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Investor Presentaiton

SME and PrimeLoan expands the offering to longer- term solutions & higher customer lifetime value Digital lending - product category evolution PRODUCT: SME Primeloan Credit Limit Plus Loan Microloan LOW LOAN AMOUNT SOLUTION: HIGH HIGH APR LOW LONG All products are based on the same principles: Full digital setup and high user convenience, real-time, paperless MATURITY SHORT SME - Business loan offering for small and medium size companies PrimeLoan introduced in two countries, supports entering bigger mass markets with lower pricing Credit Limit and Plus Loan continue to be main growth drivers short term MicroLoan strategically utilized primarily as a product to enter new markets ferratum 11

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