#1experian TM Preliminary results for the year ended 31 March 2022 18 May 2022 Ⓒ Experian, 2022. 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 Strategic and operational overview Brian Cassin, Chief Executive Officer Ⓒ Experian, 2022. 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.#3Delivering strong growth: accelerating B2B and step-change in Consumer Services ● ● ● ● ● ● Financial highlights Total revenue +17% at actual rates, +17% at constant FX and +12% organically² Benchmark EBIT margin +60 basis points up at constant rates Benchmark earnings per share +21% at constant and actual rates Cash flow conversion of 109%; Net debt/Benchmark EBITDA 1.9x Second interim dividend raised by 10% US$175m net share repurchase 3 O Experian Public ● ● B2B¹ +9%² ● Volume growth driven by rebound and alternative data assets Broadening Ascend and deploying cloud-enabled platforms • Successful expansion into new client segments, e.g. BNPL Executing verifications entry strategy and expanding in priority verticals • Accelerating positive data ● adoption in Brazil ● Consumer +22%² Free membership growth, up 24m to 134m • Enriching premium offers to enhance engagement ● • Significant credit marketplace growth Progressing our entry into insurance marketplace 1 Business-to-Business. 2 Organic revenue growth for the year ended 31 March 2022. BNPL: Buy Now Pay Later. BPS: Basis Points. ● ● experian. Geographic Double-digit organic revenue growth across our three large geographies, plus selective M&A UK and Ireland transformation programme on track, 550 bps margin accretion Taking next step to enhance performance in EMEA/Asia Pacific, 600 bps margin accretion#4FY22 strategic highlights: significant contribution from organic investment; acquisitions supplement core strategies Free member base (millions) 40 4 FY18 66 57 FY19 New and key scaling products revenue (US$m) 108 213 82 FY20 O Experian Public 359 Organic 537 FY16 FY17 FY18 FY19 FY20 110 FY21 678 FY21 134 FY22 909 FY22 UK Brazil USA Consumer: Marketplace Auto insurance Brazil consumer B2B Ascend modules CrossCore Experian One Precise ID i ‒‒‒‒‒‒‒‒‒‒ ويلي ‒‒‒‒‒‒‒‒‒‒ no ‒‒‒‒‒‒‒‒‒‒‒ Redefining Consumer Services far beyond credit scores and monitoring Leading the next phase of credit decisioning development Expanding in new growth markets Inorganic Driving to scale in our smaller regions Capitalising on a unique market opportunity in Brazil Gabibillfixers Get a better Insurance. EMPTECH experian. Post year-end. LANDMARK INSURANCE SERVICES HOME AUTO - LIFE BUSINESS ‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒ ‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒ ‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒ + pague✔velaz Cicplus tcc Sinacofi Buró ‒‒‒‒ ‒‒‒‒‒‒‒‒ ‒‒‒ MOVA ‒‒‒‒‒#5Our strategy addresses high-growth markets through defined initiatives We're oriented to higher-growth market spaces Big data and analytics Consumer platforms Global Decision Analytics US$16bn Core Consumer Information Business Information US$8-10bn Health US$15bn 5 US$55bn+ US$22bn+ US$20bn US$5bn Targeting data and identity resolution O Experian Public Addressed through a defined set of strategic initiatives 鼠 Lillio Redefining Consumer Services far beyond credit scores and monitoring Leading the next phase of credit decisioning development nExpanding in new growth markets Driving to scale in our smaller regions Capitalising on a unique arket opportunity in Brazil Serving a broad range of clients People Mainstream finance FinTech ‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒ BNPL Big Tech Hospitals Retail Media ‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒ experian. Addressing critical needs Help me to manage my finances Help us to reduce losses Help us reduce technology infrastructure costs Help us deliver a frictionless but compliant journey Help us adapt and respond to digital lending Help us serve underserved communities Help us drive digital-centric journeys Help us reduce fraud risk Help us to find and keep the best customers#6ESG strategy highlights - progressing towards our key targets ● • Reached 82m people with Social Innovation and connected with 87m through United for Financial Health, making good progress towards our respective 100m targets • Furthered our commitment on gender diversity; 33% of Senior Leaders are female and 36% of Board • Continuing to progress on our carbon neutral commitment ● 6 • reduced Scope 1 and 2 emissions by 44% since 2019 base year ● commencing planning towards net zero in our own operations BIG INNOVATION 20 22 O Experian Public FORTUNE CHANGE THE WORLD 2021 FORTUNE 100 BEST COMPANIES TO WORK FOR 2021 Great Place To Work® E BEST HUMAN RIGHTS CAMPAIGN PLACES TO WORK 2022 for LGBTQ+ Equality 100% CORPORATE EQUALITY INDEX Improving financial health for all Treating data with respect Inspiring and supporting our people PwC's Building Public Trust Awards 2021 Highly Commended for Cyber Security Reporting in the FTSE 350 experian. Working with integrity statista Protecting the environment FT FINANCIAL CLIMATE TIMES LEADERS 2022 CDP SUPPLIER ENGAGEMENT LEADER 2021#7North America: performing strongly, successful strategic execution; +13%* ● ● 7 Bureau volume growth reflecting: Client loan book expansion; clients seeking to acquire new customers ● ● ● ● Data and innovation-led growth ● Strength in short-term lending New client mandates Broadening of our data assets; e.g. investment to ensure more of the US population becomes scoreable Clients investing in digital capabilities: • Further progress with Ascend. Expanding the range of Ascend use cases and integrating Ascend with cloud- enabled decisioning Extending cloud-enabled decisioning and analytics to new client segments, e.g. in mid-market O Experian Public ● ● Realising new opportunities in key verticals Expanding our position in Buy Now Pay Later. Introducing new specialty bureau Verification Services exceeds expectations in first full year: Over 100 clients signed ● ● ● Record count reaches 42m experian. • Strong demand in Health for propositions which drive digital patient interactions, some COVID-19 one-off contribution • Automotive traction with key innovations including Experian Audience Engine, despite external headwinds Tapad synergies drive new business momentum in Targeting * North America organic revenue growth for the year ended 31 March 2022.#8North America Consumer Services: moving ahead by bringing new value to our members, +21%* 8 O Experian Public Building our next growth horizons... Free members rise by 11m to 52m ● Expanding the Experian marketplace Scaling our credit marketplace as lenders introduce more pre- approved offers ● ● experian. Establishing the next generation of premium services Expanding credit monitoring to financial health, starting with bill negotiation through Billfixers Expanding identity theft protection to include privacy features Integration of Gabi enables us to provide a unique way to bring car insurance shopping to our member base ● More to come for our members New ways to Boost • Next generation-propositions in development to drive daily utility * North America Consumer Services organic revenue growth for the year ended 31 March 2022#9Latin America: seizing the opportunity in Brazil; expanding regional footprint; +17%* Extending in core credit and laying foundations in new verticals • Extended our range of positive data attributes and scores. Enriching our data assets with alternative and consumer- permissioned sources • More clients for Ascend, growing decisioning software, investing in Serasa Score and expanding our range of analytics • BrScan acquisition has expanded our opportunity in fraud and identity management • Developing new vertical opportunities, e.g. agribusiness where credit allocation methodologies have scope to improve in efficiency O Experian Public 9 ● Broadening our revenue streams in Consumer Services Free membership of 71m (45% of adult Brazilian population) ● • Serasa eCred is becoming the go-to platform for millions of consumers to access credit, driving marketplace growth ● • PagueVeloz integration underway. Adds opportunity in SME debt negotiation New premium features like 'lock/unlock' are extending our ecosystem into premium services * Organic revenue growth for the year ended 31 March 2022. Before Next Now Regulatory reforms are unlocking new sources of data Negative Negative Positive Negative experian Positive Open Finance Alternative Open Finance Alternative#10UK and Ireland: on a stronger trajectory, with improved margins; laying foundations for sustained growth, +11%* 10 O Experian Public * experian Boosted. +65 points 939 * B2B drivers Very strong year for new business performance, which underpins FY23 growth prospects ● ● experian. • Wins across a broad spectrum of clients, including FinTech and BNPL ● Clients focusing on new credit acquisitions, with greater appetite to understand disposable income Consumer Services • Further free membership growth, +1.5m to 11m Credit marketplace continues to scale, providing consumers with choice, transparency and more ways to save money Organic revenue growth for the year ended 31 March 2022. Driven by our data superiority, strength in analytics, and fraud and identity management#11EMEA/Asia Pacific - positioning to drive meaningful value for Experian; +3%* ● • Further streamlining our operational and geographic footprint ● Focusing on our scale markets 11 Ambition to increase proportion of recurring revenue and deliver more profitable growth O Experian Public * Organic revenue growth for the year ended 31 March 2022. MEDI experian. INT#12experian Financial Review TM Lloyd Pitchford, Chief Financial Officer Ⓒ Experian, 2022. 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.#13FY22 Highlights 13 Revenue (Ongoing activities) EBIT (Ongoing activities) EPS Operating cash flow Dividend Funding and liquidity Total revenue growth Organic revenue growth Constant FX rates Actual FX rates 17% Benchmark EBIT growth Benchmark EBIT margin progression Benchmark earnings per share growth Benchmark operating cash flow conversion Benchmark operating cash flow growth Total dividend per share growth Net debt to Benchmark EBITDA 17% 12% 19% 60 bps 21% 19% 40 bps 21% 109% 22% 10% Certain financial data has been rounded within this presentation. As a result of this rounding, the totals of data presented may vary slightly from the arithmetic totals of such data. Revenue, Benchmark EBIT growth and Benchmark EBIT margin are on an ongoing activities basis. FX = foreign exchange. O Experian Public experian. Results US$6,267m US$ 1,640m USC 124.5 US$1,800m USC 51.75 1.9x#14Revenue growth trends 14 7% 6% Q1 9% 7% Q2 O Experian Public FY20 9% 7% Q3 11% 10% Q4 (1)% (2)% Q1 7% 5% Q2 FY21 10% 7% Q3 Growth rates at constant currency and for ongoing activities only. 9% 5% Q4 28% 22% Q1 15% 11% Q2 15% Inorganic revenue growth Organic revenue growth 11% FY22 Q3 11% 9% Q4 9% 8% FY20 experian. 7% 4% Full year 17% 12% FY21 FY22#15Segmental trends 15 B2B reflecting strong recovery in our core markets 9% 8% FY18 Ⓒ Experian Public 10% 9% FY19 9% 7% FY20 3% 0% FY21 Growth rates at constant currency and for ongoing activities only. B2B Business to Business 15% 9% FY22 (2)% (5)% Strong growth momentum in Consumer Services FY18 Inorganic revenue growth Organic revenue growth 6% FY19 11% 10% experian FY20 17% FY21 23% 22% FY22#16Regional organic revenue trends 16 6% FY18 0% FY18 Ⓒ Experian Public 10% North America (65%) FY19 4% 11% FY19 FY20 UK and Ireland (14%*) (2)% FY20 7% FY21 (6)% FY21 13% FY22 11% FY22 6% FY18 11% FY18 Organic growth rates at constant currency and for ongoing activities only. * % of FY22 Group revenue from ongoing activities at actual exchange rates. 6% Latin America (13%) FY19 14% 13% FY19 FY20 ‒‒‒‒‒‒‒‒‒‒‒‒‒‒ EMEA/Asia Pacific (8%*) (3)% 9% FY20 experian. FY21 (14)% FY21 17% FY22 3% FY22#17Benchmark EBIT margin 17 25.9% FY21 reported O Experian Public (0.1%) Exited activities 25.8% FY21 restated 1.0% B2B +60bps margin expansion 0.4% Consumer Services (0.8%) Central Activities and mix Benchmark EBIT margin on an ongoing activities basis at actual exchange rates. (0.2%) Foreign exchange experian. 26.2% FY22 reported#18Benchmark earnings per share (EPS) 18 USC 103.1 FY21 reported Benchmark EPS O Experian Public +19% Constant currency growth FY22 Benchmark EBIT growth from continuing operations¹ Interest Tax and minority interest Share issues 1 Includes exited business activities. +21% EPS constant currency growth FY22 Benchmark EPS before FX Foreign exchange experian. +21% EPS actual currency growth USC 124.5 FY22 reported Benchmark EPS#19Cash flow generation 19 US$m Benchmark operating cash flow¹ 88% cash conversion 1,214 FY20 Ⓒ Experian Public 106% cash conversion 1,476 FY21 109% cash conversion 1,800 FY22 ● ● ● ● experian. Strong cash flow generation and conversion One-off cash receipt and positive mix impact from Consumer Services Benchmark operating cash flow increased US$324m, 22% up on the previous year Net capital expenditure represents 8% of revenue 1 Benchmark operating cash flow is defined as Benchmark EBIT plus amortisation, depreciation and charges for share-based incentive plans, less net capital expenditure and adjusted for changes in working capital, principal lease payments and the Group's share of the Benchmark profit or loss retained in continuing associates.#20Capital summary 20 US$m 2,000 1,800 1,600 1,400 1,200 1,000 800 600 400 200 0 O Experian Public Capital summary Funds from 1 Operations Cash generated Decrease in Net debt and other Acquisitions and minority investments Share repurchases Dividends paid Organic capital investment Uses of cash ● ● ● US$813m acquisitions and minority investments in the year Shareholder returns of US$593m: experian. ● US$149m Net share repurchases • Cash dividends of US$444m Full-year dividend growth of 10% Leverage ratio 1.9x Net debt / Benchmark EBITDA² 1 Funds from Operations is defined as Benchmark free cash flow plus organic capital investment (capital expenditure). 2 Net debt definition has been updated to include lease obligations, following changes in market adoption of the recently implemented IFRS16.#21Reconciliation of Benchmark to Statutory PBT Year ended 31 March US$m 21 Benchmark profit before tax Amortisation of acquisition intangibles Acquisition and disposal expenses Contingent consideration Gains and losses on disposals¹ Other items Statutory profit before tax before non-cash financing remeasurements Non-cash financing remeasurements Statutory profit before tax Ⓒ Experian Public 2022 1,535 (174) (47) (26) 16 (25) 1,279 168 1,447 1 Includes businesses and associates, the share of non-benchmark losses on associates. PBT = profit before tax. 2021 1,265 (138) (41) (1) 83 (96) 1,072 5 1,077 Growth % (actual rates) 21 19 34 experian. Growth % (constant rates) 22#22Modelling considerations for FY23 22 Organic revenue growth Acquisitions¹ Benchmark EBIT margin¹ Foreign exchange Net interest Benchmark tax rate O Experian Public WANOS² Capital Expenditure Benchmark OCF3 conversion Share repurchases 1 At constant exchange rates. 2 Weighted average number of shares. 3 Operating cash flow. 7-9% 1% contribution to growth Modest margin improvement at constant exchange rates c. -1% on revenue, flat on Benchmark EBIT, c. +40 basis points on benchmark EBIT margin c. US$120-125m c.26% c.914m c.9% of revenue >90% US$175m experian#23experian Summary TM Brian Cassin, Chief Executive Officer Ⓒ Experian, 2022. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and company names mentioned herein are the trademarks of their respective owners. Experian Public.#24Summary FY22 continued our track record of growth Starting to realise the opportunities in Consumer Services Executing on our strategic initiatives in B2B • We expect another year of good growth in FY23 ● ● ● 24 Powering opportunities and helping to create a better tomorrow O Experian Public experian.#25experian TM Preliminary results for the year ended 31 March 2022 18 May 2022 Ⓒ Experian, 2022. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and company names mentioned herein are the trademarks of their respective owners. Experian Public.#26experian Appendix TM Ⓒ Experian, 2022. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and company names mentioned herein are the trademarks of their respective owners. Experian Public.#27North America 27 Year ended 31 March US$m O Experian Public Data Decisioning Business-to-Business Consumer Services Total revenue Benchmark EBIT - ongoing activities Benchmark EBIT margin All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. 2022 2,033 784 2,817 1,305 4,122 1,381 33.5% 2021 1,761 694 2,455 1,075 3,530 1,201 34.0% Total growth 15% 13% 15% 21% 17% 15% Organic growth 9% 13% 10% 21% 13% experian.#28Latin America 28 Year ended 31 March US$m O Experian Public Data Decisioning Business-to-Business Consumer Services Total revenue Benchmark EBIT - ongoing activities Benchmark EBIT margin All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. 2022 528 149 677 114 791 223 28.2% 2021 457 92 549 76 625 172 27.5% Total growth 15% 60% 22% 49% 25% 27% Organic growth 12% 21% 14% 40% 17% experian.#29UK and Ireland 29 Year ended 31 March US$m O Experian Public Data Decisioning Business-to-Business Consumer Services Total revenue Benchmark EBIT - ongoing activities Benchmark EBIT margin 2022 409 244 653 194 847 188 22.2% 2021 361 220 581 156 737 123 16.7% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. Revenue and Benchmark EBIT have been re-presented for the reclassification to exited business activities of certain B2C businesses. Total growth 9% 7% 9% 19% 11% 51% Organic growth 9% 7% 8% 19% 11% experian.#30EMEA/Asia Pacific 30 Year ended 31 March US$m O Experian Public Data Decisioning Total revenue Benchmark EBIT - ongoing activities Benchmark EBIT margin 2022 343 164 507 0 0.0% 2021 284 166 450 (27) (6.0)% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. Revenue and Benchmark EBIT have been re-presented for the reclassification to exited business activities of certain B2B businesses. Total growth 20% 2% 13% 122% Organic growth 4% 1% 3% experian.#31Quarterly organic growth trends Data Decisioning Consumer Data Decisioning Consumer 31 North America (NA) CI/BI bureaux CI / BI bureaux, excluding Mortgage Mortgage Automotive Targeting Health DA / Other Consumer Services Latin America (LA) CI/BI bureaux Other DA / Other Consumer Services Total NA and LA O Experian Public % of Group revenue ¹ 65% 24% 20% 4% 4% 3% 8% 5% 21% 13% 8% 1% 2% 2% Q1 22% 20% 26% 0% 11% 32% 19% 14% 28% 25% 17% (6)% 34% 107% Q2 11% 5% 13% (20)% 6% 16% 13% 7% 21% 16% 11% (6)% 28% 41% Q3 12% 13% 8% 15% (21)% 4% 7% 17% 13% 19% 11% 10% 14% 9% 19% 12% 78% 22% 1 Percentage of group revenue from ongoing activities calculated based on FY22 revenue at actual rates. Organic growth rates at constant currency. CI - Consumer Information. BI - Business Information. DA - Decision Analytics. Ascend revenue is largely recognised in Cl bureaux. Mortgage Profiles is in CI bureaux. Q4 8% 3% 10% (24)% 4% 6% 10% 7% 17% 17% 14% (1)% 19% 33% 10% experian. FY 13% 9% 16% (16)% 6% 13% 15% 10% 21% 17% 13% 0% 21% 40% 14%#32Quarterly organic growth trends Data Decisioning Consumer 32 UK and Ireland CI/BI bureaux Targeting / Auto DA / Other Consumer Services EMEA/Asia Pacific EMEA O Experian Public Asia Pacific Total Global % of Group revenue¹ 14% 6% 1% 4% 3% 8% 5% 3% 100% Q1 20% 19% 21% 8% 37% 19% 26% 10% 22% 1 Percentage of group revenue from ongoing activities calculated based on FY22 revenue at actual rates. Organic growth rates at constant currency. Q2 11% 9% 1% 6% 23% (2)% (6)% 6% 11% Q3 8% 6% 4% 7% 13% 0% (4)% 10% 11% Q4 6% 5% 7% 7% 6% 4% 0% 15% 9% experian. FY 11% 9% 8% 7% 19% 3% (1)% 10% 12%#33A track record of sustained organic revenue growth supported by structural growth drivers, sustained investment and defensive characteristics Global Financial Crisis 8% FY07 4% 8% 5% ............. 1% FY13 FY14 FY08 3% FY09 2% FY10 8% 10% FY11 Organic revenue growth FY12 FY15 Figures from ongoing activities 5% FY16 5% FY17 5% 9% FY18 FY19 8% experian. FY20 COVID-19 pandemic 4% FY21 12% FY22#34Bond maturity profile 34 US$m 800 700 600 500 400 300 200 100 FY23 O Experian Public FY24 527 FY25 515 FY26 559 FY27 FY28 500 FY29 750 FY30 FY31 555 FY32 experian. 525 FY33#35Historic leverage trends 35 US$bn 6 LO 4 3 2 1 0 Serasa 70% acquisition 10 FY07 FY08 FY09 FY10 FY11 Net debt to EBITDA target range O Experian Public FY12 US$1.1bn acquisitions 1ml FY15 FY16 FY13 FY14 Net debt to EBITDA FY17 FY18 FY19 FY20 FY21 Net debt Leverage policy target: Net debt in the range of 2.0-2.5x of EBITDA Net debt / EBITDA leverage is calculated on a constant GAAP basis and excludes IFRS16 related operating lease liabilities, Depreciation and Amortisation, and finance charge adjustments. Net debt includes adjustment for the Serasa put option FY08-FY12. Unless otherwise stated all references to EBITDA are to Benchmark EBITDA. Source: Experian's Annual Reports from FY07 to FY21 - publicly available at www.experianplc.com/investors/reports/ and results announcement at www.experianplc.com/investors/results-and-presentations. experian. FY22 Net debt to EBITDA (x) 3.0 2.5 2.0 1.5 1.0 0.5 0.0#36Contacts Experian +44 (0)203 042 4200 www.experianplc.com/investors [email protected] 36 Nadia Ridout-Jamieson Chief Communications Officer Nadia. [email protected] Shareowner Services J.P. Morgan Chase Bank, N.A. PO Box 64504 St Paul, MN55164-0504 United States Evelyne Bull VP Director, Investor Relations [email protected] Experian American Depositary Receipt (ADR) programme ADR shareholder enquiries: T: +1 651 453 2128 (From the US: 1-800-990-1135, toll free) E: Shareowneronline W: www.adr.com O Experian Public Sarah Schibli Investor Relations and Communications Manager [email protected] Experian ADR shares trade on the OTCQX: Symbol EXPGY 30215C101 CUSIP Ratio 1 ADR: 1 ORD United Kingdom October 11, 2006 B19NLV4 GB00B19NLV48 US30215C1018 J.P. Morgan Chase Bank, N.A. Country Effective Date Alex Sanderson Financial Reporting Manager [email protected] Underlying SEDOL Underlying ISIN U.S. ISIN Depositary#37Event calendar 14 July 2022 21 July 2022 16 November 2022 . Q1 trading update, FY23 Annual General Meeting Half year results, FY23 Disclaimer This presentation is being made only to, and is only directed at, persons to whom this presentation may lawfully be communicated ("relevant persons"). Any person who is not a relevant person should not act or rely on this presentation or any of its contents. Information in this presentation relating to the price at which relevant investments have been bought or sold in the past or the yield on such investments cannot be relied upon as a guide to the future performance of such investments. This presentation does not constitute or form part of, and should not be construed as, an offering of securities or otherwise constitute an invitation, inducement or recommendation to any person to underwrite, subscribe for or otherwise acquire securities in any company within the Experian group (the "Group"). Certain statements made in this presentation are forward looking statements. Such statements are based on current expectations and are subject to a number of risks and uncertainties that could cause actual events or results to differ materially from any expected future events or results expressed or implied in these forward-looking statements. Forward-looking statements speak only as of the date of this presentation. This presentation contains certain non-GAAP financial information. The Group's management believes that these measures provide valuable additional information in understanding the performance of the Group or the Group's businesses because they provide measures used by the Group to assess performance. Although these measures are important in the management of the business, they should not be viewed as replacements for, but rather as complementary to, the GAAP measures. Ⓒ Experian, 2022. All rights reserved. The word "EXPERIAN" and the graphical device are trade marks 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 trade marks 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. 37 O Experian Public experian