HARMONEY CORP LIMITED — Call Transcript 2023

Feb 20, 2023

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21 February 2023

ASX ANNOUNCEMENT

HARMONEY FY23 Half Year Results – Conference Call Details

Harmoney Corp Limited (ASX: HMY) ( Harmoney or the Company ) advises that its CEO and Managing Director, David Stevens, and CFO, Simon Ward, will present Harmoney’s Preliminary Half-year Results to be released on Tuesday 28 February 2023 .

The Company will host an investor conference call and webcast, including a Q&A session following the release of the results:

Date: Tuesday, 28 February 2023

Time: 10:00am AEDT / 12:00pm NZDT

Participants are encouraged to register before the start of the call using the details below. Please note that registered participants will receive their dial-in number upon registration.

Webcast and Registration Link:

The audio webcast and slide presentation registration will be accessible via the following link: - - https://s1.c conf.com/diamondpass/10028215 qcev1n.html

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For queries please contact:

or queries please contact:
Corporate/Investors	Investors
David Stevens	Adrian Mulcahy
CEO & Managing Director	Investor Relations
investors@harmoney.co.nz	adrian.mulcahy@automicgroup.com.au
	+61 438 630 422

ABOUT HARMONEY

Harmoney is the only 100% consumer-direct personal lender operating across Australia and New Zealand. Harmoney provides customers with unsecured personal loans that are fast, easy, competitively priced (using risk-adjusted interest rates) and accessed 100% online.

Harmoney’s purpose is to help people achieve their goals through financial products that are fair, friendly, and simple to use.

Harmoney’s proprietary digital lending platform, Stellare® is the power behind the platform. Stellare® can process, approve and fund most loan applications within 24 hours. Stellare® also replaces the traditional industry credit scorecard with Libra®, our predictive behavioural analytics engine. Libra® uses machine

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learning to analyse our rich, direct consumer data to deliver automated credit decisioning and superior risk-based pricing.

BUSINESS FUNDAMENTALS

• Harmoney provides risk based priced unsecured and secured personal loans of up to $70,000 to consumers across Australia and NZ.

• Its 100% consumer-direct model and automated loan approval system is underpinned by Harmoney’s scalable Stellare® proprietary technology platform.

• A large percentage of Harmoney’s originations come from existing customers with no customer acquisition cost.

• Harmoney is comprised of a team of ~85 full-time employees predominantly based in Auckland, New Zealand, half of whom comprise engineering, data science and product professionals.

• Harmoney has a highly diversified funding panel with warehouses being provided by three of the “Big4” banks across Australia and New Zealand and Harmoney also issued its first asset backed securitisation in 2021 which was publicly rated by Moody’s.

For further information visit https://www.harmoney.co.nz/ or https://www.harmoney.com.au/

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