Investor Presentaiton

11 Other Strategic Fintech Partners BORGO IN BRIEF STRONG DISTRIBUTION NETWORKS JOINING FORCES Fully operational company Scalable platform Ot Technology Dreams Products Solutions Expertise Distribution with track-record ICA Banken ΙΚΑΝΟ BANK SBAB historical mortgage provider and discontinued given capital constraints at the state-owned bank Söderberg & Partners Short term both Skandia and Bluestep Bank act as mortgage providers, but not perceived as sustainable long term ÅLANDSBANKEN Has been offering own mortgages in the Swedish market since 2009, expected to benefit from the ability scale up in the partnership, funding wise and operationally Sparbanken Syd Full-service bank, established in 1827, with existing distribution through SBAB and own balance sheet Seasoned management team and organisation With a vision to transform the mortgage market by creating a new financial institution, combining modern technology with responsible lending principles managing cost of funding, efficient capital structure, credit and liquidity risk Financially strong partners, investors and experienced board of directors Supporting the company financially and through industrial experience with a long-term perspective Modern platform with high degree of automation Allowing Borgo to build economies of scale and distributors to focus on sales, customer relationships and service Partnerships with distributors and service providers Proven IT-systems, payment services, credit administration processes and treasury support - at variable cost based on mortgage volume Engagement banking powered by behavioural science Make banking emotional to drive engagement and revenue in your digital applications Proven historical distribution capacity Pure-play mortgage company with distribution, access to capital market funding and organisation in place Legacy-free and scalable platform with benefits from outsourced back-and front-end Borgo ÅLANDSBANKEN Going our own way

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