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Investor Presentaiton

#4 - TRADING AND OUTLOOK Lending vertical outlook and H2 priorities External environment and company initiatives set to drive continued growth Automotive Renewable energy Personal Outlook • Opportunity to maintain strong growth in a large, evolving market, although growth will come in 'steps' H2 priorities • Continue to take market share in broker channel Drive origination growth in direct- to-consumer lending Outlook • Clarity on industry code of conduct creates opportunities for growth Government programs to help catalyse demand H2 priorities • Deliver for government partners Continue to take market share • Distribute via broker channel • Expand into adjacent lending • categories, including commercial Launch into new finance and customer categories Outlook . Strengthening economy and increased people movement is expanding market • Potential responsible lending reform and open banking represent material opportunities H2 priorities Introduce 7-year loan term, expected to significantly expand top-of-funnel demand Improve borrower repeat experience and conversion Plenti will continue to invest in its team, marketing and technology platform to accelerate originations and loan portfolio growth. This investment is expected to result in higher costs in H2 FY21, while delivering sustained revenue growth in FY22 and beyond Plenti 24

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