Lending Platforms - Presentation by Alexander Artopé, Co-Founder & CEO of smava at the NOAH Conference London 2017, Old Billingsgate on the 3rd of November 2017.

1. The German Market Leader for Personal Loans
2nd November 2017

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
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
6-7 June 2018
Tempodrom, Berlin
13-14 March 2018
Haoman 17, Tel Aviv
To promote Israel - European
relationships and enable funding
To bring together future-shaping
executives and investors active
across segments driven
by digital revolution

3. 2
smava at a Glance

4. 3
1. Mission: Making Personal Loans Transparent, Fair and Affordable for Consumers

5. 4
2. Huge Market Opportunity Shifting Online
Online is significantly outgrowing offline in the overall loan market
Key Drivers
1
2
3
Non-banks already generate every second loan online
High lender fragmentation enables strong market position for smava
New Online Loan Book per Year (in €bn)Large Addressable Market in Germany

6. 5
Digitization Is Changing the Entire Personal Loan Industry

7. 6
Meet our Average Customer

8. 7
3. Dynamic Growth: 90% CAGR for Annual Loan Origination of smava since 2012

9. 4. Significant Scale: smava is the Largest Pureplay Platform for Personal Loans in
Germany
8
● > €1bn. in new loan originated in 2017, > €3bn total origination volume since inception
● Headquartered in Berlin with c. 300 FTE and 36 nationalities
● Main differentiators to consumers:
– Scoring capabilities
– 0% or even loans with negative interest rates
● Goal: smava wants to become category name and destination site number 1 for Personal Loans
in Germany

10. High Scoring Competence: Underwriting Guarantee
9
Problem:
High level of customer anxiety
Solution:
We indicate which banks have the highest
probability of accepting a customer
We “guarantee” to the customer that he will
receive the loan

11. smava on the First Page of Germany‘s Largest Newspaper
10

12. Ambitious Management Team with Proven Execution Track Record
11
Alexander Artopé
Co-Founder and CEO
• Over 15 years experience as
internet entrepreneur, especially
in Sales and Marketing
• Responsible for Marketing, Sales
and Business Development
• Founded datango in 1999, which
he exited successfully to SAP in
2011
Eckart Vierkant
Co-Founder and CIO
• Over 13 years experience in
startups and financial services
• Responsible for Innovation and
Product
• Before co-founding smava he
worked for a US private equity
fund and for Healthcare
Enterprise Group
David Vazquez Cortizo
CTO
• Over 15 years experience in
technology
• Responsible for Engineering,
Data Science and Analytics
• Joined smava in Sep-2016
• Previously worked at Gradiant,
Nokia, Merak and Motorola
Sebastian Bielski
CFO
• Over 12 years experience in
startups, private equity and
investment banking
• Responsible for Finance, Legal,
HR and Loan Operations
• Joined smava in Nov-2015
• Previously worked for Delivery
Hero, Team Europe, Archer
Capital and Goldman Sachs

13. THANK YOU!
NOAH 2017
Alexander Artopé
CEO & co-founder
Phone: +49 30 617 480 024
Mobile: +49 179 59 09 671
Email: alexander.artope@smava.de

14. 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
Justus Lumpe
Managing Director
justus.lumpe@noah-advisors.com
The NOAH Advisors Core Banking Team
Nikhil Parmar
Director
nikhil.parmar@noah-advisors.com
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