Experian ESG Presentation Deck

Executive Summary Improving Financial Health Employees Social - Experian Boost case study (USA) Overview Market context Median US household income is c.$70k. c.1/3 people are sub-prime. A subprime credit score could cost a consumer c.$200,000 more in interest over their life ¹. Exceptional 800-850 Very Good 740-799 20% 25% 16% 24 1. 21% Poor 300-579 18% Fair 580-669 Data Good 670-739 Average FICO® score is 701 However, c.1/3 people have Poor or Fair scores (subprime) 2/3 Boost customers come from Poor or Fair What is Boost and how does it work? A free consumer product, first launched March 2019 in USA. Consumers give us permission to connect to their online banking accounts; identify utility, telecoms & TV streaming payments; then add these to their Experian credit file. After the consumer verifies the data and confirms they want it added to their Experian credit file, an updated FICO® Score 8 is delivered in real time. A 'boosted' credit score may help lenders to make more informed decisions when examining prospective borrowers. Consumer benefits Boost helps bring more consumers into the credit system, and may also give access to more financial products and at lower interest rates, e.g. credit cards and car loans. Increased score Mean points increase Increased score band Boost results² Millions of people in the US have used Boost to increase their credit scores, with those with the lowest starting scores receiving the biggest boost. 2/3 see their score increases Supply Chain 88% of 'Poor' score customers increase scores All 'Poor' customers score band 68% 13 8% 8% of customers move up a band 42% of Thin file become Thick file Environment 88% 24 23% 'Thin file' 83% 20 15% 65% of score band increases originated in 'Poor' band ³ 34% previously not scoreable who get a score Governance Benefit to customers % of people with new CreditMatch offers after Boost4 Average new offers per Boosted customer4 Policies & Data tables % of those previously not scorable, who become scorable 2,3 Credit accessed by customers after completing Boost5 Example of customer's screen after having boosted their score experian Consumer Best Lending Product 2020 FINTSCH REAKTIGHOUCH ΑΝΑΖΗ experian. Boost * 650 experian 850 690 300 Fair Appendix Good 670-739 76% 16 TM 34% $8bn Very Good 702 FICO SCORE 8 Sample score Congrats! You got a boost. Exceptional 850 Won "Consumer Lending Innovation Award" in the 2020 FinTech Breakthrough Awards O Experian Public Liz Weston, 'Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future, 5th edition (2015). 2. As at Q4 FY22 3. People who go from not having a credit score to having a credit score (requires 6 months of payment history on an open trade). Differs from thin file people who already have a score, but have less than 5 accounts. 4. As at Q4 FY21 5. As at Q4 FY22, value of credit given to customers, balance used may be less

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