Experian Investor Conference Presentation Deck

Evolution of credit & payments in Brazil Pandemic has accelerated the search for credit and digital payments Credit market size (US$ billions) 51 O Experian Public 844 2019 * +16% 976 2020 65bn Transactions by channel breakdown Internet & Mobile banking Other channels POS 52% 33% 15% 2016 73bn 57% 28% 15% 2017 Strategy Source: World Bank; IMF | Bacen: 2020 report | Febraban/Deloitte | Other channels include ATM, agencies, contact center. 81bn 60% 24% 16% KPIs 2018 86bn 62% 22% 16% 2019 Products 104bn 67% 19% 14% 2020 experian

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