1. Mihhail Tsistjakov СEO KiirAutoLaen Invest IN OÜ

2. Overview KiirAutoLaen loans are secured against a car pledge. In total we have been in business since 1998 and thereby developed the ability to analyze the market objectively. KiirAutoLaen itself was originally formed in 2007. Turnover for 2014 is 0.6 million EUR. Our biggest achievement so far is securing the trademark “Hupoteeklaen” and achieving a steady 50% financial growth of capital in 2014. Our company cooperates closely with our other projects: Kiirautolaen.eu – www.kiirautolaen.eu Hupoteeklaen.ee – www.hupoteeklaen.ee

3. Opportunity We are solving an important problem of Estonian market where banks are too conservative and slow in lending to customers and we are passionate about the possibility of changing that. The overall lending process in our company takes exactly 30 minutes of customer's time. The overall process in bank takes around two weeks of customer's time.

4. Market size According to recent research Estonian people are holing about 3.5 billion EUR in their bank accounts waiting to be deposited into more efficient places. Our potential client is anyone, who has a car and needs immediate funding.

5. Team Mihhail Tsistjakov 1.EBS International Business Administration - Bachelor Degree 2.TUT Business IT - Masters degree 3.TUT Law - Masters degree Business experience since the foundation of the company. Dmitri Tsistjakov 1.EBS International Business Administration – Bachelor Degree 2.Experience in Invest IN since 2011 Raul Randväli Auditor In addition to that we have other people, who are working in our offices in Tallinn and Narva. During the time of cooperation we have achieved a lot in terms of understanding our job and filling gaps of specialized skills. Funding will help us to further increase the amount of people evolved in the process.

6. Customers Our average customer is: Low-middle class person with secondary education, with salary up to 1 000 EUR. Mostly working in taxi companies, car washing, welding, construction field. It is possible to get up to 65% of car market price. Our clients are profitable because statistically our profitability from one client in one year is about 63% Statistically average duration of agreement is 10.4 months.

7. Go to Market We are planning to implement strategy which will help us to distribute our finances wisely. That is achieved by: 1.Expanding our client base by developing strong presence in social networks such as Facebook and vkontakte. 2.Launching a new website. www.kiirautolaen.ee 15 th of August.www.kiirautolaen.ee 3.Using latest technologies on our website to gain ranks in Google search engines. 4.Using ad stickers on our cars. 5.Moving to new office 15 th of August. 6.Receive a new financial license.

8. Competition Our main competitors are: Mogo OÜ, Autopant OÜ, Carbank OÜ, Autolaenud OÜ and several others. Our main advantages in contrast to our competitors is the speed and the experience in that field. In fact our loan approval process takes only 5 minutes of customer’s time. Competitors are equally developed as we are and it proves that there is an opportunity to surpass competition.

9. Financial situation Over the course of 7 years, our growth has been steady and in total we have achieved a steady 50% growth in 2015 if compared to 2014. Our projections for near future are positive and we are planning to increase the amount of money received from our average clients. Double the amount of client base.

10. Milestones As for now, we are in the break point moment because we are limited by the resources as 99,9% of our money is lend to our customers. We have more clients than we have money to give out. Our company is interested in sums starting from 5 000 EUR

11. Summary Today we have reached a break point in our business because 99,9 % of money is lend and we need investments mostly to give out new loans. We have achieved a steady growth of 50% a year. Our average client is bringing us 63% profit per year.

12. License Certificates

15. What do we offer? As mentioned before: We are interested in sums starting from 5 000 EUR. We are offering: Investment: Up to 6 months – 8% per year. 7-12 months – 9% per year. 12+ months – Contact us.

16. Thank you for attention! Contact Us : 1.Mihhail Tsistjakov 2.E-mail: info@kiirautolaen.ee info@kiirautolaen.ee 3.Mob. number: 55516682