Investree is peer-to-peer lending marketplace platform that connects consumers (retail investors) directly to businesses and other individuals to borrow money. Contact: adrian@investree.id

1. Demo Day– June 3 2016

2. Low financial penetration rate for both MSME and
consumer, yet huge upside potential awaits
10%
22%
61%
80% 85%
IDN IND SG TH MAL
Consumer Loan to GDP
40% 51%
132%
159%
125%
IDN IND SG TH MAL
Business Loan to GDP
there are 57% of Indonesian
people who borrowed money
for any reason and from any
source in the past 12 months
Financial Institution
Friends & Families
Informal Lender
13%
3%
42%
from
Sources : Bank Indonesia , World Bank Statistics

3. 3
Lack of investment alternatives that allows retail & institutional investors to invest small amounts of monies in short
term + well structured /secured + high yields
 Low retail investor base
given risk averse nature of
majority of Indonesian
 High barrier to entry for
retail investors in terms of
nominal and fees
 Limited and too complex
product range for “man on
the street” segment
 Deposit interest rates +
inflation = low/negative
real interest rates
Key Proposition
 Small minimum
investment size with
short tenor
 High yield with clear
underlying transaction (ie
invoice , payroll)
 No initial investment fee
thru online platform
 Many investors to one
loan = risk diversification
Key Issues
Investor Problem:
barrier to entry for individuals to invest
3
Sources : Oliver Wyman & Mandiri Institute – Financial Deepening 2015

4. Introducing Investree! game changer in the financial landscape
is Indonesia’s online Marketplace that connects consumers who
wants to invest directly with businesses and other individuals who wants to borrow
money for personal or business.
o We are the 1st Indonesian P2P Marketplace for Personal & Business Loans
o Led by seasoned professionals with real market experience
o We enhance yield for investors while making it more affordable and accessible for borrowers
o We use a combination of traditional and behavioral scoring models to assess borrower credit
worthiness
o We facilitate thru partner banks the flow of funds and documents to ensure secured & seamless
digital transactions – Investree don’t hold monies

5. Key Proposition for Borrowers
Attractive rates by
matching borrowers
directly with their
respective lenders
Competitive RatesSimplicity
100% online, signing up
and applying for loan is
quick and easy
Speed
Borrowers can now enjoy
a streamlined loan
application process and
get funded within a
week
A sensible solution that enhance yield for investors
while making it more affordable for borrowers.

6. Key Proposition for Lenders
Disclosure of borrower’s
credit information to
allows lenders to make
informed lending
decision
TransparencySecured Transaction
Every fund movement is
handled by our
reputable bank partner
to ensure peace of mind
in transacting through us
By connecting you
directly with borrowers,
you earn full amount
of interest paid by
borrowers
Better Returns
All loans are governed by legally binding and
enforceable contracts according to Indonesian Law

7. Our Financing Solution!
P2P Lending for Business P2P Lending for Employee
Product Invoice Financing B2B Employee Loan
Target Market SME Business Employee &
Contract Worker
Loan Purpose Working Capital Multipurpose
Tenure Up to 12 month Up to 12 month
Payment Bullet Payment Installment
Indicative Pricing
14% - 20%*
effective pa
1.2% - 2.5%
flat per month*
Collateral Invoice + post-dated cheque +
PG
Unsecured
Repayment Source Invoice Payment Salary Deduction
Funding Period 14 days 5 days
*Based on Credit Risk Scoring

8. As simple as 1-2-
3, lenders can
choose which
project to fund
based on their
own risk
appetite
Each project is
completed with
detail fact sheet
of the borrower,
giving lenders
comfort level to
shop

9. Management Team –
Combined 60 yrs of professional experiences with proven track record
 Completed his bachelor degree in Faculty of Economics in University of Indonesia and MBA
at Rotterdam School of Management
 Last role as Director of Retail Banking at Bank Muamalat Indonesia, managing SME,
Consumer, Micro, Liabilities & e-banking across 400 branches
 Trained as banker since the beginning, Adrian was all too aware with the difficulties of getting
financial access from formal institution, he knew that there must be a better way. By creating
Investree, he’s putting all his banking experience to digitalize financial inclusion and help
businesses and individuals
 Completed his bachelor degree at University of Wisconsin – Madison and MBA at University
of San Francisco
 Previous role asHead Retail Risk at Bank Danamon.
 Dedes has broad experience in risk and operation strategy across diverse range of financial
institutions. As a fintech startup, Investree is no different compared to a financial institution,
it’s a business of risk, and he’s ready to manage it for investor’s best interest.
 Completed his bachelor degree in University of Michigan – Ann Arbor
 An eclectic by nature, Dickie has broad experience in executing digital business
transformation in several biggest national companies, such as Astra and Telkomsel. One of
the first Big Data evangelist, he’s experienced in leveraging data to drive various business
outcomes. As a tech company, Dickie will further enhance Investree business acumen.
Adrian – Co-founder
Dedes – CRO
Dickie – CIO
9

10. As of 30 May 2016:
Average Funding Period:
o 5 days
Average Return to Lenders:
o 16.7% p.a.
Default
o 0 Loans
1 3
9
16
23
316,000,000
818,400,000
2,297,400,000
3,875,400,000
6,664,400,000
-
5
10
15
20
25
-
1,000,000,000
2,000,000,000
3,000,000,000
4,000,000,000
5,000,000,000
6,000,000,000
7,000,000,000
Jan Feb Mar April May
TotalLoans Disbursed
Total Loans Booked Total Loans Disbursed
Construction
24%
Creative
Industry
28%
Legal
3%
Outsourcing
29%
Telecommunica
tions
16%
Investree Portfolio By Industry
3
7
- -
13
18
-
26
29
-
5
10
15
20
25
30
35
A1 A2 A3 B1 B2 B3 C1 C2 C3
AverageInvestors by Grading
Average Investors
Portfolio Highlights – per May 30,2016

11. #Semuabisatumbuh
www.investree.id
11

12. Appendix
www.investree.id
12