experian • Method: Reported by Health and Safety achieve its goals. Advisors as follows: 8. At the present time, are you seriously »» North America: Accidents with absence considering leaving Experian? are comprised of injury claims that involve a period of absence from the workplace. • Scope: All employees with at least three Accidents without absence are comprised of months’ service at November 2011 (including all other injury claims that relate to accidents contractors paid through an Experian payroll). at work excluding occupational illnesses. All • Units: Percentage of employees giving a workers’ compensation claims for the US and favourable response (agree or tend to agree). Canada are managed by external insurance providers. Accidents in Chile and Costa Rica • Method: Measured by a full survey every 18 are reported by local site managers. months. Survey sent to 14,558 employees in November 2011, analysed by a third party, »» Latin America: Serasa reports all accidents Towers Watson. through our health and safety reporting tool, 36 experian Corporate Responsibility 2013 Appendices

Reporting principles and methodologies

Parameter: Financial donations and investments Parameter: Gifts in kind Waste from Experian subsidiaries • Definition: Monetary value of physical Parameter: Waste generated, waste recycled and • Definition: Monetary donations and assets, products or services and associated recycled rate. investments from an Experian subsidiary consultancy services donated by Experian towards local community projects/charities subsidiaries for community initiatives. • Definition: Waste generated reported as and commercial initiatives in the communities Community initiatives are defined as activities the result of total waste to landfill and total as defined by the subsidiary’s regional giving to benefit not-for-profit organisations, local waste recycled. Waste recycled is reported policy. Recognised donations and investments government programmes and charities. as the total waste recycled including all the include: different recycling indicators collected in our • Scope: Gifts in kind donations taking place CR database. Recycling rate is reported as the »» matched-funding (monies donated to a within the reporting period. Recognised percentage of total waste recycled from the not-for-profit organisation/charity by an donations exclude monetary donations and total waste generated. Experian subsidiary to match funds raised by employee time volunteered, but include use of an employee); Experian products and associated consultancy • Scope: 90% of our UK and Ireland portfolio. services. »» funds to support education (scholarships) • Units: Waste generated and waste recycled are for young people identified through local • Units: Reported in US Dollars (all translations reported in tonnes. Recycled rate is reported as programmes as especially needy; to US Dollars are carried out at the Group’s a percentage. defined average exchange rate for the reporting • Method: The waste contractors send monthly »» donations supporting education initiatives period). e.g. sponsorship of financial literacy events; figures for mixed recycling, confidential paper • Method: Valued as the cost to Experian shredded it and landfill waste to the Facilities »» value of commercial initiatives in the subsidiaries (for example, written down cost of Management Contractor who uploads them community, specifically the costs incurred fixed asset and internal cost). into the CR database system. Figures are that lead to benefit for the community. checked and approved by the Environmental Officer who generates an annual report with • Scope: Monetary donations incurred Parameter: Management costs the totals. by Experian subsidiaries (donations are recognised once the transaction has been • Definition: Monetary value of staff time executed/payment made); and cost of spent managing the Group’s involvement Carbon emissions commercial initiatives in the community. in community initiatives and in developing and coordinating volunteering opportunities Definition • Method: For commercial initiatives in the for employees. Community initiatives are The amount of carbon dioxide emissions community, where it is not possible to clearly defined as activities to benefit not-for-profit (CO2) emitted during a financial year (1 April distinguish costs between those resulting in organisations, local government programmes to 31 March) as a result of operational activities community benefit or commercial benefit, and charities. undertaken by our Group. By this we mean all we subtract any realised revenues from the • Scope: Management costs relate to time spent operations under management control of the specific initiatives and recognise 50% of the Group. Where operations are not wholly owned remaining amount (exclusive of any applicable by employees committed towards managing and developing activities as described above but are controlled by the Group we report on 100% taxes) as the investment value from Experian of the emissions for that operation. CO is the only benefitting the community. within the reporting period. Excludes employee 2 time volunteered. greenhouse gas that we measure in our carbon • Units: Reported in US Dollars (all translations footprint. to US Dollars are carried out at the Group’s • Units: Reported in US Dollars (all translations defined average exchange rate for the reporting to US Dollars are carried out at the Group’s Frameworks and principles: period) defined average exchange rate for the reporting period). We have adopted a methodology that is based on well established frameworks. These Parameter: Employee time volunteered • Method: Employee time multiplied by employee include the UK Government’s Greenhouse Gas hourly salary. • Definition: Monetary value of employee time Reporting Guidelines (DEFRA, August 2012) and spent volunteering on community initiatives internationally recognised guidelines such the during working hours. Includes both manual Parameter: Employee fundraising WRI/WBCSD Greenhouse Gas Protocol (GHG Protocol). and skilled volunteering. Community initiatives • Definition: Funds raised and goods donated are defined as activities to benefit not-for-profit by Experian employees for local community As our approach to carbon measurement organisations, local government programmes projects/charities as defined by the subsidiary’s becomes more established and the operational and charities. regional giving policy (largely comprised of scope of reporting expands, we will seek to align • Scope: Employee volunteering taking place not-for-profit organisations, local government our reporting with the guidelines set out in the during working hours for the reporting period. programmes and local charities). GHG Protocol Corporate Standard, in accordance with recommended good practice. Employee volunteering includes time spent on • Scope: Funds raised are recognised for the setting up community initiatives. reporting period and include payroll giving. • Units: Reported in US Dollars (all translations Employee fundraising is identified when to US Dollars are carried out at the Group’s employees request match-funding. Also defined average exchange rate for the reporting includes amounts raised to support disaster period). relief appeals. • Units: Reported in US Dollars (all translations to US Dollars are carried out at the Group’s defined average exchange rate for the reporting period).

• Method: Donated items are valued based on standard rates using guidance provided by local agencies eg US food banks advise $1 per pound weight of food, UK charity shops give an average sale value across a number of donated items. 36 experian Corporate Responsibility 2013 Appendices 37 Introduction Introduction

Coverage: There are a number of sources of emissions that Emissions calculation methodology: are excluded: We report two main sources of CO2 emissions: Our carbon emissions are calculated by • Other business travel: Includes travel by multiplying publicity available emission factors • Emissions from buildings (namely, electricity, employees in their own cars, hire cars, rail by collated energy and travel data. Data collated gas, district heating and oil used in offices and journeys and taxi journeys. is comprised of power and fuel usage (electricity, other premises). natural gas, district heating and fuel oil) for • Refrigerants: A significant volume of • Emissions from transport (namely, business air energy in buildings and distance travelled for air refrigerants are used for air conditioning and road business travel. travel and petrol and diesel used by company and cooling, particularly within data centre owned vehicles). facilities. These are closed systems and Emission factors are derived from the UK We apply the following measurement and emissions of greenhouse gases are considered Government’s 2012 Guidelines to Defra / DECC’s estimation processes for our carbon footprint: to be negligible and are not measured. The GHG Conversion Factors for Company Reporting. Telling our of year the story lifetime impact and carbon credentials of Key assumptions in using the Defra factors are • We aim to collate data from at least 75% of the hardware and building systems are considered as follows: Group as defined by floor space area of our at point of purchase. offices and data centres, across the total of all • Grid electricity: We have applied the UK, US our geographic locations. • Supply chain and outsourced activities: and Brazil electricity emissions factors for Experian acknowledges that it can influence the UK and Ireland, North America and Latin • In order to represent the impact of the whole suppliers to take action to reduce their carbon America regions, respectively. For EMEA and Group, a scaling factor is applied to the emissions. We also recognise there are Asia Pacific, we have applied the EU-27 and measured emissions based on representative difficulties gathering accurate and reliable China electricity emissions factors. These data collected from each region and the floor data, particularly as our suppliers are generally represent best fits from the list of available space area. The aim is to account for the substantial and provide services to a number emissions factors from the Defra guidelines. impact of the offices from which data was not of other companies. Carbon dioxide equivalent collated. emissions from these activities are not • District Heating: We have applied the latest currently measured. emission factor available for this source as per • Data for the final month of the reporting period Defra guidelines. This includes an adjustment (March 2013) has been estimated based on for assumed energy losses. prior year actual values for the same month, or Baseline: a scaling factor where these are not available. • Distance travelled is used to calculate • We do not report our carbon footprint against emissions for company owned and leased • We are gradually increasing the amount of a baseline year, instead favouring an approach vehicles, using the ‘average’ factor for vehicles data being collated and therefore reported that reports year-on-year performance on an of each fuel type. emissions are becoming more robust. This can absolute (i.e. total emissions) and normalised

affect the trends reported between years. basis (i.e. as a function of revenue and average • Distance travelled is used to calculate Our performance global full-time employee numbers) to take into emissions for passenger air travel. Short haul • Data centres are high energy consumers and account growth and other changes to the is defined as flights up to 3,700km; long haul as are not representative of our general office business. flights over 3,700km, using the ‘average’ factor usage. Data centres are excluded prior to for class of travel. applying a scaling factor and are subsequently • For significant changes in the Group’s added back. We have also continued this year composition, emissions associated with While we recognise there is some variation in the to apply a scaling factor based on floor space the operation acquired or disposed of are emissions associated with different fuel types area rather than headcount as per periods prior separately identified to enable users of the data in different countries, owing to the specific local to April 2010. We have been unable to apply to identify trends on a like-for-like basis with composition of the fuel, such as the proportion of these improved methodologies retrospectively, historical data. Significant change is defined as bio-fuel in vehicle fuel, for the purposes of carbon making it less easy to judge our performance one that changes the workforce by +/- 10%. reporting, a consistent approach using the same against years prior to April 2010. factor for each fuel is adopted globally.

• The floor space area data used in determining Where possible, fuel or energy use is based on the scaling factor is adjusted to exclude the purchase invoices or actual mileage data; in other following: land, property owned by Experian cases it has been necessary to obtain estimates. but leased to 3rd parties (i.e. not occupied by Experian) and unoccupied sites no longer Prior year adjustments and restatements for in use .These are expected to have minimal changes in conversion factors: contribution to Experian’s carbon footprint. Where information is available, prior year figures • Floor space in respect of acquired businesses have been restated to comply with the current is included in the scaling calculation from the year reporting policy. performance Regional point that Experian takes financial control of the business. Travel data is included in the year The most recent set of chosen DEFRA emission following acquisition of a business. factors is used and applied retrospectively to historical data. Disposed businesses are included within carbon reporting until the point that Experian relinquishes financial control. No adjustment is made to prior year comparatives in respect of discontinued or disposed operations. Corporate Corporate Operational headquarters office headquarters

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