FY22 Investor Presentation

Strategic growth initiative 1: Continue AU expansion AU replicating in 9x market Huge potential for Harmoney in A$140bn market¹ Multiple of first loan 150% 100% 50% NZ AU from IPO Market Size A$(Bn) Stable market and an enormous growth opportunity for Harmoney as consumers gravitate online, with the vast majority of personal lending still provided by banks and traditional lenders. Harmoney's Australian new customer lending grew 227% to A$196m. Australia is mirroring New Zealand performance and is on track for these new customers to add -130% in repeat lending over the next five years, at near zero CAC. - AU Market¹ 200 - Harmoney & listed personal lending peers %² 5% 4% 150 3% 100 50 2% 1% 0% 0 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Market share % H 0% 1 0 1 2 3 4 5 Years since first loan HARMONEY ©2022 Source RBA, 'D2 Lending And Credit Aggregates - Credit; Other personal', which covers all personal credit (non-business, non-housing/mortgage), incl. e.g. personal loans, car loans and credit cards. 2 Listed personal lending peers comprise Wisr, MoneyMe & Plenti with loan balances sourced from 2022 market trading updates. FY22 INVESTOR PRESENTATION 31 AUGUST 2022 22

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