Investor Presentaiton

#2 BUSINESS RECAP Lending to prime borrowers Prime loan portfolio drives industry-leading loss rates Average credit score on loan portfolio Net charge-off rate² 850 4.0% 3.5% 800 3.0% 2.5% 750 2.0% 700 1.5% Indicative Big Four and prime Fintech lenders¹ 1.0% 650 0.5% 600 Sep-18 Dec-18 Plenti Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 H1 H2 H1 FY18 FY18 FY19 H2 H1 H2 FY19 FY20 FY20 H1 FY21 Notes: 1) Median credit score for fixed term personal loans, Equifax Consumer Update - November 2020. 2) Net charge-off rate calculated as actual loan receivables written off in the period net of loss recoveries divided by average loan portfolio value 9

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