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ConsumerOpps

David Stevens

CEO & Managing Director

All values in $NZD unless stated otherwise

Important notice and disclaimer

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The material in this presentation is provided for general information purposes only and is current as at the date of this presentation. It is not a prospectus or product disclosure statement, financial product or investment advice or a recommendation or offer to acquire Harmoney shares or other securities. It is not intended to be relied upon as advice to investors and does not take into account the investment objectives, financial situation or needs of any particular investor. Investors should assess their own financial circumstances and seek professional legal, tax, business and/or financial advice before making any investment decision. The information in this presentation does not purport to be complete. It should be read in conjunction with Harmoney's other periodic and continuous disclosure announcements lodged with the Australian Securities Exchange and New Zealand's Exchange, which are available atwww.asx.com.auand www.nzx.com respectively.

This presentation may contain forward looking statements including statements regarding our intent, belief or current expectations with respect to Harmoney Group's business and operations, market conditions, results of operations and financial condition, specific provisions and risk management practices. Such forward looking statements involve known and unknown risks, uncertainties, assumptions and other important factors, many of which are beyond the control of Harmoney Group and which may cause actual results, performance or achievements to differ materially from those expressed or implied by such statements. Readers are cautioned not to place undue reliance on these forward looking statements, which speak only as of the date thereof. Past performance is not indicative of future performance.

No representation or warranty, express or implied, is made as to the fairness, completeness, accuracy, adequacy or reliability of information, opinions or conclusions in this presentation, including the financial information. To the maximum extent permitted by law, none of Harmoney or its related bodies corporate or their respective, its directors, officers, employees or contractors or agents do not accept liability or responsibility for any loss or damage resulting from the use or reliance on this presentation or its contents or otherwise arising in connection with it by any person, including, without limitation, any liability from fault or negligence.

The financial information in this presentation has not been audited in accordance with Australian Auditing Standards.

This presentation contains certain non-IFRS measures that Harmoney believes are relevant and appropriate to understanding its business. Investors should refer to the Half Year FY22 Results for further details.

All values are expressed in New Zealand currency unless otherwise stated. All intellectual property rights in this presentation are owned by Harmoney.

About Harmoney (ASX & NZX: HMY)

Largest 100% online consumer-direct lender across Australia & NZ

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Compelling Fundamentals

Attractive revenue profile, loan book, track record of origination growth, and high margins

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Technology Empowered

Proprietary technology, Stellare® enables automation, machine learning, data utilisation and direct marketing

Strong Market Position

Established presence in New Zealand and Australia, and experienced high growth phase in Australia

Operating Leverage

Stellare® enhances customer lifetime value and minimises origination costs, facilitating scale and efficiency

Credit Product Innovation

Opportunities to expand product offerings by leveraging deep consumer data in our Libra platform

Strong Customer Retention

High customer satisfaction and personalised product offering drive strong growth from existing and returning customers

Warehousing & Securitisation

Major bank warehouses with three Big 4

Banks plus ABS program in place

Experienced Team

Highly experienced management team with a proven track record of success in consumer finance

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Harmoney Corporation Ltd. published this content on 04 April 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 04 April 2022 05:33:05 UTC.