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Investor Presentaiton

Executive Summary Improving Financial Health Data Employees Supply Chain Environment Governance Policies & Data tables Appendix Social - Experian Go case study (USA) Helping credit invisibles What's the problem? There are large underserved populations both in Gen Z and among minorities in older age groups 26m credit invisible consumers 2015 CFPB survey 20m+ US consumers aged 18-23 years old 4m 25% of households unbanked or underbanked 2017 FDIC survey consumers turn 18 each year 30K credit invisible consumers visit Experian each month Our research shows there are at least 28m credit invisibles in the US with an additional 21m consumers who are unscoreable by the credit score models most used by lenders today. This more frequently impacts communities of colour with 28% of all Black and 26% of all Hispanic consumers currently unscoreable or credit invisible. We believe increasing financial inclusion depends on creating opportunities for underrepresented consumers to succeed. This starts with ensuring all consumers have a financial identity. Read more: press release, blog, website 31 Experian Public 1. As at Q4 FY23 Getting a credit profile How does Experian Go help people? Experian Go is a free service in USA. It enables first time access to credit and education in minutes for credit invisibles and thin file consumers. Within 5 minutes credit invisible consumers can achieve: Authenticated Experian credit bureau record Tradelines and credit history (with data added via Experian Boost) Instant eligibility to financial offers Consumers answer a short questionnaire to ensure that their personalised recommended next steps best suit their individual circumstances. Since launch >130k consumers¹ have connected to Experian Go. How do I use Experian Go? 1. Open the Experian app 650 dog lea's celebrate your Seat FCDS Score! Marketplace offer for new cred user from Experten ov These starter cards are your best bet wear heretstones at ne hadd PARTS CARDS 650 ota and tit to let you prov you Capital One Pianum Cred Card 2. Authenticate yourself using a government-issued ID and a selfie 3. Add tradelines using Experian Boost for bills you already pay; Or learn about becoming an authorised user; Or accept a specially created card offer from our partners and start building credit Bexperian. Financial education The start of a great partnership We'll guide you through your new credit journey... • Education about how credit works Help setting and meeting financial goals Personalised recommendations to improve your credit and launch you to financial success Working with partners Experian Go will be also used by partners who work with underserved communities, such as Unidos, Out and Equal, Urban League and Handshake. Working with trusted messengers We're working with a range of different influencers to reach different underserved communities on social media Credit card basics Healthy credit habits change as your credit grows. When you're starting out, keep these tips in mind 1 3 Avoid using your card for everyday purchases to keep your balance managable. Paying your balance in full each month will help you avoid interest. Prioritize paying your bills on time! A missed payment can greatly impact new credit. Our tried and true method for using a credit card responsibly: Set up autopay for your credit card from your bank account/debit card Put a small bill or subscription on your credit card (Netflix, Disney+, etc)* Get a credit score in 6 months! "Some folks cut up their credit card to avoid overspending Recognised at the 2023 BIG Innovation Awards BIG INNOVATION 20 23 Recognised by Fast Company World Changing Ideas list 2023 FAST OMPANY WE MADE THE LIST! WORLD CHANGING IDEAS 2023
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