MoneyMe : AGM Addresses and Presentation

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ASX Announcement

23 November 2021

AGM 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 Annual 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.

MoneyMe's 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

2021 ANNUAL GENERAL MEETING - CHAIR AND CEO ADDRESSES

11.00 AM, TUESDAY 23 NOVEMBER 2021

Chair's Address

Good morning Ladies and Gentlemen, and welcome to the 2021 Annual General Meeting of MoneyMe Limited.

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

We are pleased to be able to provide our shareholders the opportunity to participate in our AGM in a way that is safe and responsible in light of the ongoing pandemic. We are very hopeful that the recent easing of restrictions will continue and we will be able to host our shareholders in person at next year's AGM.

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.

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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 20 October 2021 and I propose to take the notice as read. Shareholders were also sent a Proxy Form for the Meeting.

A Virtual Meeting Online Guide providing instructions on how to ask questions and vote at this meeting through the online platform and how to ask questions via our telephone line, was also made available to shareholders. 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 AGM 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 AGM. 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.

Joining me here in Sydney today are:

• Clayton Howes, our Managing Director and Chief Executive Officer;
• Neal Hawkins, our Chief Financial Officer; and

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• Jonathan Swain, our Company Secretary.

My fellow Non-Executive Directors Susan Wynne, Scott Emery and Jon Lechte are joining the meeting via teleconference, and you will hear from each of Susan and Scott later in the meeting.

Mark Stretton, the Audit Partner from our Auditor, Deloitte, is also on the line and will be available to answer questions from shareholders at the appropriate time in the meeting.

The agenda for the formal part of today's meeting is set out in the Notice of Meeting. Before we proceed to the formal part of the meeting, I will give a short address, and you will then hear from Clayton Howes, our Managing Director and CEO.

I will now make some brief comments about the company's mission, strategy and corporate governance framework before handing over to Clayton, who will take you through the Group's recent performance, its products and outlook for accelerating growth and returns.

MoneyMe is a digital credit business leveraging technology and analytics to deliver highly automated and innovative products to customers who are seeking simplicity, convenience, flexibility and fair credit in a digital world.

The business is well on its way towards achieving its mission to be The Favourite Credit Partner for Generation Now, with FY21 being another successful period for the company. The growth and efficiency outcomes from

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the year are remarkable with robust underlying profitable growth alongside rapid expansion.

The Group issued its inaugural Sustainability Statement as part of the FY21 Annual Report which provided an opportunity to formally recognise our success in these areas and communicate our plans to further progress our ESG agenda with focus and purpose. I strongly encourage all shareholders to review the report in detail.

MoneyMe is proud of its Environmental, Social and Governance (ESG) approach and achievements to date with a strong commitment from the Board and management team to continue with a focus of building profit with purpose.

The Group's digital approach, enabled by its proprietary technology platform, Horizon, has ensured that it has been close to business-as-usual throughout the COVID-19 pandemic. The Group has been able to continue to seamlessly deliver market leading customer satisfaction and service levels with credit settings calibrated to the environment.

Our digital operating model and proprietary technology platform, the combination of current and planned new products, expanding distribution opportunities, a lower cost of funds and proactive credit risk management will enable the business to continue to achieve strong financial performance from an increasingly diversified customer base. The Group is set to maintain its current focus on the opportunities for growth.

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