Investor Presentaiton

Acquisition Strategy Strong Networking of Customer and Platform ■ To attract new customers, the Group primarily employs online marketing such as: ■ Search engine marketing (SEM) Search engine optimization (SEO) ■ Affiliate online partners marketing ■Loan brokers ■ Social media ■ To a lesser extent, the Group also engages in offline marketing through television, radio and newspaper advertisements ■ Websites constructed and optimized to convert maximum of demand into loan applications ■ Customer satisfaction creates repeat business and referrals Easy and simple to use services in combination with focus on customer service functions ■ Customer are generated through online and offline marketing as well as repeat business Creating Demand ■TV, Radio, Outdoor Branding, PR Sponsoring Collecting Demand SEO, SEM ■ Affiliates & Brokers Referral Program 1 Active Demand Searching for banking related services Referrals 0 mm 4 Repeat Business 3 Converting Demand Retention / Loyalty (S) ferratum 14

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