INVESTOR PRESENTATION Capital Service S.A. owner of brands: JULY - PowerPoint PPT Presentation

INVESTOR PRESENTATION Capital Service S.A. owner of brands: JULY 2017

2 Sales channels: branch appearance..................................................................17 Auditor’s report on selected loans portfolio....................................28 Appendix: Appendix: Auditor’s opinion on financial statement.......................................27 Appendix: Balance sheet and cash flow...........................................................26 Appendix: Profit and loss account.....................................................................25 Contact.....................................................................................................................24 Current financing structure and amounts........................................................23 Financial highlights................................................................................................22 Innovative technology..........................................................................................21 Sales channels: agents and brokers..................................................................20 Sales channels: on line..........................................................................................19 Sales channels: call centre...................................................................................18 Sales channels: branch network.........................................................................16 Table of contents Management...........................................................................................................15 Organizational structure.......................................................................................14 Business process...................................................................................................13 Our products............................................................................................................12 Market (non-bank lending)..................................................................................11 Regulations.............................................................................................................10 Our customers........................................................................................................8 Our capital group structure..................................................................................7 Our business story................................................................................................6 Our values...............................................................................................................5 Who we are?...........................................................................................................4 Disclaimer................................................................................................................3 and internal control system

3 Disclaimer > This document (the “Presentation’’) has been prepared for the sole purpose of use with prospective investors and business partners, and other stakeholders. Capital Service S.A., together with its subsidiaries, is further referred to herein as the “Company” , or “Loan Originator” . > This Presentation is of a selective nature and is made to provide an introduction and overview of the Company’s business. This Presentation does not purport to contain all the information that a prospective investor or business partners or other stakeholder may require in evaluating the Loan Originator. The potential stakeholder should read publicly available information regarding the Loan Originator and the full Financial Statements of the Company, as well as the sample loan agreement that the Loan Originator uses in its relations with borrowers, or get information directly from the Company. > This Presentation contains forward-looking information that may involve risks and uncertainties concerning the Company’s growth and profjtability in the future. No reliance should be placed on any statements, estimates and projections regarding future performance or developments, including, without limitation, in relation to expected market developments, estimated fjnancial fjgures of the Company, or any other forward-looking statements. Actual events or results may materially difger from those described in this Presentation. No one should therefore unduly rely on these forward-looking statements as they refmect only the judgment of the Company’s management at the date of this Presentation and are not intended to give any assurances or comfort as to future results. The facts and information contained in the Presentation might be subject to revision in the future. Neither the delivery of this Presentation nor any further discussions of the Company with any of the recipients shall, under any circumstances, create any implication that there has been no change in the afgairs of the Company since that date. > Neither the Company nor any of its parents or subsidiaries, or any of their directors, offjcers, employees and advisors, nor any other person (I) accepts any obligation to update any information contained herein or to adjust it to future events or developments; (ii) makes any representation or warranty, express or implied, as to the accuracy or completeness of the information contained in this Presentation; (iii) shall have any liability whatsoever, in negligence or otherwise, for any loss howsoever arising, directly or indirectly, from the use of this Presentation. > This Presentation does not constitute any kind of ofger or an invitation for the transfer of receivables resulting from the loan agreement in any jurisdiction, and neither this document, nor anything contained herein, shall form the basis of, or be relied upon in connection with any contract or commitment whatsoever. > All data are presented in millions of Euro, unless otherwise stated. Data for the years 2014-2016 were audited.

Who we are? 4 all data below for the 30.06.2017: 400+ 61K+ 29% experienced active clients Loans granted employees from January to June 2017 EUR 110 EUR 475 EUR 20,17 m average amount average amount of payday loan of installment loan 71% 83,821 12 months average period of number of loans originally established in 1999 installment loan issued 11% 2nd largest branch network of loan orginator in Poland all data below for the year 2016: Active portfolio EUR 4.9m 110 one of the leading non-bank fjnancial institutions of loans as at in Poland 30 June 2017 equity branches EUR 13,7 m EUR 18.2m EUR 3.0m 89% revenue EBITDA payday loans installment loans

Our values 5 Mission To provide customers with simple access to cash, quickly, conveniently, at any time, any place, at reasonable cost Key success factors experienced, competent fully integrated customer in house IT diverse fjnancing multi-channel distribution and diverse management service processes (a mix of traditional team and modern channels) > network of branches (110) > call center (40+ FTE) > on line > intermediaries: agents, brokers decisions accuracy effjciency, speed, independence, fmexibility, security (3000+ POS) convenience agility scalability

6 Our business story Introduction of Expansion of the external bank and network to 110 insurance branches products 25 Beginning Installment loans cooperation with product launched Revenue / Portfolio; EURm brokers 20 Transformation Bond issue into a joint-stock (> EUR 10M) company 15 Loan over Payday loans telephone (voice Call center product loans) product established launched launched 10 Online lending First “brick” platform branch opened launched 5 0 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

7 Our capital group structure CAPITAL SERVICE S.A. CAPITAL SERVICE KOMTOD BRAND MANAGEMENT FINLO Sp. z o.o. LIFT CREDIT Sp. z o.o. Sp. z o.o. SKA Sp. z o.o. The Company servicing non-performing loans. FINLO is a fjntech company providing non-banks products The company was Unit operating in the fjeld for intermediary channels, i.e. established in connection of marketing strategy, Currently, the company has agents, brokers and online. with the planned separation trademarks and other no operational signifjcance. FINLO is technology driven, of the Sales Department from intellectual property. CAPITAL SERVICE and transfer delivers customer-centric products and usable processes. this part of CAPITAL SERVICE to the limited company.

8 Our customers 21-30 66+ 31-40 5% 15% male 18% 29% 61-65 13% Gender Age Polish population basic data: female 23% > The population of Poland 38.43mln 1 71% 41-50 26% > Households savings rate 1.60% in Poland 51-60 vs. in the EU 10% 2 primary > The median of salary is 744 EUR 3 education other higher retirement / > Almost 34% surveyed household declared agriculture eduaction 4% pension banking the use of loans 4 4%3% 7% > The at risk of poverty or social exclusion transport 28% 28% customer profjle 5% rate in Poland is 23.4% vs. in the EU 23.7% 5 Types of administration / Education employment 17% education 48% other business 18% 20% 7% secondary 6% education 3% 11% trade vocational architecture education industry Source: Source of 1 Central Statistical Offjce of Poland, 2015 49% income 2 Polish National Bank, 2015 contract of 3 Eurostat, 2015 42% employment retirement / 4 The Social Diagnosis, 2015 pension 5 Eurostat, 2015