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Investor Presentaiton

Expanding product offering - Car loan update Buying a new vehicle Buying a used vehicle More loan purposes Do you want to secure your used car loan? Secured loan Pay a lower interest rate by using your vehicle as security. Unsecured loan This loan does not require your vehicle to be used as security. Product: In January 2023 Harmoney launched its innovative and disruptive car loan product, empowering customers with cash buyer confidence to buy privately or at the dealership, so they are not reliant on dealership finance options. Once customers drawdown the funds they have 60 days to provide Harmoney the car registration and certificate of insurance to keep the lower secured interest rate, if this isn't provided the interest rate reverts back to the higher unsecured loan rate. Progress update: StellareⓇ marketing commenced in late January. Growing from a zero base, 5% of new customer lending was via this product in 2H23, providing an early indication that customers are finding this disruptive car loan model attractive. Secured arrears 0% at 31 July. Stellare 2.0: Expected to further boost attractiveness with features such as money in seconds and targeted experience enhancements. Car market: Large market, not historically a focus for Harmoney's unsecured loan offering, where interest rates are typically higher than secured loans. Disrupting the car finance experience Jesse M. 01/02/2023 Quick and easy with a very mobile friendly website. Verified A Customer H HARMONEY ©2023 FY23 INVESTOR PRESENTATION 25 AUGUST 2023 23
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