Announcement PDF HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 1 1 3Q26 Investor Presentation ASX HMY All values are in $AUD unless stated otherwise David Stevens CEO and Managing Director Simon Ward CFO HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 FY26 Guidance: Cash NPAT $13m reaffirmed 2 $13m Cash NPAT,128% increase on pcp ● Stellare® 2.0 driving year end loan book to $900m+ ● Net interest margin: ~10% ● Risk adjusted income: ~6% ● Cash NPAT: $13m Cash NPAT 331% CAGR HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 YTD 3Q26 YTD 3Q25 Change Loan book $879m $798m 10% Australian loan book $544m $464m 17% New Zealand loan book NZ$402m NZ$368m 9% Net interest income 10.3% 9.1% 120bps improvement Credit losses 3.8% 3.8% Stable Risk adjusted income 6.5% 5.3% 120bps improvement 90 Day arrears 0.62% 0.69% 7bps improvement Cost to income ratio 18.2% 18.4% 20bps improvement Positive key metrics underpin $13m Cash NPAT guidance 3 HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 Harmoney flywheel 4 HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 5 5 Four stages that create compounding economics with each customer How the Flywheel works First Loan ● $18,000 loan ● ~5.6% CAC = $1,000 Result: Unit economics that compound Subsequent loan(s) ● $27,000 loan (1.5x) ● 0% CAC = $0 Customer Acquisition ● ~5.6% CAC via Google/AEO/Partners ● Prime customer profile Deliver experience ● Minutes to apply ● Instant decision ● Money in minutes Customer returns ● $0 CAC on repeat ● 1.5x additional lending ● Higher Customer LTV Data Intelligence ● Quality 1st party data ● Seasoned AI credit models 4 2 3 1 Stellare KPIs achieved ● RAI 6.5% ● RoE 31% $ HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 Deliver Experience What we’re building ● Multi-product customers (personal+auto) ● Life event triggered lending Expected impact ✓ Increased average lifetime lending ✓ Expansion of total addressable market (TAM) Vehicle loan book up 19% on pcp PROGRESS FY 26  27 Accelerating the Flywheel 1 Customer Acquisition What we’re building ● Next generation AI underwriting with Stellare® 2.0 ● Embedded finance partnerships e.g. auto marketplaces Expected impact ✓ Increased approval rate; maintained credit quality ✓ Expanded reach through partners 2 Originations up 29% on pcp PROGRESS Customer Returns What we’re building ● Mobile app with one click loan access ● Revolving credit line (instant funds) Expected impact ✓ Reduce time between loans ✓ Reduced blended CAC Continued CAC reduction PROGRESS Data Intelligence What we’re building ● Next Agentic AI for personalisation at scale ● Predictive retention models Expected impact ✓ Improved customer retention and satisfaction ✓ A ‘private banker’ automated application experience Proprietary customer data creates defensible AI advantage PROGRESS 3 4 6 HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 Auto update Incremental profit driver ● Auto product is highly innovative, turningSyntax Warning (1215562): Badly formatted number the borrower into a cash-buyer. Innovation education beginning to gain traction. ● Auto is expected to deliver material incremental growth in addition to continuing personal loan growth. ● Obtained a “Big-4” bank credit approved term sheet for secured lending warehouse, unlocking lower cost of funds. ● Significant new Auto partner onboarded in April 2026 in New Zealand. Auto loan book growth on pcp 7 HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 31% Return on Equity (1H26) accelerated profit growth More customers Combined effect: Flywheel acceleration Higher Lifetime value Faster velocity + + >$900m FY26 Loan book Guidance $13m FY26 Cash NPAT Upgraded Guidance = Stellare ● The Board and management believe Harmoney’s shares remain undervalued at current levels. Consequently, the company intends to extend its on-market share buyback programme beyond the current expiry date of 29 April 2026 to continue enhancing shareholder value. 8 HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 Appendix 9 HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 $130m+ embedded cash value in existing loan book + Business Value 10 + Business value ● Proprietary, highly automated Stellare® 2.0 customer acquisition and credit assessment engine. Over 10,000 new applicants create an account every month. ● Existing customer base return for 150% in additional lending, at near zero cost. ● Loan book growing at >10% NIM and >6% risk adjusted income (income after funding costs and credit losses). ● Proven scalability with industry leading cost to income %. ● Diversified funding from 3 of the “big-4” Australian banks and an established asset backed security issuance program. Existing loan book value at 31 December 2025 $88m Market Capitalisation 20 Apr 2026 $48m Net cash & Warehouse Equity $82m+ Risk adjusted income embedded in existing loan book* $130m+ income and assets embedded * Applies typical repayment experience. Risk adjusted income calculated on contracted repayment schedule is significantly higher. NPV using a discount rate of 12%. HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 11 30% Management/Board owned,plus 10% shareholder aligned long term incentive plan HMY Shareholder Composition Long term incentive share plan ● New LTI plan approved at December 2025 AGM. ● Targets are based on shareholder-aligned Earnings per Share (EPS) growth and Total Shareholder Return (TSR) over next 3 years. ● EPS full vesting requires 25% CAGR EPS growth from FY26 base of $13.5m Cash NPAT1 . ● TSR full vesting requires HMY to be in the top 25% of the ASX Small Ordinaries Index. Founder & management 30% Pre-IPO Investors 20% Post-IPO Investors 50% Board & management Institutional & retail investors HMY Shareholders 1. EPS target is 25% annualised growth on FY26 Cash EPS of $0.1298, which is equivalent to Cash NPAT of $13.5m at current issued number of shares. HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 12 Join our Investor Hub: harmoney.com.au/invest ● Investor Hub is the best way to stay informed and connected with all things ASX: HMY. ● Comment and ask questions directly to Harmoney’s leadership team and see other investors questions and responses. ● See videos accompanying our ASX announcements, interviews, research reports, and webinars. ● Join our mailing list to receive the latest news and updates from Harmoney by email. HARMONEY ©2026 3Q26 INVESTOR PRESENTATION 22 APRIL 2026 Important notice and disclaimer 13 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 directors, officers, employees, contractors or agents, 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. This presentation contains certain non-IFRS measures that Harmoney believes are relevant and appropriate to understanding its business. Investors should refer to the 1H26 Half Year Report together with the 3Q26 trading update for further details. All values are expressed in Australian dollars unless otherwise stated. All intellectual property rights in this presentation are owned by Harmoney. 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, which are available at www.asx.com.au. 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.