ITF Group JSCInstant Targeted Financing

Our HistoryITF Group JSC is an innovative non –banking financial institution thatprovides large portfolio of financialservices to borrowers.

2015With the fast growth ITF Group JSC launched its offline brand GetCash

Steady Growth and Expansion

2014 As the brand grew SmileCredit launched its installment loan in the middle of the year

New products introduction

2013 In 2013 our first entirely online based brand was launched with its payday loan

SmileCredit brand was launched

2012 December 2012 ITF Group JSC was established

Company registration

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2016

GetCash brand was launched

ITF Group JSC has gained considerable market share in both online and offline markets and has served more than 35 000 customers EoY

2017

Innovation and process automation

Automated multi-factor credit matrix implementation

Vision

Using the opportunities on thelocal market, our companystrives to become one of thesystematically important non–banking financial institutions inBulgaria, which helps to securebetter access to financialresources for ordinary people.

Mission

Our mission is to be a modernnon-bank financial institutionwith the purpose to use fully itspositions on the local non-banking market with its mainfocus on the local activepopulation and/or pensioners.

Values

• Long – term perspective – aclear and working long – termprogram for the Company’sdevelopment

• Skills and experience• Good standing• Responsible relationships• Partnership – it stimulates

interconnection, mutualrespect and support

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Key Facts

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Profitable since launch

More than 96% customer

satisfaction

Presented online and offline

Six offices in major cities

Licensed and regulated by the Bulgarian National Bank

Key Figures

5

109

Number of

employees

4 500+

Credit applications

every month

77%

Avarage growth

per year

30%

New clients per

monthNarrow

Target

60 000

Number of loans

granted

40%

Approval rate

Core Competencies

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CORE

COMPETENCIES

Internal IT department integrates technologies needed to achieve maximum

automation and effectiveness

AUTOMATION

Gathering knowledge with experience to

achieve more

TEAMWORK

Company platform and all supporting tools are internally developed with deep business

know-how and technology craftsmanship

PROPRIATERY TECHNOLOGY

Credit risk balanced management resulted in revenue from first year on

BORROWING CONSERVATISM

Being an online loan provider and at the

same time having a network of offices

and consultants gives us the unique

advantage of studying digital behavior of

our customers while being next to them

SINERGY

Experience and expertise in online acquisition and provision of services

DIGITAL EXPERTISE

Automation

Borrowing

conservatism

Sinergy

Teamwork

Propriatery

Technology

Digital

Expertise

Our Products by Brands

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Payday Loan – up to 30 days

Installment Loan – up to 12 months

Weekly Installment Loan – weekly

repayment loans up to 43

installments

Credit Advance – 15 day

repayment loans up to 20

installments

Monthly Loan – monthly repayment

loans with up to 12 installments

Retirement Loan – monthly

repayment loans for retired people

with up to 12 installments

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02

04

01

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Loan Originatinations*

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ITF Group JSC averages 77% growth in

sales annually

Yearly average growth

77%

200 000

2 200 000

4 200 000

6 200 000

8 200 000

Year 2013 Year 2014 Year 2015 Year 2016 Year 2017(estimate)

*Amounts are in EUR

Revenues*

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ITF Group JSC averages 103% growth

in annual revenues

Yearly average growth

103%

0

500 000

1 000 000

1 500 000

2 000 000

2 500 000

3 000 000

3 500 000

Year 2013 Year 2014 Year 2015 Year 2016 Year 2017(estimated)

*Amounts are in EUR

Customer Profile

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CUSTOMER BY GENDER

48% 52 %

AVERAGE CUSTOMER AGE

18-25

26-40

41-55

56+

Why Us?

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We in ITF Group believe that the future of lending and investing isbased on the prospective of non – boundaries approach to customersneeding financial help and investors seeking higher returns. We thinkthat anyone should be allowed access to financial help irrespective ofhis/hers employment status and credit record. Our mission is to standagainst financial exclusion of certain social groups and by doing thatwe bring you closer to your needs. On the other hand, by usinginnovation and technology, our company aims to provide investorswith a portfolio of loans that secures low risk and higher yields.

Address: “Alexander

Stamboliyski” blvd. 84-86,

Sofia, Bulgaria

Email: office@itfgroupbg.com

Phone: (359) 2 9042424

Contact Us

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ITF Group JSC is a private company registered in EU.