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Credible Labs Inc. IPO and Business Update

Pre Quotation Disclosure

Risk Management Policy

CHESS Depositary Interest Issuance (US to AU)

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Prospectus

Remuneration and Nomination Committee Charter

Board Charter

Code of Conduct

Corporate Governance

Audit and Risk Management Committee Charter

Insider Trading Policy

Shareholder Communication Policy

Continuous Disclosure Policy

Diversity Policy

Conversion form US to AU CDI (shareholder)

Jai has a Bachelor of Science and Master of Engineering in Computer Science from Cornell University.

Board of Directors

Prior roles include Chief Marketing Officer of Esurance – where Alan drove significant growth while building marketing capabilities, efficiency and a stronger brand – and SVP of Digital Marketing for Wells Fargo where he led the digital transformation of marketing. Earlier roles included marketing and E-Business at Blue Shield of California and at Kraft and ConAgra.

Prior to Credible, Colin spent five years at Yahoo building personalised experiences for hundreds of millions of users, including time leading key product initiatives on the Yahoo Homepage. Previous to this, Colin was a management consultant at Bain & Company, where he focused on strategic growth initiatives for clients in financial services and other industries in Toronto, New York, London, and the United Arab Emirates.

Ron Suber

Independent Non-Executive Chairman

Board + Key Management

Ron is a prominent leader in the U.S. Fintech industry having held multiple leadership positions in the Fintech and corporate financial services sectors. He has more than 20 years of experience in sales, marketing, and business development across the hedge fund, broker-dealer and registered investment advisor industries.

Ron is currently President Emeritus and Senior Advisor to Prosper, Chairman and member of the Board of Directors of Credible, Advisory board member to Docusign, Juvo, Unison, Money360 and eOriginal.

Jaideep Vijan

Previously, Ron was a Director at Prosper Funding LLC, President at Prosper Marketplace, Managing Director at Wells Fargo Securities, Head of Global Sales and Marketing, Senior Partner and Director of Merlin Securities, Senior Managing Director and Manager of Global Clearing Sales at Bear Sterns and President of Spectrum Global Fund Administration.

Dave Lewis has nearly 10 years experience working in Financial Services, Technology and now the intersection of the two as Credible’s Vice President, Partnerships & Operations. Prior to joining Credible, Dave served as a Manager in Deloitte Consulting’s Innovation practice. In this role, he oversaw the development and marketing of web and mobile products for Deloitte’s clients across multiple sectors.

Ron holds a B.A. in Economics from the University of California at Berkeley.

Jessica Rossman is General Counsel, and Head of Legal & Compliance at Credible.

Prior to Credible, Grant was an Investment Banking Vice President at Moelis & Company and an Executive at KPMG Corporate Finance.

Chief Marketing Officer

Stephen Dash

Vice President, and Head of Product & Design

Chief Executive Officer and Executive Director

Stephen is the Founder and Chief Executive Officer of Credible.

Jai joined Credible in February 2017 in the role of Vice President, Engineering. Jai has over 20 years of experience in the technology industry, with over half that time spent holding leadership roles in e-commerce related software organisations.

Stephen has led Credible’s strategy and execution since inception, raising more than $23 million in capital, launching the Student Loan Refinancing, Private Student Loan Origination, Personal Loans and Credit Cards Marketplaces, and growing the Credible team to more than 100 people.

Dave Lewis

Prior to founding Credible, Stephen was an Investment Banker at J.P. Morgan, an Investment Director at M.H. Carnegie & Co, and a Co-founder of Quickcharge Media.

Dave holds an MBA from the University of California Berkeley’s Haas School of Business and a Bachelor of Science in Business Administration from the University of North Carolina at Chapel Hill.

Jessica Rossman

Jessica has extensive legal experience working as both outside counsel and in-house counsel for Fortune 500 Companies such eBay, PayPal, Walmart and State Farm. Jessica holds a Juris Doctor degree from Santa Clara University School of Law and a Bachelor of Arts in Psychology (cum laude) from San Jose State University.

Dean Dorrell

Director, Finance & Corporate Development

Non-Executive Director

Grant holds a Master of Commerce and a dual Bachelor of Business and Economics from the University of Queensland.

Dean has a B.A. (Hons.) in Economics and had a successful initial career as a bond trader, arbitrageur and proprietary trader. He formulated some of the earliest proprietary models, quant trading systems and statistical arbitrage methods in the 1990’s that led to him becoming Head of Bond Trading at Paribas in London and later joining Greenwich Capital and Greenwich Natwest.

Alan Gellman

Dean made his first angel investment in 1998 and during the mid-2000’s transitioned into a VC/private equity/operating executive role with Redbus Group in London which had successful exits such as RFD to Lionsgate and Lovefilm (which was the merged entity that the Redbus founded Video Island became part of) to Amazon and was named winner of the Richard Branson sponsored Sunday Times Virgin Atlantic Fast Track 100.

Alan has over 25 years of experience leading marketing and ecommerce across several industries including financial services, health care and consumer packaged goods. Alan is
Chief Marketing Officer of Credible and is a Future of Money Fellow at the Center for the Digital Future at USC Annenberg.

Dean moved to Australia in 2010 and became the Managing Director and an Investment Committee Member of M.H. Carnegie & Co. in 2011, primarily leading the deal team in early stage venture investments and private equity deals (largely focused on distressed real assets such as marinas and pubs).

Alan holds an MBA from the University of Rochester Simon School and a BA from the University of Pennsylvania.

Dean co-founded Carthona Capital in 2014 which has become one of Australia’s leading early stage venture capital companies with over $200m of FUM.

Colin Bowman

Ray Yang

Colin joined Credible in 2014, and drives its product vision and execution. Colin has a wealth of experience crafting online user experiences and optimising product conversion.

Non-Executive Director

Colin holds an MBA from the Stanford Graduate School of Business and a Bachelor of Commerce (Hons) from Queen’s University at Kingston.

Ray is a Partner at Marathon Venture Partners (“MVP”), a China-based early to growth stage fund focusing on healthcare and Fintech. Prior to MVP. Ray was a Managing Director at Northern Light Venture Capital, where he led the firm’s investments both in healthcare and Fintech. He started his venture capital career with Orchid Asia Group Management in 2004, where he helped establish the firm’s China operations and served as an Investment Director.

Prior to his venture capital career, Ray worked for ten years in various Chinese government and multinational corporations. He worked at the China’s Ministry of Commerce for four years, where he oversaw operations of the Economic & Commercial offices of China across the world. He then served as a Vice Commercial Consul for the Chinese Consulate General in Houston, Texas promoting trade and investment between China and the southern region of the United States. He also worked as a Commodities Trader for Louis Dreyfus Corporation, participating in the trading and analysis of the agricultural commodities.

Vice President, and Head of Engineering

Ray serves as a Director for Harvard Business School Alumni Board and was the President for Harvard Business School Alumni Club of Beijing (2009-2011). He is also a Guest Professor at Shanghai University of Business and Economics (2016-2019). He is a Fellow of Aspen Institute China Fellowship Program and a member of Aspen Global Leadership Network.

Jai ran the technology organisation at Hotwire.com, a top 10 travel website in the U.S., for over 6 years. During that time, Jai oversaw the growth of the team from 80 to 150 people, started and scaled a successful offshore team up to 50 people, drove the adoption of modern Agile software development practices for the engineering team, and built a long track record of on-time and high-quality releases for Hotwire’s secure e-commerce technology platform.

Ray holds a Bachelor of Economics degree from Shanghai Institute of Foreign Trade and an MBA from Harvard Business School.

Proposed Director

Vice President, and Head of Partnerships & Operations

Dave also worked previously in Deloitte Consulting’s Financial Services practice based out of New York. Over several years, he advised Fortune 500 Banking and Insurance clients on issues spanning technology implementations, go-to-market strategies, post-merger integrations and global process redesigns. Dave also worked briefly in Strategy for Cisco Systems.

Annabelle Chaplain

Other Senior Management

Independent Non-Executive Director

Annabelle is a former Investment Banker with extensive experience as a company director across a range of industry sectors.

General Counsel, and Head of Legal & Compliance

Annabelle is a non-executive director of ASX-listed Downer EDI Ltd and Seven Group Holdings Ltd and serves as chair of both groups’ Audit and Risk Committees. Annabelle is Chairperson of Queensland Airports Limited and Canstar Pty Ltd, a privately-owned online financial comparison and expert ratings company. Annabelle recently joined the board of The Australian Ballet. Annabelle’s former board roles include being a board member of EFIC, Australia’s export credit agency and the Federal Government’s Board of Taxation. Annabelle is a Queensland Division Councillor of the Australian Institute of Company Directors.

Jessica brings her strong legal and regulatory background to Credible helping navigate the Fintech regulatory environment and ensuring a culture of compliance throughout the company. In this role, Jessica oversees all legal matters of the company including counseling the company on legal and compliance matters related to new product development, corporate, employment, litigation, and intellectual property.

A Fellow of the Australian Institute of Company Directors, Annabelle holds a Bachelor of Arts degree majoring in Economics and Mandarin from Griffith University in addition to a Masters of Business Administration (MBA) from the University of Melbourne. Annabelle holds an honorary doctorate from Griffith University for her service to banking and finance, and to the Gold Coast community.

Grant Wong

Executive Team

Grant joined Credible in January 2017 and is Director of Finance and Corporate Development.

Grant has nearly 10 years of experience advising both publicly-listed and unlisted companies on mergers and acquisitions, initial public offerings, secondary capital raisings and restructuring transactions across technology, real estate and infrastructure.