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Investor Presentaiton

Multi-Year Investment Approach MM Market Penetration and Customer Access Incremental sales staff, customer-oriented travel, marketing and other go-to- market initiatives $ KYC, CRE, Banking and ESG & Climate Continuation of strategic investment roadmaps across MIS and MA to meet increasing demand in high-growth markets ((8) Technology and Product Development New capabilities, including continued development of SaaS platform, improve operational efficiency, promote interoperability and facilitate execution of a robust product development pipeline Best-in-Class Talent Competitive compensation, as well as fostering a diverse and inclusive environment to recruit and retain top talent in a tight labor market 2021 ~$150 million organically invested in growth initiatives and enhanced capabilities in MIS and MA 2022: Incremental organic investment of ~$150 million to accelerate medium-term growth Moody's | Better decisions 4Q & FY 2021 Investor Presentation 7
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