I confirm the data reported is accurate.

Signed: Livia van Strydonck, Group Chief Operating Officer

I confirm the data reported is accurate.

Signed: Darren Carlile, Chief Operating Officer

This document sets out the UK Tax Strategy of Lendable Operations Ltd and its UK subsidiaries (together, “Lendable” or the “Group”) for the financial years ending 31 December 2025 and 2026. The 2026 Strategy was approved by the Chief Executive Officer on 14 September 2026 and remains available until superseded.

Lendable regards its publication as complying with the duty under Paragraph 16(2) of Schedule 19 to the Finance Act 2016.

Introduction

Lendable is a leading provider of personal finance, harnessing technology and data to provide hassle-free and customer friendly solutions, such as personal loans, credit cards and car finance to customers in the UK, US and Mexico.

The Group’s operations are subject to a range of taxes, including Corporation Tax, VAT, Withholding Taxes, Stamp Taxes and Employment Taxes, including those collected and remitted on behalf of employees (e.g. PAYE / NIC).

Lendable is committed to managing its tax obligations with integrity and transparency, acting responsibly and maintaining trust. The Group strives to ensure compliance with all applicable tax laws and regulations.

Lendable recognises that the management of its tax affairs is an important part of its overall responsibility to various stakeholders, including customers, regulators, and the communities in which it operates.

Governance and Risk Management

The Board of Directors have overall responsibility for Lendable’s UK tax strategy and governance. Day-to-day responsibility is delegated to the Chief Financial Officer based in the UK, who provides updates to the Board of Directors on significant tax matters.

This governance structure ensures that:

• Tax compliance status is monitored;
• Material tax risks are identified and managed; and
• Tax decisions align with the Group’s overall risk management framework.

Lendable maintains internal controls, policies, and procedures to manage tax risk. The Group’s processes are overseen by experienced professionals within the Finance team, supported by reputable external advisers where necessary. The UK tax strategy is reviewed annually.

Approach to Tax Planning

Lendable’s approach to Tax Planning is aligned with its commercial and economic realities. The Group does not engage in artificial arrangements in order to gain a tax advantage.

Any tax planning undertaken supports genuine business operations; reflects the intentions of underlying tax legislation; and seeks to utilise the tax reliefs to which the Group is entitled in a responsible manner. Transactions between Group companies are conducted on an arm’s-length basis, consistent with the OECD Transfer Pricing Guidelines.

Independent, professional advice is obtained for complex or uncertain tax matters in order to mitigate risk and maintain compliance.

Tax Risk Appetite

Lendable adopts a low-risk approach to tax and does not take positions that could give rise to material uncertainty, reputational risk, or tax outcomes that are inconsistent with its underlying commercial activity.

The Group aims to:

• Proactively identify and manage tax risk;
• Ensure tax positions are supported by appropriate advice and documentation; and
• Monitor developments in its business activities, as well as tax legislation and prevailing practices, to ensure procedures remain appropriate.

Relationship with HMRC

Lendable is committed to maintaining a transparent, cooperative, and professional relationship with HMRC. The Group:

• Engages openly and constructively with HMRC;
• Discloses relevant information in a timely manner; and
• Seeks to resolve any disputes promptly and respectfully.