Talk Younited Credit CrowdTuesday Milano, Marketplace Lending in Italia: come liberarne il potenziale. Milano, 4 Ottobre 2016 P2P Lending Italia

1. 1
YOUNITED CREDIT
CrowdTuesday Milano – 4 Ottobre 2016

3. Younited Credit’s Path
2011 - 2016
2009-2011 2016
2016
Granted
personal loans
for more than
400 Millions
Euros in France
Younited is
operating in Italy
from April 2016,
and is about to
get launched in
Spain
Younited has
already
granted more
than 8
Millions Euros
in personal
loans in Italy
Obtained the bank
licence from the Bank
of France: it is
«passportable» in all
EU countries
Opening of the
Italian
Investment
Funds
Coming soon

4. • Defaults of borrowers: This could impact the return for investors as well as initial investment
• Liquidity: Based on limited liquidity, on the worst case scenario where all investors would ask for total redemption at the same time, they
would get their funds on a pro rata basis, upon borrowers monthly payment
* Net of management fees (between 0% and 0.6%) and after impact of borrowers’ defaults
Note: Italian funds will be available in the coming weeks
Funds Younited
Inception
Date
Loan Maturity Borrowers
Estimated Annual Returns
2015 net annual
return
Total Funds
Outstanding as
of 01/09/2016
Gross Net *
Conservateur Court 10/2013 2 & 3 years
A Grade
4,0% 2,0% - 3,0% + 2,2% 18M€
Conservateur Long 10/2013 4 to 6 years 5,0% 2,5%- 3,5% + 3,0% 109M€
Equilibré Long 05/2014 4 to 6 years B Grade 7,0% 3,5% - 4,5% + 4,1% 40M€
Dynamique 12/2014 2,3,4,5 years C Grade 9,0% >4% + 5,1% 21M€
Younited Italy A 10/2016 2 to 6 years A, B & C Grade 6,5% 3,5% - 4,5% n.a. n.a.
Main Risks
Past performance is no indicator of future performance
Overview of our Funds

5. Detailed Presentation of the Funds
Main characteristics Reporting
Type French securitization mutual fund ISIN code 
Market Regulator classification Debt security Bloomberg code 
Currency EUR Monthly report 
Subscription Weekly Quarterly report 
Initial value of the share € 100 Yearly report 
Custodian Younited Monitoring 24/7 Online
Management company Eurotitrisation Risks
Servicing Bank Crédit Mutuel Arkéa Guaranteed product No
Auditor Mazars Liquidity Weekly
Entry fees / deposit fees € 0 Eligibility to National Deposit
Insurance
Yes – up to €100,000 on deposits
and €70,000 on securitiesExit fees € 0 (except for early redemption)
Management fees 0.0% to 0.6% Market Regulator
Autorité des Marchés Financiers
(AMF)
Parameters used to determine the NAV (Net Asset Value) of Funds
 Interests of performing loans
 Performance of recollection
× Provision on 100% of the principal after 6 consecutive late payments
× Progressive provision on the principal from 1 to 5 late payments
× Provision on 100% of the interests after 1 late payment

6. On Younited Website Or on Investment Websites (Quantalys, Bloomberg)
Monitor your investment on the Platform
Tickers Bloomberg:
• PDUALNG:FP
• PUCONCT:FP
• PDUBCRT:FP
• PDUBLNG:FP
• PDUCDYN:FP
ISIN codes
• FR0011605682
• FR0011605690
• FR0011860881
• FR0011860899
• FR0012353548

7. MERCI – GRAZIE – GRACIAS
https://www.it.younited-credit.com/

8. 8
ANNEXES

9. Younited – Company Profile
Creation in 2009 – 120 employees
Institutional InvestorsGeographical Footprint
Offices
Opening expected Q4 2016
Paris
Rome
Barcelone
Italian office opened in March 2016 and opening of
an Spanish office expected end of 2016
Objective: allows investors to finance personal
loans to French households with competitive
returns
€63M in equity funding and first loan origination in
December 2011
Only French P2P platform licensed to operate as a
credit institution (regulated by the French Central
Bank – license n° 16488 - and the AMF, French
market regulator)
Cumulative production exceeding 400M€ since
inception representing more than 50 000 credits,
i.e. 0.4% of the consumer loan French market

10. Operating Principle: a simple and
transparent system
• Subscription by French/Italian resident individuals
• Personal loans with fixed rates and fixed monthly
payment
• 3 000€ to 40 000€ / Maturities from 2 to 6 years
• Reported loan purposes: Car Financing, Home
Improvement, Equipment, Travel
• Prime profile (permanent contract, retired people); no
borrowers with credit incident
• Scoring model used in the underwriting process
Borrowers
Loans
• Individuals and legal entities (personal holding
companies, family office, pension fund, charities…)
• Compounded interest, weekly valuation
• Weekly subscription through a Order Book
• Monthly liquidity based on borrowers’ monthly
instalments
• Pooling of all credits in the fund
Investors
Units of Funds

11. Focus on Liquidity
• Natural monthly liquidity which represents 3 to 5% of the total fund outstanding
• Liquidity comes from the borrowers’ monthly instalments
• This cash is used to:
1) Meet the investors’ liquidity needs*
2) Or, if no redemption are recorded, the cash is directly invested in the funds to finance new loans
• Below the two scenarios
What is the liquidity of the Funds?
Case 1 – Liquidity exceeds the redemption requests Case 2 – Redemption requests exceed monthly liquidity
3.5%
2.0%
1.5%
0.0%
0.5%
1.0%
1.5%
2.0%
2.5%
3.0%
3.5%
4.0%
Monthly Liquidity Redemption
requests
Financing of new
loans
3.5%
0.0%
5,50%
-3.0%
-2.0%
-1.0%
0.0%
1.0%
2.0%
3.0%
4.0%
Monthly Liquidity Redemption
requests
Financing of new
loans
* One-month notice for any sell order – 2% penalty for early redemptions before 6 months, 1% if redemption between 6 to 12 months
As a % of the outstanding
These redemptions will
be processed over the
next months

12. Key Figures of Younited
0
3
6
9
12
15
18
21
Oct - 11 Sep - 12 Aug - 13 Jul - 14 Jun - 15 May - 16
France
Monthly Production (€M) Annual Production (€M)
Funds Outstandings (€M)
0
30
60
90
120
150
Fonds
conservateurs
(long & court)
Fonds Equilibrés
(long & court)
Fonds dynamique
Average Interest Rates for Borrowers
0
100
200
300
2011 2012 2013 2014 2015 2016e
5%
7%
9%
A Grade
B Grade
C Grade

13. Donald BRYDEN, Chairman of the Supervisory Board – 62, HEC. Mr. Bryden is a senior advisor at Oaktree Capital
Management. He previously held senior management positions with banking institutions: Global Head of Corporate
Finance and Member of the Executive Committee of Royal Bank of Scotland Global Banking & Markets (2006-2008);
CEO at Royal Bank of Scotland France (2001 - 2006), responsible for the implementation of Bankers Trust in France
and global Head of Corporate Finance and financial Institutions in France for Deutsche Bank (1992-2000), head of
the Financial Office in Tokyo and Head of Corporate Finance in Asia for Paribas (1979 - 1992)
Charles Egly, CEO, 36, HEC. . Charles worked for over 7 years at BNP Paribas, initially as a product developer in the
Private Banking & Asset Management department in Hong Kong, then as a credit derivatives structurer in the Fixed
Income department in Paris
Geoffroy Guigou, COO, 36, HEC. Geoffroy worked for 3 years as a consultant at McKinsey & Co., then joined Poweo,
the first alternative electricity provider in France, in commercial and operational functions, and was a member of
the Executive Committee
Cécile Billon, CFO, 41, ESC. Cécile was audit manager for 10 years at Deloitte before joining ALTI as CFO and
member of the management committee
Frédéric Chaignon, Sales Manager, 35, EM Lyon. Frederic joined Younited in 2013. He previously worked for 5 years
at J.P.Morgan private bank in Paris where he was working with Ultra High Net Worth clients. He worked from 2004
to 2007 as an analyst at J.P.Morgan Luxembourg
Tommaso Gamaleri, Italy CEO 38, Harvard, Tommaso was a consultant with Bain & Co. for six years before founding
the Italian branch of Admiral Group (ConTe.it). As COO, he managed a company that grew from 4 to 600 employees
and achieved profitability in a record time for car insurance business
Younited – Leadership Team
Contact: invest@younited-credit.fr

14. Disclaimer
This document is intended for professional investors. It is designed exclusively for information purposes. It does not constitute a
contractual element, or an offer or an incentive for investment, nor an offer to buy or personal advice. It can not be considered
a solicitation or canvassing. Subject to compliance with its obligations, Younited will not be liable for the financial consequences
of any nature whatsoever resulting from the investment
Data contained in this document are not contractual or certified. Responsibility for Younited can not be held by a decision taken
on the basis of this information. Past and projected performance is not a reliable indicator of future performance. They are not
constant over time and are not subject to any guarantee. The estimates and forecasts of default rates and performance bonds
are the result of simulations were carried out in good faith by Younited for information only. They are based on various
scenarios selected by Younited by the estimated borrowers when they were made and historical data in no way prejudices the
future evolution of the actual performance of obligations rate defaults. Younited accepts no liability (i) for the relevance,
correctness or timeliness of these estimates, the latter having no contractual value and (ii) any error or omission in their
computing or dissemination. Younited or any of its officers or employees shall not be held liable for any loss arising directly or
indirectly from the consultation or use of these estimates
The general regulations and the supplementary regulations of the SPV Younited are provided to subscribers prior to the
subscription and available on request
Subscribers must consider the degree of exposure to different risks in terms of their overall allocation and their individual
situation. They can also see if they consider it necessary, their own, legal advice, financial, tax, accounting or other professional