FY22 Investor Presentation

Deep Consumer Lower Lower CAC + Lower Losses Fixed + Funding + Opex Costs High Shareholder Returns Consumer-direct data and experience delivers lower CAC Data+ Machine Learning Automation Marketing cost to origination % Australian cost to origination ratio improved by 45% Stellare applies continuous machine learning to deep consumer data to focus on desirable, high intent customers, lowering marketing costs. Customers enjoy their experience, as shown by exceptional Google and NPS ratings, and return next time they want help to start something new. Unlike other models, our direct relationship means subsequent loans have near zero CAC. Group FY22 marketing cost to origination ratio reduced to 4.7% from 6.4% pcp. 13% 10% 8% 5% 3% 0% H1-FY21 H2-FY21 H1-FY22 H2-FY22 - Australia -New Zealand H HARMONEY ©2022 FY22 INVESTOR PRESENTATION 31 AUGUST 2022 17

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