High upfront deposits for acquiring pay-as-you-go solar units are a huge barrier to adoption for millions of Ugandans Irregular incomes, inadequate financial planning and family emergencies make upfront deposits unaffordable which creates a barrier to adoption for pay-as-you-go solar. 2

Africans still spend over $12B on kerosene annually. Sub-Saharan Africa has a total energy addressable market of 600+ million people. Upfront deposits are the biggest barrier to pay-as-you-go solar adoption <3% Expensive status quo Of the total addressable market has been covered to-date. Only 800,000 pay-as-you-go solar units sold to-date. Africans still spend over $12B on kerosene annually. An average family spends about $2.5/week on kerosene and phone charging BUT entry level pay-as-you-go solar kit costs 97¢/week in Uganda

User is provided a decision via SMS within minutes. Malako provides instant, affordable and convenient upfront deposit loans to acquire pay-as-you-go solar via mobile User is provided a decision via SMS within minutes. An individual requests for a Malako upfront deposit loan via their mobile SACCO banking platform User pays back through daily instalments as low as 15¢ spread over 3 months 2 4 1 Upon receiving the request, Malako retrieves user SACCO savings and loans statement for credit scoring 3 For qualifying customers, the upfront deposit amount is directly transferred to the solar provider and they can pick up their solar kit 5

Malako uses bio-data and SACCO savings and loans statements to credit score applicants Savings and Credit Co-operatives(SACCOs) by government policy have great reach in off-grid areas in sub-Saharan countries SACCO banking systems rely on mobile money for savings, loan disbursement and repayment. By requesting for an upfront deposit loan, a user grants Malako permission to retrieve their bio-data and SACCO statement for credit scoring purposes For one to qualify, they must be in good standing with their SACCO and should not have defaulted on any loan obligation in the last 12 months For defaulting users, loan amount is added to their pay-as-you-go regular payments until the loan is cleared.

Malako charges 15% flat interest for a 3-month upfront deposit loan $25 $3.75 Average upfront Loan deposit amount Average interest earned over 3 months from an individual Declining balance interest, Earlier repayment leads to Increased savings on interest

Malako Personal Friends Money Lenders Financial Institutions Malako’s exclusive partnership with SACCOs serving people living off the grid creates significant barriers for new entrants Affordable Flexible Repayment Credit Scoring Convenient Alt Data loan Providers (Mo-Kash, Branch, Jumo,Tala) Malako Personal Friends Money Lenders Financial Institutions Financial institutions should have an x for flexible repayment,

Our Story So Far 2016 2017 July January December February Started Malako as a cash advance to low income people 2016 January Pivoted to Credit for Utilities and then Solar as a market entry December Only African Start-up awarded funding and mentorship from DFS Lab Accelerator 2017 February National champions at Uganda Demo Africa pitching competition. Opportunity to launch in Johannesburg Need to show projections, key milestones, key partnerships, customer base …….identify key characteristics of our customers…….

Our Team Advisors & Funders Kalule Raymond Hilda Nalwanga CEO & Founder Co-founder Phillip Simbwa CTO Advisors & Funders Gerald Otim Stephen Deng Ben Lyon DFS Lab Advisor Advisor Advisor Funder Your Company Name Presentation

Contact Us Thank You! twitter.com/malako_Ug support@malako.ug (+256) 783-233 941 www.malako.ug Thank You!