1. Helping people look after money, and business look after people Andy Collings – Head of Public Sector

2. Dr. Stephen R Covey 7 Habits of Highly Effective People
One of the greatest unnoticed drains on individual’s productivity is the distraction that financial stress puts on people
Dr. Stephen R Covey 7 Habits of Highly Effective People
Private and confidential

3. PRODUCTIVITY PUZZLE
Employers want to get the best out of their employees by ensuring they are engaged and productive. We believe employee’s financial health is key, and needs to be recognised as an important piece of the productivity puzzle.
Private and confidential

4. How does your workforce feel about their finances?
Private and confidential

5. THE DNA OF FINANCIAL WELLBEING – state of the nation
35%
stressed
So now lets deep dive into those key statistics how are these worries affecting an employees overall wellbeing, and in particular their mental health?
Money worries affect peoples stress levels, which leaves them unable to make important financial decisions, people who are depressed spend more, they forget to pay their bills and people take time of work unexpectedly. All of these have an impact for you as an employer and of course the employees overall health.
People with financial difficulties are 4.5 times less likely to recover from a mental health issue and those with mental health condition said it has made their mental health situation worse. (depression example)
Another point to highlight is that financial worries are the number 1 concern for employees from the age of So its important to support employees at each stage in their financial journey.
72% 6%
Missed work
26%
Lost sleep
of employees said their mental health had made their financial situation worse
86%
20%
depressed
Of employees said their financial situation had made their mental health problems worse
Employees’ top concerns
No.1
Finances
1in2
£13,000+
No.2
health
Have borrowed to meet basic needs
Average household debt
No.3
Work/life balance
Private and confidential
Source: The DNA of Financial Wellbeing 2018, Survey of 10,000 employees and 580 employers

6. What’s on the mind’s of UK employees?
Financial Worries
35%
Financial Worries
36%
Financial Worries
36%
Financial Worries
28%
Retirement/ Later Life
35%
Work/Life Balance
44%
Mental Health
24%
Work/Life Balance
26%
Retirement/ Later Life
27%
Physical
34%
Workload
33%
Work/Life Balance
25%
Work/Life Balance
19%
Mental Health
16%
Retirement/ Later Life
20%
Physical Health
26%
Financial Worries
21%
Career
24%
18–24 year olds
25–34 year olds
35–44 year olds
year olds
year olds
EMPLOYER VIEW
Private and confidential
Source: The DNA of Financial Wellbeing 2018, Survey of 10,000 employees and 580 employers

7. Private and confidential

8. Private and confidential

9. Methods of regular borrowing for basic needs

10. Supporting Financial Worries3%
Of employees would turn to either their manager or HR team if they were having financial worries
24% Employers think employees would turn to their manager for support with financial worries & 15% would turn to HR

11. Current HR priorities for the next 12 months

12. How Neyber can help…
Private and confidential

13. Our mission
At Neyber our mission is to help UK employees be better with their money
Private and confidential

14. 3 Building Blocks of Financial wellbeing
A complete financial wellbeing solution at no cost
We empower you to support your workforce to be better with their money by giving them access to:
FINANCIAL EDUCATION
AFFORDABLE BORROWING & DEBT CONSOLIDATION
Debt consolidation
GOOD SAVINGS HABITS

15. Being part of the neyberhood
All employees with an address will have access to financial education resources and tools; salary-deducted loans and debt consolidation products; and savings.
Private and confidential

16. Financial education
Private and confidential

17. Financial wellbeing hub
people not numbers
All employees will have access to the Neyber Hub
Expert Content
Toolbox
Personalised Profile
Jargon-free articles, videos webinars, podcasts, how-to guides, check-lists and infographics.
Budget planner, debt consolidation calculator, savings calculator… to name a few.
Content tailored to individual employee financial goals, preferences and life stage.
Private and confidential

18. Financial EDUCATION RESOURCES
Understanding THE BASICS
Building financial CONFIDENCE
Building financial RESILIENCE
Building financial CAPABILITY
A VARIETY OF CONTENT FOR EVERY STAGE OF THE FINANCIAL LIFE
The challenge - retail employee base / distributed workforce
Retail employees from DNA study
Understanding financial wellbeing
First pay check
Starting your first job
Understanding bank accounts
Top tips on starting your financial journey
How to budget
Understanding the basics of bad debt
Budget planner
Borrowing pitfalls to avoid
Savings pitfalls to avoid
Creating financial peace of mind
Financial freedom
Can’t afford to save
Young and in debt
Understand what makes you happy
Circles of concern & control
Debt calculator
Why it pays to plan for the unexpected
Why you must tackle debt
Know your credit score
Improve your credit score
3 things you shouldn’t put off
Why you must write a will
Should I buy or rent
How much do I need for a comfortable retirement
Turning dreams into goals, then into reality
Taking control of your finances
Should I consolidate my pensions?
The route to financial freedom
5 ways to become a smarter saver
8 alternative apps to suit any type of investor
Making a will to protect your family
Podcasts
Articles
Debt calculator
Webinars s
Budget tool
ELDERLY CARE
HOME IMPROVEMENT
FIRST HOME
FIRST JOB
RENTAL
STUDENT DEBT
MARRIAGE
TREAT MYSELF
RETIREMENT
DEBT MANAGEMENT
CHILDREN
TRAVEL 01 02 03 04 05
Private and confidential

19. Affordable borrowing and debt consolidation
Private and confidential

20. Salary-deducted payments No risk or cost to employer
HOW IT WORKS
Our approach means we can offer flexible borrowing that ensures everyone has access to fairer finance at a term that suits them 01
Salary-deducted payments 02
No risk or cost to employer 03
Putting employees first 04
In-house experts
Private and confidential

21. 4 transparent and inclusive rates
affordable BORROWING
4 transparent and inclusive rates
Employees can borrow between £500 and £25,000 for up to 5 years. All loan and debt consolidation repayments are made direct from an employee’s salary.
Excellent
3.9%
Great
7.9%
Good
12.9% OK
17.9%
REP APR
Private and confidential

22. FIND MY RATE
Employees can see what rate and products they are eligible for – without impacting their credit rating
We are expanding our financial wellbeing offering to provide greater support for your employees’ wellbeing
Financial wellbeing is our founding philosophy and is at the core of everything we are doing, from providing access to affordable loans and helping employees develop savings habit to improve their financial knowledge and confidence in dealing with money via our Financial Wellbeing Hub.
Ultimately, we believe that improving their financial knowledge can empower employees to be better with their money, whilst improving the quality of their lives.
Expanding Financial Wellbeing
We have developed a significant upgrade of our Financial Wellbeing Hub to provide a broader offering that is more integrated with out financial products. It includes:
A broader range of tailored Financial Wellbeing Hub content (articles, video and tools) covering money basics, credit scores and borrowing, budgeting and savings and life events; with our own bespoke content, as well as from a range of contributors
Provision of onsite employee wellbeing services delivered to employees ranging from 1- to-1’s, seminars and workshops
Expanded financial wellbeing tools that enable employees to measure, compare and manage their financial wellbeing (including credit scores)
Personal money dashboard providing a single view of employees’ finances with insights to help them better manage their finances.
Complete transparency throughout the journey
Insight into what is driving their credit rating
Tips and guidance on how to improve their credit rating
Private and confidential 22

23. Why are employees borrowing?
Employees are looking for affordable ways to manage their debt and pay for life’s big purchases:
Private and confidential

24. DEBT CONSOLIDATION for your employees
average household debt* in the Public Sector industry £8,941
Loan amounts to cover 100% of debt (up to £25,000)
Loan terms to keep repayments affordable (up to 5 years)
7.9% Representative APR
Average UK household debt is almost £13,200**
Average monthly debt repayment £322
Repayment if consolidated with Neyber £221
Disposable income increase 5%
£9,000
Average Neyber loan size
4½yrs
Average Neyber loan term
Monthly savings £101
Private and confidential
*DNA of Financial Wellbeing, **TUC, 2017 UK

25. AN INCLUSIVE FINANCIAL WELLBEING PROPOSITION
Neyber offer ongoing support to help employees on their financial journey, regardless of credit rating and loan application outcome.
Private and confidential

26. Good savings habits
Private and confidential

27. Save & Invest
Neyber has teamed up with Smarterly to help your employees plan and save for their future through a range of Individual Savings Accounts (ISAs). Our savings proposition is designed to help to remove many of the barriers employees face, making it as easy as possible to take control of their savings and investments.
Flexible
EFFORTLESS
Make regular savings contributions directly from salary
simple
User-friendly, jargon-free website to track and manage savings
INFORMED
Educational resources & tools to help employees make informed decisions
Easy access accounts and lump-sum contributions or
transfers from
existing ISAs
Private and confidential

28. Saving with purpose STOCKS & SHARES ISA JUNIOR ISA LIFETIME ISA*
The challenge - retail employee base / distributed workforce
Retail employees from DNA study
STOCKS & SHARES ISA
Higher expected returns than cash savings to combat inflation
Easily invest in the stock market with no investing experience
Ideal for longer term saving goals over five years or more
Save for your children’s future
Parents, friends and family can all contribute
Can’t withdraw it until they turn 18
Annual limit is £4,260 (not included in the £20,000 annual allowance)
Can save into a Junior Cash ISA, or Junior Stocks and Shares ISA
JUNIOR ISA
Save for your first house or access for your retirement
Save up to £4,000 per year
Government pays 25% bonus on annual contributions
Earn interest on contributions plus the government bonus
Available to employees aged 18-40
LIFETIME ISA*
Standard instant access savings account
Ideal for short term goals and emergency funds
Linked to interest rates - currently around 1%
Secured by the bank
CASH ISA*
WHY CHOOSE ISAs
Capital Gains Tax Exempt
Easy Access – Without Penalty
£20,000 Annual Allowance
Inclusive - Minimum £10 Monthly Contribution
Private and confidential
* Lifetime ISA available October 2018 and Cash ISA available January 2019

29. Measuring ROI

30. How to measure the success of a financial strategy
“Since we implemented our financial wellbeing with Neyber, our employee engagement scores have increased by 4%. Applications for hardship loans decreased.”
“Absenteeism is down 10% over the Christmas period due to putting a financial wellbeing strategy in place”
“EAP stress related calls are down 12% since implementing financial wellbeing”
“The benefits evolution we are most proud of”
Simon Naylor,
Head of Group Benefits
Sally Purbrick,
Head of Reward
Nick Weinel,
Reward and Recognition Manager
Ian Dockerill,
Employee Share Plans and Benefits Manager
Winner 2018
Best Evolution of Company Benefits
Winner 2018
Best Healthcare and Wellbeing Strategy of the Year
Winner 2017
Best Financial Wellbeing Strategy
Winner 2018
Mental Health Initiative of the Year

31. £130m+ 280+ £18m+* 25+ 9.4 £9,100 1 million+ ABOUT US
Lent to employees
Clients
Saved in interest
By members
Employee benefit partners
Neyber is a free employee benefit taking care of the financial wellbeing of UK employees . Neyber enables employers to support their workforce’s financial wellbeing through access to financial guidance, affordable loans and attractive savings.
Our Financial Wellbeing Team is made up of in-house experts that facilitate your employees ’ online and offline financial needs.
The idea is to build a community of employees who can confidently deal with money and have access to fairer finance when they need it.
Intro on Neyber - our mission - what we have achieved.
We are a partnership business - worked with PMAS?? Looking I build a partnership with Coop.
£130m+
280+
£18m+*
25+
Average loan size
addressable employee base
Trustpilot rating
9.4
£9,100
1 million+
Private and confidential
*Average term of debt is 4 years. Calculation based on implied APR of 30%.

32. industry thought leaders
StepChange Debt Charity
Neyber co-founder Monica Kalia has joined the Board of Trustees at independent leading UK debt charity, StepChange. It is chaired by the former Chief Executive of the Financial Conduct Authority, Sir Hector Sants.
The Board aim to provide solutions as the need for free debt advice grows and strive towards a society free from problem debt.
Inclusive Economy Partnership
Neyber has been chosen as a grant winner and active Delivery Group partner in the Inclusive Economy Partnership (IEP) programme on Financial Inclusion.
The IEP brings together innovators, businesses and civil society to develop solutions in three challenge areas - financial inclusion and capability, mental health, and transition to work for young people and is a pioneering initiative to build a more inclusive economy.
Working with the government on financial inclusion
The House of Lords Select Committee on Financial Exclusion published a report highlighting how employers have a key role in countering financial exclusion amongst the UK’s 30 million strong workforce. Neyber research provided key evidence for statements within the report.
Private and confidential

33. Questions
Private and confidential

34. Thank you . Andy Collings andrew.collings@neyber.co.uk
Top 50 “Emerging stars” 2017
WINNER of “Benefits Innovation of the Year” 2017
SHORTLISTED for “Innovation in Consumer Finance” & “Ethical Financial Services of the Year” 2017
Provider to WINNER of "Best Financial Wellbeing Strategy"
FINALIST for “Newcomer”
WINNER of “Benefits Innovation of the Year” 2016
SHORTLISTED for “Best Product for Making Pay Go Further”
RUNNER UP for “People’s choice award” 2016
SHORTLISTED for “Most Innovative Product of the Year” & “FinTech Startup of the Year”
Copyright 2018 Neyber - All Rights reserved
Neyber Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register number 718709; Registered address: First Floor East, Tabernacle Court, Tabernacle St, London EC2A 4DD; Company registered number: ; Data Protection Registration Number: ZA39009
Neyber intends to offer customers a range of investment options for regular, salary deducted contributions to their investments portfolio with access to a range of higher return investment/lending products including tax efficient ISAs. Such products will not be eligible for the Financial Services Compensation Scheme.
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