FY22 Investor Presentation

Harmoney's strategy: 100% consumer-direct Deep Consumer Data+ Machine Learning+ Automation II Lower CAC + Lower Losses + Lower Funding + Costs Fixed Opex High Shareholder Returns Growth opportunities of consumer-direct model Personal loan Other financial products (e.g. line of credit, secured, home loans) H HARMONEY ©2022 FY22 INVESTOR PRESENTATION 31 AUGUST 2022 11

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