Experian ESG Presentation Deck

Executive Summary Improving Financial Health Employees Social - Improving Financial Health - USA financial inclusion. Data 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. 52m¹ US members • 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. Education & Advocacy - we engage with the advocacy community, clients, consumers and employees to enable financial inclusion. We provide education resources, virtual and in-person training, and outreach through social media. Our Education Ambassador Initiative has trained >700 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 #CreditChat live Q&A and interview sessions on Instagram. We had a reach of 109m people with #CreditChat on Twitter in Q1 FY22. We support clients to make their customer outreach programs more effective and provide better support to consumers. ● Supply Chain 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 Boost-consumers can connect to Experian Boost, adding positive data from on-time payments to their credit profiles (e.g. utility, telephone, Netflix). It's helped millions to instantly improve their scores and better access credit. See case study Experian Go - is a new free service in USA. It enables first time access to credit and education in minutes. 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 offer 23 See case study 1. As at Q4 FY22 2. As at FY21 3. OCC Office of the Comptroller of the Currency, REACh = Roundtable for Economic Access and Change Environment Governance Policies & Data tables Appendix experian. B2B Innovation and alternative data The Buy Now, Pay Later Bureau TM - launching in FY23, a first-of-its kind specialty bureau which will provide visibility so lenders can help further financial inclusion and better assess risk while preventing negative impact to consumer credit scores. It will provide a platform for fintechs, BNPL providers and point-of-sale lenders to furnish payment data on all types of BNPL products in a consumer-friendly manner to create a comprehensive view of consumer payments. By gaining a more complete view of consumer's BNPL repayment behaviours, lenders can provide thin-file or subprime consumers who would otherwise be denied credit with first or second chances. Press release, website 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. 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. regulated data sets to score 96% of US adults, including 65% of people previously "credit invisible". Its Lift Premium ™ - proprietary credit risk score combining advanced analytics with additional FCRA 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 ™M - 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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