Investor Presentaiton

Data + ML + Automation Deep Consumer Data Lower Machine Learning Automation Lower CAC + Lower Losses + Funding + Fixed Opex Costs Return on Equity target of 20% run rate in FY25 Every month, over 10,000 new customer accounts help us train our machine learning and automation 2021 FINANCIAL REVIEW BOSS INNOVATIVE MOST COMPANIES STELLARE High volumes of up-to-the-moment consumer financial data - combined with our 9+ years of historic data - "supercharges" training of our machine learning models, helping us optimise for: • Highly efficient marketing with Google producing high volumes of desirable customers at low cost. • Risk Adjusted Income of 6% through more accurate assessment of customers. Quality, first-party, consumer-direct data to fuel machine learning has been a core feature of Harmoney since our inception. 11

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