EASY ASSET MANAGEMENT JSC www easycredit bg Overview

EASY ASSET MANAGEMENT JSC www. easycredit. bg

Overview Mission Ø The most dynamically developing non-bank financial institution in Bulgaria, with more than 14 years of experience, fully-owned by Bulgarian entrepreneurs; Ø Specialized in providing short-term loans since 2005; Ø Over 4000 credit consultants who care for our clients in more than 181 offices in Bulgaria; Ø To provide responsible and transparent, fast and affordable credits directly to our clients' homes. Vision Ø To be a market leader in all the countries that we operate in. Values Ø 130 000+ loyal customers; Ø 90% of the population recognizes the brand Easy Credit; Ø 64% of our clients would recommend Easy Credit. Ø Ø Ø Morality & Ethics Responsibility Loyalty Transparency Social Engagement www. easycredit. bg

Business Model Partnerships Ø HCC (Home Collected Credits) model, where disbursement, contract signing and scoring take place at the client’s home; Ø Responsible Lending; Ø Partnering with the Bulgarian Postal services (BG Post) to provide access to financial facilities in more than 2100 post offices in Bulgaria. Ø Weekly, bi-weekly and monthly repayments ensuring customer comfort & predictability of repayment; www. easycredit. bg

Customer Profile Products Our typical customer is an un(der)banked individual looking to acquire & maintain a normal standard of living. Female 49. 2% Ø Ø Ø Male 50. 8% Single/Unmarried; Low income individuals; Average of 44 years; Completed secondary education; € 314 Average loan size. EASY CREDIT Non-collateral loans up to 3000 BGN with weekly repayments CREDIT PENSIONER Non-collateral loan up to 2500 BGN tailored for pensioners EASY MONTH Personal loan up to 2500 BGN repaid in monthly instalments VIPEASY Personal loan up to 8000 BGN for loyal customers EASYMAX Personal loan up to 5000 BGN tailored for workers on a labor contract EASY INCREDO 1250 BGN to 8000 BGN loan with period between 1 to 3 years *1 BGN = 0. 51 EUR www. easycredit. bg

Yearly Sales Statistics 250 000 200 000 130 000+ loyal customers € 38 m Gross Portfolio € 51 m Revenue for 2018 2. 1 m+ total loans granted 150 000 100 000 50 000 € 314 Average loan size 0 2012 2013 2014 2015 2016 2017 2018 Реални продажби www. easycredit. bg

Financial Services from door-to-door www. easycredit. bg