Investor Presentaiton

Summary of Main Terms Issuer Status Tenor Initial issue volume Subsequent issue volume Credit rating Coupon / Pricing Use of proceeds Guarantor Call structure (American) Undertakings Change of control / De-listing (Guarantor) Listing Ferratum Capital Germany GmbH Senior unsecured 4 years Up to EUR 100 million EUR 50 million, increasing the outstanding amount to maximum EUR 150 million ■ Guarantor: BB- (stable), Fitch Ratings Bond: BB- (expected), Fitch Ratings 3 month Euribor + [•] % p.a., quarterly interest payments. Euribor floor at 0% Repay existing bonds of EUR 25m and general corporate purposes Ferratum Oyj Callable @ 101.00% after 36-42 months and @ 100.50% after 42-48 months Maintenance covenants: Net debt/ equity ≤ 3.50 (for Group) Negative Pledge Put at 101% of par Cross default Dividend restriction: ▪ 25% of previous year's net profit of the Group Frankfurt Stock Exchange Open Market, on or about issue date Nasdaq Stockholm, within 30-60 days after issue date Frankfurt Stock Exchange Prime Standard (provided volume requirement is met, best efforts basis) Swedish law and Nordic Trustee and Agency Jurisdiction and agent Sole Bookrunner Pareto Securities Note: Please see Term Sheet for details ferratum 5

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