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SeeThruEquity & The Brewer Group Investor ConferenceFebruary 22, 2016

powering global commerce

www.netelement.com 2

Net Element | DisclaimerForward-looking statements. Use of Non-GAAP financial measures

This presentation and comments made by management contain forward-looking statements including, among others,statements regarding the expected future operating results of Net Element, Inc. (“Net Element” or the “Company”). Thesestatements are based on management’s current expectations and assumptions and are subject to risks, uncertainties andchanges in circumstances. Forward-looking statements include all statements that are not historical facts and can beidentified by the use of forward-looking terminology such as the words “believe,” “expect,” “anticipate,” “intend,” “plan,”“estimate” or similar expressions. Actual results may differ materially from those set forth in the forward-looking statementsdue to a variety of factors. More information about these risks, uncertainties and factors may be found in Net Element’sAnnual Report on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. Net Element does notassume any obligation to update any forward-looking statements as a result of new information, future developments orotherwise.

This presentation contains certain non-GAAP financial measures determined by methods other than in accordance withgenerally accepted accounting principles. Such non-GAAP financial measures include: general and administrative expensebefore non-cash compensation expense. Management uses these non-GAAP financial measures to assess the performanceof Net Element’s core business. Net Element believes that these non-GAAP financial measures provide meaningful additionalinformation about Net Element to assist investors in evaluating Net Element’s operating results. These non-GAAP financialmeasures should not be considered as a substitute for operating results determined in accordance with GAAP and may notbe comparable to other similarly titledmeasures ofother companies.


Net Element | OverviewEmerging as a leader in mobile payments and transactional services

§ Net Element, Inc. (NASDAQ: NETE)

§ $21.2 million Revenue in FY2014

§ $25.2 million for Nine Months ended Sept 30, 2015 - (59.9% growth year-over-year)

§ Active in 9 markets- U.S., Canada, Europe, Asia, Russia, Kazakhstan,

Kyrgyzstan, Azerbaijan, UAE

§ Leading positions in online and mobile payments

§ Highly active in world’s fastest growing markets

§ 150 people including 30 IT engineers

Global financial technology company specializing in mobile payments and value-added transactional services in the U.S. and fast growing emerging markets.

!100+ paymentmethods in 50 countries "

161 milliontransactionsprocessed in 2015

#Processing volume of$1.8 billion in 2015


Net Element | OverviewEmerging as a leader in mobile payments and transactional services

Who is Net Element? Our Mission and Vision• Emerging leader in mobile payments, transactional

and value-added services

• Growth drivers: mobile commerce and value-added transactional services (“VAS”)

• Key differentiators: Our scalable operational infrastructure, commerce expertise, scalable mobile payments platform, world-class cloud infrastructure and emerging market presence

• Mission: We drive customer growth through our in-depth knowledge of transactional services and value-added service offerings which separate us from the competition

• Vision: We set the standard for mobile payments, online transaction acceptance, Person-to-Person (“P2P”) transactions and value-added service offerings with focus on creation of unified global transaction acceptance ecosystem

• Continued investment in our core technology and new product offerings

• Allocate resources and expertise to grow in commerce and payments segments

• Strategic acquisitions which complement our core strategy

• Focus on continued improvement and operation excellence

• Market is large and moving to where we have strength

• Global customer expansion and strong growth in payment acceptance

• Ride the wave of the growing mobile payments market: Deloitte predicted 1,000% growth in mobile payments in 2015

Who is Net Element?

We Have a Focused Strategy

Our Mission and Vision

Our Opportunity is Significant


Growth Drivers | Focus on 3 areasCombination of all devices and technologies for multi-channel payments acceptance

Mobile PaymentsDirect Carrier Billing Point of Sale Solutions

Payment AcceptanceValue-Added Transactional Services

§ Mobile Payments• Carrier integrated solutions• Premium SMS• In-app purchases• WAP/Internet click payments

§ Point of Sale Solutions• Cloud-based mPOS solution• iOS-based self-serve kiosk• Digital menu

§ Payment Acceptance• Proprietary platform• Retail POS acceptance• Card not present acceptance• Mobile payments acceptance• Multiple payment methods• PCI DSS Level 1, SSL 3.1

Security

�

GROUP

11 million+ onlinepayment acceptancecustomers

3 million+ recurringmobile payments users

90 millionmobile transactionsprocessed in 2015

71 millionbankcard transactionsprocessed in 2015

TRINITYPLATFORM


Growth Drivers | One-Stop SolutionBringing together the best payment solutions

§ Complete SolutionCombines e-commerce, retail POS, comprehensive back office tools, mPOS, credit scoring and customer interaction in one powerful technology

§ IntegrationAPIs and connectors allow integration and customization. Our tools allow for easy integration and our SDK toolkit for building native apps for our omni-channel platform

§ Enabling Global CommerceOur payment infrastructure and services are globally oriented, but adapted to each country’s unique requirements

11 million+ onlinepayment acceptancecustomers

3 million+ recurringmobile payments users

161 milliontransactionsprocessed in 2015

Processing volume of$1.8 billion in 2015

OMNI-Channel Processing

w O $ S % & ! ' E ( ) * c

Merchant

MerchantAccount

PaymentGateway

RiskCompliance

+

ConsumerAccount

CardIssuing

!

Consumer

, - .

100+ PAYMENTSOLUTIONS / WITH

/ 1 Integration APIs/ 1 Back Office/ 1 Settlement/ 1 Dedicated Team


Growth Dynamics | United StatesUnited States merchant strategy

United States51.2 million bankcard transaction in 2015(45% year-over-year growth in transactions)

• Over 10,000 SME merchants

• Over $1 billion in volume processed in 2015

• Avg. annual revenue $1,800 per merchant

• Average upfront Cost Per Acquisition $228

• Increased revenue per merchant for value

added services $240 per annum

Features: Apple Pay; Android Pay; NFC enabled; Mobile card readers; Secure & reliable; 24/7 serviceValue-add services: shopping cart; rewards and loyalty programs; back office tools; inventory management; credit

scoring; analytical dashboard

Partners include top brands


Growth Dynamics | CISMobile payments strategy

Features: Premium SMS; Direct operator billing; WAP automated phone; Web billing; in-app billingValue-add services: content management gateway; SMS gateway; API integration; short code number procurement;

analytical dashboard


Russian Federation and CIS90 million mobile transactions in 2015(106% year-over-year growth in transactions)

• Over 3 million mobile payment users

• Over 100 content providers use TOT Money

• Ranked as #1 SMS content provider in Russia

• Avg. subscription annual billings ~$12 per user

• Mobile payment users increased by 300%

year-over-year


Growth Dynamics | Emerging MarketsOnline payments strategy

Features: E-commerce gateway; E-wallet; Mobile in-app payments SDK; PCI DSS level 1 security; P2P transfersValue-add services: shopping cart; GDS’ merchant plug-in; fraud monitoring; back office tools; credit scoring; BIN and

IP scrubbing; analytical tools


Emerging Markets19.5 million online transactions in 2015(36% year-over-year growth in transactions)

• Over 11 million online payment users

• Over 3,000 merchants in CIS, EU and Asia

• #1 IPSP in Russia, 30% market share

• According to Forbes, 20% of leading online

merchants in Russia are clients of PayOnline

• Approx. 40% of revenue is in EUR€ / US$


Our Clients | Center of Our SuccessGrowing portfolio of international clients

According to Forbes, 20% of leading e-Commerce merchants in Russia use PayOnline platform to accept payment transactions in Russia, Europe and Asia.


Net Element | Financial SnapshotSelected Income Statement Data (Nine Months Ended Sept 30, 2015)

Sources of Revenues

NineMonths Ended

September30, 2015 Mix

NineMonths Ended

September30, 2014 MixIncrease /

(Decrease)

US Transaction Processing $19,275,885 77% $ 14,234,253 90% $ 5,041,632Mobile Payments 3,489,550 14% 1,548,222 10% 1,941,328Online Payments 2,356,815 9% - 0% 2,356,815

Total $ 25,122,250 100% $ 15,782,475 100% $ 9,339,775

Cost of Revenues

US Transaction Processing $ 16,543,190 86% $ 11,690,214 82% $ 4,852,976Mobile Payments 2,786,984 80% (98,779) -6% 2,885,763Online Payments 1,457,042 62% - 0% 1,457,042

Total $ 20,787,216 83% $ 11,591,435 73% $ 9,195,781

Gross Margin

US Transaction Processing $ 2,732,695 14% $ 2,544,039 18% $ 188,656Mobile Payments 702,566 20% 1,647,001 106% (944,435)Online Payments 899,773 38% - 0% 899,773

Total $ 4,335,034 17% $ 4,191,040 27% $ 143,994


Net Element | Financial SnapshotSelected Income Statement Data (Three Months Ended Sept 30, 2015)

Sources of Revenues

ThreeMonths Ended

September30, 2015 Mix

ThreeMonths Ended

September30, 2014 MixIncrease /

(Decrease)

US Transaction Processing $ 7,826,967 62% $ 5,565,633 92% $ 2,261,334Mobile Payments 2,795,484 22% 461,328 8% 2,334,156Online Payments 2,052,672 16% - 0% 2,052,672

Total $ 12,675,123 100% $ 6,026,961 100% $ 6,648,162

Cost of Revenues

US Transaction Processing $ 6,489,695 83% $ 4,764,144 86% $ 1,725,551Mobile Payments 2,758,590 99% (46,289) -10% 2,804,879Online Payments 1,457,042 71% - 0% 1,457,042

Total $ 10,705,327 84% $ 4,717,855 78% $ 5,987,472

Gross Margin

US Transaction Processing $ 1,337,272 17% $ 801,489 14% $ 535,783Mobile Payments 36,894 1% 507,617 110% (470,723)Online Payments 595,630 29% - 0% 595,630

Total $ 1,969,796 16% $ 1,309,106 22% $ 660,690


Net Element | Growth StrategyWe build strong partnerships with customers over time

$0

$20

$40

$60

$80

$100

$120

2013 2014 2015 2016 2017

Starts with single piece of business• Single product• Single country

Single marketing• Non-core business

divestiture

Infrastructure stabilization• Additional products• Technology focus• Additional geography

exploration• Restructuring• Marketing expansion

Strong partnership development• Additional products• Additional geographies• Growth financing• New capabilities• Strategic Acquisitions

Growth Mode• Additional products• Growth stabilization• Geography expansion

Segment Leadership• YOY Growth• Focus on profitability• Focus on sustained

growth

Rev

enue

in M

illion

s $U

SD

Net Element approaches payments from a broader, holistic, global view of commerce. Our objective is to become an emerging leader in mobile payments and value-added transactional services in the emerging global markets. Pay anywhere using mobile, online or traditional card present methods.


Investment HighlightsWhat makes Net Element special

• Large and growing market with favorable economic trends• The use of non-cash forms of payments including mobile payments has steadily

increased over the past ten years and continues to climb• Merchant locations accepting credit cards continue to grow

Large & Growing Industry

• Focused on fast growing and highly profitable market segments• Proved transactional business in the US and selected emerging markets• Provides diverse, low-risk, recession proved recurring revenue stream• Strong established customer & partner base

ViableBusiness Model

• Resilient business with strong recurring revenue, diversified customer base and good visibility

• Full front and back office operations including risk, underwriting, deployment, activation, client services, data entry and retention

• Significant, untapped opportunities for expansion and growth

Resilient Operating Leverage

• Proven track record of scaling businesses and delivering shareholder value• Proven achievements in new product launch• Proven achievements in new market development and establishing market

presence• Relentless focus on value creation and growth

Proven Management

Team

0

Q&AQuestions & Answers

Net Element provides global solutions for mobile payments, online payments and value-added transactional services

Net Element, Inc.3363 NE 163rd Street, Suite 705North Miami Beach, FL 33160

$ +1 305-507-88081 +1 786-272-0696

[email protected]

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