FY22 Investor Presentation

Rapid growth across all key business metrics 1. Account acquisition 2. Loan originations 3. Customer annuity 200k 150k 57% Growth 100k 50k Ok FY21 FY22 AU expansion powering rapid account growth. H $500m $400m 85% Growth $300m $200m $100m $0m FY21 FY22 Multiple top of first loan 150% 100% 50% NZ AU from IPO 0% 0 1 2. 3 4 5 Years since first loan Highly automated Stellare® platform converting more accounts into loans. Subsequent originations ~130% of first loan over 5 yrs, AU replicating NZ in 9x larger market. HARMONEY ©2022 FY22 INVESTOR PRESENTATION 31 AUGUST 2022 7

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