Investor Presentaiton

#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

View entire presentation