FY22 Investor Presentation

StellareⓇ automation powers scalability Deep Consumer Data Machine Learning Automation Lower + CAC Lower Losses + Lower Funding Costs Fixed Opex High Shareholder Returns Scalability drives profitability • Highly automated StellareⓇ platform enables loan book to scale faster than opex, with total loan book growing 37% while indirect (fixed) opex grew 10%. Loan book growth contributes partially to current year revenue growth but delivers multi-year annuity due to consumer-direct model. Opex growth on full year of increased investment in engineering and platform post IPO. Scaleable StellareⓇ platform has delivered pro forma and statutory Cash NPAT profitability in FY22. Loan book to opex growth ― Loan book 800m 600m 400m 200m Om - Fixed opex 40m 30m 20m 10m 0m FY21 FY22 H HARMONEY ©2022 FY22 INVESTOR PRESENTATION 31 AUGUST 2022 20

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