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Investor Presentaiton

Executive Summary Improving Financial Health Data Employees Supply Chain Environment Governance Policies & Data tables Appendix Social - Experian Boost case study (USA) Overview Boost results² Market context Median US household income is c.$70k. Around a third of people are sub-prime. A subprime credit score could cost a consumer c.$200,000 more in interest over their life1. Over 14m people in the US have connected to Boost³. • • • Exceptional 800-850 21% Poor 12% 300-579 All 'Poor' customers score band 'Thin file' Average FICO® score is 715 Increased score 60% 88% 84% 17% Fair 580-669 However, c.30% people have Poor or Fair scores (subprime) Mean points increase 13 24 20 Very Good 28% 22% 740-799 Good 670-739 2/3 Boost customers come from Poor or Fair • Increased score band 8% 22% 15% • June 2022 data 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 rent, car insurance premiums, 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. A customer's screen after boosting their score Good 670-739 702 FICO SCORES Very Good 300 Sample score 850 Congrats! You got a boost. 6/10 see their score increases 88% of 'Poor' score customers increase scores 8% of customers move up a band 42% of Thin file become Thick file 67% of score band increases originated in 'Poor' band 39% previously not scoreable who get a score4 experian. Benefit to customers Melinda: "It helped me get credit when I thought that was no longer an option for me" Mark: "After my score increase using Boost I was able to get my dream credit card with an incredibly low interest rate." Christopher: "I used Boost right before I started applying for a mortgage and I believe it helped me to get my mortgage." Nonnie: "I got approved for a credit card I wasn't approved for last year with lower rates." • Shari: "I've been looking to purchase a new car and since using Boost, my interest rates are lower for car payments." Michael: "I was able to acquire my first credit card." • • • Erica: "It has been helped me buy really good house with my new and improved high score." Cassie: "It was able to successfully raise my credit score enough to secure a loan that was much needed." Raymond: "I went through a divorce and my credit took a hit. I used Experian to see where I was and what I was able to do to raise my credit. Little by little, it did." Ycatz: "I was able to get better rates on a credit card I had been wanting to previously get but couldn't cuz my credit score was just too low. To my surprise it actually worked. I ended up saving 62% of what I would of without it." Greg: "It boosted my score so I could get a car." Recognised in Fast Company's 2022 World Changing Ideas • Recognised in BIG Innovation Awards 2022 Member of Fortune's Change the World list 2021 FORTUNE World Changing Ideas BIG INNOVATION 20 22 CHANGE THE WORLD 2021 30 1. Experian Public Liz Weston, 'Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future, 5th edition (2015). 2. results up to end of Q4 FY23 payment history on an open trade). Differs from thin file people who already have a score, but have less than 5 accounts. 3. As at Q2 FY24 4. People who go from not having a credit score to having a credit score (requires 6 months of
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