Investor Presentaiton

Ghana: Digital Strategic Initiatives 3,089 1016 2,626 962 2,738 927 2,759 959 Oct-19 Nov-19 Total disbursed digital deals (originated by tablet) Remotely originated loans: target vs. actual performance Dec-19 Jan-20 1 # of Active agents Digitally originated loans: target vs. actual performance 79.83% 75% 78.95% 70% 65% 62% 76.61% Oct-19 Nov-19 Dec-19 % of loans originated remotely 67% Oct-19 Nov-19 Dec-19 Jan-20 Jan-20 % of loans originated digitally Source: Warehouse data for all metrics except remote originations, which are reported by country Strictly Private & Confidential 12 12

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