Consumer Online Finance - Presentation by Chris Öhlund, CEO of Verivox at the NOAH 2014 Conference in London, Old Billingsgate on the 13th of November 2014.

3. if the rate of change on
the outside exceeds the
rate of change on the
inside, the end is near
““
Jack Welch

4. VERIVOX OVERVIEW
The leading German online comparison portal
Invented OCP energy
switching in Germany
1 million+ switches in 2013 with
c.42 million customer visits
Over 50% of traffic
generated free –
direct or generic SEO
“Best in Class”
and
“#1 Service Quality”
Providers pay c.40% less
commission per switch
than via offline channels
Top Rated OCP Best Energy OCP
TÜV-certified
service qualityWebsite of the Year 98% Positive feedbackBest in Class

5. 33
52
28
151
90
Germany 2013
€113m Energy and
Telco commission market
Leveraging 6m customers to change the company‘s
playing field from Energy and Telco with strong double
digit growth prospects...
Telco
Broadband
1999
Electricity
2000
Telco
Mobile
2000
Gas
2007
Insurance
1st iOS App
2012
Banking
2013
Real estate
Brokerage-free
2014
Heating energy
Smart TV App
2013
33
52
28
151
90 Electricity
Gas
Telco
c.€113m

6. Electricity
Gas
Telco
€241m largely untapped
market for Verivox
...to double the addressable market
and go for a triple-digit growth opportunity
in Insurance and Banking
Germany 2013
Telco
Broadband
1999
Electricity
2000
Telco
Mobile
2000
Gas
2007
Insurance
1st iOS App
2012
Banking
2013
Real estate
Brokerage-free
2014
Heating energy
Smart TV App
2013
33
52
28
151
90
33
52
28
151
90
c.€241m
Insurance
Banking

7. TOTAL
MARKET SIZE
Germany 2013
33
52
28
151
90 Electricity
Gas
Telco
Insurance
Banking
c.€354m
GERMANY
2013
€354m
€754m
GERMANY
2017f
UK
2013
>€1bn
2

8. Acquired the #2
car insurance
OCP brand and
overall #3 OCP
in 2014
THE VERIVOX
GROUP
Fast-track growth in new verticals
Deal platform for seasoned consumers
Talent and competence
To accelerate growth in new verticals Verivox seized
opportunities in a consolidating market
Dominant
market leader in
Energy
switching
Acquired by
Verivox
Brand acquired
by Verivox

9. 0%
10%
20%
30%
40%
50%
60%
Jun
12
Jul
12
Aug
12
Sep
12
Oct
12
Nov
12
Dec
12
Jan
13
Feb
13
Mar
13
Apr
13
May
13
Jun
13
Jul
13
Aug
13
Sep
13
Oct
13
Nov
13
Dec
13
0.2
0.4
0.6
0.8
1.0
1.2
1.4
1.6
1.8
0
IndexedofflineMarketingspend
%sampleawareof
Verivoxbrand
24%
32%
39%
51%
Total marketing spend Brand awareness
Lower marcom in
off-peak season
We changed our go-to-market tactics
Introduction of above-
the-line marketing1 Introduced
TV campaigns3Launched football
sponsorships2

10. Building a household brand
Reducing reliance on Google
Visits transactions
Week in October, 2013 Week in October, 2014
+18%
+39%

13. Our customers want
OUR NEW
PRODUCTS &
SERVICES
2012 2013 2014
*YTD October results for 2012 - 2014
REVENUE GROWTH OF
84%WITHIN TWO YEARS*
+31%
+40%

14. 10%
20%
30%
40%
50%
60%
70%
2012 2013 2014
Recommendation of VX as employer
Wish to leave VX within one year
60%
65%
70%
75%
80%
85%
2012 2013 2014
Overall Satisfaction with work
DRIVING CHANGE EFFECTIVELY
MOTIVATES, DELIVERS PURPOSE AND
PROVIDES INTERNAL DIRECTION