Investor Presentaiton

Executive Summary Improving Financial Health Data Employees Supply Chain Environment Governance Policies & Data tables Appendix Social - Improving Financial Health - USA experian. How does Experian support financial inclusion in USA? 28 million in the USA have no credit profile, and a further 21m are unscoreable, totalling nearly 50m who find it difficult to access mainstream financial services or must pay a premium to do so. Experian is focussed on improving financial health for all. We're developing innovative solutions using alternative data to help more people access credit, as well as providing education to empower people to improve their financial health. Consumer Education and innovative D2C products Experian.com - Offers millions of people free access to their credit profiles, credit score, expert advice on how to improve their scores, and financial education. 69m¹ US members. Education & Advocacy - we engage with the advocacy community, media clients, consumers and employees to enable financial inclusion, promote positive brand awareness and mitigate business risk. We provide education resources, virtual and in-person training, participate in media interviews, partner with members of Experian's Consumer Council, connect through social media and empower employees to engage with the public. Our Education Ambassador Initiative has trained >1300 employees on credit knowledge so they can volunteer in their communities. We connect directly with consumers on social media, including weekly #CreditChat Twitter conversations, and had a reach of >3.6m people in FY23. We support clients to make their customer outreach programs more effective to educate their employees so that they can provide better customer service and enrich their work experience. Experian Boost - consumers can connect to Experian Boost for free, adding positive data from on-time payments to their credit profiles (e.g. utility, telephone, Netflix, rent). It's helped millions to instantly improve their scores and better access credit since launch in March 2019. See case study Experian Go - enables first time access to credit and education in minutes. Within 5 minutes credit invisible consumers can achieve an authenticated Experian credit bureau record, tradelines and credit history (with data added via Experian Boost), and instant eligibility to financial offers. See case study Experian Smart Money - a Digital Checking Account & Debit Card that embeds Experian Boost. When consumers use the account to pay bills that are eligible for Experian Boost, the payments are added to the consumers' Experian credit file to potentially increase consumers' credit scores. See website 28 1. As at Q3 FY24 2. As at FY21 3. OCC = Office of the Comptroller of the Currency, REACH = Roundtable for Economic Access and Change B2B Innovation and alternative data - RentBureau - Over 25m² people have their rental payments recorded on our RentBureau to help build up their credit history with on-time rental payments. Aiming to include 100m people. Press release Clarity Services - largest nationwide, FCRA-regulated specialty credit bureau for short term small and installment loans not typically reported to traditional bureaus. Clarity data and analytics offer greater predictive insights that ensure greater, more inclusive access to credit for all consumers. Loans reported to Clarity are more common among underserved segments (Black, Latino, low-income, women) than the population as a whole. 60m+ active consumer records, and nearly 1 in 5 people with traditional loans also have inquiries or loans of this type. • • Lift Premium™ - proprietary credit risk score combining advanced analytics with additional FCRA regulated data sets to score 96% of US adults, including 65% of people previously "credit invisible". Its unique combination of data and machine learning provide far greater reach and accuracy than traditional credit scores that rely on insights from mainstream credit data alone (e.g. mortgages, credit cards, personal loans). It combines: Traditional credit data + Trended credit data Data beyond traditional credit data - positive public records data including public licenses (e.g. nurse certification, contractor license etc) Advanced analytics - explainable AI/ML model improving predictiveness across multiple data assets Project REACH - Experian is involved in the OCC's project REACH³, partnering with lenders to identify new sources of predictive data that can be used to improve access to credit for underserved and marginalised consumers. Lenders will factor in information (e.g. deposit data) from applicants' checking or savings accounts at other financial institutions to increase their chances of being approved for credit cards. Inclusion Forward - Experian Empowering Opportunities TM - new initiative that harnesses our data, analytics and technology that can help clients create and provide more affordable credit access. Additionally, Inclusion Forward will provide ongoing resources to help consumers better understand their credit health, particularly in diverse communities.

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