FY22 Investor Presentation

Harmoney FY22 actual pro forma performance compared to market guidance FY21 Actual¹ FY22 Guidance¹ FY22 Actual¹ Change vs. PCP Loan book $501m > $650m $685m 37% ↑ Revenue $79m > $92m $91m 15% ↑ Net lending margin 6.8% > 8.3% 8.4% 160bps ↑ Cash NPAT ($0.4m) Profitable $1.5m $1.9m ↑ Warehouse funding 61% > 90% 94% 54% ↑ Exceeded 90% target warehouse funding, reaching 94% with one-off targeted borrower rate discounting to drive this impacting revenue - 1% below guidance. 1FY21 Actual, FY22 Guidance and FY22 Actual based on pro forma financials. H HARMONEY ©2022 FY22 INVESTOR PRESENTATION 31 AUGUST 2022 5

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