FY22 Investor Presentation

Strategic growth initiative 2: Expand product offering Non-prime accounts Prospects 1,000/per month avg. New customers funded by Harmoney. 12,000 per month avg. New customer accounts 6,000/per month avg. - Harmoney Opportunity "Prime" accounts - bureau qualified people each month that are not served by our current product offering, which represents an opportunity to meet their needs with new features (e.g. always-on line of credit, interest only) or new products beyond the personal loan (e.g. auto, SME products, financial tools). • Increasing conversion through a better user experience and new credit and affordability models. • Higher retention as Harmoney's relationship with customers moves beyond the personal loan to a wider range of financial products. H HARMONEY ©2022 31 AUGUST 2022 23

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