RELX Investor Day Presentation Deck

Delivering increased financial inclusion at similar risk profile Our products score over 90% of applicants without traditional credit scores 12% increase in approval rates with minimal default rate impact Scorable rates by income¹ Approval rates by race/ethnicity² Low Middle Upper Black 70% Scorable rates by race/ethnicity² Hispanic 73% 66% 81% White Scorable through credit history only LNRS scorable 96% 97% 87% 90% 97% 96% 88% 96% Total Black Hispanic White 18% 24% 27% 33% 49% 55% 58% 64% Approval rates with credit history only LNRS-enhanced approval rate Our solutions empower millions of financially disenfranchised consumers by going beyond traditional credit data By using alternative data, we are able to find significant portions of near-prime and prime applications This allows lenders to craft offers that maximise acceptable rates while reducing risk exposure Our solutions are FCRA compliant³, and support a robust FCRA consumer disclosure and reinvestigation process Source: (1) LNRS internal research SDI Report (March 2021) (2) LNRS White paper: Statistical analysis of RiskView and race (3) Fair Credit Reporting Act (FCRA) is a federal law designed to protect consumers against credit report inaccuracies and applies to background reports, regardless of whether the report includes credit information & RELX 29

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