Sharesave. Too good to miss! Sharesave2010

Don’t forget –
apply for Sharesave by
5pm on Wednesday 16
June 2010!
Sharesave.
Too good to miss!
You choose how long you want to save –
either 3 or 5 years – nothing could be easier!
Sharesave2010
Saving made easy

Sharing in our future
Welcome to Sharesave 2010. This is a great opportunity for you to own a part of Experian
and to share in our future success without any financial risk to you. This booklet will tell you
everything you need to know about the plan and I encourage you to read it carefully.
Over the past two years we have had to deal with very tough market conditions, but we have
continued to grow our business and to extend our competitive lead. As we emerge from the
global economic downturn, we do so as a stronger business and with a clear focus on those
strategic priorities that will help us return the business to higher levels of growth.
Investing in our Sharesave plan means choosing to take a direct stake in Experian’s future
and profiting from our growth.
Don Robert
What is Sharesave?
The Experian Sharesave Plan
is an opportunity for you to
purchase Experian shares
in either 3 or 5 years time at
a 20% discount to the share
price announced on 1st June
2010. Sharesave allows you to
share directly in the success
of Experian through the growth
potential of Experian shares.
Sharesave allows you to benefit
from a tax-free HM Revenue
& Customs (HMRC) approved
saving scheme into which you
make regular savings directly
from your monthly salary for a
set period of time.
Experian shares are traded
on the London Stock Exchange
under the name Experian plc
(ticker symbol EXPN). You
can view the current Experian
share price online at
www.experianplc.com.
Too good to be true?
No. Sharesave is a flexible,
safe, and convenient way of
saving money.
● You can chose how much
you can afford to save,
within the set limits.
● You have the opportunity
to suspend savings for
up to 6 months if your
circumstances change.
● You can choose to save
over a 3 or 5-year period.
● If you choose a 5-year
savings period you will
receive a tax-free savings
bonus which can be used
to purchase additional
Experian shares, or you can
extend the saving period
for a further 2 years in order
to take advantage of an
additional tax-free savings
bonus.
● You can choose from one
of four alternative courses
of action to follow with your
saving proceeds.
● You are not committed to
purchasing Experian shares
at the end of the savings
period.
● There are flexible and easy
ways to apply to join the
Plan, either online or via
text message.
● Savings are automatically
deducted directly from your
pay on a monthly basis.
● There is a simple way
to buy and sell Experian
shares at the end of the
savings contract.

Here’s how it works
Decide how much money you wish to save each month
(subject to the minimum and maximum limits).
The option price is set using recent share prices and
applying a 20% discount.
You choose a 3 or 5-year saving period.
Your savings account is automatically credited with any
tax-free savings bonus due at the end of your savings period.
Use the money in your savings account to buy shares at the
option price set at the start of the savings period.
Either, hold on to the shares or sell the shares straight away
OR
Close your savings account and have your savings plus any
tax-free bonus due repaid to you.

Taking part – as easy as 1, 2, 3
Step 1 – Apply
At the outset you apply to join
the Plan following the process
set out in this brochure. In
making an application you must
decide:
● How much you wish to save.
The amount you save is your
choice, subject to minimum
and maximum limits set by
HMRC (i.e. £5 to £250 per
month) and any ongoing
savings under previous
Experian Sharesave Plans.
● How long you wish to
save for i.e. 3 or 5 years.
Having committed to the
savings period you cannot
vary the amount of the
monthly savings but you
may withdraw your savings
and close your account at
any time or suspend your
savings for up to 6 months.
● Whether to apply online or
via text message.
Step 2 – Savings accumulate
The monthly saving you will
make will be automatically
deducted from your monthly
salary over the savings period.
So sit back, watch your savings
accumulate and plan for the
future.
Step 3 – Decide
At the end of your saving
period your saving account is
automatically credited with any
tax-free savings bonus due. The
savings bonus is equivalent to
1.8 x your monthly savings if you
save for a 5-year period.
If you save for a 5-year period
you will have the added
opportunity to leave your
savings in your sharesave
account for a further 2 years
and benefit from an additional
tax-free savings bonus of 3.1
x monthly contributions after
the 7-year period. No further
savings can be made during this
additional 2-year period and you
will not be able to exercise your
option to buy Experian shares.
The value of Sharesave
700.0
600.0
500.0
400.0
300.0
200.0
Experian’s share price relative to the
FTSE 100 index since demerger in 2006
● Experian plc
● FTSE 100
01.07.07 01.04.08 01.01.09 01.10.09
Note: This is not an indication of future performance as the share price can go down as well as up.
Assuming you do not extend
your 5-year savings period, you
will have your tax-free bonus
credited to your account at the
end of the 5-year saving period.
You will then be asked to make
one of the following choices
related to your savings account:
Choice 1: To use your savings
plus any tax-free bonus due to
purchase Experian shares at the
discounted share price and to
hold these shares for the future.
Choice 2: To use your savings
and any tax-free bonus due to
purchase Experian shares at
the discounted share price and
to sell these shares straight
away in order to generate an
immediate financial gain.
Choice 3: To close your savings
account and have your savings
and any savings bonus repaid to
you to use in other ways.
Choice 4: A combination of
the above. If you buy only part
of the shares reserved for you,
the balance of your options will
automatically lapse and all your
savings not used to buy the
shares will be repaid to you.
In October 2006, Experian
successfully demerged from
GUS plc and listed on the
London Stock Exchange.
Following demerger Experian
has continued to grow
and since the start of 2009,
Experian’s share price has
consistently outperformed
the FTSE 100 index. Through
Sharesave you can buy
Experian plc shares at a
discounted price and share
in the success of Experian
through the growth potential of
its shares.

How it all adds up
The following examples are based on assumed share prices and saving levels:
Assume: ● that you want to save £100 per month
● that you want to save for 3 years (36 monthly payments of £100)
● that the share price when the option price is calculated is £6.00 per
share. After applying a 20% discount the option price is £4.80.
Savings fund: £100 x 36 months = £3,600
Total savings: £3,600
£3,600: buys you 750 shares (at the discounted price of £4.80)
Assumed share price at
end of savings period
Shares bought for
(750 shares purchased for
£4.80 per share)
Value of shares at end of
savings period:
(750 shares x assumed share
price at end of savings period)
£ 8.00 £ 3,600 £ 6,000 £ 2,400
£ 7.00 £ 3,600 £ 5,250 £ 1,650
£ 6.00 £ 3,600 £ 4,500 £ 900
£ 5.00 £ 3,600 £ 3,750 £ 150
Profit/Loss on selling
straight away
(difference between selling
price and purchase price)
£ 4.00 £ 3,600 £ 3,000 £ 600 (loss)
The table above uses different
assumed share prices at the
end of the savings period to
show example values of shares
at the end of the savings period.
If you opt for choice 1, you will
hold on to the shares purchased
for the future, although their
value will change as the share
price continues to change.
Under choice 2, you will sell
the shares you have purchased
straight away, at their current
value, to generate immediate
financial gain. This is only worth
doing if the share price is above
the option price (i.e. £4.80 in
this example).
With choice 3, you can
withdraw your accumulated
funds. This is only worth doing
if the share price at the end
of the savings period is less
than the option price set at the
beginning.
Savings table
Set out below is more detailed information showing what your savings and any tax-free bonus payment
due will be assuming different monthly savings over different savings periods.
Sharesave
contract
Bonus
3-year savings contract
5-year savings contract
payments N/A
1.8 x monthly bonus payments
Monthly Savings after Bonus after Total after Savings after Bonus after Total after
savings 3 years 3 years 3 years 5 years 5 years 5 years
£ 10 £ 360 N/A £ 360 £ 600 £ 18 £ 618
£ 50 £ 1,800 N/A £ 1,800 £ 3,000 £ 90 £ 3,090
£ 100 £ 3,600 N/A £ 3,600 £ 6,000 £ 180 £ 6,180
£ 200 £ 7,200 N/A £ 7,200 £ 12,000 £ 360 £ 12,360
£ 250 £ 9,000 N/A £ 9,000 £ 15,000 £ 450 £ 15,450

How to join
Before joining
● Decide how much you
want to save: £5 – £250 per
month.
● Your total savings
(including ongoing
savings under the previous
Experian Sharesave
Plans) cannot exceed £250
per month.
● Decide how long you want
to save, either 3 or 5 years.
To apply
Apply online: at
www.experiansharesave.com
and follow the instructions
on the screen. You will need
your account number, which is
shown on the letter received
with this brochure and your
NI number, which is shown on
your payslip.
2010 Timetable of events
Apply by text message:
Send the following text
message to 84247
● Experian3 (for a 3 year
Plan) OR Experian5 (for a
5 year Plan) (space)
● Your Sharesave account
number, which is shown
in the letter you received
with this brochure (space)
● Your NI number (space)
● The amount you would like
to save each month
For example: Experian3
12345678910 AB123456C 50
By registering by text, you
apply join the Sharesave plan
which is run in accordance
with the Plan rules on which
we intend to rely. For your
own benefit you should read
these rules carefully before
applying. Texts will be charged
at your standard network rate.
Date Event
1 June 2010 Sharesave offer period opens
1 June 2010 Option price announced
16 June 2010 Closing date for applications
Mid July 2010 Share Option Certificates issued
August 2010 Salary deductions commence
1 September 2010 Savings contract starts
If you are unable to apply
either online or by text, either
download an application form
from the intranet or please
request a paper application
form by phoning Louisa
Harrison on 020 3042 4360.
After joining
You will receive a Share
Option Certificate in July 2010
showing the number of shares
that you have been granted an
option over. Payroll will make
the first deductions from your
salary in August 2010 for your
saving contract to commence
on 1 September 2010.
All applications must
be received no later
than 5pm on Wednesday
16 June 2010.

Frequently asked questions
Who can join?
Everyone employed by Experian
on 1 June 2010.
How much can I save?
You can save any amount
between £5 and £250 per
month.
I am saving the maximum
£250 and my 2005 5-year Plan
or 2007 3-year Plan matures
this year. Can I join this
year’s Plan?
Yes, provided that you have not
missed any contributions, your
last payment will be deducted
from your July salary. You
would, therefore, have the same
amount available to join the
2010 Plan. Savings made under
the 2007 5-year, 2008 3-year,
2008 5-yr, 2009 3-year and
2009 5-year Plans will count
toward your £250 monthly limit.
How do I save?
If you decide to participate in
Sharesave, Experian will make
deductions from your net pay
each month. This payment is
credited to a special Sharesave
account in your name.
Can I change the amount of
my payments?
No. Once you have agreed the
amount that you want to save,
it is fixed for the duration of the
saving period. However, you
may be able to make additional
savings in future years if further
offers under Sharesave are
made. The amount that you
save under any future offers
will be limited by the maximum
monthly savings amount.
Can I stop saving?
Yes. You can stop saving at
any time and miss up to 6
months contributions. Each
missed contribution will delay
completion of your savings and
the maturity date by one month.
If you do stop altogether or
miss more than 6 contributions,
your option to buy shares
will lapse. However, you will
receive a repayment of your
contributions together with any
interest due to you.
What interest will I get if I
stop saving?
If you decide to stop saving
before you complete the option
period, you may withdraw your
savings. However, all your
savings will be repaid without
interest.
How do I know how much
I’ve saved?
Equiniti, who administer
Sharesave on Experian’s behalf,
will send you a statement
each year that will show the
amount credited to your savings
account.
How many shares will I have
under option?
This depends upon how much
you save, your chosen savings
period and the option price.
However, before your savings
contract starts, you will be sent
a Share Option Certificate,
which will show the date the
option was granted, the number
of shares that you can buy, the
price at which you can buy them
and when you can buy them.
When can I buy my shares?
Normally you can buy your
shares within 6 months of the
maturity date. Your option will
automatically lapse if it is not
exercised within 6 months of
that date.
What about tax?
In normal circumstances you
will not have to pay income
tax on any gain made on
the exercise of a Sharesave
option, provided that it is
exercised after the maturity
date or as a result of leaving
due to redundancy, injury,
disability, normal retirement or
death. If your option becomes
exercisable before the maturity
date for any other reason, you
may be subject to an income
tax charge on the difference
between the option price and
the market value of the shares
at the time of exercise. There
may be a liability to capital
gains tax if you sell the shares
subsequent to the exercise date
and the resulting gain causes
your level of total capital gains
to exceed the annual exempt
amount (£10,100 for the 2010/11
tax year).

What happens if I leave Experian?
The treatment of your Sharesave options depends upon the reason for leaving as set out below:
Reason Treatment of Sharesave option
I am made redundant
I retire at my contractual
retirement age
I have to leave work due to
injury or disability
I retire early or I do not
return from maternity leave
You can:
1. exercise your options within 6 months of your leaving date with some or all of the money that you
have already saved, to which you can add up to a further 6 monthly payments; or
2. withdraw your savings immediately but lose the option to buy shares; or
3. carry on saving until the normal end of the savings period and receive any tax-free bonus due at the
end of your savings period but lose the option to buy shares.
Is it more than 3 years since your option was granted?
●
●
If ‘Yes’ then see above
If ‘No’ then you will lose the option to buy shares. However you can either:
1. withdraw your savings and any interest immediately; or
2. carry on saving and receive any tax-free bonus due at the end of your savings period.
I resign Is it more than 3 years since your option was granted?
I go on maternity leave,
long term absence or
cannot afford to save for a
few months
There is a change of
control of Experian, or the
company or business I
work for is sold
I die whilst an employee (or
at a time when I can buy
shares under option after
leaving employment)
I wish to stop saving
and cancel an existing
Sharesave contract?
●
●
If ‘Yes’ then see above
If ‘No’ then you will lose the option to buy shares. However you can either:
1. withdraw your savings and any interest immediately; or
2. carry on saving and receive any tax-free bonus due at the end of your savings period.
If and when your pay is suspended, you can either make alternative arrangements with Equiniti to make
the contributions yourself or you can postpone them for up to 6 months. If you miss more than 6 months
payments you lose the option to buy shares.
If Experian is taken over or the company you work for is sold, your rights will be protected. Experian will
advise you of the choices you will then have. Your savings are your own and are totally separate from
Experian finances.
Your saving contract will automatically stop. Your personal representative(s) may either:
1. use some or all of the money you have saved to exercise your option within 12 months of the date of
your death (if you die before the maturity date) or 12 months from the maturity date (if you die in the
6 months after the maturity date); or
2. withdraw your savings and any interest due.
You may cancel an existing contract and withdraw your savings and any interest due at any time by
completing either the appropriate section on the reverse of your Share Option Certificate or by writing
directly to Equiniti to inform them.
You also need to advise payroll to stop making deductions from your pay. You can do this by completing
and returning the form on the intranet.
The gains made under previous Experian Sharesave Plans are not necessarily an indication of how future Plans will perform. Please
be aware that the Experian share price can go down as well as up. References to tax are for guidance only. If there is any difference
between the information in this booklet and the Rules of the Plan (or applicable legislation), the Rules of the Plan (or applicable
legislation) will apply. A copy of the Rules of the Plan is available upon request from Charlotte Mager at Cardinal Place, 6th Floor, 80
Victoria Street, London SW1E 5JL.
Textel/Minicom Service number 0871 384 2255 (or +44 121 415 7028 if calling outside the United Kingdom). If you would like this
brochure in an alternative format, for example Braille or audio tape, please contact the Equiniti helpline on 0871 348 2004 (or +44 121 415 7016
if calling outside the United Kingdom).
For further information about Sharesave, please telephone the Equiniti Helpline on 0871 384 2004 (or +44 121 415 7016 if calling
outside the United Kingdom). (Calls to 0871 telephone numbers quoted in this document are charged at 8p per minute from a BT
landline. Other telephony providers’ costs may vary.) Lines are open 8:30am to 5:30pm Monday to Friday, excluding bank holidays). 7892/UK