3Q 2021 Investor Presentation

Key Takeaways Growth Company Operational Excellence Disciplined Capital Allocation >> Long-term financial expectations remain robust >> Balanced revenue model maximizes growth potential while ensuring resilience >> Strong free cash flow generation >> Strategic initiatives generate cost efficiencies, enabling reinvestment and margin improvement >> Continued MA margin expansion >> Strategic investments create sustainable value >> Emphasis on returning excess capital to stockholders through dividends and share repurchases >> Strong track record of investment success >> Efficient balance sheet management Moody's | Better decisions 3Q 2021 Investor Presentation 15

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