MoneyMe : EGM Addresses and Presentation

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ASX Announcement

1 February 2022

EGM Chair and CEO addresses and presentation

MoneyMe Limited (ASX: MME) (MoneyMe) attaches the Chair and CEO addresses and accompanying presentation to be made at MoneyMe's Extraordinary General Meeting which will be held via online platform at 11.00am today (Sydney time).

Authorised on behalf of the MoneyMe Board and Disclosure Committee by Clayton Howes, Managing Director & CEO.

ENDS

For further information please contact:

Managing Director and CEO	Chief Financial Officer	Company Secretary
Clayton Howes	Neal Hawkins	Jonathan Swain
[e-mail]	[e-mail]	[e-mail]

For general investor enquiries, please email [e-mail]

About MoneyMe

MoneyMe is a leader in innovation with its own technology (Horizon Technology Platform) and AI to deliver highly automated innovative credit products and customer experiences.

MoneyMe originates through a diversified mix of credit products and distribution channels to create significant scale and long-term customer advantages. Our automotive finance, personal loans, revolving line of credit and at point-of- sale instalment products are for credit approved customers who are seeking simplicity, fair pricing and flexibility.

Our technology platform enables applications to be completed and checked within minutes, security to be established, funds to be disbursed, or credit limits to be available, to the customer shortly after approval.

MoneyMe is an ASX-listed, licensed and regulated credit provider operating in Australia.

MoneyMe (ASX: MME) | Level 3 / 131 Macquarie Street, Sydney NSW 2000 ACN 636 747 414 | moneyme.com.au

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MONEYME LIMITED

EXTRAORDINARY GENERAL MEETING - FORMAL SCRIPT

11.00 AM, TUESDAY 1 FEBRUARY 2022

Chair's Welcome Address - Peter Coad

Good morning Ladies and Gentlemen, and welcome to this Extraordinary General Meeting of shareholders of MoneyMe Limited.

I am Peter Coad, the Chairman of the Board, and I would like to thank you all for attending our online meeting this morning.

As this meeting is being held virtually with shareholders present in many locations, I would like to acknowledge the Traditional Owners of the country on which we are each present and recognise their continuing connection to land, waters and culture. We pay our respects to their Elders past, present and emerging.

It is 11.00 am Sydney time, the nominated time for the meeting. As a quorum is present, I am pleased to declare the meeting open.

The notice of meeting was made available to shareholders and lodged with the ASX on 22 December 2021 and I propose to take the notice as read. Shareholders were also sent a Voting Form for the meeting.

A Virtual Meeting Online Guide was also made available to shareholders. This provides instructions on how to ask questions and vote at this meeting through

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the Online Platform and how to ask questions via our telephone line. I will remind shareholders of the arrangements for questions and voting when we get to the formal business of the meeting.

If you lose connection to the meeting at any time, you can log back into the Online Platform by returning to the Log In page and following the prompts. You will then receive an automated email with a recovery link for you to click on, to re-connect to the meeting. Alternatively, please call our share registry provider, Link Market Services on 1300 554 474 for assistance.

If we experience any technical issues today, a short recess or an adjournment may be required to resolve those issues. If this occurs, I will advise you accordingly.

During today's meeting, you will also hear from Clayton Howes, our Managing Director and Chief Executive Officer. My fellow Non-Executive Directors, Susan Wynne, Scott Emery and Jon Lechte are joining the meeting via the Online Platform. We are also joined today by:

• Neal Hawkins, our Chief Financial Officer; and
• Jonathan Swain, our Company Secretary.

The agenda for today's meeting is set out in the Notice of Meeting. Before we proceed to considering the formal resolutions, Clayton Howes, our Managing Director and CEO, will give a short address providing background to the proposed acquisition of SocietyOne, which was announced to the ASX on 17

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December 2021 and which is the primary reason why this meeting has been called.

CEO's Address - Clayton Howes

Thank you Peter, and good morning everyone. I am delighted to speak to you today, and provide you with a short background to the proposed acquisition of SocietyOne by MoneyMe which combines two of the most widely recognised consumer credit disruptors to boost revenue, customer and profit growth.

As summarised on page 3, the strategic value from the proposed transaction is immense, delivering a powerful combination of SocietyOne's strong brand recognition and high value customer base with MoneyMe, and leveraging our leadership in product innovation, execution efficiency and customer experience through our proprietary technology platform, Horizon.

SocietyOne increases our scale, and distribution, through complimentary direct and broker distribution capabilities, as well as increasing customer data, and more funding advantages.

The combined business will accelerate the Group's pace of winning market share from incumbent lenders, with scale advantages and winning customer experiences.

As outlined on page 4, the proposed transaction also reflects a highly complementary combination of these two leading digital consumer lenders in Australia.

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SocietyOne is a pioneer and leading brand in disruptive consumer lending with a strong track record of attracting customers with an average age of 45, using mostly traditional distribution channels.

MoneyMe is a leader in innovation with its own technology, Horizon, and AI that delivers highly automated innovative credit products and customer experiences to a younger customer group using mostly direct and digital distribution and multiple products.

As announced on 17 December, the combination delivers key benefits for the business model:

1. Significant operating leverage through increased scale, as the SocietyOne business is migrated to MoneyMe's Horizon platform. MoneyMe's loan book size increases by 72%, pro forma
2. A material cost synergy opportunity of $17m per annum in pre-tax cost synergies, by removing duplicate functions, systems, premises, processes and an incremental opportunity to lower funding costs through accelerated securitisation.
3. A large revenue synergy opportunity of $15m per annum pre-tax, from providing SocietyOne's customers access to MoneyMe's diverse product suite and a far superior customer experience using the Horizon platform that will reduce time of cash into your account from 1-2 days to 1-2 hours.

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