Investor Presentaiton

Product Offering per Market Western Northern Rest of the World Eastern Europe Europe Europe Microloan PlusLoan Credit Limit ✓ SME Mobile Bank Primeloan P2P ✓ Product area Finland Sweden Denmark Norway France Germany Netherlands Spain UK Bulgaria Croatia Czech Republic Estonia Latvia Lithuania Poland Romania Russia Slovakia Australia Brazil Canada Mexico New Zealand Nigeria ✓ ✓ ✓ Live markets 13 9 10 9 5 2 Notes: P2P offering discontinued in 2018 - to be restructured and relaunched in 2019 0 ferratum 30

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