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Investor Presentaiton

Growth driven via the Platform Model Global scalability beyond Ferratum's balance sheet: multiple sources of revenue רל Mobile Financial Platform Model A channel agnostic, flexible customer interface White Label Partners and back-end data engine, supported by a decision making centre and an API integration channel to process third party data: ✓ Fees ✓ Cheap funding sources ✓ Interest on lending products Mobile Financial Platform Ferratum Operating System 1.0 以上 ✓ Current accounts ✓ Deposits ✓ Loans Debit Card Payments Innovation and Widget Partners ☑ Innovation and Widget Partners An ecosystem of services through the integration of third party products and services: ✓ Fees and/or profit sharing ✓ More attractive products Increased customer loyalty International Bank Partners White Label Partners Ferratum's technology and licence platform enables consumer-facing brands to offer financial services: ✓ Fees and/or profit sharing Cheap funding sources ✓ Increased customer base International Financial Partners A franchise model that combines Ferratum's plug and play Mobile Financial Platform and our partners' balance sheets ✓ Fees and/or profit sharing ✓ Access to more markets and customers ferratum 18
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