FY22 Investor Presentation

A$274m Australian Loan Book Building a high skill, high value customer base Employment status 0 DDD Office / 32% Trade/21% Professional/18% Self-employeed/3% Other employed / 25% Other / 1% Loan purpose Property ownership Age of borrowers 40% 20% OWNED - PAYING MORTGAGE RENTING LIVING WITH PARENTS BOARDING OTHER FULLY OWNED NO MORTGAGE EMPLOYER SUPPLIED A - Debt consolidation / 26% B-Home improvements / 19% C - Holiday Expenses / 7% D - Used vehicle / 10% E Household Items / 7% F Other/31% H HARMONEY ©2022 FY22 INVESTOR PRESENTATION Region 31 AUGUST 2022 30% 20% 10% 18-19 20-29 30-39 40-49 50-59 60-69 70+ NSW / 29% QLD/27% VIC/21% WA/13% SA/5% Other/5% 27

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