We’re entering a new era for credit 1

Credit Data Trend Data 2 Utilise the full potential of borrower data to unlock contextual data insights, efficiency savings and improved customer experience DATA SOURCES Product Data Forbearance Digital Arrangement Best Day to Repay Real - time data analysis Standard Data Schema Better Outcomes Future Affordability 15+ ACTIONABLE TREATMENTS Transactional Data

Market forces continue to change the shape of financial services To be sustainable , credit providers have to be customer first 3 Cost of Living Crisis Regulatory Pressure Record Defaults Rising Cost to Serve Current Trends Drive

Credit going forward will be radically different to what we’ve experienced previously 1968 – 1998 Sensible Credit 1998 – 2008 Data Driven Credit 2008 - 2022 Credit for Everyone 2023 onwards Customer First Credit Decisions are based on: Relationships Credit Risk Affordability Risk Customer Outcomes 4

Failure to change has forced out not just companies, but entire categories Take Pay Day Lenders.... 5 ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌

1.5m customers and growing every year Consistently recognised for leading customer service – they set the bar, they do not follow They l everage data to maximise customer outcomes Achieve superior business performance metrics when compared to incumbents Profitable since 1995 Those companies fully committed to their customers thrive Take 6

The winners don’t delineate between the front end vs back end... ...they simply commit to serving the best interests of each and every customer. 7

Credit Canary drives the new era for credit OLD WORLD Generic, impersonal customer outcomes NEW WORLD Personalised customer outcomes that align to needs More Trust Historic Data Unstructured Data Highly Manual Processes Generic Next Actions Real Time Data Structured Data Automated Processes Hyper Personalisation Superior Business Performance 8 &

9 Forecasting future affordability...

10 ...drives behavioural change... By combining data, design and behavioural science to empower sound financial decisions, we’ve doubled collection rates for missed payers.

Can finding the optimal payment date for a borrower work to actively increase collection rates? HYPOTHESIS GROUPS OUTCOMES TOP LINE INSIGHTS (Model finds optimal day within month) CHAMPION Borrowers that had missed payment, automatic retry at +5 days CHALLENGER Borrowers that had missed payment were automatically reassigned the best day to repay 11.5 % Collection Rate 25.86 % Collection Rate 0% 0% 18% 25% 35% 0% 0% 0% 10% 20% 30% 40% Monday Tuesday Wednesday Thursday Friday Saturday Sunday Optimal Day of Week 11 CONFIDENTIAL ...driving real impact for banks and lenders!

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