Investor Presentaiton

Expanding product offering - Stellare 2.0 Marketing Intelligence ENHANCEMENT Customer Profile & Process Loan Management • Stellare 2.0 is the next evolution of our proprietary software platform, providing expanded technical and product capability. This enhancement will reduce the time to market for innovative financial products, operating alongside our deep consumer data, machine learning algorithms and sophisticated credit scoring models to provide a new experience and a wider offering to customers. An initial feature will approve more customers in the $2k - $15k enquiry range, which Stellare 1.0 is not calibrated towards. Higher conversion into loans has a 140% multiplier effect as those customers later return for future borrowing needs with minimal customer acquisition cost due to Harmoney's consumer-direct business model. Credit Decisioning Stellare 2.0 Affordability Assessment Funding Non-prime accounts Machine Learning Data Flow & Intelligence Prospecting 10,000 per month avg. New customer accounts Existing Initial feature uplift H HARMONEY ©2023 FY23 INVESTOR PRESENTATION 25 AUGUST 2023 Prime accounts 24 24

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