Vyruchai Dengi Company’s Profile Limited Liability Company providing microfinance and consumer finance products

Overview Incorporated in 31/10/2011 Wholly owned subsidiary by Ta Meri Financial Services JSC Commenced activities as Micro Finance and Sales Finance Micro Finance and Sales Finance Company – Financing retail customers and corporate customers for short term periods Non-Deposit taking company Commenced Micro Finance and Sales Finance business from July 2014

Organization Structure Front Office Business Strategy & Marketing Sales & Dealer Network Operations Information Technology Internal Audit Treasury Front Office

Organization Structure Back Office Risk Management & Collections Collections HR & Administration Legal, Compliance & Secretarial Company Secretary & Compliance Controling Accounts Treasury Back Office

Board of Directors Vasiliy Nazarov Profiles Executive Director Vasiliy Nazarov Strong proffesional with experience in russian speaking countries with strong orientation to KPIs, P&L results and customer orientation Chief Financial Officer Bohuslav Kratěna Economy and law education background, field experience in enterprise restructuring and banking sector generally

Number of Employees Russian Federation

Branches Sales Finance Micro Finance 30.09.2014 EOY No. of branches 63 100 5 8 * by the end of year 2014 another 300 points of sales will offer our products

Our Partners Company Field of Business Voltmart electronics Tair Garant Park mobile phones Domashnij kompyutr PC Komtek Kontakt iCom authorised reseller apple Bereket home appliances Triumf Fokstrot electronics (Ukrainain network) Comfy electronics (Ukrainian network)

Products Microfinance Name od Product Loan Amount Redemption Maximum Maturity Interest Rate Target Group Dengy do zarplaty 1,000 to 10,000 RUB ($30 - $300) 2 weeks 2 months 2% daily low-end clients, to overcome short-term insolvency ; working woman with 1-2 children and salary up to 20,000 RUB ($600) Trust Loan 1,000 to 30,000 RUB ($30 - $1,000) every month 9 months 1% daily low-end clients, to overcome short-term insolvency and support consumption ; working woman with 1-2 children and salary up to 20,000 RUB ($600)

Products Sales Finance Name od Product Maximum Loan Amount Down payment Maximum Maturity Interest Rate Target Group Easy 15,000 RUB ($500) 10% 24 months clients who wish their redemption is low Fast 25,000 RUB ($800) 30% 12 months clients who wish to pay all their debt quickly Popular 20% 18 months clients who are not very familiar with loans and want what other people are using My Loan 30,000 RUB ($1,000) 3 to 36 months 59% p.a. clients who like to model their loan (adjust the maturity and height of down payment) Equity Loan 20,000 RUB ($600) 20% (possibility to pay overall sum in 4 months without paying interest) 49% p.a. offered in the network of our partners, loan with 0% interest rate, supposed to attract customers who are used to Ukrainian loan system (0% interest rate, revenues are hidden in charges and fees)

Volume of Business September 2014 processed almost 10 ths applications, 5,3 ths customers average value of amount: 15 ths RUB since the beginning of operations total amount of loans disbursed: 77 mio RUB plan till end of the year: 250 mio RUB

Asset Portfolio 2014 16

Asset Portfolio 2014 17

Strong Risk Management System Managing Director Back Office Head of Risk Management & Collections Credit Risk Retail Risk Wholesale Risk Operations Risk Fraud Risk Collections Regional Collections

Strong Risk Management System (contd.) Risk Strategy Risk Assessment Risk Monitoring Risk Control Risk Communication Identifying Key Risks Counterparty risks Market risks Operational risks Liquidity risks Reputational risks Strategic risks

Funding Mix

Key Ratios

Key Ratios

KPIs 2014 Profit/loss statement RUB/EUR 49,49 Year 2014 Year 2015 Q3 Data thousand EUR   Year 2014 Year 2015 Q3 Q4 Total Q1 Q2 Revenue 237 958 1 194 1 564 1 954 2 152 2 482 8 153 Financial costs 43 207 250 352 431 468 523 1 774 Operating costs 408 723 1 131 733 721 713 788 2 954 Total costs 451 930 1 381 1 085 1 152 1 180 1 311 4 728 Profit/loss -215 28 -187 480 802 972 1 172 3 425

KPIs 2014 Balance statement Year 2014 Year 2015 Q3 Q4 Q1 Q2   Year 2014 Year 2015 Q3 Q4 Q1 Q2 Amount of credits 2 478 8 439 13 188 18 341 23 292 30 364 default loans 46 268 726 1 430 2 262 3 163 % default 1,9% 3,2% 5,5% 7,8% 9,7% 10,4% Internal 963 2 579 32,4% 3 186 3 792 4 398 5 004 31,0% Investor 1 111 5 384 67,6% 7 656 8 980 9 176 11 121 69,0% Total investment 2 074 7 963 10 842 12 772 13 574 16 125

Contact us Ing. Roman Vavroň CEO of Ta Meri Financial Services JSC Tel: +357 99 02 4144 Mail: roman.vavron@tamerigroup.com