Lending Platforms - Company Presentation by Raffael Johnen, Co-Founder & CEO of auxmoney at the Axel Springer NOAH Conference 2018 in Berlin, Tempodrom 6-7 June 2018.

1. NOAH 18
Raffael Johnen, CEO auxmoney
Berlin, 7 June 2018

2. Three Conferences, One Mission: Empower the European Digital Ecosystem
To provide a physical marketplace
that facilitates funding of
digital European companies
at all stages
Mission MissionMission
To promote Israel - European
relationships and enable funding
To bring together future-shaping
executives and investors active
across segments driven
by digital revolution
Connecting
Capital with
Entrepreneurs
Connecting European
Champions
and Challengers
Connecting Israel’s Startups
with Large Corporates
and Investors
30-31 October 2018
Old Billingsgate, London
13-14 June 2019
STATION Berlin
9-10 April 2019
Haoman 17, Tel Aviv

3. Our Impact

4. We believe in a world where
every person can achieve their goals.
It‘s not just about money.
It‘s about the dreams we bring to life with it.

5. „We find that auxmoney is lending relatively more where and when banks
are lending less.[…]
We could conclude that auxmoney is serving borrowers largely considered
not bankable by banks, that is a segment of borrowers that banks
are unwilling […] to supply.”
Deutsche Bundesbank, 2016

6. Who we are

7. Marketplace model makes lending more efficient
auxmoney enables retail and institutional investors to directly invest into loans
Scoring
Underwriting
Origination
Servicing
No inherent risk No branches Use of technology
LendersBorrowers
Principal & Interest
Funding
Origination Fee
By cutting out the bank as a middle man, lending becomes more including and seamless.
Servicing Fee

8. Leading credit marketplace in Continental Europe
7
PEOPLE
200+ employees
in Düsseldorf/Germany
GROWTH
BRAND
Best known Fintech brand
in Germany among
consumers*
INNOVATION
Leading credit scoring in Germany: intelligent
combination of hundreds of online and offline
data points
*Source: GfK
INVESTORS
13,17 25,00 33,12
99,91
181,47
315,98
509,00
2012 2013 2014 2015 2016 2017 2018e
Origination Volume, €m

9. Our path

10. Where we come from…
9
DISRUPTOR
INNOVATOR
CATEGORY LEADER
• First digital lending platform in
Germany
• Started with pure P2P lending
allowing users to set interest rates
• Collection and analysis of data
banks never had access to
• Introducing the auxmoney score
which combines hundreds of
digital data points
• Leading VCs like USV, Index
Ventures and Foundation Capital
invest in auxmoney
• Institutional investors start to
deploy capital on the auxmoney
lending platform
• Market validation: auxmoney
unlocks € 22bn of additional loan
volume in Germany alone
• Became largest marketplace
lender in the Eurozone
• Dutch insurance company Aegon
commits to invest € 1.5bn on
auxmoney
2007 - 2010 2011 - 2014 2015 - 2017

11. Where we are going…
10
READY TO EXPAND
EXPANDER
TOP 3 CREDIT PROVIDER
IN EUROPE
• A profitable, strongly growing
German consumer loan business
as foundation for all future
expansion
• Strong visibility on platform
funding
• Entering next credit segment
insufficently served by banks
• Approaching € 1bn new loan
volume in 2019 alone
• Further credit and product
expansion
• Geographic expansion
2018 Next 5 years 2023
• Serving 3+ core markets within
Europe
• > € 5bn yearly new loan volume
• Most relevant product offering
with broadest credit access

12. Our formula for success

13. auxmoney’s key strength is its ability to assess credit risk
Based on a 10+ year loan performance history, auxmoney developed unique intelligence and models
Borrower
Investors
auxmoney’s model landscape
• Instant scoring, risk-adjusted
pricing and funding through
fully-automated process
• Broad access to loans
• Great customer experience
• Longstanding track record of
attractive risk-adjusted rates
of return
• Simple automated access to
unique asset class
Scoring
Models
Pricing
Models
Digital
Account
Model
Under-
writing
Model
Fraud
Model
Verification
Models
Conversion
Models
Application Data
External Data
Device Data
Bank Account Data
Financial Data
Web Usage Data
Demographic Data
Employment Data
Credit History / Activity Data
…
12

14. Huge economies of data allow us to constantly improve our product
3 Lower interest rates
Better credit performance 5
1
Quality borrowers at lower 4
acquisition costs
More
transactions
More
Borrowers
More
Investors
More
data
Stronger track record &
increased investor trust
2 Increased investor confidence drives
lower risk premiums
Everyday our product becomes better for our customers: loans get cheaper and our investors get better risk-adjusted returns
13

15. Thank you.
Email: johnen@auxmoney.com
@raffaelx

16. Selected Completed NOAH Transactions
Focus on Leading European Internet companies
Covering over 400 companies across 25 online
verticals, a broad range of over 500 investors as
well as 100+ online-focused corporates
Deep understanding of industry dynamics
Ability to add value beyond banking advice
Facilitates overall process and minimizes
management distraction
NOAH Advisors is globally well connected
and has direct access to virtually all key
players in the industry
Knowledge of and strong relationships with
potential buyers’ key decision makers
Proactively finds and unlocks attractive
investment opportunities for leading investors
Annual NOAH Conference in its 8th year
Over 40 years of combined relevant M&A experience
Routine execution of M&A and financing transactions
with sizes of several billion euros
30 successfully completed NOAH Advisors transactions
underline successful transfer of M&A competencies to
the Internet sector
Entrepreneurial mind-set, focused on growing the
business and establishing a reputation for excellence
Ability to deliver top results in short time frames
Highly success-based compensation structures align
interests of clients and NOAH Advisors, and demonstrate
conviction to deliver top results
Creative deal solutions
December 2014
September 2014
October 2014
May 2014
Sale of 100% of
for $800m to
Exclusive Financial Advisor to
Fotolia and the Selling Shareholders
Sale of 100% of
for €80m to
Exclusive Financial Advisor to
Trovit and its Shareholders
Sale of controlling stake in
to
Exclusive Financial Advisor to
Facile.it and its Shareholders
sold 100% of
for $228m to a joint venture between
Exclusive Financial Advisor to Yad2
and its Shareholders
Unique Industry Know-How
Unmatched Network and Relationships
Strong Investment Banking Competence
Full Commitment - We Are Entrepreneurs!
EUROPE’S LEADING INTERNET
CORPORATE FINANCE BOUTIQUE
September 2016October 2016
December 2016
Financial Advisor to Oakley Capital
®
Marco Rodzynek
Managing Director & Founder
marco.rodzynek@noah-advisors.com
Jan Brandes
Managing Director
jan.brandes@noah-advisors.com
The NOAH Advisors Core Banking Team
Acquisition of a Majority Stake in
by
from
at a valuation of €300m
Investment in
Exclusive Financial Advisor to KäuferPortal
and its Shareholders
by
84% Ownership
Financial Advisor to Silver Lake
Investment in
by
August 2017
Financial Advisor to EMK Capital
Acquisition of a Majority Stake in
by
at a valuation of $200m
Aleksander Skwarczek
Analyst
aleksander.skwarczek@noah-advisors.com
Nikhil Parmar
Director
nikhil.parmar@noah-advisors.com