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Investor Presentaiton

Customer value proposition Delivering faster, fairer loans through our smart technology Automated application process Risk-based pricing Fast funding H • Personalised fixed rates based on customer credit characteristics. • Loans up to $70,000 with terms of 3, 5 and 7 years. • Average new loan size $21,000. Fully CCCFA/ NCCPA compliant • Funding within 24 hours. Unsecured loans from 7.99% to 22.99% p.a. Secured loans from 7.89% to 19.49% p.a. • One simple upfront loan establishment fee. No other fees. • Loans fully compliant with consumer lending codes in AU/NZ. H HARMONEY ©2023 FY23 INVESTOR PRESENTATION 25 AUGUST 2023 Use of funds Renovation Loans Debt Consolidation Car Loans Education Loans ఈ Travel Loans Wedding Loans 9
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