FY22 Investor Presentation

Data + ML + Automation Deep Consumer Data Lower Lower Machine Learning+ Automation CAC Lower Losses + Funding Fixed Opex Costs High Shareholder Returns Every month, over 12,000 new customer accounts help us train our machine learning and automation FINANCIAL REVIEW BOSS INNOVATIVE MOST C COMPANIES STELLARE High volumes of up-to-the-moment consumer financial data - combined with our 7+ years of historic data - "supercharges" training of our machine learning models, helping us optimise for: • High efficacy marketing with Google producing high volumes of desirable customers at low cost. • A leading Net Lending Margin of 9.3% through more accurate risk assessment of customers. Quality, first-party, consumer-direct data to fuel machine learning has been a core feature of Harmoney since our inception. 12

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