1

INTRODUCTION

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THE FINANCIAL INDUSTRY HAS A MUCH LARGER PROFIT POOL THAN RECENTLY DISRUPTED INDUSTRIESu 2015 global profits by industry, USD trillion

BANKING AND ASSET MANAGEMENT

1.3 RETAIL SECTOR (1)

0.7COMMUNICATIONS (2)

0.5

PRINTING & PUBLISHING

0.1RECENTLY DISRUPTED INDUSTRIES

(1) Excluding motor vehicles (2) Transmission of sound, images, data or other information via cables, broadcasting, relay or satellite.Source: The Bank of the Future, Miklos Dietz, McKinsey

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MARKETPLACE LENDING IS A MASSIVE GLOBAL TREND BUT STILL ONLY REPRESENTS 2 % OF BANK CONSUMER LENDING

2 % MARKETSHARE+ 100 %

60 BEUR MARKETPLACE CONSUMER LENDING (1)

EU & USA (2) 2016

30 BEUR MARKETPLACE CONSUMER LENDING (1)

EU & USA (2) 2015

(1) Unsecured Consumer Loans (2) Includes the top 5 platforms in EU and USA respectively (estimation of outstanding balances)

3 000 BEUR BANK CONSUMER LENDING

EU & USA (1)

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BANK CONSUMER LENDING IS VIRTUALLY UNTOUCHED BY MARKETPLACE LENDING IN SWEDEN…...but the requisites for its success are very strong

HIGHLY PROFITABLE SEGMENT OF THE MARKET

1) Unsecured Consumer Lending

HIGH-QUALITY CREDIT DATA EASILY AVAILABLE

LOW AND STABLE CREDIT LOSSES

WELL ESTABLISHED INFRASTRUCTURE FOR COLLECTING DEBT

REGULATED MARKET

DIGITAL SOLUTIONS FOR IDENTIFICATION AND PAYMENTS

20 BEUR BANK UNSECURED CONSUMER

LENDING SWEDEN (1)

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WHAT IS LENDIFY?

The leading

ONLINE MARKETPLACE LENDING PLATFORM

in Sweden

Unsecuredconsumer loans

to prime segment

(LOW RISK)

Well capitalized company:

100 MSEKin total equity funding

LICENSEDby the

SWEDISH FSA (Sw. Finansinspektionen)

51a

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CONNECTS BORROWERS WITH INVESTORS

30 EMPLOYEES

3300 ACTIVE INVESTORS

GROWTH (LTM): 267 %NET RETURN (LTM): 6 %

316 MSEK LENT TO BORROWERS

GROWTH (LTM): 1656 %INTEREST RATE (LTM): 10 %

Access to:

INSTITUTIONAL CAPITAL

6

500

1000

1500

2000

2500

3000

3500

DIRECT PAYMENTSTrustly

BACK-UP-SERVICELindorff

BOND ISSUE200 MSEK

Aug 2

017

NUMBER OF ACTIVE INVESTORS GROWING RAPIDLY

1b

3300 ACTIVE INVESTORS

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HOW DOES IT WORK?

LENDIFY´S TRANSPARENT ONLINE PLATFORM

Marketing

Credit Assessment

Contracts

Payments

Customer Service

Compliance, Risk Control & Internal Audit

BANK

LOAN FUNDING (BALANCE SHEET)

LENDIFY

Bank Retail investors

Institutionalinvestors

Marketing

Credit Assessment

Contracts

Payments

Customer Service

Compliance, Risk Control & Internal Audit

2a

Debt Collection Debt Collection

LOAN FUNDING ("PEERS")

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CASH FLOW PLAN

INVESTMENT RETURN OVER TIME

2b

TRANSPARENT ONLINE PLATFORM FOR LENDERS

LIQUIDITY AND INVESTED CAPITAL

ACCOUNTS AND INVESTMENTS

LOAN PORTFOLIO DATA (DURATION,

RISK ETC.)

SUPPORTING SERVICES

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AVERAGE BORROWER AND LOAN CHARACTERISTICS

2c9

44YEARS OF AGE

INCOME

400000 SEK P.A.

CAR PURCHASEHOME IMPROVEMENTDEBT CONSOLIDATION

MARRIED /COMMON LAWS

SIZE 120 000 SEK

INTEREST 10 %

DURATION 8 YEARS

LIVES IN

RURAL AREASEMPLOYMENT PERMANENT JOB

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ASSET CLASS CHARACTERISTICS

2d10

CAPITAL PROTECTED BY

LENDIFY’S PROVISIONAL

FUND

BANKS’ EXPOSURE TO ASSET CLASS

≈ 200 BSEK”OLD”

ASSET CLASS WITH DECADES

OF TRACK RECORD

MONTHLY CASH FLOW

(PRINCIPAL + INTEREST)

UNCORRELATED WITH THE

STOCK MARKET

VARIABLE INTEREST RATE ON UNDERLYING LOANS

NET RETURN (LTM)

6 %

INTEREST RATE (LTM)

10 %NET CREDIT LOSSES (LTM) = 1 %

LENDIFY’S SERVICE FEE = 3 %

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DISTRIBUTION OF: • INVESTORS

• BORROWERS

2e11

JULY 2017

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WHAT DO WE WANT TO ACHIEVE?

312

MARKETPLACE WITH 5 % (20 BSEK)

OF THE NORDIC UNSECURED LOANS MARKET

A HUB THAT OFFERS MULTIPLE TYPES OF LOANS AND CATERS FOR SEVERAL

TYPES OF INVESTORS

< 5 YEARS

< 10 YEARS

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STEN SCHRÖDER

WHO ARE THE PEOPLE BEHIND LENDIFY?BOARD OF DIRECTORS

ERLING GUSTAFSSON (Chairman) JOHN-CHRISTIAN ERIKSSON (Founder)

FREDRIK WALLENBERGMATTIAS LINDROTH HANS WESTIN6a

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JOSÉ CARTRO (CTO)Nordax / Royal Institute of Technology

ERIK WIKANDER (CMO)eDreams ODIGEO, PwC / University of Stockholm

NICHOLAS SUNDÉN-CULLBERG (CEO)Morgan Stanley / Stockholm School of Economics

ERIKA ELIASSON (CIRO)Erik Penser / University of Uppsala

VINCENT KOLB (CCO)Citibank, Marginalen / Stockholm School of Economics

THERESE SVENSSON (CFO)Qliro, PwC / Stockholm School of economics

WHO ARE THE PEOPLE BEHIND LENDIFY?MANAGEMENT TEAM

6b

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WHO ARE THE PEOPLE BEHIND LENDIFY?ORGANIZATION

6c

CEO NICHOLAS SUNDÉN-CULLBERG

+ 2 FTE + 1 FTE + 2 FTE + 8 FTE + 8 FTE

COMPLIANCE

INVESTOR RELATIONSErika Eliasson

FINANCETherese Svensson

MARKETINGErik Wikander

CREDITVincent Kolb

ITJosé Cartro

TECH-EXPERTJohn-Christian Eriksson

RISK CONTROL INTERNAL AUDIT

MANAGEMENT TEAMCONTROL FUNCTIONS

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