P2P Group offering SME, short & long term consumer financing 1 - PowerPoint PPT Presentation

P2P Group offering SME, short & long term consumer financing 1

Disclaimer This presentation has been prepared by TrustBuddy International AB ( “TB” or “TBDY” ) in connection with the application for admission of a further issue of ordinary shares of TB (the "Ordinary Shares" ) to trading on the First North Exchange, a market operated by NASDAQ OMX and a placing of Ordinary Shares of TB (the "Placing" ). This presentation has been prepared solely to provide a basis for potential investors to consider whether to pursue an acquisition of Ordinary Shares in TB. This presentation does not constitute a prospectus or admission document relating to TB, nor does it constitute or form part of any offer or invitation to purchase, sell or subscribe for, or any solicitation of any such offer to purchase, sell or subscribe for, any securities in TB nor shall this presentation or any part of it, or the fact of its distribution, form the basis of, or be relied on in connection with, any contract therefor. Persons who wish to subscribe for Ordinary Shares pursuant to the Placing are reminded that any such subscription should only be made on the basis of the information contained in the announcement to be published in connection with the Placing and not on the information contained in this presentation. No reliance may be placed, for any purposes whatsoever, on the information contained in this presentation or on its completeness and this presentation should not be considered a recommendation by TB, its advisers or any of their respective affiliates in relation to any subscription for securities of TB. No representation or warranty, express or implied, is given by or on behalf of TB or any of its respective directors, partners, officers, employees, advisers or any other persons as to the accuracy, fairness or sufficiency of the information or opinions contained in this presentation and none of the information contained in this presentation has been independently verified by any other person. In particular, certain information has been provided by Prestiamoci and Geldvoorelkaar and not all of that information has been subject to independent verification by TB. Save in the case of fraud, no liability is accepted for any errors, omissions or inaccuracies in such information or opinions. This presentation is being made and is directed only at (i) persons having professional experience in matters relating to investments, i.e. investment professionals within the meaning of Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, as amended (the "FPO" ), (ii) persons in the business of disseminating information within the meaning of Article 47 of the FPO and (iii) high net-worth companies, unincorporated associations and other bodies within the meaning of Article 49 of the FPO, and (iv) persons to whom it is otherwise lawful to make the presentation. The investment or investment activity to which this presentation relates is available only to such persons and will be engaged in only with such persons. Persons who fall outside categories (i) - (iii) above must check that they fall within category (iv). If they do not, they may not attend this presentation. Any person who does not fall within categories (i) - (iv) above may not rely on or act upon the matters communicated at this presentation. Any person falling outside categories (i) - (iv) who has received any document forming part of this presentation must return it immediately. Neither this presentation nor any copy of it may be (i) taken or transmitted into the United States of America, (ii) distributed, directly or indirectly, in the United States of America or to any US person (within the meaning of regulations made under the Securities Act 1933, as amended), (iii) taken or transmitted into or distributed in Canada, Australia, the Republic of Ireland or the Republic of South Africa or to any resident thereof, or (iv) taken or transmitted into or distributed in Japan or to any resident thereof. Any failure to comply with these restrictions may constitute a violation of the securities laws or the laws of any such jurisdiction. The distribution of this document in other jurisdictions may be restricted by law and the persons into whose possession this document comes should inform themselves about, and observe, any such restrictions. This presentation is being made on the basis that the recipients keep confidential any information contained herein or otherwise made available, whether orally or in writing, in connection with TB. This presentation is confidential and must not be copied, reproduced, published, distributed, disclosed or passed to any other person at any time without the prior written consent of TB. Any person attending this presentation should seek their own independent legal, investment and tax advice as they see fit. November 2014 2

TrustBuddy – creating a leading diversified P2P platform Introduction New TrustBuddy post acquisitions GVK acquisition Prestiamoci acquisition Current trading & update Summary Appendix 3

TrustBuddy – creating a leading diversified P2P platform • TrustBuddy acquiring two European P2P companies* – Geldvoorelkaar , SME, Netherlands – Prestiamoci , long-term consumer loans, Italy • Group Strategy – Diversified product mix: Consumer short-term; Consumer long-term (LTP); SME – Improved regulatory position - acquire a license for all EEA markets – Become market leader in existing markets for all three products – Enhance the SME and LTP lending platforms by using TB’s developed platform – Utllise the infrastructure TB has today to scale up Revenue from the two new products • Acquiring Geldvoorelkaar ( GVK): EUR10.6m (Cash EUR3m / EUR4m shares / EUR3.6m vendor loan) – Growing revenue base: 2014e – EUR1.6m, with c80% 2014-16 CAGR from Netherlands alone – Profitable : 2014e - 49% EBIT margins / EUR0.7m in EBIT (source: Management accounts, unaudited) – SME product : Group to take SME lending into existing Nordic territories – Management: experienced team in SME segment • Acquiring Prestiamoci – conditional on PSD licence : EUR5.3m (Cash EUR1.5m / balance in shares) plus TrustBuddy warrants – Regulatory: Path to PSD licence approval; opening the door to pan-European rollout – Long term product: Group to take long-term consumer lending into existing Nordic territories – Management: experienced financial services team – Potentially sizeable New market: Italy • Board considering equity raise along with other financing options – Indications of support received from existing and new investors *Acquisitions remain subject to the satisfaction of certain conditions. In particular, the acquisition of Prestiamoci is conditional upon receiving a PSD license. 4

TrustBuddy – In Brief … TrustBuddy – [recent] News … • • 22nd of May 2014 The world's largest P2P short term lender – – Q114: +52% Net Revenues, +88% Loan origination, 190m SEK lent out A diversified international p2p group • Three products following the acquisition of Geldvoorelkaar & • 2nd of June 2014 • – Prestiamoci TBDY shares becomes part of MSCI Micro Cap Index – Consumer loans short-term; 30 day loans, EUR50 – 600 • 9th of June 2014 – Consumer loans long-term;1 to 60 months, EUR1,000-30,000 – TB launches new Generation Platform / new [SMART] Website – SME, 12 to 80 months, EUR1,000 to 1,000,000 • 30th of June 2014 – • TB announces its intention to launch Long-Term P2P across markets The world's only listed diversified P2P lending company – TBDY SS, Stockholm Stock Exchange • 1st of July 2014 – TB announces its first significant Institutional Investor • Lending volumes – c.EUR90m 2014 YTD proforma* – TrustBuddy was initially declined for a credit facilitator license – Consumer loans short-term: EUR70.0m • 21st of August 2014 – SME: EUR17.0m – Q214: +31% Net Revenues, +50% Loan origination, 207m SEK lent out – Consumer loans long-term; EUR0.2m • 25th of September 2014 • Revenue – c.EUR11m 2014 YTD proforma* – TB announces it ’ s a complete new board – Consumer loans short-term: EUR9.6m – CEO will enter a new role within TrustBuddy – SME: EUR1.1m • 13th of October 2014 – Consumer loans long-term; EUR0.01m – TB announces the merger of TrustBuddy International and TrustBuddy AB • Local presence in 10 countries, following completion of – Create a simpler structure acquisitions • 12th of November 2014 – Sweden, Norway, Denmark, Italy, Netherlands, Finland, Estonia, – TB announces conditional acquisitions of Geldvoorelkaar and Prestiamoci Poland, Spain and UK – New diversified P2P group *Source: Management accounts, unaudited to end Q3 2014 5

TrustBuddy – creating a leading diversified P2P platform Introduction New TrustBuddy post acquisitions GVK acquisition Prestiamoci acquisition Current trading & update Summary Appendix 6

Becoming a leading diversified peer-to-peer group + Diversified P2P Lending Platform across Europe + Higher revenue visibility/reduced regulatory Revenues 2015e* risk Revenue Mid-term Target* 15% 35% 35% Short-term Loans Short-term loans Long-term Loans Long-term loans 9% SME SME loans 76% 30% • Estimate / target revenues are indicative only and are based on management forecasts and certain assumptions, including completion of the acquisitions . The actual revenues in the relevant periods may differ materially from those set out above and investors should have no expectation that actual revenues will be the same as, or similar to, the estimates and targets. 7