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Investor Presentaiton

The Harmoney business model maximises customer lifetime value Right customer • Build reliable target customer model through machine learning and high quality first-party consumer data. • Partner with large-scale platforms (e.g. Google, Microsoft Ads, Facebook) to implement cost-effective customer acquisition channels. • Use direct relationship and customer segment fit to devise and offer new products and services. Great experience • First-class customer experience creates annuity revenue as customers return with minimal customer acquisition cost (CAC). • Highly automated simple and streamlined 100% online process. · Massive scale Exploit tech to build scale, speed, and automation to decouple costs from growth. Start next big thing 140% additional originations over next 6yrs H Google APPROVED 4.7/5 overall rating >53,000 reviews HARMONEY ©2023 New customer Harmoney application FY23 INVESTOR PRESENTATION 25 AUGUST 2023 Harmoney loan 12
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