Experian ESG Presentation Deck

Executive Summary ● Improving Financial Health Social - Positive data in Brazil - overview ● Data ● • 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. 26 Background 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). • 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 1/3 of the adult Brazilian population. O Experian Public Employees 83.8% UK ● Market context Credit to consumers (% of GDP) 75.4% Supply Chain US Germany Emerging Economies Source: BIS - Total Credit to Households (Core Debt) - Q4 2019 ● 56.9% 54.5% Spain Environment 43.1% Combination of positive data and other trends can bring new momentum: Data as at September 2020. 'Progress' data as at May 2021 30.4% Reduction in benchmark interest rate From 14.25% to 2.0% in 3 years (to August 2020) Brazil Digital banking expanding fast Credit fintechs and neobanks penetration Top 4 neobanks estimated to have captured 8.5m+ clients in H1 2020, totalling 36.5m+ clients (+35%) Governance 112m consumers on positive data so far 86 Policies & Data tables 23m thin files benefit Progress Products already launched experian. Banks Telcos 156 | 6 contributing data Appendix Expected Impacts Banks Telcos 7.1bn | 733m transactions registered so far Upcoming 175 launches 67% total credit / GDP ratio (vs current 47%) $240bn new credit in the 4 most benefitted sectors

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