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Investor Presentaiton

Harmoney's strategy: 100% consumer-direct Deep Consumer Data + Machine Learning Automation Lower Lower CAC Lower Losses Fixed Return on Equity target Funding Costs Opex of 20% run rate in FY25 Growth opportunities of consumer-direct model Unsecured personal loan Secured car loan Other financial products (e.g. line of credit, credit cards, home loans) H HARMONEY 2023 FY23 INVESTOR PRESENTATION 25 AUGUST 2023 10

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