Investor P resentat ionD FI M oldovaOctober 2019

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MOLDOVADFI Moldova at a glance

Business established in 2015, as “Credits 2 ALL” , Ltd in Chisinau

Acquired by Digital Finance International Group in 2016Operating in the Moldovan market under brands: FORZA (PDL) from 2016 and KREDDY* (IL) from 2017

Forza.MD is a non-bank lender that specializes in short term consumer loan underwriting in Moldova. Founded in2016, as a part of the Digital Finance International, Forza has supplied over 6 million worth of loans. Forza.MDprovides tailored lending products via smart fintech technology to serve remote markets with mobile connectivityfor fast and easy access to money.

Kreddy.MD is a non-bank lender that specializes in short term consumer loan underwriting in Moldova. Founded in2017, as a part of the Digital Finance International, Forza has supplied over 5 million worth of loans. Kreddy.MDprovides tailored lending products via smart fintech technology to serve remote markets with mobile connectivityfor fast and easy access to money.

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MOLDOVADFI Moldova at a glance • How we differ from local competitors

• Conservative (low risk) underwriting : all customers have stable income, <40% DTI (debt to income ratio) • Fast – 15 min to money• Clear procedure, short application form• Call center and customer care services• Current team in the market for > 10Y• Cost-efficient / IT focused - costs are optimized, due to various IT solutions, automation, as little as possible

man-work

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Products & sales networkLoan sales channels

Loan type Pay-day loans Instalment loans

Term 5 - 30 days 2-24 months

Amount EUR 50-500 EUR 50-1000

APR ~ 200 % p.a. ~ 100% p.a.

Repayment 1 payment full amount Monthly payments

Approval time Up to 15 min Up to 15 min

Online

Offline sales network: 2 offline branches in the capital city and over 1000 partner locations across the country:- Commercial Banks- Post Offices- Payment terminals- Retail networks

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MOLDOVADFI Moldova portfolio overview

Oct-18 Nov-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19Loan portfolio on balance, in EUR 1 805 465 1 961 248 2 191 638 2 325 054 2 571 919 2 721 083 2 809 974 2 934 836 3 012 693 3 314 871 3 585 471 3 960 514Monthly loan portfolio growth, % 6% 9% 12% 6% 11% 6% 3% 4% 3% 10% 8% 10%

Loan amount, in EUR 395 595 431 318 504 599 379 801 411 821 414 285 395 226 437 574 373 859 538 079 541 338 659 956Monthly growth, % 6% 9% 17% -25% 8% 1% -5% 11% -15% 44% 1% 22%# of loans 2 385 2 752 3 168 2 507 2 669 2 613 2 504 2 557 2 122 2 722 2 819 3 237Monthly loan portfolio (#) growth, % 0% 15% 15% -21% 6% -2% -4% 2% -17% 28% 4% 15%Avg.loan amount, in national currency 166 157 159 151 154 159 158 171 176 198 192 204Avg. term contracted, days 108 109 143 142 155 156 153 168 168 193 178 187Avg. interest rate contracted, per day 0,45% 0,43% 0,42% 0,44% 0,40% 0,42% 0,41% 0,41% 0,40% 0,36% 0,38% 0,30%Avg. interest rate contracted, p.a. 165% 157% 152% 162% 146% 153% 150% 149% 147% 132% 140% 111%

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MOLDOVADFI Moldova financial highlights

2019 Q1 2019 Q2 2019 Q3Revenue 664 666€ 718 704€ 966 393€ EBITDA 126 674€ 86 610€ 247 927€ Net Profit, EUR 74 554$ 982$ 235 447$

Experienced local team

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CEO Veaceslav Burcovschii

Has over 20 years of work experiencein financial sector.

1998-2015 Vice President of a Commercial Bank2015-2017 DFI, Moldova - Head of Developmentfrom Dec 2017 ...Chief Executive Officer

COOSergiu Cherdivara

Has been working in the financial sector for more than 10 years. 2015-2017 Head of Debt Collection & RisksFrom Jan 2018 ...Chief Operating Officer

Chief AccountantSvetlana Cupcic

Has over 15 years of experience in accounting and in the financial sector.2010-2016 Head of Accounting Dept in a Commercial Bankfrom Dec 2016….Chief Accountant

Team Leader Nadejda Pangalos

Has been working in the financial sector for more than 5 years.2014-2016 customer service specialist in a bank2016 -2017 customer service specialist from Dec 2017 ...Team Leader with good experience in communication, customer attraction and retention

Head of ITAndrei Bolun

Has over 20 years of experience in IT and financial sector sector.2006-2014 IT director in a Commercial BankFrom April 2016….Head of IT

Debt Collection Department

4 DC specialists with previous experience DC, with legal educational background, following customer

repayment delays, contacting clients, informing of payment deadlines and consequences of delinquency

Customer Service Department

A team of over 20 Customer Service Specialists advising clients on credit issues, assessing customer solvency

and making decisions on granting loans

Total number of employees 38

Thank you!