Investor Presentaiton

Fast, Efficient and Easy Application Process - 100% Online Ferratum USPS 1 Loan application 2 3 Check Customers credit and ID by Ferratum and via external databases Decision Instant loan decision1 (online, mobile) 4 5 Approval Loan approval by customer (online, mobile) Contract is set Payment Loan payout by Ferratum Invoice via mail 6 Repayment Invoice via post, loan and handling fee payment by customer on due date Customer Actions Target: 15 minutes² Tenor varies across products Note: 1) A large number of loans are not approved and the process is stopped after such credit decision, 2) Subject to local characteristics ferratum 13

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