Consumer insights and business opportunity

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2 Consumer insights and business opportunity High costs of FX 4-10% vs interbank exchange rate 2-3% of conversion fee Buying currencies ahead increase exchange rate risks Maintenance fees for currency subaccounts Costs of foreign currency transfers and withdrawals Operational costs for settlements with individual employees Risk management for business credit cards Cash advance and paper receipts - not integrated with existing accounting system

3 IgoriaCard multicurrency card Multicurrency account for: USD, EUR, USD, GBP, CHF, CAD, AUD, PLN, RUB, NOK, SEK, DKK, CZK, HUD, TRY, ILS, BGN, RON Low cost of foreign exchange 1-2% vs. 7-10% in a bank and card payment in 150 currencies Smart way to carry multiple currencies save time & money with one account multicurrency account for 17 currencies Easy access to the money Real-time exchange (during the card payment) on-demand in the online exchange ATMs Worldwide Online transactional web service 24/7, www, mobile ios & Android (app soon to be released)

4 Key benefit: Savings up to 12% 11,5% 7,6% 5,5% Payment in PLN Payment in USD Payment in EUR Comparison of payments made in Poland, EU and US by local UK banking card +12% +6,3% +0,5% +8,1% +3,9% +0,5% +6,1% +2,9% +0,5% Bank Exchange IgoriaCard Bank Exchange IgoriaCard Bank Exchange IgoriaCard

5 M/CHIP advance technology contactless payments (NFC) 17 currencies on a single card magnetic stripe card with chip nominative or nameless accepted in millions of locations all around the world (POS and ATM) Secure registration & KYC process (up to 15 mins) Types of Cards: Prepaid, plastic & virtual private & corporate BINs cards are issued directly by Igora Trade having highest licence from Mastercard Principal Member

6 IgoriaCard Flexible subaccounts, cards and users structure Master Account Sub Account 1 Sub Account 2 Subaccount 3 Individuals Family card for holiday travel Access to the same subaccount with different cards Personal card for family members individual spending limits and restrictions for each card Convenient fund access and currency saving f o whole family Pocket-money for teenagers Top-up of the teenager s card from parent (master) account. Personal teenager payment card Free and instant transfer regarding geographical distance with currency exchange. Optional ATM cash access and parental control options. Business Cards fleet management Issuing of multicurrency cards for employees. Top-ups from master account automatic limits or manual Administration web console for fleet management API form integration with 3rd party accounting and HR solutions Adding invoices to card history and history access for accounting/hr departments for employee costs settlement Individual form employees with corporate BIN and company name embossed.

7 IgoriaCard enhanced Travel Package Complete, personalized and secure financial, telecommunication and medical services package with single sign-on registration and mobile access. Mobile SIM card domestic rates for voice-calls and data transfer in Poland IgoriaCard multicurrency card to create savings on currency exchange, and safe payments Other services (optional) eg. medical package

8 B2B Services Partnership programme IgoriaCard offer available at partner s POS Revenue share model Potential partnership scope: HoReCa, Premium Fitness Clubs, Tour Operators Airports & Airlines, Car Rental, International Railway etc. White label service End-to-end implementation of payment service Deep integration with existing services Ready to use or dedicated Web Services Full support of card issuance: identity (KYC), personalisation, delivery and payments processing Potential partnership scope: Financial brokers, exchanges, payment services etc.

9 IgoriaCard MVP launched 12 march 2018 Worldwide trade show presence: World Travel Market, London 2017, Singapore Fintech Festival 2017, CES Las Vegas 2018, Money 20/20 Asia 2018, CEBIT Hannover 2018 and many more yet to come

10 The Team WOJCIECH KULIŃSKI CEO; 18 year experience in product & business dev. on financial market; Deutsche Bank Director of IT, Operations & Middle Office PAWEŁ JAGIEŁŁO Head of Marketing; 14 of experience with media and marketing on agency side DARIUSZ SKOCZEŃ Head of Operations; 23 years of experience in operations in banking sector (BGŻ BNP Paribas, Rabobank Polska, Kredyt Bank SA KBC group) NATALIA DĄBROWSKA Business Dev. - background in Fintech consulting, project concepts and budgets, documentation. WOJCIECH BRZEZIŃSKI CIO banking, pharmaceutical, and financial sectors experiency for many years. PIOTR BRUDNICKI Head of Compliance; specializes in the fraud risk management ANNA ZDŻALIK Deputy Head of Operations - involved in implementation of innovative financial products and supervises currency exchange settlements BENEDYKT KARCZ Head of Trading conducts sales activities and participates in product development and business projects. Strategic investor fintech oriented Principal Member license to issue payment instruments Card Processor IT System Contractor Payment card provider

11 Igoria Trade Principial Member Authorized Payment Institution regulated by Polish, UK, French & others FCA Public company, listed at the Warsaw Stock Exchange since 2011 European Payment Institution licensed in 31 European countries Issuer & Acquirer Mastercard Principial Member license Co-operation with 45+ European banks Compliance with global standards AML/CFT and full KYC procedure Succesfull services in Poland, UK, Norway, Ireland, Czech Rep. & Slovakia Developing services in Romania and Bulgaria Company Turnover EUR 150m in 2016 MasterCard Innovation for Poland funds for IgoriaCard product Participation in GO_GLOBAL Polish Gov. Program Participation in Go2Brand EUR 220k Polish Gov. Funding Project Subsidiaries in the UK (IgoriaTrade Ltd.) & US (Igoria Trade Inc.) Planned expansion in the US, Africa & APAC

12 order your card Wojciech Kuliński Chief Executive Officer Paweł Jagiełło Head of Marketing