Managing risk and the Provision Fund

Contents

‍Chapter 1: Managing risk
Chapter 2: How it works
Chapter 3: Investment risks

Chapter 1

Managing risk

We do the heavy lifting to protect your investment

We only lend to creditworthy borrowers

Every borrower must pass our comprehensive credit screening processes when applying for a personal loan, car loan or renewable energy loan. Our in-house credit team uses a combination of innovative technologies and traditional resources (such as credit bureau information) to assess each borrower’s credit risk.

We handle the credit analysis so you can be confident that your funds are being matched to creditworthy borrowers.

The Provision Fund may help protect your investment

While we only match investor funds with loans to creditworthy borrowers, we appreciate that in some circumstances borrowers may be unable to repay their loans. That’s why we set up the Provision Fund, a pool of funds held in cash by a separate trustee, designed to protect investors in the event a borrower misses a payment or defaults.

Chapter 2

How it works

The Provision Fund is designed to reduce the risks of consumer lending

The Provision Fund has ensured that no investor has ever lost a cent of principal or interest.*

All borrowers pay an amount into the Provision Fund

This amount is determined by the borrower’s risk profile, the loan amount and the loan term. A greater risk requires a higher contribution.

The Provision Fund can reimburse investors to protect against loss.

Plenti may make a claim on behalf of the investor where a loss is incurred due to a borrower late payment or default.

Chapter 3

Investment risks

What are the risks associated with investing with Plenti?

As with every investment, investing in the Plenti Lending Platform (ARSN 169 500 449) is not without risk.

Below we summarise the key investment risks for the Flex Market, Plus Market and Green Market.

For more information on the risks specific to the Notes Market, please see the Notes Market investment risks page.

You should refer to our Product Disclosure Statement and the relevant Supplementary Product Disclosure Statement for a more detailed description of the key investment risks, as well as a description of other significant fund-specific risks, other significant lending-specific risks, other significant business lending-specific risks, and other significant general risks.

Borrower late payment or default

A borrower or series of borrowers to whom your funds are lent may delay or stop payment on a loan or default on a loan. You may be protected by Plenti making a claim to the Provision Fund, however, there is no guarantee nor warranty as to any protection from the Provision Fund, and as such you may suffer financial loss as a consequence of borrower late payment or default.

No Provision Fund protection

We may make a claim to the Provision Fund to compensate you in the event that the Note Purchase Trust is late in making an interest or principal payment or it defaults on its loan. However, the Provision Fund is not an insurance product and we cannot guarantee or warrant that you will be compensated. No deposit guarantee: Your investment is not a deposit and does not have the benefit of depositor protection laws as it would have if it were an amount deposited with an Australian ADI.

Assignment of your loan

If a borrower to whom your funds are matched defaults on a loan and you are not fully compensated by the Provision Fund, Plenti may assign that defaulted loan to a third party, such as a collections agency, for an amount it is able to negotiate or the Provision Fund for $1. Once a loan has been assigned, you may not benefit from any recoveries that may then be made from that borrower. Further information on the assignment of loans is provided in Section 8.2 of the Product Disclosure Statement.

View all risks

‍

*The Provision Fund buffer is the sum of money held in the Provision Fund and the expected Provision Fund future inflows from outstanding loans due over the lifetime of loans, adjusted to reflect expected early repayments, payment holidays and bad debt. Whilst we’re extremely proud of the Provision Fund’s 100% track record, it is not a guarantee of future performance. Capital is at risk. Read the Product Disclosure Statement for more information.

Important information*

This information does not constitute financial advice and you should consider whether it is appropriate to your circumstances before you act in reliance on it. Any opinions, forecasts or recommendations reflect the judgement and assumptions of Plenti as at the date of publication and may later change without notice.

Plenti Lending Platform

* Terms and conditions apply. The "Earn up to" rate represents the interest rate limit for each lending market with the maximum lending rate of 8.0% p.a. being for the Plus Market. Rates are not set by Plenti and are subject to the supply and demand of borrower and investor funds in each market.

^ Data as at 30 June 2025. Certain payments to investors may not have been processed as at the date of extracting this data. This data is updated quarterly.

Lender rates may assume payments received are continually reinvested at the stated rate and assume your investment is protected by the Provision Fund in the event of any borrower late payment or default, however, there is no guarantee nor warranty as to any protection from the Provision Fund. The availability of the early access transfer feature is at Plenti's discretion. Fees and charges apply. Capital at risk. See the PDS for details.

All figures stated represent the Plenti Lending Platform (ARSN 169 500 449) only unless stated otherwise.

Acknowledgement of Country

Plenti respects and honours Aboriginal and Torres Strait Islander Elders past, present and future. We acknowledge the stories, traditions and living cultures of Aboriginal and Torres Strait Islander peoples on this land and commit to building a brighter future together.

We recognise the Gadigal people of the Eora Nation, who are the traditional custodians of the land on which Plenti’s Sydney office stands, and the Kaurna people as the traditional owners of the Country where our Adelaide team is located.