Investor Presentaiton

Successful business model transition Successful shift to institutional funding Shift towards better quality borrowers Loan volume % by funding sources Proportion of loan volume by credit rating(1) 100% 20.4% 10.0% 2Q18 4Q18 !!! 90% 20% 16% 80% 70% 22% 26% 27% 60% 29% 100.0% 100.0% 50% 40% 24% 31% 25% 32% 30% 20% 21% 14% 19% 10% 14% 0% 4Q19 FY20&1Q21 FY18 FY19 FY20 1Q21 ■Loans facilitated by individual investors as % of total loan volume ■Loans facilitated by institutional partners as % of total loan volume (1) Credit rating refers to Magic Mirror scores, with Level I representing the lowest risk and Level VII the highest. IV V VI VII 12

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