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Investor Presentaiton

#2 BUSINESS RECAP Disrupting large markets Building scale across substantial lending verticals undergoing significant change Automotive A $33bn+ Annual lending¹ Market undergoing structural, regulatory and technological change Banks/traditional lenders exiting as they struggle to deliver required technology and compliance Car purchase and finance journey moving online Plenti • • • Renewable energy >280k Households installing solar annually2 Personal Multi $bn Government programs supporting uptake $12bn+ Annual lending³ Strong growth in household solar uptake Increasing battery adoption, increasing finance opportunity State subsidy programs an important driver of future market growth • Bank market share declining Consumers increasingly moving to alternative providers, seeking value and convenience Notes: 1) Includes consumer and commercial lending segments. ABS 5601.0 Table 7 LTM to Jun-20, and ABS 5671.0 Table 9 LTM to Nov-18; ABS discontinued ABS 5671.0 in Nov-18. 2) Clean Energy Council, Clean Energy Australia Report 2020. 3) ABS 5601.0 Table 27 LTM to Jun-20 10
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