FY22 Investor Presentation

Australian expansion delivers strong revenue growth Group revenue growth Average customer interest rate 15.9% StellareⓇ lending platform and consumer-direct model delivered 37% group loan book growth, now 94% warehouse funded, driving statutory revenue of $78m up 99% pcp. Convenient and quick online process attracting prime borrowers and delivered 15.9% average interest rate. Personalised risk-based interest rates enabled passing through >100bps weighted average increase across all originations from April, in response to rising interest rates, without impacting demand. $100m $75m $50m $25m $0m FY21 Statutory FY21 Pro forma FY22 Statutory FY22 Pro forma H HARMONEY ©2022 FY22 INVESTOR PRESENTATION 31 AUGUST 2022 16

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