#1experian TM Debt Investor Presentation February 2022 Experian, 2022. All rights reserved. The word "EXPERIAN" and the graphical device are trade marks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and company names mentioned herein are the trade marks of their respective owners. Experian Public. 0#2Disclaimer THIS PRESENTATION IS NOT AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL SECURITIES. IT IS SOLELY FOR USE AT AN INVESTOR PRESENTATION AND IS PROVIDED AS INFORMATION ONLY. THIS PRESENTATION DOES NOT CONTAIN ALL OF THE INFORMATION THAT IS MATERIAL TO AN INVESTOR. 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Experian Public 2 experian#3Experian contacts Nadia Ridout-Jamieson Evelyne Bull Chief Communications Officer VP, Director Investor Relations Group Treasurer Remco de Vries Antony Barnes Director of Corporate Finance 3 Experian Public experian.#4Agenda Business Overview Strategy and ESG Overview Financial Overview Indicative Terms of Proposed New Issue and Key Credit Highlights 4 Experian Public Appendix experian.#5experian TM Business Overview 0#6Snapshot of Experian – a market leader with great diversification Experian is the world's leading global information services company We use data and analytics to help people and organisations to assess, predict, plan and protect themselves We are custodians of data on over 1.3 billion people globally We have a diverse and growing range of clients across multiple geographies and industries We constantly innovate to help consumers and businesses take control of their financial well-being and seize new opportunities We are large, stable and cash-generative: £28bn market cap* / FTSE top 25* 20,000 employees / 44 countries FY21: US$5.4bn revenue / US$1.4bn Benchmark EBIT Highly cash generative with high cash conversion rate FY21: 106% 15% Return on Capital Employed (ROCE) • 10 years at A-/Baa1 (both stable) Global revenue US$m 6,000 5,3571 5,000 ■North America ■Other regions ~34% 4,1282 4,000 -21% 3,000 2,7172 -21% 2,000 1,7383 -66% -79% -16% 1,3174 1,000 -79%* -20% ~84% -80% 0 Experian A-/Baa1 Equifax BBB/Baa2 TransUnion BB+/Ba2(-) D&B B+/B2 FICO BB+/Ba2 1 2 Year ended 31 March 2021 Year ended 31 December 2020 4 3 Adjusted revenue based on pro forma 12m ended 31/12/2020 Year ended 30 September 2021. FICO's North America includes Latin America, which is -5% of total revenue Definitions of all non-GAAP measures used in this presentation are set out in the Experian 2021 Annual Report, publicly available at www.experianplc.com/investors/reports/. Source: FY21 figures for the year ended 31 March 2021. * At 21 January 2022 (source: London Stock Exchange). 6 Experian Public Source: Annual results & latest SEC filings. This analysis covers traditional competitors that are publicly listed. It does not include companies where a single division competes against Experian. experian#7Key credit highlights 1 Market-leading global information business 2 • 3 4 5 Market leader, holding #1 or #2 positions¹ across our largest markets in Data – the USA, Brazil and the UK Significant synergies from combining data sources, integrating analytics and using technology to secure competitive advantage Strong geographic portfolio and product diversity • Diversified portfolio across sectors, geographies and end clients Expanding position with existing and new clients and consumers, led by innovation Scalable business model with high barriers to entry - identified significant addressable market opportunities, estimated at US$130bn and growing ESG is core to how we run our business We transform financial lives by improving access to credit and empowering people to understand their finances. We do this via our core products, social innovation, and community investment, through which we contribute to 3 SDGs related to improving access to credit and financial services Data security is of the highest focus, our robust security controls are based on ISO 27001, the international standard for information security Committed to becoming carbon neutral by 2030³, and have set science based targets to achieve this Financially well-positioned Organic revenue growth every year since IPO in 2006, including through the 2007/2008 financial crisis and the COVID-19 pandemic Highly cash-generative, low capital intensity business with resilient and recurring revenues Conversion of c. 100% of Benchmark EBIT into Benchmark operating cash flow since IPO Robust financial and leverage policy Leverage policy target in the range of 2.0-2.5x Stable long-term ratings of A-/Baa1 Strong liquidity with undrawn committed facilities of US$2,200m² 1. In terms of revenue for FY21 across the US, UK and Brazil, according to public filings. 7 Experian Public 2. As at 31 December 2021 3. Includes all scope 1 and 2 emissions and the categories of 'purchased goods & services', 'business travel' and 'well to tank' within scope 3 (which represent 83% of our baseline emissions in scope 3) experian.#8Our business activities - how we help Business-to-Business We help businesses to identify and understand their customers. We can help them to: • lend effectively, responsibly and appropriately; Consumer Services We help people and families to: • manage credit risk and minimise the risk of fraud; • better access financial services; understand and improve their financial position; better protect against fraud and identity theft; better understand and communicate with customers; enhance their customer's experience with them; better understand their markets and allocate resources. They benefit from easier and faster access to more information, more accurate results, and more precise decisions. know that their data is correct, and . learn more about credit. 8 Experian Public Source: % split of total revenue from ongoing activities for FY21 - per Experian 2021 Annual Report (see www.experianplc.com/investors/reports/). Diverse portfolio by region and business activity 2021 Global revenue By business Consumer Services 24% 54% Data 22% Decisioning Business-to-Business 76% By region EMEA/Asia Pacific UK and Ireland 9% 14% 65% North America Latin America 12% experian.#9Our business activities – our services Business-to-Business (B2B) Data US$2.9bn Large databases • Credit history data on 1.3bn people and 166m businesses • Automotive information • 24 consumer credit bureaux • 14 business credit bureaux • Credit reports • Ascend platform • Advanced software and analytics • Credit scores • Decisioning software • Data quality • Fraud software Health Analytical tools • Expert consulting Decisioning US$1.2bn Business-to-Consumer (B2C) Consumer Services US$1.3bn Direct to consumer credit monitoring • Credit matching services / lead generation Identity theft protection services Affinity (white label) credit and identity monitoring services 9 Experian Public Revenue for year ended 31 March 2021. experian.#10Extensive marketplaces for Data and Decisioning Revenue by customer 4% 4% 3% 3% 4% 5% 5% 7% 10% 17% 38% Financial services Direct to consumer . Health Retail Automotive Software and professional services Telecommunications and utilities Insurance Customer diversity Largest single customer: <2% of revenue Top 10 customers: Top 20 customers: 12% of revenue 19% of revenue Number of business customers: >100,000 Media technology Government/public sector Other . . International and regional banks, credit unions/building societies, credit and debit card providers Individuals, families, financial institutions, white label Private health operators and physician practices • Online retailers and bricks and mortar retailers Automobile finance companies and original equipment manufacturers Software vendors and professional services Telecoms and utilities undertake credit and identity checks before agreeing to a contract • Insurance groups require the provision of data used in insurance risk management • Cable TV operators and technology companies perform credit and identity checks before agreeing to a contract National and regional government departments 10 Experian Public Source: revenue by customer for FY21 - per Experian 2021 Annual Report (see www.experianplc.com/investors/reports/). experian.#11Data Data Decisioning Consumer Services WHAT WE DO Help businesses identify and understand their customers, lend responsibly and protect customers and themselves from risk Provide clients a better picture of consumers and their needs, to help them receive more relevant offers and communications HOW WE DO IT We hold deep and detailed data, helping to provide a comprehensive view of c.166m businesses and >1.3bn people globally, creating high barriers to entry Data gathering 24 consumer and 14 business information bureaux (each 'bureau' maintains data and provides credit information to authorised users in that country) Data contributed 24/7/365 Data generally provided to us for free, by our clients on a give-to-get model, e.g. from financial services, mobile phone operators, utilities and public records, etc The data is primarily on the credit that a person or business has applied for in the past; and how their account has performed, including timely repayment Data management Each bureau collates, aggregates, cleanses and sorts vast quantities of data Data quality Higher quality data enables our clients to make fairer, more responsible & quicker decisions KEY ADDED VALUE • Large volumes of disparate data are aggregated into accurate, timely and usable information Information helps support impartial credit decisions and broader access to credit Extensive marketing data relevant to consumer lifestyles helps businesses understand their customers better and serve them with tailored products REVENUE MODEL Primarily transactional with a portion from licence fees MARKET POSITION Number one or number two in our key markets Main competitors: Equifax, TransUnion, Dun & Bradstreet, LiveRamp, Epsilon 11 Experian Public 1. In terms of revenue for FY21 across the US, UK and Brazil, according to public filings. experian.#12Data - examples ASCEND PLATFORM Next generation tech & data platform, on top of which we have built additional risk, marketing and account management products Allows quick decision-making on marketing, make credit line adjustments, and pre-screen/prospecting of offers • Launched in 2017 with Ascend Analytical Sandbox module Sandbox helps clients test different product scenarios with testing time reduced from months to same-day. Analytical Sandbox has 20 years of anonymised credit data on >220m¹ people Available in 10 countries Total Contract Value now at US$374m² Watch our online demo of Experian Ascend here. In market with 7 modules and more to come: لبيا • • POSITIVE DATA IN BRAZIL We supported the introduction of new legislation in 2019 that means positive payment histories (records of bills paid) can now be used in credit assessment in addition to negative data (missed payments and defaults). This could represent a sizeable shift in the lending environment in Brazil, with the promise of wider access to credit at more affordable rates and which has the potential to promote greater financial inclusion and improved financial health. We have built a new positive data bureau and developed a range of new positive data services. We started to launch these new services in early calendar 2020. Our investment in our free consumer platform has paid off - we now have over 40% of the adult Brazilian population. 112m consumers on positive data so far Progress Banks Telcos Banks Telcos 156 | 6 contributing data 7.1bn | 733m Ascend Analytical Sandbox Ascend Ascend Ascend Go Portfolio Loss Forecaster Data Services Ascend Account Review Ascend Marketing Ascend CECL Forecaster 86 Products already launched 175 Upcoming launches transactions registered so far Expected Impacts 23m thin files benefit 67% total credit/ GDP ratio (vs current 47%) $240bn new credit in the 4 most benefitted sectors 12 Experian Public 1. As at 30 September 2021. 2. As at 31 March 2021 experian.#13Decisioning Data Decisioning WHAT WE DO Experts at creating and developing predictive tools, sophisticated software and platforms that optimise the use of data We manage and automate large volumes of decisions and processes on-premise or in the cloud Help businesses make better decisions in areas including credit risk, fraud prevention, identify management, customer service and engagement, account processing and account management HOW WE DO IT Develop models for risk and fraud avoidance, analytical tools, and decisioning software Our industry specialists and data scientists work collaboratively with our clients, helping them find the best solutions for their needs Combine our own data with data from our clients and third parties, organise and analyse this data Turn this into meaningful information that our clients can act on, using our decisioning workflows such as PowerCurve, for decisions across origination, account management and collections Provide revenue cycle management for US hospitals and physician practices Consumer Services MARKET POSITION Market-leading provider of business solutions in key markets except for the USA where FICO is the market leader Main competitors: FICO, IBM, SAS, Change Healthcare REVENUE MODEL Software and system sales: consultancy and implementation fees; recurring licence fees; and transactional charges Credit scores sold on a transactional, volume-tiered basis Analytics - a mix of consultancy and professional fees, as well as transactional revenues KEY ADDED VALUE • • Assessment of creditworthiness, suitability and affordability of loans supports responsible lending Faster, frictionless and better-informed decisions for improved customer experience Relevant insights into new and existing customers for more effective management and better engagement with customers Authentication of customer identity helps prevention of identity fraud and other crime 13 Experian Public experian.#14Decisioning - examples 14 • • • POWERCURVE Decisioning via a secure, cloud-based platform to simplify and automate key decision making processes • Easy access to sophisticated decisioning capabilities Automated and expedited approvals and decisions Best-in-class capabilities for each decisioning component: data, attributes, scores and decisions Reduced IT complexity and rapid implementation Flexible subscription pricing – only pay for what you need. Appropriate for lenders of all sizes Helping our clients grow their business whilst offering the best possible customer experience Watch our video on PowerCurve here • • • CROSSCORE First smart, open, plug-and-play platform for fraud and identity services. It delivers a future-proof way to modify strategies quickly, catch fraud faster, improve compliance, and enhance the customer experience. Centralise and connect, access, and orchestrate decisions across multiple systems. In May 2020 we launched v.2.0 providing clients with a simpler way to provide more complex orchestration; faster, more scalable performance; and KPIs in near real time, all while enabling a personalised and seamless experience for our client's true customers Example: One of the US's largest cable and internet providers was launching a mobile phone service. They needed an enterprise fraud platform that works across both cable and mobile, and agile enough to add new partners, including: Danal, Emailage, Mitek, White Pages Pro and BioCatch Watch our video on CrossCore video here Experian Public Integrated Decisioning Process Data Attributes Scores Decisions Actions. Request Action for decision - Request Action for decision ABC Bank XYZ Bank CrossCore Connect Access Orchestrate Process experian#15Consumer Services Data WHAT WE DO Help consumers take control of their credit so they can manage their financial position, access credit offers, and help protect themselves from identity fraud HOW WE DO IT • Financial education Debt resolution Credit offers . Provided through online tools and call centres Decisioning • Protect people's identities by scouring the internet in real time, monitoring websites, blogs and chat rooms to identify illegal trading of personal information, and notify people to take immediate action Part of our strategy is to build large free member bases and engage with them through new propositions. Our free membership base is 128 million people across three markets¹: • US: 49 m • UK: 10.8 m Consumer Services . Brazil: 68 m 15 Experian Public 1. As at 31 December 2021. KEY ADDED VALUE Empower and support consumers to take control of their credit, improve their financial well-being and achieve their financial goals Immediate tangible results through credit score improvement and renegotiation of debts Eligibility for and improved access to credit offers and other services Better navigation of major financial decisions, such as buying a home Improved detection of and resilience to identity theft and fraud REVENUE MODEL • . Monthly subscription and one-off transaction fees Referral fees for credit products • White-label partnerships MARKET POSITION We are the market leader in Brazil and one of the market leaders in the USA and the UK Main competitors: Credit Karma (a subsidiary of Intuit), NerdWallet, Lending Tree, ClearScore, Equifax, TransUnion experian#1616 Consumer Services - examples • EXPERIAN BOOST - USA A free consumer product, first launched March 2019 in USA. Consumers give us permission to connect to their online banking accounts; identify utility, telecoms & TV streaming payments; then add these to their Experian credit file. After the consumer verifies the data and confirms they want it added to their Experian credit file, an updated FICO® Score 8 is delivered in real time. A 'boosted' credit score may help lenders to make more informed decisions when examining prospective borrowers. Boost helps bring more consumers into the credit system, and also gives access to more financial products and at lower interest rates, eg credit cards, car loans, mortgages Since launch, 6.7m¹ unique consumers have connected to Boost and 4.5m¹ consumers have improved their credit scores Watch our online demo of Experian Boost here. CREDIT MATCHING As more consumers engage with Experian, either through the free platforms in the US, Brazil and UK, or through products such as Experian Boost in the US and UK, this is generating an audience that is often seeking a new credit offer • For example, in the US with Experian Boost, once a consumer's data is added and rescored, we match the consumer to an appropriate financial offer through CreditMatch, such as for a credit card. In the UK, CreditMatcher allows consumers to see their Experian credit score for free and to compare credit card, loan and mortgage offers, car finance, energy and car insurance offers. It indicates to a consumer their chances of acceptance before application 2/3 see their score increases 86% 8% of customers move up a band 41% of 'Poor' score of Thin file customers increase scores become Thick file 65% of score band increases originated in "Poor' band 33% previously not scoreable who get a score Example of customer's screen after having boosted their score xperian Consumer Best Lending Product 2020 Experian Boost 1. As at 31 March 2021. Experian Public Good 670-739 702 FICOSCOPES Sample score 300 850 Congrats! You got a boost. 650 850 Won "Consumer Lending Innovation Award" in the 2020 FinTech Breakthrough Awards xperian CdMatcher 4:21 PMA Welcome back, Simon Your score has gone up 100 points. Your Excelent Expean edo mastod shape and Credit cards xperion Credit Score 757 Let's go. What credit cards are you looking for? All credit cards Start searching experian.#17:experian TM Strategy and ESG Overview 0#18Mega trends are shaping our markets Changes in consumers' digital behaviour Population and Wealth • • People expect smooth, fast, digital journeys when they make purchases or apply for credit Businesses have to work harder to find and keep customers; and need to make instant decisions on how to service them . 1.7bn people lack access to basic financial services Mobile and new datasets are increasingly relevant to service them . Data is proliferating, and becoming cheaper to store, manage and analyse Proliferation of data • Growing need for organisations to make sense of the data Advances in automation and technology A changing regulatory environment 1. Source: World Bank Global Findex Database 2017. 18 Experian Public • • Artificial intelligence and new technologies enable companies to operate more efficiently by automating processes which previously may have been conducted manually Regulators are becoming more active protecting consumer data and privacy rights - significant financial and reputational consequences for non-compliance Greater scrutiny of data protection due to increasing cybercrime Regulators are opening-up banking and other data-rich industries experian.#19Well-defined strategic priorities underpin our growth ambitions Areas driving significant revenue and profit growth 19 Experian Public l Consumer Information Global platforms Consumer • Consumer consent and open data Ascend Experian One Open Data PowerCurve Global expansion Big three geographies • Ascend global expansion + Use cases + Verticals Countries New transformational concepts + Verticals Smaller regions Brazil Focused expansion across: One Experian EMEA • Positive data Health Automotive Innovation Diversification Asia Pacific Mortgage Scale Verification and Employment Services Operating Spanish Latin America analytics • Business diversification into new verticals Decisioning, fraud and Consumer Services efficiency experian#20Our strategic focus areas address the needs and priorities of our customers Make credit and lending simpler, faster and safer for consumers and businesses Empower consumers to improve their financial lives Help businesses verify identify and combat fraud Help organisations in specialised vertical markets harness data and analytics to make smarter decisions Enable businesses to find, understand & connect with audiences Combining our datasets and analytics to help auto dealers identify and connect with new customers Simplifying and automating Healthcare appointment, scheduling and payment processes • • Enabling marketers to connect with a single audience across channels at one-to-one level Intelligent, self-service data quality and enrichment platform • Next generation tech and data platform Experian Ascend For example: Developing new products for positive data in Brazil • Helping customers connect and share their data and obtain credit appropriate for them using Open Banking Consumers can compare and match to appropriate credit card, loan, mortgage and insurance offers US and UK consumers can add their own data to their credit file with Experian Boost, to help them potentially improve their credit score • Online debt renegotiation portal in Brazil Alternative data used for scoring in Asia Pacific Financial education on Experian's free consumer platform . ID theft monitoring tools for consumers Fraud detection and prevention for businesses • Smart, plug-and-play, open, central platform for fraud and identity services . . 20 20 Experian Public experian.#21Experian's sustainable business strategy OUR PURPOSE: Creating a better tomorrow OUR SUSTAINABLE BUSINESS STRATEGIC PRIORITY: Improving Financial Health for all THROUGH OUR Core products | Social Innovation | Community Investment INDUSTRY, INNOVATION NO 1 POVERTY 8 ECONOMIC GROWTH DECENT WORK AND AND INFRASTRUCTURE 1.4 8.10 9.3 ENABLED BY: Treating data with respect Security | Accuracy | Privacy | Transparency Inspiring and supporting our people SUPPORTED BY: Working with integrity Protecting the environment Our goals Improving financial health for all: Reach 100m people through social innovation products by 2025 (since 2013) Reach 100m people through United for Financial Health by 2024 (since 2020) Diversity: By 2024 increase the proportion of women in our executive committee and direct reports to 30%, in our senior leaders to 40%, in our mid-level leaders to 42%, and in our total workforce to 47% Environment: Become carbon neutral1 by 2030 By 2030 cut Scope 1 and 2 emissions by 50% and Scope 3 emissions² by 15% Carbon offset scope 1 and 2 emissions gradually over the 5 years to 2025 21 Experian Public www.experianplc.com/responsibility/our-approach/ 1. Includes all scope 1 and 2 emissions and the categories of 'purchased goods & services', 'business travel' and 'well to tank' within scope 3 (which represent 83% of our baseline emissions in scope 3). 2. Purchased goods & services, business travel and well to tank experian.#22Improving Financial Health – at the heart of our strategy Vital role as the world's largest credit bureau The World Bank states that credit bureaus support financial stability, lower interest rates, improve the allocation of new credit and are especially beneficial for small enterprises and new borrowers. We provide lenders with information needed to offer more loans at fairer rates, reducing the cost to borrowers. Extending access to credit helps drive social and economic development - businesses grow, families transform their lives. We also help people understand, manage and improve their financial situation - and protect themselves and their data. Outcome: Support financial health of individuals, businesses and economies Opens door to millions of potential new customers for us and our clients 888 Financial education Improving financial literacy and confidence Financial inclusion Increasing access to financial services HOW WE HELP PEOPLE IMPROVE THEIR FINANCIAL LIVES Financial management Helping people manage their financial lives Financial security Preventing fraud and identity theft We empower consumers to improve their financial lives, gain access to credit, safeguard their identity, save money, negotiate debt and improve their financial knowledge 22 22 Experian Public www.experianplc.com/responsibility/improving-financial-health#23Improving Financial Health – the three key ways we help 1 2 3 Core products We use our data and analytics expertise to offer a wide range of core products and services that promote financial wellbeing. Social Innovation This programme provides seed funding to explore innovative new solutions designed to offer societal benefits and new revenue streams. Community Investment We deliver financial education programmes and support 23 communities where we operate. Experian Boost has helped 4.5m people² in USA instantly improve their credit scores by adding on- time payments of utility bills to their financial profiles GeleZAR app in South Africa - people can improve their financial education through fun courses on their mobile & build their credit score even without a bank account United for Financial Health launched to re-build financial lives post COVID-19, reached 35 million people in FY21, beating 15 million target Priority is driving revenue at scale for the business, investments prioritised by returns Focus is on number of people reached with financial inclusion products, returns are secondary Priority is educating people on finances to help drive financial inclusion • • • Products . Most focussed on returns . Less financially excluded Sliding scale (generalised characteristics, there are exceptions) Education Most focussed on helping people More financially excluded As we help people move up the ladder of financial inclusion, more people become Experian Public 1. Data is for FY21 unless stated 2. As at Q4 FY21 potential consumers of our core products www.experianplc.com/responsibility/improving-financial-health#24Treating data with respect Experian's business is dependent on the secure holding and management of sensitive consumer information Governance • Information security continues to be of the highest priority at Experian. Regular updates provided to the Board's Audit Committee and risk committees on information security risks and the business's response. The Group's Security & Continuity Steering Committee oversees the management of global information security, physical security and business continuity Clear, stringent and regularly-updated data-management policies and data-security strategies We only share data with organisations we trust, follow strict guidelines and comply with all relevant laws Contractual security requirements imposed on our partners and 3rd parties who use our data, plus periodic reviews of third-party controls • • Continued investment in data security technology Deployment of physical and technological security measures, combined with monitoring and alerting for suspicious activities Information security programme for identifying, protecting against, detecting, and responding to cyber security risks and incident recovery We have built a very capable information security team deeply embedded in our businesses around the world and staffed with top industry talent Constant investment and innovation. We apply significant capital and resource efforts every year to ensure the security of our data and soundness of our applications, whilst deploying the latest tools in our environment to detect and prevent intrusions or loss of data. Robust security controls based on ISO 27001 (internationally recognised security standard) Regulation • 'Security First' Culture Our culture of security means all Experian employees are responsible for data security Mandatory annual training for all employees on information security and data protection Training metrics tracked weekly to monitor compliance. Shared monthly with Security and Continuity Steering Committee. Those who work more closely with data receive more in depth training and are required to attend two courses annually. Depending on the role and an employee's training cycle, users could take 2-4 or more mandatory courses in a year. We provide Secure Software Development training for those involved in product and software development. The industry is subject to regulation in each of our operational jurisdictions - primarily, the Consumer Financial Protection Bureau ("CFPB") in the US, the UK Financial Conduct Authority ("FCA”) and various federal and state legislative requirements in Brazil • Increasing regulation globally as regulators adapt to the 'data explosion' 24 This creates opportunities as well as challenges, e.g. moves to open up banking and other data-rich industries encourage customers to get the best deals in the market Experian Public For further information on data security, privacy and accuracy please see pages 43-46 of the FY21 Annual Report, available at www.experianplc.com.#25Experian ESG overview - highlights of our commitments Social О Opportunity to significantly advance global financial inclusion, supporting UN Sustainable Development Goals 1.4, 8.10, 9.3 Data security and privacy is of highest focus, ISO 27001 standard 。 Employees - recruiting and retaining top talent; building a high performance, inclusive culture Supply chain principles support UN Universal Declaration of Human Rights; member of the Slave-Free Alliance; supplier diversity programme Environment Committed to carbon neutral¹ by 2030, Science Based Target set for 2030. Offsetting Scope 1 & 2 emissions over the 5 years to 2025. 。 Follow TCFD recommendations and report to CDP (score B) Governance: o Independent board evaluation shows first class corporate governance and excellent board performance 。 Diverse board meets recommendations of Hampton-Alexander Review on gender diversity and Parker Review on ethnic diversity SUSTAINABLE DEVELOPMENT GOALS Supporting the UN Sustainable Development Goals FTSE4Good Member of FTSE4Good ESG index since 2012 CHANGE THE Member of Fortune's Change the World 2021 list Sustainability Yearbook Member 2021 S&P Global Featured as a leader in ESG - scored in the top 15% of the professional services industry 25 25 1. Includes all scope 1 and 2 emissions and the categories of 'purchased goods & services', 'business travel' and 'well to tank' within scope 3 (which represent 83% of our baseline emissions in scope 3).#26experian TM Financial Overview 0#27Organic revenue growth and stable margins in every year since 2007 Ongoing revenue (US$m) Divestments following portfolio review and COVID-19 pandemic Global financial crisis FX translation effect 5,179 5,357 4,713 4,772 4,810 4,855 4,485 4,657 4,477 4,059 4,214 4,335 3,821 3,859 3,424 1,255 1,309 1,387 1,306 1,385 1,290 1,306 1,175 1,195 1,199 Benchmark EBIT (US$m) 996 1,046 938 939 808 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 Organic revenue growth Benchmark EBIT margin 8% 4% 3% 2% 8% 10% 8% 5% 1% 5% 5% 5% 9% 8% 4% 21.8% 21.8% 23.3% 24.4% 24.8% 26.2% 26.6% 27.4% 27.2% 26.7% 27.7% 27.7% 26.9% 26.8% 25.9% 1. Conversion of Benchmark EBIT into Benchmark operating cash flow. Global ongoing activities revenue and Benchmark EBIT only. Excluding growth rates, FY07 to FY20 revenue, Benchmark EBIT and cash flow conversion may have been adjusted to exclude various exited business activities and discontinued operations. Growth rates are not restated. All revenue, Benchmark EBIT and conversion of Benchmark EBIT into Benchmark operating cash flow, are as reported. Source: Experian's Annual Reports from FY07 to FY20 (see www.experianplc.com/investors/reports/). 27 Experian Public experian.#28Our cash flow is consistently strong and reliable which supports our disciplined capital allocation US$m 2,750 2,250 1,750 1,250 750 250 Share repurchases M&A Dividend Interest & Tax CapEx Funds from operations² (250) FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 Strongly cash 99% 101% 100% 98% 96% 94% 101% 104% 106% 96% 96% 97% 88% 106% generative 28 Experian Public 1. Conversion of Benchmark EBIT into Benchmark operating cash flow. 2. Funds from operations is defined as Benchmark free cash flow plus organic capital investment (capital expenditure). Source: Experian's Annual Reports from FY08 to FY21 - publicly available at www.experianplc.com/investors/reports/. experian#29Our leverage policy is key to our financial strategy Serasa 70% US$bn acquisition 6 5 4 Net debt to EBITDA (x) US$1.1bn acquisitions 3.0 2.5 2.0 3 2 1 Juuluull 1.5 1.0 0.5 0 0.0 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 Net debt to EBITDA target range Net debt to EBITDA Net debt 29 29 Leverage policy target: Net debt in the range of 2.0-2.5x of EBITDA experian. Experian Public Net debt / EBITDA leverage is calculated on a constant GAAP basis and excludes IFRS16 related operating lease liabilities, Depreciation and Amortisation, and finance charge adjustments. Net debt includes adjustment for the Serasa put option FY08-FY12. Unless otherwise stated all references to EBITDA are to Benchmark EBITDA. Source: Experian's Annual Reports from FY07 to FY21 - publicly available at www.experianplc.com/investors/reports/ and results announcement at www.experianplc.com/investors/results-and-presentations.#30Continuously strong investment grade issuer ratings Rating A- / A3 S&P BBB+ /Baa1 Moody's 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 30 30 Experian Public S&P (August 2021) - A-, stable outlook¹ • • Positive rating factors include: "Leading "Big Three" player among global credit reporting agencies." "Strong geographic and portfolio diversification" "Solid operating performance, with high and stable margins" "Exceptional liquidity due to free cash generation and availability under committed credit facilities." Moody's (January 2022) - Baa1, stable outlook² Positive rating factors include: • "Market position as the largest consumer credit reporting agency in major markets, including the US, the UK, and Brazil, with a strong track record of product innovation" "Good medium-term growth prospects, driven by the resilient performance of North America and Latin America, as well as its Consumer Services segment, all of which are underpinned by increasing digitisation and reliance on data analytics across most major industries." "Strong profitability, supported by high barriers to entry" "Clear financial policy, incorporating management's commitment to maintain a net leverage ratio of 2.0x-2.5x (as reported by the company)." Source - publications: 1. S&P Global Ratings, Ratings Direct: Experian Finance plc (27 August 2021). 2. Moody's Investor Service: Credit Opinion: Experian Finance plc (11 January 2022). experian.#31Clear financial policies Capital allocation policy 1. Organic innovation investment 2. Dividends 3. Selective acquisitions & minority investments 4. Share repurchases Leverage policy target in the range of 2.0-2.5x • Commensurate with BBB+/Baa1 credit ratings US$m 1,600 1,400 1,200 1,000 800 600 400 200 0 FY21 Capital Framework Funds from Operations Reduction in net debt and other Acquisitions and minority investments Dividends Organic capital investment • Space out debt maturities to mitigate refinancing risk Cash generated Uses of cash • Maintain substantial undrawn committed bank facilities to maintain liquidity US$m US$6.0 billion committed funding at 31 December 2021 - Cash and Cash equivalents US$193m¹ 3000 1,950 Undrawn committed facilities of US$2,200m1 2500 2000 FX and interest rate risk mitigation Covenanted Benchmark EBIT interest cover² > 3x 1500 Interest rate swaps used to adjust the balance between fixed and floating rate liabilities 1000 100 Borrowings broadly match currencies of earnings; FX contracts used to manage residual currency risk exposure 500 150 530 515 560 750 500 400 0 540 FY22 FY23 FY24 FY25 FY26 FY27 FY28 FY29 FY30 FY31 FY32 FY33 Undrawn facilities Bonds Drawn bank loans 1. As at 31 December 2021. 2. September 2021 actual Benchmark EBIT interest cover was 14x. 31 Experian Public Source: Experian's FY21 Annual Report (see www.experianplc.com/investors/reports/), FY21 results announcement (see www.experianplc.com/investors/results-and-presentations) and RNS announcements (see www.experianplc.com/investors/regulatory-news/). experian#32Latest Trading Update (14 January 2022) "Performance in Q3 was at the upper end of our expectations. Total revenue growth was 14% at actual exchange rates and 15% at constant exchange rates. Organic revenue growth was 11%. "We now expect organic revenue growth for the full year to be in the range of 12-13%, with total revenue growth now expected in the range of 16-17%, at constant exchange rates. We continue to expect strong EBIT margin accretion, also at constant exchange rates." Brian Cassin, Chief Executive Officer • Robust performance across B2B • Consumer services continue to perform well – 128m free members globally Revenue expectations guided upwards for the full year For the full year we expect: • Organic revenue in the range of 12-13%* Total revenue growth in the range of 16-17%* 32 32 Experian Public At constant exchange rates Source: Trading update, second quarter revenue expectations revised announcement (see www.experianplc.com/investors/results-and-presentations) and RNS announcements (see www.experianplc.com/investors/regulatory-news/). experian#33experian TM Indicative Terms of Proposed New Issue and Key Credit Highlights 0#34Indicative Terms Issuer Guarantor Expected Rating of Notes Ranking Currency Tenor Experian Europe DAC Experian plc A- (S&P)/Baa1 (Moody's) Senior Unsecured EUR [9.25 year] Size Use of Proceeds Benchmark Documentation Governing Law Listing Active Bookrunners 34 Experian Public General corporate purposes, including acquisitions CoC, RegS, 3m Par call, MWC as outlined in USD 4.5bn EMTN Programme dated 24 January 2022 English Euronext Dublin Barclays, BNP Paribas, Santander, SEB, Wells Fargo Securities experian#3535 55 Key credit highlights 3 4 5 1 2 • • Market-leading global information business Market leader, holding #1 or #2 positions¹ across our largest markets in Data – the USA, Brazil and the UK Significant synergies from combining data sources, integrating analytics and using technology to secure competitive advantage Strong geographic portfolio and product diversity Diversified portfolio across sectors, geographies and end clients Expanding position with existing and new clients and consumers, led by innovation Scalable business model with high barriers to entry - identified significant addressable market opportunities, estimated at US$130bn and growing ESG is core to how we run our business We transform financial lives by improving access to credit and empowering people to understand their finances. We do this via our core products, social innovation, and community investment, through which we contribute to 3 SDGs related to improving access to credit and financial services Data security is of the highest focus, our robust security controls are based on ISO 27001, the international standard for information security Committed to becoming carbon neutral by 2030³, and have set science based targets to achieve this Financially well-positioned Organic revenue growth every year since IPO in 2006, including through the 2007/2008 financial crisis and the COVID-19 pandemic Highly cash-generative, low capital intensity business with resilient and recurring revenues Conversion of c. 100% of Benchmark EBIT into Benchmark operating cash flow since IPO Robust financial and leverage policy Leverage policy target in the range of 2.0-2.5x Stable long-term ratings of A-/Baa1 Strong liquidity with undrawn committed facilities of US$2,200m² Experian Public 1. In terms of revenue for FY21 across the US, UK and Brazil, according to public filings. 2. As at 31 December 2021 3. Includes all scope 1 and 2 emissions and the categories of 'purchased goods & services', 'business travel' and 'well to tank' within scope 3 (which represent 83% of our baseline emissions in scope 3) experian.#36experian Appendix TM 0#37ESG highlights Social Employees Governance Supporting UN SDGS 1.4, 8.10, 9.3 People using our platforms for free education, access to products & services² 128m Employees proud to work at Experian Glassdoor rating (increased 5 years running)4 86% Independent Board members6,7 73% 4.3 Female Board members6 36% Consumers connected to Experian Boost in the US3 6.7m Three-year gender diversity targets set Voluntary employee attrition Yes Ethnically diverse Board members8 2 10.1% People reached by United for Financial Health 35m Independence of Audit and Remuneration6 committees 100% Revenue from Social Innovation $64m Diversity and inclusion employee groups 30 products Debt renegotiated via Limpa Nome $7.8bn Environment Clear division of responsibilities between the Chairman and CEO Yes Unbanked people who could benefit through alternative data sources and Experian technology platforms 1.7bn Committed to become carbon neutral by 2030 Independent external evaluation of the Board's performance⁹ Yes Science-based target approved by SBTi Yes Executive remuneration linked to Group performance Yes Data privacy and security is a top priority Robust security controls based on ISO 27001 Founding member of the Slave-Free Alliance Suppliers must comply with Supply Chain Principles Mandatory annual training for all employees: Code of Conduct, Security & data, Anti-Corruption CDP Climate Change score B Voting rights for shareholders Equal CO2e emissions in tonnes5 -58% % FY21 scope 1 & 2 emissions offset 20% A constituent member of FTSE4Good index since 2012 FTSE4Good Electricity from renewable sources 34% 37 Experian Public 1. FY21 data unless specified 2. As at Q3 FY22 3. As at Q4 FY21 4. As at Jan 2021 5. Using Market-based scope 2 emissions 6. As at 1 May 2021, following appointment of Jonathan Howell 7. Includes Board Chairman (independent on appointment) 8. Meeting Parker Review definition 9. Occurs every 3 years, most recent was FY20#38Improving Financial Health - core product metrics Millions of people Free consumer members Experian Boost US customers 140 ■ N America ■ Brazil ■UK 7 128m 120 100 80 60 60 40 40 20 4m 0 22m 40m 57m 82m 110m FY16 FY17 FY18 FY19 FY20 FY21 38 Experian Public Millions of people 6 5 3 2 3.0 2.3 1.7 4.0 4.9 Consumer Revenue & EBIT 6.7 1,400 5.7 1,200 $m revenue and EBIT 1,307 1,127 985 1,000 926 800 600 400 1.0 1 200 0.3 194 218 247 283 0 0 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 FY19 FY20 FY20 FY20 FY20 FY21 FY21 FY21 FY21 FY18 FY19 FY20 FY21 FY22 Figures as at the end of the quarter Revenue and EBIT are Benchmark from Ongoing activities Revenue and Benchmark EBIT for FY20 are re-presented for the reclassification to exited business activities of certain B2B businesses and the reclassification of our Consumer Services business in Latin America to the Consumer Services business segment.#39Environmental Commitments We've committed to become carbon neutral1 by 2030 · The SBTi have approved our science-based target that by 2030 we will reduce Scope 1 and 2 emissions by 50% and Scope 3 emissions² by 15%. We're committing to gradually carbon offset our scope 1 and 2 emissions over the 5 years to 2025. • We will explore options to reduce carbon emissions, switch to more renewable energy and use carbon offsetting or sequestration for the emissions that can't be eliminated. Publish Scope 1 & 2 emissions, & Scope 3 air travel June 2020: publish carbon neutral & offsetting commitments FY21: 20% of Scope 1 & 2 emissions offset May 2021: publish science- based target Publish June 2021: publish estimate of detailed plans to reach full scope 3 emissions with actual carbon neutral data Update scope 3 estimates 100% of Scope 1 & 2 emissions offset by 2025 Carbon neutral in own operations by 2030 39 Experian Public www.experianplc.com/responsibility/protecting-the-environment 1. Includes all scope 1 and 2 emissions and the categories of 'purchased goods & services', 'business travel' and 'well to tank' within scope 3 (which represent 83% of our baseline emissions in scope 3). Purchased goods & services, business travel and well to tank 2. experian...#40Recent performance highlights Total revenue Revenue Organic revenue First-half FY22 Q3 FY22 Growth Growth Results Constant FX rates Actual FX rates Constant FX rates Actual FX rates 21% 23% US$3,060m 15% 14% 16% 11% Benchmark EBIT growth 25% 25% US$806m EBIT Benchmark EBIT Margin progression 70 bps 20 bps EPS Benchmark earnings per share Operating cash flow Benchmark operating cash flow conversion Dividend First interim dividend per share Funding and liquidity Net debt to Benchmark EBITDA 30% 29% USC 61.7 89% US$720m 10% USC 16.0 Certain financial data has been rounded within this presentation. As a result of this rounding, the totals of data presented may vary slightly from the arithmetic totals of such data. Revenue, Benchmark EBIT growth and Benchmark EBIT margin are on an ongoing activities basis. FX foreign exchange. 40 Experian Public 2.1x experian#41Revenue Growth Trends B2B reflecting strong recovery in our core markets 27% Strong Consumer Services growth momentum Inorganic Inorganic 32% 22% 22% 22% 19% 17% 15% 13% 12% 11% 9% 9% 18% 8% 7% 7% 7% 6% 5% 5% 14% 11% 9% 6% 6% 7% 7% 8% 8% 6% (3)% 2% 1% 1% (5)% Q1 Q2 Q4 Q1 Q2 Q4 Q1 Q2 Q3 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 FY20 FY21 FY22 FY20 FY21 FY22 41 Experian Public Growth rates at constant currency and for ongoing activities only. experian.#42North America 42 Experian Public Six months ended 30 September US$m Total 2021 2020 Organic growth growth Three months ended 31 December 2021 US$m Organic growth Data Decisioning Business-to-Business 1,016 836 21% 12% 7% 376 331 14% 14% 16% 1,392 1,167 19% 13% 10% Consumer Services 645 520 24% 24% 19% Total revenue 2,037 1,687 21% 16% 13% Benchmark EBIT - ongoing activities 737 610 21% Benchmark EBIT margin 36.2% 36.2% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. experian#43Latin America 23 43 Experian Public Six months ended 30 September US$m Total 2021 2020 Organic growth growth Three months ended 31 December 2021 US$m Organic growth Data Decisioning Business-to-Business 249 213 15% 13% 10% 67 38 72% 31% 9% 316 251 23% 15% 10% Consumer Services 46 27 64% 64% 19% Total revenue 362 278 27% 20% 11% Benchmark EBIT - ongoing activities 87 65 30% Benchmark EBIT margin 24.0% 23.4% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. experian#44UK and Ireland 44 44 Experian Public Six months ended 30 September US$m Total 2021 2020 Organic growth growth Three months ended 31 December 2021 US$m Organic growth Data Decisioning Business-to-Business 194 157 13% 13% 6% 115 98 7% 7% 7% 309 255 11% 11% 6% Consumer Services 99 70 30% 30% 13% Total revenue 408 325 15% 15% 8% Benchmark EBIT - ongoing activities 85 34 133% Benchmark EBIT margin 20.8% 10.5% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. Revenue and Benchmark EBIT have been re-presented for the reclassification to exited business activities of certain B2B businesses. experian#45EMEA/Asia Pacific 45 45 Six months ended 30 September US$m Total Organic 2021 2020 growth growth Three months ended 31 December 2021 US$m Organic growth Data 175 121 37% 7% 3% Decisioning 78 69 7% 5% (6%) Total revenue 253 190 26% 6% 0% Benchmark EBIT - ongoing activities (21) (34) 46% Benchmark EBIT margin (8.3)% (17.9)% Experian Public All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. Revenue and Benchmark EBIT has been re-presented for the reclassification to exited business activities of certain B2B businesses. experian#46Capital framework - H1 FY22 46 46 US$m Capital summary 1,200 1,000 800 Increase in Net debt and other Acquisitions and minority investments 600 Share repurchases 400 Funds from Operations 2 Dividends paid 200 Organic capital investment 0 Cash generated Uses of cash • US$369m acquisitions in the half and US$353m . · for post balance sheet acquisitions: • Gabi in North America • PagueVeloz in Brazil Shareholder returns of US$412m: · US$115m1 Net share repurchases • Cash dividends of US$297m First interim dividend growth of 10% Leverage ratio 2.1x Net debt / EBITDA 3,4 Experian Public 1 Share repurchases as at 30 September 2021 2 Funds from Operations is defined as Benchmark free cash flow plus organic capital investment (capital expenditure) 3 Net debt definition has been updated to include lease obligations, following changes in market adoption of the recently implemented IFRS16. 4 Leverage based on last 12 months EBITDA experian#47Investment in technology and innovation FY17 FY18 FY19 FY20 FY21 Capex US$m 399 431 439 487 422 Capex % 9% of revenue 9% 9% 9% 8% Capital investment breakdown (%) Product Development 20 20 24 28 33 % % % 41 % Infrastructure 32 % 1306 31 34 % 1300 47 Experian Public Data 48 % % 25 % 108 400 45 38 36 34 % % % % New and key scaling products revenue (US$m) 213 359 537 678 FY17 FY18 FY19 FY20 FY21 FY17 FY18 FY19 FY20 FY21 Consumer: ID Works Lead generation Brazil consumer B2B: PowerCurve suite Ascend CrossCore Health, new products Auto, new products experian.#48Contacts 48 Experian Public Experian Cardinal Place 80 Victoria Street London SW1E 5JL Tel: +44 (0)203 042 4200 Website: www.experianplc.com Nadia Ridout-Jamieson Chief Communications Officer Email: [email protected] Antony Barnes Director of Corporate Finance Email: [email protected] Evelyne Bull VP, Director Investor Relations Email: [email protected] Remco de Vries Group Treasurer Email: [email protected] experian.