Latitude : 2022 Annual General Meeting - Presentation

Latitude 2022 AGM-Managing Director and CEO presentation

27 April 2022

Latitude Group Holdings Limited ACN 604 747 391

•1

Statutory profit $160m, Cash NPAT $232m, ROE 17%

Total Volume of $7.3bn up 4.3%, Lending1 up 41.6% and NZ Instalments up 10.1%

•3

4 •5

• • Growth in risk adjusted income margin (+41bps) sustained strong asset

Strong operating cost and credit quality outcomes

quality

Operational highlights:

― Completed Symple acquisition, with front book origination to go live in early Q2, on budget and on time

―

New segments in Big Ticket (health/marketplace/telco) & international launched first transaction in Q4 2021

•6

― Recently announced Humm acquisition Capital and funding strength, 8.7% TER

• •1 Rolling lockdowns and consumer confidence driving lower customer footfall in retail impacting December and January volume

• •2 Elevated repayments resulting in higher quality but lower overall receivables

Group Repayments 2 3

103%

103%

2019

2020

2021

(1) Lending excluding 28 Degrees and other run off Credit Cards (2) FX normalised at NZD/AUD 0.9419. (3) Repayment rate is the average of the monthly repayment rate, which is calculated as repayments expressed as a percentage of opening receivables. Excludes 28 Degrees and other run off Credit Cards due to international impact on Credit Card portfolio repayment rates

2

Drivers of Latitude Growth FY23+

Synergies and growth from

Symple acquisitionInternational expansion

Partnerships

Latitude tomorrowLatitude present

Economy normalises

3

Consumer spending is expected to return to pre-pandemic levels as confidence lifts and based on the strong rebound in Latitude's volumes post previous lockdowns

2

The resumption of international tourism into Australia provides further optimism and a boost in activity

3

Latitude is well placed to benefit as the economy and repayment levels normalise

4

Bad debts remain low for 2022, reflecting higher quality customers

5

Lingering COVID impacts have slowed the pace of revenue recovery but asset quality remains strong with cost discipline intact

4

Important notice and disclaimers

Important notice and disclaimer

The following important notice and disclaimer applies to this presentation ("Presentation") and you are therefore advised to read this carefully before reading or making any other use of this Presentation or any information contained in this Presentation.

This Presentation has been prepared by Latitude Group Holdings Limited ("LFS"). The distribution of this Presentation in jurisdictions outside Australia may be restricted by law and you should observe any such restrictions. Any failure to comply with such restrictions may constitute a violation of applicable securities laws.

Summary information

This Presentation contains summary information about the current activities of LFS and its subsidiaries as at the date of this Presentation. The information in this Presentation is of a general nature and does not purport to be complete. This Presentation should be read in conjunction with LFS's other periodic and continuous disclosure announcements lodged with the Australian Securities Exchange ("ASX"), which are available atwww.asx.com.au. No member of LFS gives any warranties in relation to the statements and information in this

Presentation.

Financial information

The financial information in this Presentation is presented in an abbreviated form insofar as it does not include all of the presentation and disclosures required by the Australian Accounting Standards ("AAS") and other mandatory professional reporting requirements

applicable to general purpose financial reports prepared in accordance with the Corporations Act. You should consider the basis of preparation and assumptions underlying the financial information contained in this Presentation.

All dollar values are in Australian dollars ("A$" or "$"). A number of figures, amounts, percentages, estimates, calculations of value and fractions in this Presentation are subject to the effect of rounding. Accordingly, the actual calculation of these figures may differ from the figures set out in this Presentation. Unless stated otherwise 2020 numbers are shown on a proforma basis consistent with the IPO Prospectus dated 30 March 2021.

Past performance

Past performance and historical information in this Presentation is given for illustrative purposes only and should not be relied upon (and is not) an indication of future performance including future share price information.

Forward looking statements

This Presentation contains certain "forward-looking statements". The words "forecast", "estimate", "likely", "anticipate", "believe", "expect", "project", "opinion", "predict", "outlook", "guidance", "intend", "should", "could", "may", "target", "plan", "project", "consider", "foresee", "aim", "will", "seek" and other similar expressions are intended to identify forward-looking statements.

Forward-looking statements, opinions and estimates provided in this Presentation are based on assumptions and contingencies which are subject to change without notice and involve known and unknown risks, uncertainties, assumptions, contingencies and other factors, many of which are beyond the control of LFS and its related bodies corporate and affiliates and each of their respective directors, securityholders, officers, employees, partners, agents, advisers and management.

Investors are strongly cautioned not to place undue reliance on forward-looking statements, particularly in light of the current economic climate and the significant volatility, uncertainty and disruption caused by the COVID-19 pandemic.

Nothing in this Presentation is a promise or representation as to the future. Forward-looking statements are provided as a general guide only and should not be relied upon as an indication or guarantee of future performance. Actual results, performance or achievements may vary materially from those expressed or implied in those statements and any projections and assumptions on which these statements are based. These statements may assume the success of LFS's business strategies and the integration of Symple following completion of the Acquisition, the success of which may not be realised within the period for which the forward-looking statements may have been prepared, or at all.

No guarantee, representation or warranty, express or implied, is made as to the accuracy, likelihood of achievement or reasonableness of any forecasts, prospects, returns, statements or tax treatment in relation to future matters contained in this Presentation.

The forward-looking statements are based only on information available to LFS as at the date of this Presentation. Except as required by applicable laws or regulations, none of LFS, its representatives or advisers undertake any obligation to provide any additional or updated information or revise the forward-looking statements or other statements in this Presentation, whether as a result of a change in expectations or assumptions, new information, future events, results or circumstances.

5