Investor Presentaiton

Employees Supply Chain Environment Governance Policies & Data tables Appendix Executive Summary Improving Financial Health Data Social - Positive data in Brazil – overview - Hexperian. Progress • 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). • 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. • • 32 32 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. Experian Public Market context Credit to consumers (% of GDP) 83.8% 75.4% 112m consumers on 56.9% 54.5% positive data so far 1566 contributing data Banks Telcos Banks Telcos 7.1bn | 733m transactions registered so far 43.1% 30.4% UK US Spain Germany Emerging Brazil Economies Source: BIS- Total Credit to Households (Core Debt) - Q4 2019 Combination of positive data and other trends can bring new momentum: Reduction in benchmark interest rate From 14.25% to 2.0% in 3 years (to August 2020) • 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%) Data as at September 2020. 'Progress' data as at May 2021 Products 86 already launched Upcoming 175 launches Expected Impacts 23m thin files benefit 67% total credit/ GDP ratio (vs current 47%) $240bn new credit in the 4 most benefitted sectors

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