HUMM GROUP LIMITED — AGM Information 2021

Nov 17, 2021

==> picture [60 x 46] intentionally omitted <==

Authorised for release by Belinda Hannover, Company Secretary humm group limited ACN 122 574 583 Level 1, 121 Harrington St, The Rocks, Sydney NSW 2000

==> picture [122 x 20] intentionally omitted <==

18 NOVEMBER 2021

==> picture [122 x 20] intentionally omitted <==

CHAIRMAN’S ADDRESS ANDREW ABERCROMBIE

==> picture [122 x 20] intentionally omitted <==

CEO’S ADDRESS REBECCA JAMES

==> picture [220 x 35] intentionally omitted <==

| COMMITMENT TO SHAREHOLDERS

01 | Committed to growing shareholder value

02 | Will balance returns and investment for growth 03 | Investment to be measured against key performance hurdles

==> picture [98 x 16] intentionally omitted <==

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

==> picture [244 x 49] intentionally omitted <==

| OUR ACHIEVEMENTS

1. Proven ability to scale

3. Continued efficiency gains

• Strongly grown the BNPL business – hitting over $1b in volume in FY21

• Strongly grown the Commercial business – on a pathway to $1b in volume over the medium-term

• Remain committed to target sub 40% CTI

• Employees down from ~1,100 in December 2018 to ~700 in June 2021

• Almost doubled total humm group customers from 1.4m as at June 2018 to 2.7m in June 2021

• Operating expenses excluding marketing and depreciation reduced from $150.8m in FY19 to $134.0m in FY21[1]

• More than doubled our BNPL merchants from 9.5k as at June 2018 to 20.8k in June 2021

• Advanced on decommissioning legacy products and technology

`

2. Proven ability to deliver technology transformation

4. 15-year proven record in capital markets

• Swiftest credit decision in market: 3 minutes to apply for up to $30k

• Fully digitisedcustomer experience: 4.8 app rating

• Securitised over $5b in receivables through public markets

• Decisioned and financed almost $20b in purchases

• New BNPL stack for UK and Canada to be replatformedfor AU

• Continual roll-out of new features to drive engagement and transaction frequency to 19x per year across Australian consumer products in FY21

• Improved capital efficiency by 210 basis points between FY18 (16.0%) and FY21 (13.9%)[2]

• Reduced corporate gearing from 36% in June 2018 to nil in June 2021

• On a Cash NPAT basis. 2. Average direct capital employed / average net receivables.

==> picture [98 x 16] intentionally omitted <==

5

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

==> picture [244 x 49] intentionally omitted <==

| FY21 PERFORMANCE

==> picture [960 x 371] intentionally omitted <==

----- Start of picture text -----

VOLUME NET LOSS / ANR
+31%
(7%)
` +56%
$1,035m
(60bps)
(30%)
$788m
$751m
$695m
$597m
$540m 4.1%
$417m 3.5%
$347m
FY20 FY21 FY20 FY21 FY20 FY21 FY20 FY21 FY20 FY21
BNPL AU CARDS NZ CARDS COMMERCIAL AND LEASING HUMMGROUP
----- End of picture text -----

==> picture [98 x 16] intentionally omitted <==

6

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

==> picture [244 x 49] intentionally omitted <==

| 1Q22 PERFORMANCE

==> picture [960 x 371] intentionally omitted <==

----- Start of picture text -----

VOLUME
+40%
`
$763m
+45%
$547m +8%
+102%
$309m
$214m $232m $249m $205m
$101m
1Q21 1Q22 1Q21 1Q22 1Q21 1Q22 1Q21 1Q22
HUMMGROUP BNPL CARDS (AU & NZ) COMMERCIAL AND LEASING
----- End of picture text -----

==> picture [98 x 16] intentionally omitted <==

7

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

==> picture [244 x 49] intentionally omitted <==

Expanding the reach of instalment payments

New merchants and platforms in current markets

| STRATEGY FOR GROWTH

==> picture [581 x 190] intentionally omitted <==

----- Start of picture text -----

Driving customer New audiences International
engagement New products expansion
New partnerships
Driving customer Finding new Expansion into
engagement and audiences through new markets
transaction frequency partnerships forour
innovative products
----- End of picture text -----

==> picture [98 x 16] intentionally omitted <==

8

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

==> picture [244 x 49] intentionally omitted <==

| CLEAR PARTNER OF CHOICE

THE BNPL/CREDIT PARTNER OF CHOICE FOR BLUE CHIP COMPANIES

ANNOUNCING TODAY A 10-YEAR PARTNERSHIP BETWEEN

RELIABLE INNOVATIVE RESPONSIVE TRUSTED `

==> picture [245 x 43] intentionally omitted <==

We deliver

We lead in product development

We don’t have fintech arrogance

Blue chips & attracted to our inherently strong and profitable business model

==> picture [98 x 16] intentionally omitted <==

9

==> picture [220 x 35] intentionally omitted <==

| AIR NEW ZEALAND PARTNERSHIP ANNOUNCEMENT

AIR NEW ZEALAND, POWERED BY HUMM GROUP

==> picture [291 x 48] intentionally omitted <==

==> picture [162 x 83] intentionally omitted <==

==> picture [98 x 16] intentionally omitted <==

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

==> picture [244 x 49] intentionally omitted <==

| PARTNERSHIP RATIONALE

FOR HUMM GROUP

FOR ENTERPRISES

CAPITAL LIGHT 01 | Capital light model

02 | LOW CUSTOMER ACQUISITION COSTS/FAST SCALING Access to high quality pre-qualified customers at a low cost

03 | DEMAND FOR OUR TECHNOLOGY

Unsolicited enquiries from more than 20 local and global banks, loyalty programs and retailers. Active discussions are ongoing

BANKS LOYALTY RETAILERS SCHEMES PROGRAMS ` Banks partnering with BNPL Loyalty programs partnering Merchants looking to BNPL Partnering with BNPL in to attract Millennials and to drive engagement to drive sales changing payments Gen Z landscape

==> picture [98 x 16] intentionally omitted <==

11

==> picture [146 x 30] intentionally omitted <==

| TOTAL ADDRESSABLE MARKET

	Total addressable retail market (A$1.9t)	Total addressable retail market (A$1.9t)	Total addressable retail market (A$1.9t)	Total addressable retail market (A$1.9t)
$77b	$91b		$349b	$613b		$778b
	‘Big things’ total addressable market (A$500b+)2
Home &	Home Improvement	$69b	$74b	$59b	$2b	$2b
Health		$13b	$63b	$55b	$5b	$5b
Automotive		$12b	$51b	$11b	$7b	$3b
Luxury		$4b	$7b	$2b	$1b	$1b
Personal loans		$8b	$55b1	$38b	$2b	$1b
			1. Total personal loan balance. 2. Figures based on a range of sources and management estimates.

==> picture [98 x 16] intentionally omitted <==

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

==> picture [244 x 49] intentionally omitted <==

| CROSS-SELL/CUSTOMER ACQUISITION STRATEGY

==> picture [470 x 325] intentionally omitted <==

----- Start of picture text -----

MEDIUM-TERM CROSS-SELL OVERLAPS (ILLUSTRATIVE)
Buy your way
‘Big things’ A line of credit with the flexibility
to convert to
fixed instalments
Buy over time
Buy for
Used for a specific
business
purchase at a
specific merchant
‘Little things’
----- End of picture text -----

FY21 CURRENT CROSS-SELL

18% overlap between humm (‘Big things’ and ‘Little things’) 25% of bundll customers have humm 3% overlap between Cards and humm

==> picture [66 x 37] intentionally omitted <==

MEDIUM-TERM TARGETS EXPECTED ECO-SYSTEM CROSS-SELL

30%+ overlap between humm (‘Big things’ and ‘Little things’) 35%+ of bundll customers have humm

15%+ overlap between Cards and humm

==> picture [133 x 9] intentionally omitted <==

----- Start of picture text -----

FREQUENCY AND ACCESSIBILITY
----- End of picture text -----

Cross sell rates represents Australian consumer products only.

==> picture [98 x 16] intentionally omitted <==

13

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

==> picture [244 x 49] intentionally omitted <==

| GROWTH TARGETS

==> picture [960 x 346] intentionally omitted <==

----- Start of picture text -----

FY21 MEDIUM-TERM [1] TARGETS
$2.7b $>2x FY21
Volume Volume
$443.9m $~2x FY21
Gross income Gross income
$2.6b ` $~2x FY21
Average net Average net
receivables receivables
$68.4m $100m+ [2]
CNPAT CNPAT
54.6% Sub 40%
Cost to income Cost to income
----- End of picture text -----

1. Medium-term refers to a timeframe of between 3-4 years. 2. Includes impairment provision with current coverage ~3%.

==> picture [98 x 16] intentionally omitted <==

14

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

==> picture [244 x 49] intentionally omitted <==

| INVESTMENT CHECKLIST

==> picture [235 x 171] intentionally omitted <==

----- Start of picture text -----

Strong and sustainable
unit economics
A profitable business that
can self-fund growth
----- End of picture text -----

==> picture [235 x 171] intentionally omitted <==

----- Start of picture text -----

Diversified business
model
Portfolio of successful
growth and seasoned
products
----- End of picture text -----

==> picture [235 x 172] intentionally omitted <==

----- Start of picture text -----

Experienced
management team
Leading experience across
finance, payments and
marketing
----- End of picture text -----

==> picture [235 x 172] intentionally omitted <==

----- Start of picture text -----

Reducing capital
intensity
Strong access to capital
markets and competitive
funding
----- End of picture text -----

==> picture [235 x 171] intentionally omitted <==

----- Start of picture text -----

Partnership strategy
Partner of choice for
blue chip companies
----- End of picture text -----

==> picture [235 x 172] intentionally omitted <==

----- Start of picture text -----

Focus on shareholder
value
Regular cash returns
combined with focus on
earnings growth
----- End of picture text -----

==> picture [98 x 16] intentionally omitted <==

15

==> picture [122 x 20] intentionally omitted <==

CEO’S ADDRESS IN CLOSING

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

==> picture [244 x 49] intentionally omitted <==

| ITEMS OF BUSINESS

• 01 | Consideration of the Financial Report, Directors’ Report and Auditor’s Report of the Company for the financial year ended 30 June 2021

02 | Adoption of the 2021 Remuneration Report

03 | Election of Alistair Muir as a Director 04 | Re-election of Andrew Abercrombie as a Director

• 05 | Re-election of Carole Campbell as a Director

==> picture [98 x 16] intentionally omitted <==

17

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

Item 1.

Financial Report, Directors’ Report and Auditor’s Report

==> picture [60 x 43] intentionally omitted <==

To receive and consider the Financial Report, Directors’ Report and Auditor’s Report of the Company for the financial year ended 30 June 2021.

==> picture [98 x 16] intentionally omitted <==

18

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

Item 2.

Remuneration Report

To consider and, if thought fit, to pass the following resolution:

==> picture [60 x 43] intentionally omitted <==

That the Remuneration Report (which forms part of the Directors’ Report) for the financial year ended 30 June 2021 be adopted.

==> picture [98 x 16] intentionally omitted <==

19

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

Item 2. Remuneration Report: Proxy numbers

For	—	113,685,565	96.65%
Against	—	2,767,109	2.35%
Open (at Chair’s discretion)	—	1,168,532	0.99%
Abstain	—	435,980	—

==> picture [98 x 16] intentionally omitted <==

20

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

Item 3.

Election of Director

To consider and, if thought fit, to pass the following resolution:

==> picture [60 x 43] intentionally omitted <==

That Alistair Muir be elected as a Director of humm group.

==> picture [158 x 200] intentionally omitted <==

==> picture [98 x 16] intentionally omitted <==

21

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

Item 3. Election of Director: Proxy numbers

For	—	215,653,947	99.12%
Against	—	624,712	0.29%
Open (at Chair’s discretion)	—	1,300,715	0.60%
Abstain	—	598,601	—

==> picture [98 x 16] intentionally omitted <==

22

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

Item 4.

Re-election of Director

To consider and, if thought fit, to pass the following resolution:

==> picture [60 x 43] intentionally omitted <==

That Andrew Abercrombie be re-elected as a Director of humm group.

==> picture [157 x 199] intentionally omitted <==

==> picture [98 x 16] intentionally omitted <==

23

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

Item 4. Re-election of Director: Proxy numbers

For	—	215,122,334	98.81%
Against	—	1,425,498	0.65%
Open (at Chair’s discretion)	—	1,162,715	0.53%
Abstain	—	467,428	—

==> picture [98 x 16] intentionally omitted <==

24

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

Item 5.

Re-election of Director

To consider and, if thought fit, to pass the following resolution:

==> picture [60 x 43] intentionally omitted <==

That Carole Campbell be re-elected as a Director of humm group.

==> picture [157 x 200] intentionally omitted <==

==> picture [98 x 16] intentionally omitted <==

25

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

Item 5. Re-election of Director: Proxy numbers

For	—	215,604,326	99.06%
Against	—	784,016	0.36%
Open (at Chair’s discretion)	—	1,258,215	0.58%
Abstain	—	531,418	—

==> picture [98 x 16] intentionally omitted <==

26

==> picture [122 x 20] intentionally omitted <==

QUESTIONS

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

| DISCLAIMER

This presentation has been prepared by humm group limited ACN 122 574 583 (“ humm group”).

No recommendation, offer, invitation or advice

This presentation is not a financial product or investment advice or recommendation, offer or invitation by any person or to any person to sell or purchase securities in humm group in any jurisdiction. This presentation contains general information about humm group only in summary form and does not take into account the investment objectives, financial situation and particular needs of individual investors. The information in this presentation does not purport to be complete. Investors should make their own independent assessment of the information in this presentation and obtain their own independent advice from a qualified financial adviser having regard to their objectives, financial situation and needs before taking any action. This presentation should be read in conjunction with humm group’s other periodic and continuous disclosure announcements lodged with the Australian Securities Exchange. humm group is not licensed to provide financial product advice in relation to humm group shares or any other financial products.

Exclusion of representations or warranties

The information contained in this presentation may include information derived from publicly available sources that has not been independently verified. No representation or warranty, express or implied, is made as to the accuracy, completeness, reliability or adequacy of any statements, estimates, opinions or other information, or the reasonableness of any assumption or other statement, contained in this presentation. Nor is any representation or warranty, express or implied, given as to the accuracy, completeness, likelihood of achievement or reasonableness of any forecasts, prospective statements or returns contained in this presentation. Such forecasts, prospective statements or returns are by their nature subject to significant uncertainties and contingencies many of which are outside the control of humm group. Any such forecast, prospective statement or return has been based on current expectations about future events and is subject to risks, uncertainties and assumptions that could cause actual results to differ materially from the expectations described. Readers are cautioned not to place undue reliance on forward looking statements. Actual results or performance may vary from those expressed in, or implied by, any forward looking statements. humm group does not undertake to update any forward looking statements contained in this presentation. To the maximum extent permitted by law, humm group and its related bodies corporate, directors, officers, employees, advisers

and agents disclaim all liability and responsibility (including without limitation any liability arising from fault or negligence) for any direct or indirect loss or damage which may arise or be suffered through use or reliance on anything contained in, or omitted from, this presentation. They do not represent or warrant that this presentation is complete or that it contains all material information about humm group which a prospective investor or purchaser may require in evaluating a possible investment in humm group or acquisition of shares in, or securities of humm group.

Jurisdiction

The distribution of this presentation including in jurisdictions outside Australia, may be restricted by law. Any person who receives this presentation must seek advice on and observe any such restrictions. This document is not, and does not constitute, an offer to sell or the solicitation, invitation or recommendation to purchase any securities and neither this document nor anything contained herein shall form the basis of any contract or commitment. In particular, the document does not constitute an offer to sell, or a solicitation of an offer to buy, any securities in the United States. The securities of humm group have not been, and will not, be registered under the US Securities Act of 1933 (as amended) (“Securities Act”), or the securities laws of any state of the United States. Each institution that reviews the document that is in the United States, or that is acting for the account or benefit of a person in the United States, will be deemed to represent that each such institution or person is a “qualified institutional buyer” within the meaning of Rule 144A of the Securities Act of 1933, and to acknowledge and agree that it will not forward or deliver this document, electronically or otherwise, to any other person. No securities may be offered, sold or otherwise transferred except in compliance with the registration requirements of applicable securities laws or pursuant to an exemption from, or in a transaction not subject to, the registration requirements of applicable securities laws.

Investment Risk

An investment in humm group securities is subject to investment and other known and unknown risks, some of which are beyond the control of humm group. humm group does not guarantee any particular rate of return or the performance of humm group securities. humm group makes no representation about the underlying value of the investment opportunity in the company. All amounts are in Australian dollars unless otherwise indicated.

==> picture [98 x 16] intentionally omitted <==

28

HUMMGROUP 2021 ANNUAL GENERAL MEETING // 18 NOVEMBER 2021

THANK YOU

==> picture [98 x 16] intentionally omitted <==

29