Fintech - Lending Platforms: Company Presentation by Frederic Nze, Founder & CEO of Oakam at the NOAH Conference 2018 in London, Old Billingsgate 30-31 October 2018.

1. Global Microlending

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 Mission Mission
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 2019
Old Billingsgate, London
13-14 June 2019
STATION Berlin
9-10 April 2019
Hangar 11, Tel Aviv

3. • Billions of people are financially
excluded
• Trapped in cycle of high cost
micro-loans
• Unable to build financial security
The Problem
Source
1 http://www.ipsnews.net/2018/04/whos-getting-financial-inclusion-funding-sub-saharan-africa/
Large demographic segment of financially ill-
served in advanced and emerging economies
UK
8.5m working
poor, 3.5m migrants
Sub-Saharan
Africa
Out of 590 million adults, 350
million do not have access to
an account at a bank or with
another type of financial
institution. (60%) 1
Global
2.2bn working poor,
230m migrants
2

4. Making Credit Accessible AND Affordable
Our Story
Oakam 1.0
Migrants Focused
Pseudo Bank
Brick and Mortar
Oakam 1.1
Open to UK working poor
Micro-loan focused
Oakam 2.1
From unstructured data to
psychometrics and
behaviour science
Oakam 2.0
Alternative data to the
rescue!
Oakam 3.0
Mobile App Only!
3

5. Our solution
Rich UX to nudge users to reveal their risk
Reward for data through gamification
Product designed for mainstream graduation
Human interaction left for high
emotional/economic value interactions
4

6. Mobile First Impact
341
569
1,207
3,224
11,680
2015 2016 2017 2018 2019
VOLUME APP PER FTE PER
YEAR
55% 63%
77% 82% 87%
45% 37%
23% 18% 13%
2015 2016 2017 2018 2019
DIGITAL SESSION BY DEVICE
PER YEAR
Mobile Non mobile
5
NEA & CUSTOMER
FRANCHISE DISTRIBUTION
34x
10x
Credit Build
Graduated
New Customers
19% NEA
46% customers
CAGR 121%
24% NEA
32% customers
CAGR 110%
50% NEA
New
Customer
CreditBuild
CAGR 15%
30% customers
HCSTC
Near
Prime

7. Asset Origination and Servicer
Alt-Data Origination and Alt-Scoring Platform
Brokering Mainstream Loans for Qualifying Consumers
The Opportunity
6

8. Sources
1 http://www.eib.org/attachments/general/events/africa_day_2017_roundtable_proceedings.pdf
2 https://www.digitaltrends.com/mobile/smartphone-users-number-6-1-billion-by-2020
3 BoE Money & Credit, NSF Prospectus, BoE Effective Interest Rates, Global GDP, McKinsey Global Institute
Emerging market
£1.8tn global market earning
£630bn annually
2.2bn global population ill-
served by finance
Exciting vision with a robust
emerging market and UK
growth plan to achieve it
Ready to scale
Defensible competitive
advantage from proprietary
technology and data
Global smartphone penetration
set to top 40% by 2020
7

9. 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
25+ 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
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
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
October 2016
July 2018
December 2016
®
The NOAH Advisors Core Banking Team
Investment in
Exclusive Financial Advisor to KäuferPortal
and its Shareholders
by
84% Ownership
Exclusive Financial Advisor to
PromoFarma and its shareholders
Financial Advisor to Silver Lake
Investment in
by
September 2018
August 2017
Financial Advisor to 10bis and its shareholders
Financial Advisor to EMK Capital
Acquisition of a Majority Stake in
by
at a valuation of $200m
Marco Rodzynek
Managing Director & Founder
Jan Brandes
Managing Director
Nikhil Parmar
Director
Olek Skwarczek
Analyst
Lukas Schlund
Analyst
Sale of 100% in
to
Sale of 100% in
for €135m to
10Bis