Demo Day– June 3 2016

Low financial penetration rate for both MSME and consumer, yet huge upside potential awaits

IDN IND SG TH MAL

10%22%

61%80% 85%

Consumer Loan to GDP

IDN IND SG TH MAL

40% 51%

132%159%

125%

Business Loan to GDP

there are 57% of Indonesian people

who borrowed money for any

reason and from any source in the past

12 months

Financial

InstitutionFriends & FamiliesInformal Lender

13%3%

42%from

Sources : Bank Indonesia , World Bank Statistics

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Lack of investment alternatives that allows retail & institutional investors to invest small amounts of monies in short term + well structured /secured + high yields

Low retail investor base given risk averse nature of majority of Indonesian

High barrier to entry for retail investors in terms of nominal and fees

Limited and too complex product range for “man on the street” segment

Deposit interest rates + inflation = low/negative real interest rates

Key Proposition

Small minimum investment size with short tenor

High yield with clear underlying transaction (ie invoice , payroll)

No initial investment fee thru online platform

Many investors to one loan = risk diversification

Key Issues

Investor Problem: barrier to entry for individuals to invest

3Sources : Oliver Wyman & Mandiri Institute – Financial Deepening 2015

Introducing Investree! game changer in the financial landscape

is Indonesia’s online Marketplace that connects consumers who wants to invest directly with businesses and other individuals who wants to borrow money for personal or business.

o We are the 1st Indonesian P2P Marketplace for Personal & Business Loanso Led by seasoned professionals with real market experienceo We enhance yield for investors while making it more affordable and accessible for borrowerso We use a combination of traditional and behavioral scoring models to assess borrower credit

worthinesso We facilitate thru partner banks the flow of funds and documents to ensure secured &

seamless digital transactions – Investree don’t hold monies

Key Proposition for Borrowers

Attractive rates by matching borrowers

directly with their respective lenders

Competitive RatesSimplicity100% online, signing up and applying for loan is

quick and easy

SpeedBorrowers can now enjoy

a streamlined loan application process and

get funded within a week

A sensible solution that enhance yield for investors while making it more affordable for borrowers.

Key Proposition for Lenders

Disclosure of borrower’s credit information to

allows lenders to make informed lending

decision

TransparencySecured TransactionEvery fund movement is

handled by our reputable bank partner to ensure peace of mind in transacting through us

By connecting you directly with borrowers, you earn full amount

of interest paid by borrowers

Better Returns

All loans are governed by legally binding and enforceable contracts according to Indonesian Law

Our Financing Solution!P2P Lending for Business P2P Lending for Employee

Product Invoice Financing B2B Employee LoanTarget Market SME Business Employee &

Contract Worker

Loan Purpose Working Capital MultipurposeTenure Up to 12 month Up to 12 monthPayment Bullet Payment Installment

Indicative Pricing 14% - 20%* effective pa

1.2% - 2.5% flat per month*

Collateral Invoice + post-dated cheque + PG

Unsecured

Repayment Source Invoice Payment Salary DeductionFunding Period 14 days 5 days

*Based on Credit Risk Scoring

As simple as 1-2-3, lenders can choose which project to fund based on their own risk appetite

Each project is completed with detail fact sheet of the borrower, giving lenders comfort level to shop

Management Team – Combined 60 yrs of professional experiences with proven track record

Completed his bachelor degree in Faculty of Economics in University of Indonesia and MBA at Rotterdam School of Management

Last role as Director of Retail Banking at Bank Muamalat Indonesia, managing SME, Consumer, Micro, Liabilities & e-banking across 400 branches

Trained as banker since the beginning, Adrian was all too aware with the difficulties of getting financial access from formal institution, he knew that there must be a better way. By creating Investree, he’s putting all his banking experience to digitalize financial inclusion and help businesses and individuals

Completed his bachelor degree at University of Wisconsin – Madison and MBA at University of San Francisco

Previous role asHead Retail Risk at Bank Danamon. Dedes has broad experience in risk and operation strategy across diverse range of financial

institutions. As a fintech startup, Investree is no different compared to a financial institution, it’s a business of risk, and he’s ready to manage it for investor’s best interest.

Completed his bachelor degree in University of Michigan – Ann Arbor An eclectic by nature, Dickie has broad experience in executing digital business

transformation in several biggest national companies, such as Astra and Telkomsel. One of the first Big Data evangelist, he’s experienced in leveraging data to drive various business outcomes. As a tech company, Dickie will further enhance Investree business acumen.

Adrian – Co-founder

Dedes – CRO

Dickie – CIO

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As of 30 May 2016:Average Funding Period: o 5 days

Average Return to Lenders:o 16.7% p.a.

Defaulto 0 Loans

Portfolio Highlights – per May 30,2016

#Semuabisatumbuh

www.investree.id

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Appendixwww.investree.id

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