#1experian TM Barclays Global Credit Bureau Forum Wednesday 8 September 2021 Ⓒ Experian, 2021. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and company names mentioned herein are the trademarks of their respective owners. Experian Public.#2experian TM Welcome/Introduction Paul Sullivan, Barclays#3Agenda Welcome/Introduction Q&A with Lloyd Pitchford Health Automotive North America Consumer Information Q&A Break North America Consumer Services Consumer Services in Brazil Q&A Wrap up/Close 3 Experian Public Paul Sullivan Moderated by Paul Sullivan Jennifer Schulz and Tom Cox Jennifer Schulz Alex Lintner Jennifer Schulz, Tom Cox, Alex Lintner and Lloyd Pitchford Jeff Softley Silvio Frison Silvio Frison, Jeff Softley and Lloyd Pitchford. Moderated by Paul Sullivan Lloyd Pitchford and Paul Sullivan е TM#4experian TM Q&A with Lloyd Pitchford Moderated by Paul Sullivan#5experian Health TM Jennifer Schulz and Tom Cox#6Who we are 38 itil 6 Experian Public Market leader in healthcare revenue cycle management Extensive and growing client footprint, serving an increasingly diverse health ecosystem - from 850 clients before Passport acquisition in 2013 to 8000+ today Evolution from pure-play software to software plus data / analytics serving a diverse and growing set of client needs Strong track record of financial performance accretive to Experian Group e. TM#7Experian Health Ambition US$5.8m 2008 7 Experian Public Double revenue to US$1bn+ in medium term US$267m 2015 Key Revenue US$ * Not to scale US$8-10bn US$425m Experian Health Revenue / EBIT TODAY Large Market Opportunity* ... AND BEYOND e. TM#8Several important drivers continue to underpin our business Consumer Pain Points Rising Spend US healthcare expenditure greater than US$4 trillion (18% of GDP), growing almost 6% per year • Insurance verification • Claims 8 Experian Public Administrative Waste Over US$900 billion in waste for US healthcare, of which US$266 billion from administrative complexity e. Prior Authorizations • Contract ● Management • Patient Identity ● Management Patient Responsibility Over US$400 billion in annual patient "out of pocket" expense, growing from high- deductible health plans e Patient Payments • Patient Financial Clearance and Collections Coverage Discovery Over 14 of consumers report being charged more than anticipated Over 70% want more digital and self-service options ● !e MyHealth Direct Registration Accelerator • Patient Financial Advisor е TM#9Unique assets to serve a growing set of end-markets Unique data ... Credit Bureau Data Business Data Marketing Services Data Experian Data Quality Functionality Decision Analytics + Healthcare Data (via clients) 9 Experian Public ... enabling many solution areas ... ...all driving automated workflows for the provider and an improved experience for the patient... REVENUE CYCLE WORKFLOW SOFTWARE Collect every dollar due IDENTITY MANAGEMENT Manage patient identity PATIENT & CONSUMER ENGAGEMENT Improve patient experience ... across a growing set of end markets PROVIDER PAYER E PATIENT/ CONSUMER PHARMACY + TM#10Substantial opportunity to drive future growth 10 Total Addressable Opportunity Growth Strategy O Experian Public $ REVENUE CYCLE WORKFLOW SOFTWARE $3-4bn Continue to grow hospital footprint Further expand in non- hospital provider segments Attack whitespace for underpenetrated products IDENTITY MANAGEMENT $0.5 - $1bn Cross sell fraud & identity solutions Scale Patient Identity Resolution suite Innovate to address additional use cases B PATIENT & CONSUMER ENGAGEMENT $4-5bn Scale MyHealth Direct across client footprint Drive client adoption of full Patient Engagement* suite Expand capabilities to extend serviceable market * Our Patient Engagement suite is our patient facing bundle that includes MyHealth Direct / Patient Schedule, Registration Accelerator, and Patient Financial Advisor - which clients can purchase as a full suite or as individual products TM#11We're continuing to drive a seamless patient experience 11 al GS Engage O Experian Public 1:37 Wednesday, April 22 40 100%- MESSAGES +1 (201) 331-6460 St. Hope Hospital is ready to schedule your next appoinment. Schedule and confirm without ever making a call. https://st.hope/141.44 now Schedule Vision Select Provider Earliest MORNING Fri, Apr 24 8:00 PM Provider AFTERNOON Thurs, Apr 23 Dates 100% Live clients and 10 more in active implementation Y John Amspaugh, M.D. Orthopedics Poughkeepsie Columbia Campus 30 Columbia Street Poughkeepsie, NY 12601-3906 4.5 mi from 12605 10:30 AM 1:30 PM Lisa Andrews, M.D. Orthopedics Fishkill Merritt Campus 600 Westage Business Center Drive Fishkill, NY 12524-2281 2.75 mi from 12605 Register (4) Register Online 8 Identity Insurance Here's a Preview of the Front of Your ID KANSAS Caron Sample 3 Confirm GARON ELIZABETH +CAMA LICENSE K12-34-5678 017 01/11/1966 01/11/20 01/11/66 Use This Photo Retake Photo 1.1m St. Hope Forms Estimate Financial Advisor Your Estimated Cost For Orthopedic Services @ St. Hope Hospital $581.19 Services 88440-Knee X-Ray Cost Breakdown Services Insurance Covers Your Estimated Cost St. Hope Show Details View Payment Options $811.91 - $230.72 $581.19 Problems? Call 1-888-234-2389 Patient appointments booked across ~5,500 providers in 2021 (YTD) Financial Advisor Payment Options Pay your balance in full, select a payment plan to pay over time or choose to pay any amount you want. Pay in Full $581.19 3 Payments of $193.73 Show Details Pay S Payments of $116.24 Show Details Choose a Custom Amount 44% Check In Check-In You Are Checked In! Thanks for checking in. We look forward to seeing you shortly. 30 Columbia Street Poughkeepsie, NY 12601-3906 Google Maps Annointment Details preto Pipeline growth from FY21Q1 to FY22Q1* * For Patient Engagement suite including MyHealth Direct / Patient Schedule, Registration Accelerator, and Patient Financial Advisor e. TM#12Key Takeaways 12 Experian Public 1 4 2 3 History of strong and consistent growth, building from a series of four acquisitions combined with organic innovation Scaled business with a competitive position across many segments within healthcare Revenue Cycle and several investments in promising growth segments including Patient and Consumer Engagement Demand drivers underpinning our markets that continue to point towards growth in client demand and an evolving set of needs that we are positioned to serve A robust strategy leveraging our scale and unique data assets to drive simpler and more seamless healthcare experiences TM#13experian Automotive Jennifer Schulz TM#14Business Unit Overview Comprehensive portfolio of unique Auto products and data assets powered by all US Experian Units OUR PRODUCTS 首 AutoCheck® ● Vehicle History Reports Summary Reports Report Elements EXPERIAN DATA North American Vehicle DatabaseSM 1 of only 2 vehicle databases that knows every vehicle on the road. 14 Experian Public • Targeting Retention ● Auto Marketing ● Engagement Attribution File OneSM Credit Database 1 of only 3 credit bureau databases. ● De Auto Statistics Market Analysis Statistical Reports Industry Loyalty Consumer View SM Marketing Database 1 of only 3 consumer databases. ● ● ● 83 Credit Solutions Profiles Prescreen / Prequal Account Management & Analytics Online Activity Database 5.4 billion+ digital actions from all device types. ● ● Value Recovery "Power booking* by dealers Diminished value for lenders' National Fraud DatabaseSM ‒‒‒‒ Multi-industry database of verified fraud records. TM#15Experian Automotive Large robust industry with strong track record of growth: Revenue, Profits, Product Sets, and Clients Served $10m 2000 Credit Ambition 15 © Experian Public $2.5b+ Market Opportunity Vehicle History Auto Statistics $50m Auto Marketing $100m 2010 Auto Loyalty $200m+ Experian Auto Revenue Diminished Value Value Recovery Double in size of revenue to $500m+ within the next five years 17.5% 20 yr. CAGR TODAY Lenders / Insurance Over 90% of the top-50 auto lenders rely on our reporting / solutions Original Equipment Manufacturers Over 85% of the top manufacturers use Experian solutions Dealers / Groups Over 15,000 dealers draw on our broad-range of solutions Integration Partners Linked with nearly all major industry participants including Portals, Media, Aftermarket, etc. Consumer Journey w/ECS е TM#16Vision: Power Every Decision Along the car buying, selling, and owning process, that drives the best outcomes Customer Journey D Auto Client Needs Select Experian Solutions Why We Win! Understand the Market Assessment of consumer needs & finding options ● Market Statistics & Reporting Loyalty Measurement • Market Data/Segmentation 16 Experian Public Understanding the Market Market Position Scale: #1 or 2 in 4 of 5 Product Lines ‒‒‒‒‒- Consideration to narrow down the choices + Shopping (locating the car, doing test drives) Acquire Customers ‒‒‒‒‒ Targeting the Right Customers Conquest Analysis and Target Marketing ● • Lead Qualification and Enrichment Data Assets Unique data assets: Vehicle, Consumer, and Credit + Manage Risks . Purchase (Contract negotiation, qualification, etc.) • Vehicle History Reporting Credit Financing + Collections + Portfolio & Fraud Solutions ● Consumer and Asset Transparency ‒‒‒‒‒‒‒‒‒‒ One Experian ‒‒‒‒‒‒‒‒‒ ‒‒‒‒‒‒‒‒‒ Leverage: CIS, DA, EMS, Partner with ECS + Owning (Post-sales, service, maintenance) Strengthen Relationships ‒‒‒‒‒‒‒‒‒ Influence Loyalty Customer Data Management and Recall Notification Customer Analysis + Target Marketing Expertise Dedicated Vertical: Proven Track Record 20+ years TM#17Industry Trends Trends Client Responses → Experian Opportunities Dealers/ Retailers STORE Lenders $ Original Equipment Manufacturers 17 Experian Public Online digital retail Enable full "contactless" sales process Drive MORE qualified leads Innovate & invest to drive more leads Challenges ramping production Not all components immediately available @ & Virtual & physical advertising media mix Reimagine marketing & advertising approach Improve customer acquisition Streamline application process while reducing fraud Avoid future "tail events" Through safety processes & building resilience Extend loan durations Ramp-up pre-qualify & offer upgrades Consumer purchasing Reimagine process, invest in top of funnel & virtual 1-1: Digital service process Appointment scheduling, drop-off & pick-up service MORE Lead-gen activity Also, capturing consumers during sales process Driving MORE awareness & processes Transparency, de-globalizing & de-risk supply chains Several mega-trends are On the RISE LIM on which will slowly transform the industry, but major changes will take decades ......... COVID slowed shared & (») autonomous; Connected & electric will continue to grow. :#18Key Strategic Focus Areas Pipeline in place for continued growth in reaching our ambition ${ Innovation Initiatives Make marketing easy to find, engage, convert and retain customers. Taking out the friction in vehicle financing & transacting online and offline. Power insights and decisions for vehicle marketing, sales and financing. Leverage unique set of vehicle, consumer, and credit data assets across One Experian to create transparency and sustainable competitive advantage. 18 Experian Public Highlight Initiative My Garage (2) $ 2017 Infiniti QX30 Base / Luxury / Premium / Sport Private Party Value $18,276 Ⓒ Insurance 3 Owner History Owner # 1 Vehicle History Report Report run 04/01/2021 Powered by Auto Data Manage 2017 Infiniti QX30 Base / Luxury / Premium / Sport VIN: SJKCH5CPXHA027480 Class: CUV - Premium Assembled In: United Kingdom Vehicle Age: 4 M Equity +$1,471 Location AL Loan Info price advice & read expert reviews. Ⓒ Recalls 0 found Owned From 1 Accident(s) Reported No State Title Brand Reported No Other Damage Reported Other Title Brand or Specific Event Reported No Odometer Problem(s) Reported Vehicle Value 01/23/2017 - 07/15/2019 go shopping Consumer Services+ Auto @ Vehicle History Ⓡ Open Recalls powered by✔ Auto Check Apartal Experian 87 Auto Check Score > Low High Similar vehicles score 86-91 Calculated Owners: 2 getting a detailed vehicle history report. TM#19Key Strategic Focus Areas Pipeline in place for continued growth in reaching our ambition 7 ${ Innovation Initiatives Make marketing easy to find, engage, convert and retain customers. Taking out the friction in vehicle financing & transacting online and offline. Power insights and decisions for vehicle marketing, sales and financing. Leverage unique set of vehicle, consumer, and credit data assets across One Experian to create transparency and sustainable competitive advantage. 19 Experian Public Highlight Initiative Identity Resolution Link fragmented data across channels to build customer profiles. Powered by Auto Data Cars Auto Marketing Insights Consumers Experian Marketing Engine View brand performance & penetration across market. EMS + Auto Audience Targeting Leverage automotive, predictive & lifestyle data. Credit Media Activation Leverage relationships with partners and digital platforms. Auto + Marketing Services Campaign Measurement Determine the ROI of your online and off- line campaigns. TM#20Experian Automotive Key takeaways Strong Market Position • A growth business with a strong record of revenue growth • Well position for continued growth 20 Experian Public Unique Data Assets • Data is transforming Automotive • We have competitive advantage with our diverse data assets + One Experian • Innovative & comprehensive portfolio of products • Leveraging the power of all US Experian BU solutions Auto Expertise • Dedicated business unit with over 20 years of expertise • Deep knowledge of the industry and clients needs TM#21experian North America Consumer Information Alex Lintner TM#22● ● ● BE THE CONSUMER'S BUREAU EXPAND THE CORE Extend market leadership in Consumer-Permissioned Data Add to our data assets to drive financial inclusion 22 Experian Public Grow Mortgage presence into additional segments ● ● OUR MISSION ● EXTEND INNOVATION SUCCESS Broaden our advantage with Ascend platform and ensure seamless integration across Experian Lead in Buy Now Pay Later Deliver Rental Industry firsts ● ● ● GROW EMPLOYER SERVICES AND VERIFICATION SOLUTIONS Introduce competition and differentiate with high-touch Customer Service and innovation Grow records to increase the Verification Solutions hit rate Maximize value across use cases / markets Invest to strengthen leadership position in technology e TM#23Our Mission to Be The Consumer's Bureau We unlock the power of data to create opportunities, improve lives and make a difference in society INDUSTRY-LEADING DATA ACCURACY DIFFERENTATED DIGITAL EXPERIENCE 23 Experian Public DRIVE FINANCIAL INCLUSION CONSUMER EMPOWERMENT / EXPERIAN BOOST :#24EXPAND THE CORE Helping consumers access credit through advanced, real- time analytics and differentiated consumer-permissioned data Grow 24 Experian Public Experian Boost™ ¶ 8m+ consumers and growing In partnership with Experian Consumer Services Expand Rental Data Aim to engage 100m+ renters Launch New-to-Credit 3 Aim to reach 26m+ credit invisibles and emerging consumers e TM#25EXPAND ΤΗΕ CORE Adding to our data assets to drive financial inclusion Experian now scores the entire 'applying-for-credit' population with our full range of expanded data Lift Premium, a recently released credit score, aggregates expanded-FCRA data to deliver: Increased 'visibility' New data assets allow us to score 17m previously credit invisible consumers Increased 'scorability' Ability to score 96% of U.S. credit-eligible consumers as compared to 82% leading scores Increased risk 'predictability' 26% improvement over previous thin file scores 25 Experian Public Buy Now Pay Later Rental Income and Employment Bank Transaction Social Security Administration Clarity Alternative Finance Traditional Credit Data Consumer- Permissioned Data Property Public License Credentials Education Utility and Telco And we're just getting started... Background O e TM#26ΕΧΤΕΝΟ INNOVATION SUCCESS Broadening our advantage with Ascend with near-term total contract value reaching US$0.5 billion Business Case Approved FY17 H1 Build Phase 26 Experian Public FY17 H2 Global Cumulative TCV .... Ascend Analytical Sandbox FY18 H1 US$16m FY18 H2 US$50m Ascend Account Review FY19 H1 US$100m Ascend Ascend Marketing Data Services FY19 H2 US$150m FY20 H1 ممها US$270m Ascend CECL Forecaster COLLABORATION ACROSS DATA, DECISIONING, AND TARGETING BUSINESSES FY20 H2 $ US$313m Ascend Portfolio Loss Forecaster FY21 H1 US$344m Ç Ascend Go We estimate the global market for analytics platform services is US$2bn+ FY21 H2 ~US$370m e TM#27ΕΧΤΕΝ D INNOVATION SUCCESS Historically, one third of our growth has come from innovations... with ample runway moving forward $ A 111 Fintech 27 Experian Public Buy Now Pay Later € Rental Industry ● ● ● US$300bn+ market value 25% CAGR (industry) US$160bn+ expected purchase volumes by 2025 50%+ per year industry growth rate Gaining share in US$500m+ total market 100m renters e TM#28GROW EMPLOYER SERVICES AND VERIFICATION SOLUTIONS The market is now open to competition and we are offering clients more innovation and choice Experian Employer Services Acquired entities delivering a comprehensive portfolio of high value services to employers KEY SERVICES Unemployment Claims Services (UCM) Employee Tax Credit Services (WOTC) Employment Eligibility (1-9) Compliance EMPLOYER PAYROLL Verification of Employment Fulfillment DATA Consulting services Growing employment and income data resource ee 28 Experian Public ↑ CONSUMER CONTRIBUTED DATA PAYROLL PARTNER DATA $ Experian Verification Solutions Portfolio of solutions to enable access to income and employment data for verifications KEY SERVICES Income Verification Employment Verification Asset Verification We are growing two discrete, interdependent businesses to address a tangible market opportunity e TN#29GROW EMPLOYER SERVICES AND VERIFICATION SOLUTIONS Grow records to expand Verification fulfillment capability Near-term target 50m Existing instant-hit coverage for Core, Plus, and Premium Mid-term target 80m Payroll active records 30m Om 29 Experian Public Key figure = 80m Represents ~50% coverage over employed US population 33.6m (Available records - July 2021) Active records for Core, Plus and Premium: A consumer with employment record with pay within last 90 days from inquiry date 160m Our plan to grow access to records Grow Employer Services client base 'Unlock' records for other purposes from Employer Services clients Additional payroll and consumer-permissioned partners Additional investments and acquisitions e TM#30GROW EMPLOYER SERVICES AND VERIFICATION SOLUTIONS Strong traction for Experian Verify with high demand from existing financial services clients and significant growth opportunity ahead CURRENT MARKETS UP NEXT 30 O Experian Public Card Personal Loans 0 Employment Screening $ (AUGUST) FINANCIAL SERVICES Tenant Screening A Auto HELOC Alternative Financial Services Insurance (SEPTEMBER) Mortgage (GSE approval tentatively expected for October and LOS integrations underway) 7 Public Sector / Government (FY 22 Q3) e TM#31INVEST ΤΟ STRENGTHEN LEADERSHIP POSITION IN TECHNOLOGY We're about halfway through our technology transformation and have already driven sustainable competitive advantage CLIENT-VISIBLE RESULTS TO DATE "Always-on" big data and analytics Dramatically reduced/eliminated time-consuming handoffs Enhanced information security Risk-point reductions with streamlined access and delivery Rapid product innovation Faster access to new features and capabilities Fresher data Continuous updates and deployment-aware refreshes 31 O Experian Public FUTURE CLIENT BENEFITS Elimination of legacy mainframe Enhanced resiliency for all clients through new platform services Seamless advanced analytics deployment Lead in modern ModelOps services that support end-to-end advanced analytics needs Fully integrated solution suites Seamless integration of Ascend with all other global platforms starting with PowerCurve for easy upgrades and interoperability. Expanded on-demand big data Access to the most comprehensive FCRA and non-FCRA data sources to perform end-to-end modeling and analytics. Significant cost savings already achieved and increasing e TM#32We are already the largest credit bureau in North America and we are extending our lead Expand the Core Helping consumers access credit through advanced analytics and differentiated data Expanding data assets to drive Financial Inclusion 32 Experian Public Differentiate our new businesses Two discrete businesses offer more choices for clients • Record growth will expand fulfilment capability • Great early traction in financial services with primary segments still to launch Continue to flex our innovation muscle ● Opportunity in Fintech, BNPL and Rental industries Continue Ascend growth with deeper relationships and new clients • Seamless integration across platforms to accelerate analytics deployments Ambition and market opportunity to drive sustained double-digit growth e TM#33experian Q&A TM Jennifer Schulz, Tom Cox, Alex Lintner, Lloyd Pitchford#34experian TM Barclays Global Credit Bureau Forum Wednesday 8 September 2021#35experian North America Consumer Services Jeff Softley TM#36We have a unique opportunity to become the largest, most inclusive financial platform in the world... 36 Experian Public FINANCIAL -Power- TO ALL Vyfull Our Ambition 100m+ Experian members in North America; Hundreds of millions globally Create high-value, daily interactions with members World-class Net Promoter Score Unique permissioned data model, at scale Consistent double-digit growth Innovating at scale globally to bring financial power to all e TM#37Our powerful distribution platform and diverse business model are uniquely positioned, and backed by a credit bureau Our position Our business We sit at the center of the financial ecosystem... We play a central role in important, digital workflows Traditional bureau competitors do not sit fully within any of these markets TransUnion EQUIFAX remium Subscription 37 Experian Public NETFLIX Norton LifeLock™ Truebill One prime With the key to unlock opportunities for consumers Over US$16bn in global TAM, with our data enabling many consumer journeys acorns Tech-Enabled Finance chime credit karma TM nerdwallet lendingtree® Online Marketplace With real materiality of direct relationships... Amongst the largest global financial platforms Powerful Distribution Platform Audience & Engagement • 116m+ members globally • High engagement model creates opportunity • Captive audience enables value expansion Key Strategic Drivers Diverse Business Model Data & Monetisation • Diversified business model • Recurring and transactional revenue model Material un-tapped value in Average Revenue per User (ARPU) е TM#38We are truly in a global league of consumer financial platforms with strong enrollment of our mobile app Global Customers NA Mobile App Downloads by Quarter PayPal experian. credit karma 116m+ 38 Experian Public 110m lendingtree afterpay Revolut 15m chime 12m Dave affirm 18m 16m 10m 6m 403m FY 20 Q4 FY21 Q1 FY21 Q2 Sources: AppAnnie, Apptopia, Internal Research FY21 Q3 NA Experian momentum and market share is accelerating acquisition and customer growth. FY21 Q4 credit karma experian nerdwallet lendingtree FY22 Q1 e TM#39In NA, we have launched and scaled new US$100m+ business lines with a portfolio of incremental opportunities ahead of us Credit Card Auto Market Opportunity New US$10bn+ NA Opportunity Verticals 39 Experian Public Personal Loans Investments Mortgage Insurance • Home • Auto . Life • Health Renters Financial Health Identity Management <US$20m Incubation Mortgage Life Insurance Home Insurance + More TBA Annual Run Rate (ARR) by Vertical US$100m+ Scale US$20m-100m Test & Learn Auto Insurance Personal Loans ARR = Annual Run Rate (most recent month rev x 12). Identity Theft Protection Credit Cards US$250m+ Maturity Financial Health TM#40We will invest in 4 key growth drivers which fuel the Direct to Consumer business AUDIENCE The size of our customer base DATA Orchestrating first party and consumer permissioned data to drive personalised 1:1 relationships 40 Experian Public MONETISATION The span of product verticals covered in our ecosystem and the relevance of our engagement with consumers ENGAGEMENT The frequency of opportunities we have to interact with our customers We will win by providing a depth and breadth of value to consumers that ONLY we can HIGH DATA % Utilisation AUDIENCE Member Base (m) HIGH V HIGH Ambition FY22 Revenue ENGAGEMENT Daily Active Users (m) MONETISATION Average Revenue per Monthly Active User ARPMAU (US$) HIGH e TM#41These key growth drivers have scaled the Credit Card vertical which is now a US$500m+ opportunity 9:41 Hi, Brett Marketplace Your latest offers from Experian partners. RECOMMENDED CARDS Dashboard DIAMOND PREFERRED 5424 1801 2345 6789 01/19 12/31/22 L WALKER 08 Annual Fee $0 Citi® Diamond Preferred® Card Matched for you AUTO INSURANCE Scores: 41 Experian Public citi ... Compare your current car insurance all APR 13.74% -23.74% (Variable) Reports Marketplace > *** More. AUDIENCE ENGAGEMENT DATA MONETISATION CREDIT CARD ANNUAL REVENUE BEFORE 2 years ago 20m Members 15% Monthly 50 Attributes <25 Lender Integrations US$22m TODAY 45m+ Members 25% Monthly 1k+ Attributes -50 Lender Integrations US$100m+ FUTURE 100m+ Members Daily 100k+ Attributes 100+ Lender Integrations US$500m+ e TM#42Growing our audience... Our best marketing campaign ever, continues Strategic partnerships with 2 top-five neo-banks Customer & data acquisition 42 Experian Public New to Credit program enables first time access to credit in minutes Launching Q3 300 CREDIT experian 9:41 650 FICO SCORES O 650 Hooray, let's celebrate your first FICO® Score! This starting point ean give you insight into what you've done well and how you can grow your credit. Check your score EQUIFAX TransUnion GOOD As of Jul 24, 2020 850 > ill 9:41 HIGH Looks like you're new around here. If you're curious about establishing credit and getting a credit score, we can help. L DATA % Utilisation Here's how it works • Passport card • Passport book Take a secure photo of one of these IDs: • Driver's license • State ID Take a selfie AUDIENCE Member Base (m) + HIGH HIGH+ FY22 Revenue Ambition ENGAGEMENT Dally Active Users (m) MONETISATION Average Revenue per Monthly Active User ARPMAU (S) → HIGH New to Credit tools open an untapped segment е TM#43Expanding monetisation... Multiple US$100m+ verticals in incubation Reinvent how consumers shop for insurance Premium membership expansion Digital privacy launching in Q3 43 Experian Public Digital privacy features expand premium membership 9:41 Premium Start protecting your identity with a free privacy scan X Quarterly 3-bureau report & FICO® Scores Monitoring of all 3 Credit Bureaus with alerts Daily Experian Credit Report & FICO® score refresh ✔ $1 million in identity theft insurance Get it now 9:41 < Back AUTO experianinsurance.com ... (C) ADD HOME TO SAVE + Top quotes experian. RECOMMENDED QUOTE P Progressive Allstate 4.74 EXCELLENT (5,000+) 4.24 GOOD (5,000+) Travelers 4.52 VERY GOOD (2,500+) Show all 8 quotes Additional offers StateFarm 4.24 GOOD Contact Change coverage $120 MONTHLY $145 MONTHLY $162 MONTHLY →> Get Quote → HIGH DATA % Utilisation AUDIENCE Member Base (m) HIGH 4 HIGH FY22 Revenue Ambition ENGAGEMENT Dally Active Users (m) Next generation of auto insurance marketplace MONETISATION Average Revenue per Monthly Active User ARPMAU (S) HIGH e TM#44Premium membership now draws from a growing free member base and expanding product Customer Base Premium Premium Subscription: 44 Experian Public Free Large pool of opportunity with expanding freemium audience Freemium model enables continued scale of the premium member base Current Features Credit Education Identity Theft Protect Underway Financial Health Premium Ecosystem Digital Privacy Launching Q3 Identity Management Large, adjacent features will augment the value of premium membership Consent HIGH DATA % Utilisation Expansion Potential Permission -ing Verification AUDIENCE Member Base (m) HIGH Focus on financial health, privacy and identity management 4 HIGH FY22 Revenue Ambition ENGAGEMENT Dally Active Users (m) Significant expansion potential for premium membership MONETISATION Average Revenue per Monthly Active User ARPMAU (S) HIGH TM#45Our distribution platform can be paired with Experian's automotive assets to create material new revenue streams % of Member Base in the Market for Auto* 52% 45 Experian Public % of Households with a Vehicle 91% % Vehicle & Insurance Shopping Done Online >70% Current Features Initial efforts have created annualised exit revenue circa US$40m Auto Insurance Offers Vehicle Background Check Expansion Potential Vehicle Shopping Auto Ecosystem Extended Maintenance Warranty Sale of Current Vehicle Loan Shopping HIGH Sources: *Engaged customers (logged in in the past 180 days) with ITMM > 700 (high intent), US Census, Auto Trader DATA % Utilisation AUDIENCE Member Base (m) Experian data assets underly several key consumer needs HIGH 4 HIGH FY22 Revenue Ambition ENGAGEMENT Dally Active Users (m) MONETISATION Average Revenue per Monthly Active User ARPMAU (S) Consumer permissioned data at scale can fuel both Consumer and B2B businesses HIGH e TM#46Scaling engagement... Daily utility products in development New mobile app Compounding revenue potential as engagement and monetisation grow 46 Experian Public New app provides insight daily 9:41 Hi, Brett Take a look at the big picture of your credit. CREDIT experian. 770 FICO SCORE 80 300 Total Debt $9,779 +$500 +7 Pts MONEY EQUIFAX Instantly raise your FICO® Score with Experian Boost™ July Cash Flow $300 Credit Usage 25% -5% all 10 TransUnion VERY GOOD As of Jul 24, 2020 850 Predict you the Score S Accounts 3 9:41 > Welcome, Brett! There's nothing on your credit report yet, but that's where we come in. Let's figure out your first step. CREDIT Find your credit path experian FICO SCORES 0 EQUIFAX HIGH START DATA % Utilisation As of Jut 24, 2020 You may not have enough credit history for us to generate your FICO Score 8. AUDIENCE Member Base (m) Find your best path for starting your credit journey. 4 HIGH HIGH Y FY22 Revenue Ambition ENGAGEMENT Daily Active Users (m) Instantly ra with Experi MONETISATION Average Revenue per Monthly Active User ARPMAU (S) HIGH : TM#47Unleashing data to help consumers... New, expanded ways for consumers to share data 10% of data in use, investing to unleash 1:1 personalisation Available Data Points FY 18 47 Experian Public FY 19 Volume of available data is growing exponentially FY 20 New boosts coming FY21 FY22 experian. Boost. Add your service provider QYour provider name AT&T verizon COMCAST T-Mobile- Spectrum Time Warner Cable COX boost mobile Back to bank search X HIGH DATA % Utilisation AUDIENCE Member Base (m) HIGH 4 HIGH FY22 Revenue Ambition ENGAGEMENT Daily Active Users (m) Consumers can boost their credit scores with utility credentials (in addition to bank, credit card) MONETISATION Average Revenue per Monthly Active User ARPMAU ($) MIGU HIGH e TM#48Our platform, role and mission positions us to create social good ACCESS TO FINANCE We will help -25% of the US adult population get better access to credit and control over their financial health 48 Experian Public SAVE MONEY We will save US consumers US$100m+ by helping them manage their financial lives $ Financial power to all. REDUCE DEBT We will help US consumers resolve ~US$20m in delinquent debt and get them back on a path to financial health e TM#49experian TM Consumer Services in Brazil Silvio Frison#5050 Net Revenue (US$ millions) Serasa ecosystem - enabling Credit for All A scalable financial platform with an end-to-end digital collection, credit marketplace and subscription solution 5 FY17 5 FY17 7 FY18 O Experian Public +110% 15 FY19 Productivity (US$ thousands/FTE/month) +58% 36 FY20 5 7 FY18 FY19 *Source: Team analysis | FY21 Fx rate: R$ 4.12. 13 FY20 94 FY21 29 FY21 Strategy ■ Highlights Unique opportunity to become the largest consumer financial platform in Brazil KPIs ▪ Positive data will accelerate the shift to digital ▪ Potential to be bigger than B2B business in Brazil ▪ +110% CAGR in 4 years (169% last year) ▪ Serasa will be the go-to place for consumers digital financial needs ▪ Exclusive and compelling local brand Products ▪ Positioned to be the market leader B S experian#51Evolution 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#52T Consumer Services Strategy: Credit for All Serasa delivers a broad market leading platform of services to enable credit access for all Brazilians Engagement: Serasa Free Free ID Report O Consumer Financial Life Timeline and Target Products Transactional Products Collection Marketplace serasa limpa nome 300 Score Credit Marketplace S serasa ecred Distribution Strategy Financial Education serasa box Serasa Media/E-wallet KPIs Premium Subscription 700 L Products Positive Data serasa premium 1000 experian 1 I I I I 1 I I I I I I I I I 1 I 1 1 I I I I I 1 I I I I I I I 1#53Rapidly scaling memberships Serasa has connected with more than 1/3 of the Brazilian adult population Free Member Enrollments (millions) 53 11 FY17 Total Adult Banked 22 O Experian Public FY18 +51% 32 Brazilian Population (millions) FY19 213 161 45 FY20 127 59 FY21 37% of Brazilian adult population 15m new banked vs 2020 * Source: IBGE, 2021 | Instituto Locomotiva: Abr, 2021 | Team analysis. Serasa Solutions 18:38 Carteira Serasa Pagar suas contas agora ficou mais fácil! Soluções Carteira Serasa Pague suas contas Propostas & Acordos Home Strategy Monitoramento de CPF ativo Veja o relatório completo Busca por crédito Propostas Veja se você tem propostas para quitar suas dívidas Acordos Acompanhe seus acordos negociados Cartões Cartão de crédito e pré-pago 88 - - ا... Empréstimo Pessoal, com garantia de imóvel ou veículo Ajuda G • Perfil I KPIs Free Report Products Serasa Score ID Monitoring Financial Wellness E-wallet Positive Data experian#54Serasa | The largest Brazilian fintech Driving mass consumer engagement Web Visits (millions) 54 FY17 12 FY19 54 Experian Public 194 FY18 +82% 291 FY19 433 Unique Web Users: Monthly Average (millions) +31% 16 FY20 FY20 589 20 FY21 65% Organic Traffic FY21 20% Financial Audience Share (%) *Nov/20 10% Strategy 10% Caixa Serasa Bradesco 6 App: Active Users (millions) Mar/20 10% Itaú +34% KPIs * Source: Google Analytics; Similar Web; Team analysis | Organic Traffic: Direct access to the website | Financial Audience: searches on Google; Nov 2020. 9% Santander Nubank 8 Products Mar/21 6% experian#55Partners Collection Marketplace (Limpa Nome) Limpa Nome is already the go-to solution for Brazilians to negotiate their debt and pay their bills Discounts Conceded (US$ billions) 13 FY19 Deals (millions) 2 FY19 55 Experian Public +102% 34 FY20 +299% 8 FY20 53 FY21 26 FY21 *Source: Team analysis | LNO came to ECS in FY19 | FY21 Fx rate: R$ 4.12. Strategy 4 FY19 +341% 4 FY19 Limpa Nome | Net Revenue (US$ millions) FY20 +299% KPIs 19 FY20 13 FY21 63 FY21 Products 85% Average Discount experian#568 Delinquent Collection Marketplace (Limpa Nome) Limpa Nome enables Brazilians to negotiate their debt, offering them an end-to-end digital solution How Limpa Nome Works Debts 19. 56 Experian Public vi serasa limpa nome Offers ▪ Limpa Nome connects the delinquent users with our integrated partners Itaú Claro- Deal Revenue Sharing Transfer Strategy Itaú Fee KPIs Payment goes directly to the partner ▪ How the money flows Score Turbo serasa limpa nome ---- ■ Products Back to credit Delinquent users coming back to credit experian#57Collection Marketplace (Limpa Nome) Despite Limpa Nome's great success, there are still four big issues to be resolved Latent Opportunities 57 1 2 $ O Experian Public Money Flow Money flows to creditor/lender first ■ ▪ 4-6 weeks for Serasa to get the money Marketing Efficiency ▪ Money spent to reach consumers who have already paid off their debts ▪ Need to define the right targets 3 4 T Strategy Expansion to SMB Market ▪ Focus is currently on large lenders KPIs ▪ Not seizing the incremental opportunity Consumer Contributed Data ▪ Score out of date ■ Products Upset consumers experian#5858 R$ 107,07 Collection Marketplace (Limpa Nome) E-wallet and Self Setup provide solutions to these issues and complete the journey of collection digitisation Solutions Sku Igastr En brow டு Loq t www.k En tred VII i partu su Sunda. Su O Experian Public Tu Simulu cnidive Ofertas de emprést mc cartão " E-wallet Solution for 1, 2 and 4 I Integrated gateway Banking-as-a-service Money will flow first to Limpa Nome Improves marketing efficiency ▪ Real-time score update Strategy Limpa Nome Self Setup Solution for 3 Payment DO¹ ▬▬▬▬▬▬ Company KPIs serasa limpa nome User Products $ Debts experian#59Members Credit Marketplace (eCred) E-cred provides an ecosystem to connect big banks and fintechs with our membership base at scale 59 million ▪ Member Base ▪ Serasa Ecosystem 59 Experian Public eCred a consular a consultar a consultan a consultan digio man para ANNO aconsultar Gratis Santander Free a consulter Smiles Santander Gold R$ 354,00 7 beneficios 5 beneficios 3 beneficios and pui de cond e-Cred Platform BUTT SKAAPE eCred O crédito ideal para todo tipo de Score kan de di Or As vantagens do Serasa eCred ▪ ▪ Credit cards ▪ Media Carties CO oferta Hadrice Pan ENCONTRADA ofertas de crédito que mais corespondem a sua busca Personal Loans 10 meses (cha desple 12x de R$ 3.645,39 RA VOCE coes com dresestes valores e parcelas informar garantia de imóvel Gare de cul 2018 100 000.00 CET-CT 5.96% ao mos que p NOVA SIMULAÇÃO Strategy Solicitar Revenue Share KPIs Main Transactional Partners Traditional Banks Itaú Fintechs Products Ccreditas Santander sim. empréstimo simples experian#6060 ■ Credit Card Credit Marketplace (eCred) eCred enables Brazilians to easily compare and obtain credit, the main reason they connect with Serasa Main Offers eCred: Confirmed Orders (millions) ▪ Personal Loans ▪ Payroll Secured Loan Secured Loan ■ eCred: Net Revenue (millions) 2 FY19 O Experian Public +183% 7 FY20 CARTÃO DE CRÉDITO PARA TODO TIPO DE PERFIL Solicitar serasa eCred porady 18 FY21 * Market size source: Bacen/Febraban; Feb, 2020 | Source: Team analysis | FY21 Fx rate: R$ 4.12. 2 FY19 Strategy 138 FY19 +66% 3 FY20 eCred: Credit Cards (thousands) +240% KPIs 362 FY20 LO Products 5 FY21 1,594 FY21 experian#61Serasa Premium A subscription solution designed to provide enhanced benefits to our users Free vs Premium Functionalities Credit card payment Score inquiry Free financial education content Free ID Report 61 O Experian Public monitorar consultas ao seu CPF e CNPJ previne fraudes serasa Em breve, seu relatório fica pronto Saiba mais Ola, NOME Tudo bem? Bem-vindo ao nosso serviço de monitoramento gratuito solicitou o relatório com detalhes das consultas ao seu nome ou empresa. Estamos preparando as informações completas para você e dentro de 24 horas ele estará disponivel. Caso tenha um número de celular atualizado no nosso cadastro, enviaremos um SMS quando estiver tudo pronto. No relatório, você encontrará detalhes, como: Consultas feitas ao seu CPF ou CNPJ nos últimos 24 meses; O Nome da empresa que consultou e a data dessa ocorrência; Todas as empresas abertas em seu nome. Ocorrências como consultas desconhecidas VS 14:16 ← Monitoramento de CPF Seu plano: Premium Consultas em seu nome Pendências 画 CPF D CPF Home Celulares E-mails Passaportes Serviços S Vaza Empresas 9 Pagar serasa premium Dividas em seu nome P I Outros Perfil Payment flexibility Active monitoring: Detailed Score and Dark Web Free and exclusive financial education content Lock & Unlock function Strategy Lock & Unlock Com o seu Serasa Score bloqueado, sua pontuação não será exibida em consultas externas e você pode ficar mais protegido contra fraudes. O cálculo do seu Serasa Score continuará ocorrendo normalmente de acordo com seu comportamento financeiro. As empresas que te consultarem serão informadas que você solicitou o bloqueio do Serasa Score. Bloqueio às consultas desbloqueado KPIs Confirmar ← Voltar bloqueado Saiba mais sobre o Lock&Unlock Products Consumer: Define Serasa Score availability to market Serasa: Score control Companies: Open to credit information experian#62What is next? Serasa will be the one-stop-shop for financial life Score 0 S premium serasa Score 300 ecred serasa 62 Experian Public Th serasa cadastro positivo ensina serasa B S limpa nome serasa score serasa Score 700 Score 1000 serasa score ● ● serasa limpa nome ● SERASA ● Comprehensive credit scan ● Renegotiate debts Get special discounts E-wallet serasa ensina Financial education € serasa cadastro positivo Score improvement serasa ecred ● ● ● Personal credit Credit card Financing serasa premium ● ID monitoring Cashback experian#63experian Q&A TM Silvio Frison, Jeff Softley, Lloyd Pitchford Moderated by Paul Sullivan#64experian TM Wrap up/Close Lloyd Pitchford and Paul Sullivan#65experian TM Barclays Global Credit Bureau Forum Wednesday 8 September 2021#66experian TM ©2021 Experian Information Solutions, Inc. All rights reserved. Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian. Experian Public