#118 NOVEMBER 2020 Investor presentation Results for the six months ended 30 September 2020 (H1 FY21) Plenti#2Contents 2. 3. 1. Results highlights Plenti business recap H1 FY21 results A. Business update B. Financial results 4. Trading and outlook 5. Appendices Plenti 2#3Results highlights Plenti#4#1 RESULTS HIGHLIGHTS Results highlights Delivering ahead of plan Originations $167.0m +33% on pcp +6% above prospectus Loan portfolio $435m +42% on pcp +$9m above prospectus Revenue $26.0m +41% on pcp +2% above prospectus Pro forma NLAT $(3.4)m >50% improvement on pcp Industry-leading credit performance 90+ day arrears down to 0.42% Increased funding Significant expansion of warehouse facility¹ Plenti Note: 1) Automotive warehouse limit increased from $50m to $150m in H1 and to $275m in Nov-20 (subject to legal documentation)#5Plenti business recap Plenti#6#2 BUSINESS RECAP Plenti Building Australia's leading consumer lender by helping customers achieve more with their money •-00-00- Our strengths Proprietary, end-to-end technology provides a sustainable competitive advantage and supports growth and efficiency Diversified lending products and distribution provides flexibility and a broader opportunity set ◆ Diversified funding platforms provides resilience and scalable funding capacity Proven credit track record and capabilities Our ambitions Empower customers to make the most of their money Build significant scale and market share in target lending verticals Deliver sustained, profitable growth and shareholder value Plenti#7#2 BUSINESS RECAP A high-growth fintech pioneer Track record of strong, consistent growth Cumulative lending ($m) $1bn Lending milestone surpassed 17-Nov-20 257 168 106 63 32 2 12 375 487 612 774 Loan portfolio ($m) 941 61% 3-year CAGR 148 104 72 47 26 10 2 253 206 306 381 435 H2 H1 H2 H1 H2 H1 H2 H1 H2 H1 H2 H1 FY15 FY16 FY16 FY17 FY17 FY18 FY18 FY19 FY19 FY20 FY20 FY21 Plenti H2 H1 H2 H1 H2 H1 H2 H1 H2 H1 H2 H1 FY15 FY16 FY16 FY17 FY17 FY18 FY18 FY19 FY19 FY20 FY20 FY21 7#8#2 BUSINESS RECAP An award-winning business Consistently recognised for providing outstanding products and service OUTSTANDI OUTSTAND OUTSTAND OUTS AND OUTSTAND OUTSTANDING VALUE CA CA CA CA CA CANSTAR PERSON PERSON PERSON PERSON PERSON PERSONAL LOAN Outstanding value personal loan (2015 - 2020) OUTSTAND OUTSTAND CA CA CANSTAR OUTSTANDING VALUE CARL CAR CAR LOAN Outstanding value car loan (new and used, 2019-2020) m EXPI mo mozo EXPE EXPERTS CHO CHO CHOICE AWA AWAR AWARDS 20 2019 Expert's choice personal loan (2017-2019) ** RateCity Gold Award 2020 Gold award- personal loans (2020) MANAGED SELF SMSF AWARDS 2017 SUPER FUND AWARDS 2017 PRODUCT REVIEW .COM.AU 2019 AWARDS WINNER Winner - personal loans (2018-2019) FINTECH AW FINTECH AUS FINTECH FINTECH AL AW FINTEC AWARDS INTECH AUSTRALIA FIN FIN FINN IES IES IES 18 WINN WINN WINNER FinTech Leader of the Year, Fintech CTO/CIO of the Year & Excellence in Consumer Lending FINTECH BUSNESS AWARDS 2017 WINNER FINTECH BUSINESS EXCELLENCE AWARD (INDIVIDUAL) Fintech Business Excellence Awards 50 FINTECH BUSINESS AWARDS 2019 WINNER INVESTMENT INNOVATOR OF THE YEAR Investment Innovator of the Year Technology Fast 50 2019 AUSTRALIA TOP 50 Deloitte Australian Tech Fast 50 Awards #17th WINNER 2017 Best P2P Personal Loan finder awards Best P2P Personal Loan 500 Technology Fast 500 2019 APAC WINNER Asia Pacific Tech Fast 500 Awards #195 Innovation Award, CoreData SMSF Service Provider Award AUSTRALIAN GROWTH COMPANY AWARDS 2020 WINNER Financial Services Growth Company of the Year Plenti 00#9#2 BUSINESS RECAP Lending to prime borrowers Prime loan portfolio drives industry-leading loss rates Average credit score on loan portfolio Net charge-off rate² 850 4.0% 3.5% 800 3.0% 2.5% 750 2.0% 700 1.5% Indicative Big Four and prime Fintech lenders¹ 1.0% 650 0.5% 600 Sep-18 Dec-18 Plenti Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 H1 H2 H1 FY18 FY18 FY19 H2 H1 H2 FY19 FY20 FY20 H1 FY21 Notes: 1) Median credit score for fixed term personal loans, Equifax Consumer Update - November 2020. 2) Net charge-off rate calculated as actual loan receivables written off in the period net of loss recoveries divided by average loan portfolio value 9#10#2 BUSINESS RECAP Disrupting large markets Building scale across substantial lending verticals undergoing significant change Automotive A $33bn+ Annual lending¹ Market undergoing structural, regulatory and technological change Banks/traditional lenders exiting as they struggle to deliver required technology and compliance Car purchase and finance journey moving online Plenti • • • Renewable energy >280k Households installing solar annually2 Personal Multi $bn Government programs supporting uptake $12bn+ Annual lending³ Strong growth in household solar uptake Increasing battery adoption, increasing finance opportunity State subsidy programs an important driver of future market growth • Bank market share declining Consumers increasingly moving to alternative providers, seeking value and convenience Notes: 1) Includes consumer and commercial lending segments. ABS 5601.0 Table 7 LTM to Jun-20, and ABS 5671.0 Table 9 LTM to Nov-18; ABS discontinued ABS 5671.0 in Nov-18. 2) Clean Energy Council, Clean Energy Australia Report 2020. 3) ABS 5601.0 Table 27 LTM to Jun-20 10#11H1 FY21 results Plenti#12#3 - BUSINESS UPDATE Automotive lending ✪ growth Exceptional growth reflects Plenti's leading product offering H1 highlights Loan originations ($m) 323% on pcp 81.1 • Delivered four record months of loan originations • Achieved significant penetration of specialist car finance broker market • Built platform for growth in direct and non-specialist broker market Continued investment in operational capabilities to deliver best-in- market features, speed and service 19.2 Plenti offering Secured loans to consumer borrowers for new and used vehicle purchases, and for refinancing Plenti Market-leading application and settlement experiences 38.4 H1 FY20 H2 FY20 H1 FY21 Loan amounts up to $100k, with an average loan size of ~$31k 12#13#3 BUSINESS UPDATE Renewable energy lending growth Strong growth, despite impacts of Victorian lockdown H1 highlights Loan originations ($m) 47% on pcp 28.5 23.6 19.4 • Strong demand during COVID-19 driven in part by broader home improvement consumer trend • Onboarded 85 new referral partners, a 15% increase • Minor impact to August and September originations due to delayed installations and loan settlements in Victoria (expected to normalise post easing of lockdown restrictions) H1 FY20 H2 FY20 H1 FY21 Plenti offering ☑Transparent, regulated loans, for purchase of clean energy technologies Exclusive administrator of South Australia Home Battery Scheme (HBS) Exclusive delivery partner of NSW Empowering Homes Program (EHP) pilot Loans typically for solar panels and home batteries, with an average loan of ~$9k Plenti 13#14#3 BUSINESS UPDATE Personal lending ▲ growth Rapid recovery from deliberate, responsible pull-back during peak COVID-19 period H1 highlights • • Phased market re-entry after deliberate pull-back (driven by tightening of credit and reduced marketing spend) during peak COVID-19 period Gained market share in broker channel, winning on service and application experience Strong recovery in Q2, observing significant lift in average borrower credit characteristics 37.2 Loan originations ($m) 49.4 COVID-19 pullback 20.5 Phased re- entry +81% on Q1 37.0 ili Plenti offering Fast, flexible personal loans for a diverse range of worthwhile loan purposes Plenti Outstanding digital application and settlement experiences Distribution through digital, broker and corporate referral channels Q1 FY20 Q2 FY20 Q1 FY21 Q2 FY21 Granular risk-based pricing, rewarding Average loan size of ~$17k good borrowers 14#15#3 BUSINESS UPDATE Excellent credit performance Maintaining industry-leading performance across key metrics 90+ day arrears 1.0% 0.8% 0.6% 0.4% 0.2% 0.0% Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 FY18 FY19 FY19 FY19 FY19 FY20 FY20 FY20 FY20 FY21 FY21 Q2 Loan deferrals¹ • • • Low 90+ day arrears, tracking in line with historic range COVID-19 loan deferrals amongst lowest in industry - both at peak and at half-year end 88% of borrowers that entered a COVID- 19 loan deferral arrangement before Jun-20 had returned to contractual payments or paid off their loan at Sept- 20 10.0% 8.0% Industry experience - indicative peak deferrals range² • Loan deferrals represented 0.78% of loan portfolio at Sept-20 6.0% 4.0% 2.0% 0.0% Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Plenti Notes: 1) Total value of loans in deferral as a % of total loan portfolio. 2) Based on industry experience of ~5-10% on automotive loans (Fitch Auto ABS index - Australia: The Dinkum ABS Index 1Q20), ~6-8% on personal loans (feedback from participation in industry forums and Wisr loan deferrals announced to market) and ~10% on mortgages (Australian Banking Association COVID-19 Banking Statistics, APRA Monthly Authorised Deposit-taking Institution Statistics) 15#16#3 BUSINESS UPDATE Funding platforms Deepening funding capacity and lowering cost of funds Warehouse funding Plenti Lending Platform 鱼图 Plenti Wholesale Lending Platform • • Automotive warehouse – $189m head room as at Sept-201 - Upsized to $275m in Nov-20, subject to legal documentation New personal loan and renewable energy finance warehouse Funder due diligence well advanced Expect to reduce cost of funds by ~200-300bps on new originations A BEB Deep, competitively priced funding ~2,200 new investor registrations over H1 FY21, representing ~10% growth Funding cost on new originations of 5.9% for H1 FY21, down 0.4% from H1 FY20 App launch driving greater investor engagement and activity 108 Diverse, scalable, capital-light funding $58m of loans outstanding as at Sept-20 Platform currently exclusively used for funding NSW Empowering Homes Program pilot BA Flexible, specialist funding Plenti Note: 1) Head room based on increased facility size of $275m, which was upsized post period, subject to legal documentation 16#17#3 BUSINESS UPDATE Technology deployed Extending our competitive advantage The Plenti app - example of H1 development App overview Investor focused app launched in Oct 2020, facilitating full investor services >3,900 downloads to date Increased investor engagement - sessions up >50%, with average session time up >40% Strong feedback with average 4.5/5 rating from initial users App plans • • To be expanded to offer full Plenti product suite Accelerate product cross-sell Simplify customer experience Increase operational efficiency MENU All time Plenti L MARKETS 12 months 30 days Interest earned $15,082.35 Since 22/1/2015 Upcoming monthly payments MONTH OCTOBER 2020 NOVEMBER 2020 DECEMBER 2020 CAPITAL INTEREST $710.87 $263.08 $700.77 $259.34 $690.80 $255.66 Capital and interest payments are indicative only, based on contracted borrower loan payments and assume no early repayments or defaults Amounts are not a promise of return and are subject to change. Invest now Returns Portfolio Funds Plenti Plenti IN HOLDING ACCOUNT $1,500.00 1 INVEST YOUR FUNDS Create a lending order Market rate Custom rate Enter amount Between $10.00 and $1,500.00 $1,500 5 Year Income 6.3% pa. + There are $189,537.32 of lending orders ahead of you in the queue. Lower the rate of your lending order to be matched more rapidly Next step 17#18#3 - FINANCIAL RESULTS H1 FY21 result Strong revenue growth and low credit losses see improving profitability - ahead of prospectus forecast on all key lines $m H1 FY20 H1 FY21 % change vs Prospectus Loan originations 125.2 167.0 33% Loan portfolio (period end) 306.0 435.1 42% Loan portfolio (average) 274.9 393.5 43% 1 Net charge-off rate 2.7% 1.1% (59)% Revenue 18.4 26.0 41% NLAT (pro forma) (7.9) (3.4) (57)% Cash NLAT (pro forma)² (6.9) (1.5) (79)% Plenti Notes: 1) Net charge-off rate calculated as actual loan receivables written off in the period net of loss recoveries divided by average loan portfolio value. 2) Cash NLAT defined as NLAT + change in provisions for expected credit losses + share-based payments + depreciation & amortisation. Refer to page 32 for a reconciliation between NLAT and cash NLAT. 18#19#3 - FINANCIAL RESULTS Profit & loss ($m, 6 months to September, pro forma¹) H1 FY20 H1 FY21 % change Interest revenue 18.3 23.9 31% Other income 0.1 2.1 > 100% Total revenue pre transaction costs 18.4 26.0 41% Transaction costs (0.8) (1.0) 30% Net income 17.7 25.0 42% Funding costs (9.6) (12.3) 28% Expense passed to unitholders 0.1 (0.1) n.m. Customer loan impairment expense (4.4) (3.0) (32)% Sales and marketing expense (4.6) (4.0) (14)% Product development expense (2.3) (2.5) 10% General and administration expense (4.5) (6.1) 37% Depreciation & amortisation (0.3) (0.4) 21% NLAT (7.9) (3.4) (57)% Cash NLAT² (6.9) (1.5) (79)% Key metrics Average interest rate 13.3% 12.1% (9)% Average funding rate 7.1% 6.3% (12)% 3 Net charge-off rate Cost to income ratio 2.7% 1.1% (59)% 4 61.6% 48.5% 21% Note: 1) Refer to page 31 for a reconciliation of pro forma to statutory results. 2) Refer to page 32 for a reconciliation between NLAT and cash NLAT. 3) Net charge-off rate calculated as actual loan Plenti receivables written off in the period net of loss recoveries divided by average loan portfolio value. 4) Sales and marketing expense, product development expense and general and administration expense as a % of total revenue • 31% revenue growth driven by loan origination and portfolio growth Other income primarily relates to $1.5m R&D rebate (in FY20 rebate received in H2) Transaction costs primarily relate to broker commissions - growing with automotive origination growth 32% reduction in loan impairment expense despite additional risk overlay in ECL provision (overlay up $2.5m versus 31 March) Sales and marketing expense down on COVID spend pull-back G&A up on investment in team and loan processing costs Reduction in average interest rate earned and average funding rate reflects book mix - particularly increased proportion of automotive loans At product level, automotive and personal margins up, renewable flat 19#20#3 - FINANCIAL RESULTS Cash flow ($m) Operating cash flow H1 FY20 H1 FY21 24.2 Reported positive net operating cash flow in H1 FY21 supported by growing revenues Period also benefitted from a number of other factors - R&D grant receipt (in FY20 received in H2) Job Keeper and COVID staff salary reduction (~$2m) Reduced marketing spend in Q1 FY21 as business responded to COVID (~$1m reduction on 1H FY20) Interest income received 17.9 Other income received 0.1 2.1 Interest and other finance costs paid (9.6) (12.3) Payments to suppliers and employees (10.8) (11.9) Net operating cash flow (2.4) 2.2 - Investing and financing cash flow Net increase in loans to customers (57.0) (56.0) Net proceeds of borrowings 54.7 55.4 Net proceeds from issue of shares 50.5 Other 6.4 (0.3) Net investing and financing cash flow 4.1 49.6 Net increase in cash and cash equivalents 1.7 51.7 Plenti 20 20#21#3 - FINANCIAL RESULTS Balance sheet ($m) Assets Cash and cash equivalents Customer loans Trade receivables Other assets Total assets 30-Sept-20 93.7 414.4 0.3 5.9 514.3 Strong cash position post IPO - $66.4m corporate and Provision Fund cash, $27.4m on trust for lenders Customer loan position of $414.4m net of $10.8m ECL provision and $9.9m in upfront fees, recognised on deferred basis Borrowings of $449.0m comprise $363.0m of funds on Plenti lending platforms and $86.0m of drawn warehouse facility Liabilities Trade payables 3.4 Borrowings 449.0 Other 8.6 Total liabilities 461.0 Net assets 53.3 Plenti 21#22Trading and outlook Plenti#23#4 - TRADING AND OUTLOOK Trading - post period Strong momentum through October and November Lending volumes • • October loan originations of $37.2m - 4th consecutive month of record loan originations Robust origination performance across all lending verticals November loans originations tracking well Loan book ~$459m as at 15 November Reached $1bn total lending milestone - a stepping stone for the business Credit performance • Continued improvement in credit metrics in October and November As at 15 November: - 90+ day arrears declined to 0.39% Plenti Loan deferrals (including COVID-19 related) reduced to 0.49% of the outstanding loan portfolio 23 23#24#4 - TRADING AND OUTLOOK Lending vertical outlook and H2 priorities External environment and company initiatives set to drive continued growth Automotive Renewable energy Personal Outlook • Opportunity to maintain strong growth in a large, evolving market, although growth will come in 'steps' H2 priorities • Continue to take market share in broker channel Drive origination growth in direct- to-consumer lending Outlook • Clarity on industry code of conduct creates opportunities for growth Government programs to help catalyse demand H2 priorities • Deliver for government partners Continue to take market share • Distribute via broker channel • Expand into adjacent lending • categories, including commercial Launch into new finance and customer categories Outlook . Strengthening economy and increased people movement is expanding market • Potential responsible lending reform and open banking represent material opportunities H2 priorities Introduce 7-year loan term, expected to significantly expand top-of-funnel demand Improve borrower repeat experience and conversion Plenti will continue to invest in its team, marketing and technology platform to accelerate originations and loan portfolio growth. This investment is expected to result in higher costs in H2 FY21, while delivering sustained revenue growth in FY22 and beyond Plenti 24#25#4 - TRADING AND OUTLOOK Positioned to excel (117) Technology-led, scalable business model Th High growth, in large markets રતની Prime credit focus 888 Borrower acquisition and funding diversity Attractive loan economics, with operating leverage evident Experienced, founder-led management team Plenti 25 45#26Appendices Plenti#27#5 APPENDICES Strategic foundations Technology as a core differentiator, powering growth Borrower experience Fast, simple, competitive loans . • • Seamless, digital-first application experiences across devices and channels Efficient approvals and settlements - funding typically provided same or next day Multi-channel distribution proprietary technology platform Powered by ou Borrower experience Multi-channel distribution • Efficient scaling of loan originations via Direct customer acquisition 10,000+ accredited third- party introducers API and direct integrations with commercial partners Funding diversity Technology platform ° Diverse, flexible and resilient capital supply ~22,000 registered retail, Funding Credit decisioning and • institutional, bank and diversity outcomes Government investors Capital-light marketplaces with Provision Fund model Warehouse funding facility in place Plenti Credit decisioning and outcomes • Proprietary credit scorecards and risk-pricing models Highly automated and streamlined decisioning via RAPID credit engine Considered and prudent approach to risk management 27#28#5 APPENDICES Lending products Efficient, simple and competitive loans across three lending verticals Automotive Renewable energy Personal1 Loan amount $10,000 $100,000 Purpose Purchase of new and used vehicles $2,001 - $80,000 Installation and purchase of solar panels, home batteries and other energy efficient equipment $2,001-$45,000 Debt consolidation, home improvement, travel, medical expenses, legal expenses and other Loan term 3 to 7 years 3 to 7 years 6 months to 5 years Average customer² Loan amount Loan term All-in rate³ ~$31,200 72 months 7.9% pa Loan amount Loan term All-in rate³ ~$9,300 69 months 9.9% pa Loan amount Loan term All-in rate³ ~$17,000 50 months 14.0% pa Risk-based pricing provides creditworthy borrowers with lower rates Plenti Flexible loan terms Simple and transparent terms Notes: 1) Plenti also offers short-term bullet repayment loans for legal fees, secured over property. These loans have a maximum loan amount of $500,000. Average customer statistics exclude this loan type. 2) Based on originations over the 3-month period to 30 June 2020. 3) All-in comparison rate including all upfront fees and ongoing charges. Accounting revenue recognition under effective interest rate method will differ due to recognition period vs long term variance 28#29#5 APPENDICES Key operating and financial metrics H1 FY20 H2 FY20 H1 FY21 125.2 161.3 167.0 Loan originations ($m) Average term of new originations (months) 53.7 55.9 62.5 Closing loan portfolio ($m) 306.0 380.9 435.1 Average loan portfolio ($m) 274.9 346.8 393.5 Average borrowings ($m) 269.8 341.3 389.1 Average interest rate 13.3% 12.4% 12.1% % of average gross loan portfolio Average funding cost rate 7.1% 6.5% 6.3% % of average borrowings Net charge off¹ 2.7% 2.0% 1.1% % of average closing loan portfolio 2 Loan portfolio amortisation rate % of closing loan portfolio, monthly 4.8% 4.7% 4.9% Plenti Notes: 1) Net charge-off rate calculated as actual loan receivables written off in the period net of loss recoveries divided by average loan portfolio value. 2) Calculated as change in closing loan portfolio less new loan originations for the period as a % of the previous period closing loan portfolio 29#30#5 APPENDICES Key product level metrics Loan originations ($m) Automotive Renewable energy Personal H1 FY20 H2 FY20 H1 FY21 125.2 161.3 167.0 19.2 38.4 81.1 19.4 23.6 28.5 86.6 99.3 57.5 Closing loan portfolio ($m) 306.0 380.9 435.1 Automotive 55.7 83.4 146.0 Renewable energy 38.2 54.6 71.2 Personal 212.1 243.0 217.8 Plenti 30#31#5 APPENDICES P&L reconciliation: pro forma to statutory ($m, 6 months to September) H1 FY21 Convertible Pro forma notes¹ JobKeeper² IPO costs³ Share-based payments4 Other5 Interest revenue 23.9 H1 FY21 Statutory 23.9 Other income 2.1 2.1 Total revenue pre transaction costs 26.0 26.0 Transaction costs (1.0) (1.0) Net income 25.0 25.0 Funding costs (12.3) (0.5) (12.8) Expense passed to unitholders (0.1) (0.1) Customer loan impairment expense (3.0) 0.2 (2.8) Sales and marketing expense (4.0) 0.7 0.1 (3.3) Product development expense (2.5) 0.2 0.1 (2.2) General and administration expense (6.1) (0.4) 0.8 (2.3) (2.5) 0.3 (10.0) Depreciation and amortisation (0.4) (0.4) NLAT (3.4) (0.9) 1.7 (2.3) (2.5) 0.9 (6.6) Notes: 1) Funding cost component relates to interest charged on convertible notes which converted to ordinary equity at IPO. G&A expense relates to the loss on derivative fair value due to an increase in the fair value of the derivative liability to listing date on the convertible notes. 2) JobKeeper payments relate to payments received from the Australian government in relation to COVID-19. 3) IPO costs include legal and accounting due diligence costs, as well as corporate adviser fees and listing costs. A further $2.8m of IPO costs were recognised directly in equity and are included in the cash flow statement in investing activities. 4) Share-based payments relates to the expected accelerated vesting of the existing incentive plan arrangement on IPO which is a one-off non-cash transaction. Ordinary ESOP costs incurred in the period have not been adjusted. 5) Customer loan impairment expense component relates to a change in Plenti's bad debt write-off policy during the period, which was increased from 120 to 180 days to align with market practice. This resulted in a period of lower than usual net charge-offs being recorded. While the lower charge-off expense was partially offset by a higher loan impairment provision charge resulting from fewer aged loans being written off, Plenti has sought to estimate the net remaining benefit and has reversed this out of the pro forma result as this is a non-recurring benefit. The remaining pro forma adjustments relate to the one-off benefit of COVID-19 salary reductions offset by the additional costs of being a public company Plenti 31#32Plenti #5 APPENDICES P&L reconciliation: NLAT to cash NLAT ($m, 6 months to September) H1 FY20 H1 FY21 NLAT (pro forma) (7.9) (3.4) Add: Movement in provision for expected losses 0.5 1.0 Add: Share-based payments 0.2 0.6 Add: Depreciation & amortisation 0.3 0.4 Cash NLAT (pro forma) (6.9) (1.5) 32 32#33Disclaimer and important notices No recommendation, offer, invitation or advice The material in this presentation is general background information about Plenti Group Limited (the Company) and its subsidiaries, and is current at the date of the presentation, 18 November 2020. The information in this presentation is of a general nature and does not purport to be complete or to provide all information that an investor should consider when making an investment decision. It should be read in conjunction with the Company's IPO prospectus and other periodic and continuous disclosure announcements lodged with the ASX, including the H1 FY20 Half Year Results announcement. Neither the Company nor its representatives have independently verified any data provided by third parties. This presentation does not constitute advice (of any kind) to current or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. No representation is made as to the accuracy, completeness or reliability of the presentation. The Company is not obliged to, and does not represent that it will, update the presentation for future developments. This presentation is not an offer, invitation, solicitation or other recommendation with respect to the subscription for, purchase or sale of any securities in the Company. This presentation has been made available for information purposes only and does not constitute a prospectus, short form prospectus, profile statement, offer information statement or other offering document under Australian law or any other law. This presentation is not subject to the disclosure requirements affecting disclosure documents under Chapter 6D of the Corporations Act 2001 (Cth) and does not contain all the information which would be required in such a disclosure document. Exclusion of representations or warranties This presentation may contain certain "forward looking statements". Forward risks, uncertainties and other factors, many of which are outside the control of the Company, can cause actual results to differ materially from such statements. The Company makes no undertaking to update or revise such statements. Investors are cautioned that any forward-looking statements are not guarantees of future performance and that actual results or developments may differ materially from those projected in any forward- looking statements made. To the maximum extent permitted by law, the Company and its related bodies corporate, directors, officers, employees, advisers and agents disclaim all liability and responsibility (including without limitation any liability arising from fault or negligence) for any direct or indirect loss or damage which may arise or be suffered through use or reliance on anything contained in, or omitted from, this presentation. Non-IFRS financial measures Recipients of this presentation should also be aware that certain financial information included in this Presentation is "non-IFRS financial information" under ASIC Regulatory Guide 230: "Disclosing non-IFRS financial information". These measures include net loss rate, loan deferral rates, net charge-off rates, any "pro forma" measurements, average interest rates, average funding rates, cost to income ratios and loan portfolio amortisation rates. The Company believes this non-IFRS financial information may be useful to users in measuring the financial performance and conditions of the Company and its subsidiaries. This non-IFRS financial information does not have a standardised meaning prescribed by the Australian Accounting Standards Board or the International Financial Reporting Standards Foundation, and therefore, may not be comparable to similarly titled measures presented by other entities, nor should it be construed as an alternative to other financial measures determined in accordance with Australian Accounting Standards or IFRS. Recipients of this presentation are therefore cautioned not to place undue reliance on any non-IFRS financial information included in this presentation. Further information regarding the non-IFRS financial information used in this presentation is included in this Appendix. Non-IFRS measures have not been subject to audit or review. Investment risk An investment in the Company's securities are subject to investment and other known and unknown risks, some of which are beyond the control of the Company. The Company does not guarantee any particular rate of return or the performance of the Company or an investment in it, nor does it guarantee the repayment of capital from the Company or any particular tax treatment. Before investing in the Company, you should consider whether this investment is suitable for you. Potential investors should consider publicly available information on the Company, carefully consider their personal circumstances and consult their professional advisers before making an investment decision. All currency figures are in Australian dollars unless otherwise stated. Totals and change calculations may not equate precisely due to rounding. Plenti 33