Stream Modern Slavery Statement

This statement is made under section 54(1) of the Modern Slavery Act 2015 (the “Act”). It covers the financial year ended 31 December 2025 for Stream Group Holdings Ltd and its subsidiaries ("Stream" or “the Group”), including Stream Platforms Ltd, Stream Financial Services Ltd and Stream Asset Management Ltd. Stream has zero tolerance for slavery, servitude, forced labour and human trafficking.

1) Structure, business and supply chains

Stream is a financial wellbeing platform designed for the everyday worker. Employees (members) access Stream through their Employers (Clients) who offer Stream as an employee benefit. Stream is a certified B Corp, and our social charter is written in our articles of association. The Group is headquartered in London and has subsidiaries in the USA, Canada, Spain and Ireland. In 2025, our Group revenue was £66.8m and we had 220 employees.

As a technology business, we buy services rather than physical goods. Our main suppliers provide cloud and software services, payments and banking, professional services, IT hardware and office facilities. Most of them are based in the UK, EU and USA.

2) Policies

Our Group Anti-Slavery and Human Trafficking Policy sets our zero-tolerance position. It is supported by our Code of Conduct, our Supplier Management and Outsourcing Standard (which includes our Supplier Code of Conduct), and our Whistleblowing, Anti-Bribery and Corruption, ESG, and Diversity, Equity and Inclusion policies. We pay at least the local minimum wage, and the London Living Wage to staff in London. We are a Living Wage Foundation Ambassador.

3) Due diligence

• Our people. Every employee and contractor goes through right-to-work and background checks when they join Stream.
• Our suppliers. Each new supplier is logged, risk-rated and screened for financial stability, close links and anti-money laundering. Our legal team reviews every contract, and a named owner reviews each critical or important supplier regularly.
• Raising concerns. Anyone can raise a concern confidentially, and anonymously if they prefer, through our whistleblowing channels.
  

4) Risk assessment

The risk of modern slavery in our own operations is low because our workforce is directly employed, salaried and highly skilled. The higher risks sit in outsourced office facilities, IT hardware manufacturing, and printed and branded goods. Risk owners assess these risks, and our risk committees oversee them.

5) Effectiveness

In FY2025 we received no reports of modern slavery in our business or supply chains nor did we identify any instances of these. We judge how well our approach is working through the concerns raised in our whistleblowing channels, the completion of right-to-work and background checks, and the risk screening of new suppliers. Our risk committees review these regularly.

6) Training

All employees and contractors read and acknowledge the Anti-Slavery Policy within 30 days of joining and every year after that. They also confirm they accept our Code of Conduct, and complete whistleblowing and anti-bribery training, when they join and every year.

Approval

This statement was approved by the Board of Stream Group Holdings Ltd on 07 October 2026.