Investor Presentaiton

Diversified funding and hedging program lower risk Deep Consumer Data + Machine Learning + Automation Return on Equity Lower Lower + CAC Lower Losses Fixed target + Funding + Opex of 20% run rate Costs in FY25 Funding from 3 of the "Big 4" banks • Facilities expanded to >$1.2bn in August 2023, incl. unused capacity ~$330m, with: H Fifth "Big-4" bank warehouse $140m added, incl. new global mezzanine funder. 。 Inaugural New Zealand NZ$200m securitisation. Unrestricted cash $27.5m at 30 June 2023. Capital efficient with borrowings 95% of loan book (incl. restricted cash). FY23 avg. funding rate 6.0%, up from 1H22 exceptional low. Hedging dampening impact of OCR increases. NIM on target at 9.6%. HARMONEY ©2023 FY23 INVESTOR PRESENTATION Average funding rate Interest rate % 8% 6% 4% 2% 0% 1H21 2H21 Average funding rate (%) 25 AUGUST 2023 1H22 2H22 1H23 Hedging coverage % 100% 75% 50% 25% 0% 2H23 OCR (Average Australia/New Zealand) % Average hedging coverage % 18

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