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Investor Presentaiton

Executive Summary Improving Financial Health Data Employees Supply Chain Environment Governance Policies & Data tables Appendix Social - Positive data in Brazil - impact Large adult population 137m people will benefit Brazilian population (millions) 137m people will benefit from positive data Total 212 Adult 157 112 Banked 20 20 23 23 experian. Significant score benefits 74% of people with current access to credit will see significant improvements to their score Had access to credit, will benefit 30 30 Significant score improvement No access to credit, will benefit 114 84 Small score improvement No access to credit, won't benefit Brazil's 212m population is comprised of 157m adults and 55m children. Of the 157m adults, 112m are banked and 45m are unbanked. 33 33 Experian Public Data as FY20 Of the 157m adults, we expect 137m will benefit from positive data. This is comprised of: . • 114m people who already have good scores and access to credit but would benefit to a greater or lesser degree from more information available. 23m people who currently don't have a score good enough to get credit, but don't have a record of missed payments in the negative data file, and so should benefit from positive data, which should boost their score and get them into the credit market. The remaining c.20m people won't benefit currently because they have a record of many missed payments in the negative data file Of the 114m with current access to credit who will benefit from positive data, we expect: • . 84m (74%) are expected to see a significant score improvement from positive data, potentially getting lower interest rates. 30m remaining won't see significant score increases, either because they already have very high scores, so the benefit from positive data will be small and won't change interest rates they have unpaid debt - whilst they still have a good enough score to get credit, the unpaid debt would prevent them getting access to lower interest rates.
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