Investor Presentaiton

Book growth powering revenue growth Revenue growth 47% on pcp . Group revenue growth Revenue of $107m, up 47% on pcp, powered by loan book growth. $125m • Average interest rate 15.5%, down from 15.9% pcp on loan book weighting towards lower rate calendar year 2021 originations. FY23 marks a low point for the average interest rate, this lifts in future periods as the rate increases passed through from calendar year 2022 become a larger portion of the loan book. June 2023 average 15.7%. $100m $75m $50m $25m $0m H HARMONEY ©2023 FY23 INVESTOR PRESENTATION 25 AUGUST 2023 47% Growth FY22 FY23 15

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