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Lunch WiFi Name Badge Europe 2014 Smartphone App Networking Media Webcast Break Partner November 17, 2014 155 Bishopsgate,

1 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 2 Special Thanks to our Sponsors Welcome to LendIt Europe, 2014! Platinum Welcome to the first edition of LendIt Europe - Europe’s largest gathering of P2P lending firms and investors.

This inaugural event will bring together approximately 400 attendees, 50 speakers and 26 sponsors from 28 unique countries.

This is an exciting time for the P2P lending industry with so much change happening and such rapid growth in our industry.

We are honored that you have chosen to spend the day with us, and we will do everything Gold possible to make your experience at LendIt Europe enriching, fun and commercially successful. Do not hesitate to let us know if there is anything we can do to assist you now or in the future.

Enjoy the event! The LendIt Team

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Peter Renton Jason Jones Bo Brustkern LendIt, Chairman Co-Founder Co-Founder Cocktail Breakfast Exhibitors Party

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Lunch WiFi Name Badge Joy Schwartz Lisa Jones Kat Santiago Nora Steinman Vice President of Events Director of Delegate Affairs Web Developer Communications Manager

Smartphone App Networking Media Webcast Stay in touch with us! Wi-Fi Login Details Break Partner Sponsored by Lend Academy lendit.co #lenditeurope @LendItConf network: lendituk2014 password: lendituk

1 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 2 Table of Contents Navigating the Conference

Inspiring Keynotes Interactive Panel P2Ps top CEOs and Discussions investors discuss where When 4 opinions are the marketplace is headed better than one. Compare and how P2P can pick up and contrast platforms. where other industries Identify growth markets. have dropped the ball. Make sense of recent regulatory changes. Conference Program...... 5-8

Keynote Speakers...... 9-11 Company Demos An Off-the-Record, Showcasing the Best Anything Goes Q&A Zone Party Information...... 12 Emerging Platforms Have a burning question? Get access to the Follow our presenters into Floorplan...... 13-14 most innovative and Bishopsgate 1 for an cutting-edge products. intimate Q & A session. Speakers...... 15-29

Sponsors & Exhibitors...... 31-41 An Exhibition Showcasing Extensive Networking the Industry’s Top Platforms Opportunities Participating Companies...... 42 and Suppliers Make the most out of every Take your time and get to coffee break, meal and drinks Stay Connected...... 43 know all of our exhibitors. reception. Download the Visit their booths for the event app to engage with Networking App...... 46 most up-to-date product attendees and schedule information and giveaways. private 1-on-1 meetings. LendIt New York City...... 48

Stay Connected Do you have colleagues that were unable to attend LendIt Europe? Spread the word. They can watch the live streamed content, view the live photo feeds, read the event blog and follow us on Twitter for non-stop LendIt updates.

lendit.tv lendit.co/photos blog.lendit.co

3 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 4 Morning Conference Program

BEGIN END PANELS & PRESENTATIONS Q&A SESSIONS COMPANY DEMOS Broadgate Bishopsgate 1 Bishopsgate 2

9:00 - 9:05 Opening Remarks Peter Renton, Lend Academy

9:05 - 9:25 Why P2P Lending is a Good Thing Rhydian Lewis, RateSetter

9:25 - 9:45 A Banking Analyst’s Perspective on P2P Cormac Leech, Liberum

9:45 - 10:30 Trends in UK Consumer P2P Lending 9:45 - 9:52 CreditSquare Giles Andrews, Peter Behrens, RateSetter 9:55 - 10:02 Nicholas Harding, Lending Works Moderator: Simon Champ, P2P Capital Solutions 10:05 - 10:25

10:30 - 10:50 Morning Tea

10:50 - 11:10 Global Lessons in Marketplace Lending to Small Businesses Samir Desai, Funding Circle

11:10 - 11:55 Supporting Small Businesses with P2P Lending Giles Andrews, Zopa 11:10 - 11:17 LendInvest Kevin Caley, ThinCats Peter Behrens, RateSetter Angus Dent, ArchOver Nicholas Harding, Lending Works 11:20 - 11:27 TrustBuddy Samir Desai, Funding Circle Moderator: Simon Champ, P2P Capital Solutions Nicola Horlick, Money&Co. 11:30 - 11:37 Bondora Anil Stocker, MarketInvoice Moderator: Cormac Leech, Liberum 11:40 - 11:47 auxmoney

12:00 - 12:45 Property Investing: The Next Frontier Kevin Caley, ThinCats 12:00 - 12:20 RateSetter Christian Faes, LendInvest Angus Dent, ArchOver John Goodall, Landbay Samir Desai, Funding Circle 12:25 - 12:45 GLI Finance Ltd. Luke Jooste, Funding Circle Nicola Horlick, Money&Co. Stuart Law, Anil Stocker, MarketInvoice Graham Wellesley, Wellesley & Co. Moderator: Cormac Leech, Liberum Moderator: John Corey, Property Fortress

12:45 - 13:45 Lunch

5 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 6 Afternoon Conference Program

BEGIN END PANELS & PRESENTATIONS Q&A SESSIONS COMPANY DEMOS Broadgate Bishopsgate 1 Bishopsgate 2

13:45 - 14:30 The State of P2P Lending in Continental Europe Christian Faes, LendInvest 13:45 - 13:52 Orchard Charles Egly, Prêt d’Union John Goodall, Landbay Raffael Johnen, auxmoney Luke Jooste, Funding Circle 13:55 - 14:02 Ablrate Heikki Koivu, Fixura Stuart Law, Assetz Capital Michele Novelli, Prestiamoci Graham Wellesley, Wellesley & Co. 14:05 - 14:12 Lending Works Cédric Teissier, Finexkap Moderator: John Corey, Property Fortress Moderator: Claus Lehmann, P2P-Banking.com 14:15 - 14:22 Pollen.vc 14:35 - 14:55 Peer-to-Peer Lending, Born in a Barn Giles Andrews, Zopa

15:00 - 15:40 Challenges of Cross-Border P2P Lending Charles Egly, Prêt d’Union 15:00 - 15:07 ArchOver Sebastian Hagman, TrustBuddy Raffael Johnen, auxmoney 15:10 - 15:17 CircleBack Lending Christoph Rieche, iwoca Heikki Koivu, Fixura Dominik Steinküehler, Michele Novelli, Prestiamoci 15:20 - 15:27 MarketInvoice Pärtel Tomberg, Bondora Cédric Teissier, Finexkap Moderator: David Stevenson, AltFi Moderator: Claus Lehmann, P2P-Banking.com 15:30 - 15:37 Assetz Capital

15:40 - 16:00 Afternoon Tea 16:00 - 16:30 Leading Innovation at Big Bank Scale Nigel Morris, QED Investors

16:30 - 17:10 What the Arrival of Institutional Investors Means for Europe Sebastian Hagman, TrustBuddy 16:30 - 16:37 Cloud Lending Etienne Boillot, Christoph Rieche, iwoca Shepherd Capital Prêt d’Union Simon Champ, P2P Capital Solutions Dominik Steinküehler, Lendico 16:40 - 16:47 Geoffrey Richard Miller, GLI Finance Ltd. Pärtel Tomberg, Bondora 16:50 - 16:57 rebuildingsociety.com Charles Moldow, Foundation Capital Moderator: David Stevenson, AltFi Moderator: Matt Burton, Orchard 17:00 - 17:07 Lendico

17:10 - 17:40 A Glimpse of the Future: Next Generation P2P Lending Models Etienne Boillot, Shepherd Capital 17:15 - 17:22 Liberum David Bradley-Ward, Ablrate Simon Champ, P2P Capital Solutions Martin Macmillan, Geoffrey Richard Miller, GLI Finance Ltd. 17:25 - 17:32 Afluenta Pollen.vc, Radoslav Albrecht, Bitbond Charles Moldow, Foundation Capital Moderator: Jason Jones, Lend Academy Moderator: Matt Burton, Orchard 17:40 - 18:00 The Voice of the People: Insights from the Latest Peer-to-Peer Lending Research Bryan Zhang, University of Cambridge 18:00 - 19:30 Networking Reception

7 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 8 Keynote Speakers Keynote Speakers

Giles Andrews is CEO of Zopa, the world’s first and Europe’s Cormac Leech is the lead banks and other financials analyst at leading P2P lending business, which is currently enjoying growth of Liberum. Over the last two years he has been actively involved over 100% year on year. Zopa has now lent more than £600M and in P2P, helping some of the leading platforms raise both equity reached over 1% market share in UK personal loans. It has also been and debt capital. Cormac has been a banks analyst for over 10 voted “Most Trusted Personal Loan Provider” in the Moneywise years spending time previously at JPMorgan and RBS. Prior to his Customer Awards for the past 4 years in a row and won Moneyfacts time in equity research, Cormac worked as a strategy consultant “Best Personal Loan Provider” and “Best Customer Service” awards at McKinsey advising financial institutions and also has 5 years in 2014. In January 2014 Zopa raised £15M growth equity from experience structuring fixed income derivatives at Citigroup. Arrowgrass Capital Partners. In December 2012, the Government Cormac holds a first class honours degree in Mathematical confirmed its intention to lend £10M through Zopa as part of the Science from University College Dublin; an MSc in Business Finance Partnership. Computation from Oxford University; an MBA from INSEAD and is a CFA charterholder. Giles spent the first ten years of his career pursuing all things automotive. This included co-founding Caverdale in 1992, a start-up taken to a £250M revenue motor retailer and sold in 1997. After an MBA at INSEAD he ran his own consultancy business whose clients Giles Andrews included Tesco and Tesco Personal Finance and which also Cormac Leech Co-Founder & CEO, Zopa provided start up advice and early stage funding for new Equity Research, Liberum businesses, until co-founding Zopa in 2004. Giles also holds an Peer-to-Peer Lending, Born in a Barn MA in experimental psychology from Oxford University. A Banking Analyst's Perspective on P2P

Broadgate 14:35 hrs Broadgate 9:25 hrs

Samir is responsible for driving the company strategy, overseeing Rhydian Lewis is founder and CEO of the UK’s fastest growing the company’s finances and managing the day-to-day operations peer-to-peer (P2P) lender, RateSetter. Together with COO Peter at Funding Circle. Samir has worked extensively in the financial Behrens, he launched the business in 2010 to offer consumers an services sector. alternative to traditional savings and loans. In spring 2010, they were joined by CTO and internet veteran, John Gillespie. Since then the Before founding Funding Circle, Samir was an Executive at business has grown exponentially: in August 2011 RateSetter was a Olivant, a private equity investor in financial services businesses founding member of the Peer-to-Peer Finance Association; in March in Europe, the Middle East and Asia. Prior to this, Samir was a 2014 RateSetter became the UK’s largest P2P lender by monthly management consultant at BCG, advising a number of major volume. Prior to founding RateSetter, Rhydian spent six years at UK and global banks and insurers on strategy, new product Lazard, the financial advisory firm. Prior to joining Lazard, Rhydian initiatives, and operational efficiency. worked at Betfair, the world’s largest internet betting exchange. Rhydian’s objective in setting up RateSetter was to create an online marketplace for interest rates that could reduce the gap between what savers earn and what borrowers pay. Through Rhydian’s leadership RateSetter has pioneered many firsts in the industry, notably its Provision Fund which has a 100% track record of Samir Desai delivering for RateSetter’s savers. RateSetter has been at the Rhydian Lewis Co-Founder & CEO, Funding Circle forefront of the industry’s move towards FCA regulation and its Founder & CEO, RateSetter upcoming inclusion within ISAs, developments which are Global Lessons in Marketplace Lending establishing confidence in the model and accelerating its growth. Why P2P Lending is a Good Thing to Small Businesses Broadgate 10:50 hrs Broadgate 9:05 hrs

9 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 10 Keynote Speakers

Nigel Morris is the managing partner of QED Investors, a direct investment fund focused on high-growth companies that leverage the power of data strategies. Nigel works in an advisory capacity with General Atlantic Partners and Oliver Wyman Consulting. He serves on the board of numerous for-profit companies, including Red Ventures, Klarna, CAN Capital, Media Math, Prosper and borro. He is also on the board of the Brookings Institution, National Geographic, ideas42, and the London Business School. Previously, Nigel co-founded Capital One Financial Services (COF) in 1994. Under Nigel’s leadership, COF pioneered an information-based strategy that fundamentally transformed the consumer lending industry. During Nigel’s ten-year tenure, COF’s net income after taxes grew at a compound annual rate of more than 32%. Over this same decade, earnings per share growth and You’re invited to return on equity both exceeded 20% per year, a financial performance attained by only a handful of American companies. Nigel Morris Nigel has a BSC in Psychology from the East London University and Managing Partner, QED Investors a MBA with distinction from London Business School. Keep on Networking! Leading Innovation at Big Bank Scale Broadgate 16:00 hrs The fun doesn’t end with the closing speaker.

Bryan Zhang is a PhD Researcher in & Alternative Join Landbay in the expo hall for drinks & hors d’oeuvres at 18:00 hrs. Finance at the University of Cambridge. Focusing on start-ups and SMEs, his research examines the economic geography of investment crowdfunding and peer-to-peer business lending in the United Kingdom. Bryan is a co-author of three industry reports on the state of alternative finance both at national and international levels. He has advised and consulted for numerous businesses, social enterprises and institutions including the Royal Society of Arts, British Business Bank and the European Commission.

Bryan is also a Research Associate at the Centre for Innovation in Entrepreneurial and Social Finance, University of California, Berkeley.

Bryan Zhang PhD Research, Alternative Finance Expert, University of Cambridge Voice of the People: Insight from the Latest Peer-to-Peer Lending Research Broadgate 17:40 hrs

11 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 12 Floorplan

Exhibitors

1 First Associates 12 XINXINDAI Bishopsgate Bishopsgate  Speaker Company 2 RateSetter 13 Jumio Q & A Demos 3 Assetz Capital 14 Panmure Gordon & Co.

4 Funding Circle 15 TrustBuddy Register Here 1 2 3 5 Zopa 16 MarketInvoice Enter Here Catering 6 rebuildingsociety.com 17 Cloud Lending 21 18 Madiston Orchard 17 7 18 4 6 16 Catering 8 GLI Finance Ltd. 19 CircleBack Lending 15 19 20 9 FundingKnight 20 LendInvest 5 10 iwoca 21 Bovill Key: 14 UK Bond Network Logic Glue 22 11 22 12 13

Registration Desk 11 Catering Networking Lounge Exhibition Stands 10

9 8 7 Event Structure Catering Points Broadgate 1 & 2 Keynotes and Panels Bishopsgate 1 Q & A Sessions Media Walls Bishopsgate 2 Company Demos The Expo Meet LendIt Europe’s sponsors & exhibitors, Broadgate relax in the networking lounge, recharge during Networking Lounge Plenary food and beverage breaks

13 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 14 Speakers Speakers

Radoslav Albrecht, Co-Founder & CEO, Bitbond Broadgate, 17:10 hrs David Bradley-Ward, Director, Ablrate Broadgate, 17:10 hrs

Radoslav is the Co-founder & CEO of Bitbond. Based in Berlin, Bitbond is a global After serving as an Engineer in the Royal Air Force, David entered the financial services peer-to-peer lending platform for the digital currency bitcoin. By leveraging the main industry and eventually funded a highly successful commodities trading company which advantages of bitcoin - global instant money transfers at near zero cost - Bitbond creates he later sold. Qualified by the Chartered Institute for Securities & Investment in Corporate a global loan market. Users from all around the world get access to borrowing and lending Finance, Financial Regulation and Securities, David has worked alongside a number of independently of banks and bank accounts. Before founding Bitbond, Radoslav advised companies raising finance and structuring transactions in the UK and worldwide. Combining banks and automotive companies in restructuring and refinancing situations at Roland his passion for finance and aviation, David conceived the initial idea for Ablrate. David has Berger Strategy Consultants. His geographical scope included Europe and Sub-Saharan worked closely with the developers to design the infrastructure and functionality of the Africa. Prior to that he worked in structured equity for Deutsche Bank London. Radoslav platform and is responsible for the day to day implementation of the technological published bitcoin related articles in Bitcoin Magazine and CoinDesk and has a background development of Ablrate and the overall strategy of the company along with the Board in economics. of Directors.

Peter Behrens, COO, RateSetter Broadgate, 9:45 hrs Matt Burton, Co-Founder & CEO, Orchard Broadgate, 16:30 hrs

Peter trained as a lawyer at Ashurst, before leaving to join RBS as a banker. As COO, Peter Matt Burton has spent his entire career helping build, scale, and optimize the internet’s top leads the business development of RateSetter as well as being responsible for the advertising exchanges (Google, Admeld, LiveRail) and has overseen trillions of transactions. company’s day-to-day operations. “I qualified as a solicitor in the City with a firm called He was the #7 employee at Admeld ($400 million dollar exit to Google in 2011) and has Ashurst and spent 6 years learning my legal skills. I then moved into banking with RBS and worked in Product, Operations, Technical Support, Business Development, Sales more recently with Laxfield Capital. Banking was interesting and even fun, but ultimately the Engineering and Sales roles. After Google, Matt joined LiveRail (a video platform that sold appeal of being able to shape an innovative new company was incredibly appealing. to Facebook for $500 million in 2014) where he was further involved in programmatic ad Rhydian approached me with his vision of how peer-to-peer finance could be simplified buying. In 2013, Matt founded Orchard Platform when he joined forces with his co-founders and the difference we could make and his argument was so compelling that I had to get by combining his expertise in auction dynamics and bidding behaviors, with their extensive involved. Having worked in the banking industry we were both familiar with the inefficiencies knowledge in credit risk and underwriting analytics. He is a three time Texas State Tennis of the big institutions and so we have tried to give people a tool that can work better than Champion and loves racket sports. the centuries-old status quo, and I think RateSetter really is that tool. Peter sits on the Board of RateSetter. Kevin Caley, Managing Director, ThinCats Broadgate, 11:10 hrs

Etienne Boillot, General Partner, Shepherd Capital Broadgate, 16:30 hrs Kevin has been managing early stage venture capital funds for 30 years. In November 2009 during discussions with a group of private co-investors about the problems caused by the Mr. Boillot is a private investor with over 25 years of investment experience. He is currently ‘credit crunch’ he identified the need for a way to bypass banks and make secured loans General Partner of Shepherd Capital a Luxembourg-based single family office which he directly to businesses. The result was the p2p lending platform ThinCats.com operating as founded in 2010 as well as BG Finance SA. Shepherd and BG Finance are active participants an investment club for serious investors and seeking to provide a new type of low risk, non in the alternative finance lending markets in the US, UK, France, Spain, Italy and Africa. BG volatile asset class whilst providing much needed loan funding for businesses. ThinCats Finance is a direct investor in UK alternative lending. Mr. Boillot is also involved as a direct uses traditional ‘relationship banking’ techniques rather than automated credit scoring to equity investor in a number of alternative lending platforms in Europe, the US and Asia. make secured loans in the range £50k to £3m. Now with a 4 year lending track record, less Prior to that Mr. Boillot co-founded two early-stage venture funds in the United States. than 1% losses and loans totalling £80m, ThinCats has been operating profitably for more Mr. Boillot’s background in finance originated at the First Boston Corporation, where than 2 years. he worked both in the mergers & acquisitions department and fixed income sales and trading. Mr. Boillot received an MBA from Stanford Uni-versity (1986) and a BA from Dartmouth College (1981).

15 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 16 Speakers

Simon Champ, CEO, P2P Capital Solutions Broadgate, 9:45 hrs

Simon is the CEO of P2P Capital Solutions, a UK listed permanent capital vehicle dedicated to peer-to-peer lending, that he co-founded alongside three other colleagues. Simon has nineteen years’ experience in banking as a Director of Equity Sales and Equity Capital Markets at Dresdner Kleinwort, JP Morgan Cazenove and most recently Liberum Capital. As a founder and previous board member of Liberum Capital, Simon was part of a number of innovative transactions in the equity space and has advised many new technology companies in equity and debt raisings. Simon has been at the forefront of the UK peer-to-peer industry as both an investor and adviser for many years and has helped built extensive relationships with many of the leading peer-to-peer platforms across the world.

LendInvest is the world’s largest Alejandro Consentino, Founder & CEO, Afluenta Bishopsgate 2, 17:25 hrs Alejandro Cosentino is the Founder and CEO of Afluenta, the leading and most active peer-to-peer lending community across Latin America. Alejandro has extensive peer-to-peer marketplace for experience in innovation and implementation of financial services and technology businesses. He played a critical role in the revamp of American Express Latin America and Caribbean during the ‘90s and in the successful transformation of Banco Rio before be- ing acquired from Banco Santander. He also created StarMedia Gratis1 (first free ISP across real estate mortgages. Latin America) and VOY Music (first online Latin radio) designing revolutionary cross-border services. Previously, he was Executive Director of The Exxel Group (Latin American LBO). Alejandro has a BA and CPA from Universidad Católica Argentina in Buenos Aires.

John Corey, Founder, Property Fortress Broadgate, 12:00 hrs

John Corey started his career in technology. Specifically, he was a software engineer in Silicon Valley back when tech was not cool. While working in the valley, John started to invest in real estate. Over the subsequent 30 years, the portfolio grew. Today, John is a 0800 130 3388 multinational residential landlord with a portfolio spanning 11 timezones; Hawaii to London. [email protected] More recently John has launched PropertyFortress.com. The company provides online training and is in the early stages of launching a UK residential REIT. Crowd funding has been used to raise seed capital for the online course catalog and funding apps for deal evaluation. www.lendinvest.com

Angus Dent, CEO, ArchOver Broadgate, 11:10 hrs

Angus conceived the concept of ‘crowdlending with insurance’ in late 2012. By 2013 he had founded ArchOver and attracted a highly experienced team to develop the concept and build the technology platform. In early 2014 the team secured investment, both equity in the company and lending over the platform from Hampden Ltd. Angus qualified as a Chartered Accountant with Price Waterhouse. He has helped build a number of technology businesses, holding senior directorships in these AIM and TSX listed companies. Angus was CFO of OneClickHR PLC (1999 - 2006), which was floated in May 2000 and provided human resources software to small and medium sized enterprises - the company was sold to ADP. He was CFO of Synchronica (2006 - 2011) followed by CEO of Synchronica (2011 - 2012).

17 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 18 Speakers Speakers

Charles Egly, Co-Founder & CEO, Prêt d’Union Broadgate, 13:45 hrs Nicholas Harding, Founder, Lending Works Broadgate, 9:45 hrs

Charles Egly has more than seven years experience at BNP Paribas, initially as a product After spending the last decade in the financial services industry and studying computer developer in the Private Banking / Asset Management department in Hong Kong and science at university, Nicholas founded Lending Works. Lending Works was founded with subsequently in structuring credit derivatives in the Paris Fixed Income department. the belief that financial services should be fair, safe and trusted. Lending Works directly connects customers with each other, offering outstanding investment returns to lenders and Charles EGLY graduated from HEC, Paris. low cost, flexible personal loans to borrowers; and using the Lending Works Shield, Lending Works provides unrivalled protection to lenders. The Lending Works Shield is an industry first - we have insured against the risk of borrower default to give our lenders peace of mind. Lending Works is now matching loans of more than £1m per month and the relative growth we are experiencing is unrivalled in the UK consumer focused p2p lending market.

Christian Faes, Co-Founder & Director, LendInvest Broadgate, 12:00 hrs

Christian is Co-Founder of LendInvest, an online marketplace for mortgages, and one of the Nicola Horlick, CEO, Money&Co. Broadgate, 11:10 hrs fastest growing UK P2P platforms. Christian is also a partner at Montello Capital Management, one of the leading real estate asset managers in the UK, and has 3 funds with Nicola Horlick is one of London’s best known figures. During her thirty years as an over £120m under management. He is also a qualified lawyer with corporate finance and real investment manager, Nicola has set up and managed several high profile investment estate experience. businesses, including Morgan Grenfell Asset Management where funds under management increased from £4 billion to £22 billion under her tenure. Nicola then set up SG Asset Management where the initial target for funds under management of £5 billion in five years was reached after two years and within three years funds under management reached £7 billion. In addition to being CEO of Money&Co., Nicola chairs a private equity and fund management business, is CEO of a film development venture and director of an NHS Foundation Trust. John Goodall, Co-Founder & CEO, Landbay Broadgate, 12:00 hrs

John is CEO and co-founder of Landbay. Landbay is the only peer to peer platform in the UK to operate solely within the British residential buy-to-let mortgage market. Landbay was launched in May 2014. Raffael Johnen, Co-Founder & CEO, auxmoney Broadgate, 13:45 hrs Previously, John co-founded and managed a leading international financial services Raffael is Co-founder and CEO of www.auxmoney.com, a marketplace enabling German executive search business. John has also spent 3 years teaching economics and has also private consumers to secure personal loans funded by private and institutional investors, worked for one of Europe’s leading institutional stockbrokers. John holds an MBA from thereby eliminating the high cost and complexity of traditional bank lending. Imperial College, London and a BA (hons) in Economics from Durham University. Prior to auxmoney, Raffael was a Vice President at Rothschild Investment Banking in Frankfurt, responsible for M&A and debt advisory. He also co-founded Excellion Capital, a successful corporate finance and investment firm based in London. Sebstian Hagman, Chief Investment Officer, TrustBuddy Broadgate, 15:00 hrs

Sebastian Hagman joined TrustBuddy in September 2013. Mr. Hagman holds a degree in Finance and Accounting from Bond University in Australia. Mr. Hagman is currently based in London where he has enjoyed most of his career in investment banking with companies such as Calyon and Credit Suisse. Mr. Hagman overseas investments, product innovations and geographical footprint of TrustBuddy.

19 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 20 Speakers Speakers

Jason Jones, Co-Founder & Partner, Lend Academy Broadgate, 17:10 hrs Stuart Law, Founder & CEO, Assetz Capital Broadgate, 12:00 hrs

Jason Jones is a Co-Founder and Partner at Lend Academy Holdings, a media and Stuart is the CEO and founder of the Assetz group of companies. Stuart is a serial investment services holding company in the P2P and online lending sector, where he leads entrepreneur and a highly experienced businessman having run his own businesses for portfolio management and product development. Lend Academy Holdings owns Lend over 30 years. He founded Assetz Capital as a solution to the shortage of capital available to Academy Media, Lend Academy Investments, and the LendIt Conference. Prior to Lend businesses and property developers following the failure in the banking system and in order Academy, Jason founded HighStep Capital, an investment firm focused on early-stage to provide a new asset class giving enhanced and diversified returns for investors. Founded Internet and financial services companies, where he invested in over 200 Internet-related in 2013, Assetz Capital is the fastest growing peer-to-peer lender in the UK and is forecast companies. He currently serves on the Board of Directors of iFunding and on the Board of to lend over £100m by the end of 2014. With a highly experienced management team made Advisors of iMENA. Previously, Jason worked at J. Goldman & Co., Goldman Sachs, up of time-served lending professionals, Assetz Capital offers investors average returns over Cambridge Associates, and Fidelity Investments. Jason holds an MBA from the Johnson 10% on loans fully backed by asset security. School at Cornell University where he was a Park Leadership Fellow and a BS from Babson College.

Claus Lehmann, CEO, P2P-Banking.com, P2P-Kredite.com Broadgate, 13:45 hrs Luke Jooste, Head of Real Estate Finance, Funding Circle Broadgate, 12:00 hrs Claus Lehmann publishes P2P-Banking.com and P2P-Kredite.com since 2007. P2P-Banking. Luke has over 20 years of financial sector experience and has worked for several banks in com focuses on industry news about p2p lending. P2P-Kredite.com is the largest German South Africa, largely in credit risk management roles. In 2008 Luke moved to the UK and language information resource on p2p lending frequented by German, Austrian and Swiss joined the Barclays Corporate Structured Finance team on the real estate finance desk as investors. an Associate Credit Director. In 2010 he was appointed UK Head of Property Finance for Barclays Business Bank. He ended his time at Barclays Business Bank as their Commercial Claus Lehmann and his sites have been cited by the , Wall Street Journal, Director. As head of Real Estate Finance for Funding Circle, Luke is now looking to bring his Finanztest, German TV, Dagensit Norway, Deutsche Bank research and many other financial overall banking experience and real estate finance specialism to help build a sustainable and mainstream publications. competitive lending proposition for the business globally.

Heikki Koivu, Chief Commercial Officer, Fixura Broadgate, 13:45 hrs Björn Lindvall, Founder, CreditSquare Bishopsgate 2, 9:45 hrs

Heikki is Chief Commercial Officer for Finland’s oldest P2P lender Fixura and also co-owner, Björn founded CreditSquare in 2013. The inspiration came from his experience working executive advisor or board member in four other companies. With over 33M€ in mediated closely with entrepreneurs and family offices during his time at Credit Suisse and Morgan loans since 2010, Fixura is a true person-to-person lender where both lenders and Stanley. He left Morgan Stanley in May 2013 and has since been entirely focused on building borrowers can define their own terms and loans are created whenever supply meets CreditSquare. demand. Prior to Fixura, Heikki spent 15 years in executive roles in consumer electronics CreditSquare is an debt advisory firm focused on providing small and mid sized companies with Nokia and in insurance business with Asurion, primarily in Europe and Asia (mainland with credit solutions from alternative finance providers. P2P lending and other dynamic China and Hong Kong). pools of capital is a core focus of CreditSquare.

21 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 22 Speakers

Martin Macmillan, Co-Founder & CEO, Pollen.vc Broadgate, 17:10 hrs

Martin has 20 years experience in launching and building technology businesses in FinTech, music and media sectors, and a prior career in Investment Banking as a bond trader. Having experienced first-hand the growth challenges facing tech start-ups and the lack of financing options open to developers, he saw the opportunity to marry his traditional financial markets and technology experience to create a disruptive new business model for the digital Principal benefits to buying industry. Prior to Pollen, Martin was CEO at Soniqplay, CEO at Level Four (acquired by clear2pay) and a Director of UBS in London, where he ran the short term credit trading group and conceived and delivered UBS’ first client-facing electronic debt trading platform. loans through our platform:

_ _ _ _ _ S_ _t_r_o_n_ g_ _ r_i_s_k_-_a_ d_ _j_u_s_t_e_d_ _ r_e_ t_ u_ _r_n_ from a short-duration, Geoffrey Richard Miller, CEO, GLI Finance Ltd. Broadgate, 16:30 hrs uncorrelated asset class. Geoff Miller spent twenty years in the UK financial services industry, as an analyst and as a fund manager, focused within the Non-Bank Financials sector. As an analyst he led the number one-rated UK small and mid-cap Financials team, and as a fund manager ran the largest listed Financials fund in London. He moved offshore in 2007, working in Moscow and _ _ _ _ _ T_ _r_a_n_s_ p_ _a_r_e_ n_ _t_ u_ _n_d_ _e_r_w_ _r_i_t_in_ _g and easy data access compared Singapore before moving to Guernsey. Geoff sits on the Boards of all of the GLIF platform companies and is deeply involved in the strategic planning and management of each. to traditional consumer credit products. In addition to GLIF-related appointments, he also serves as Chairman of Globalworth Real Estate Investments Ltd, and its subsidiary management company, and of a Luxembourg- based asset manager International Finance Development Company S.A., Holding. _ _ _ _ _ E_ _ff_ i_c_i_e_n_ _t_ l_o_a_ _n_ m_ _ _a_t_c_h_ i_n_ _g and web-based/ API portfolio reporting. Charles Moldow, General Partner, Foundation Capital Broadgate, 16:30 hrs

Charles joined Foundation Capital in 2005, with a background in general management, sales, marketing, product management and business development. Before coming to Foundation Capital, he was part of two teams that successfully built companies from early startup through greater than $100 million in sales and exits near or above a billion dollars. Charles has made fourteen investments since joining Foundation, of which five have been acquired: PowerSet to Microsoft; Xoopit to Yahoo!; Adwhirl to Google; Weblistic to Spot Runner; and, Therative to Phillips. Charles’ current portfolio includes: AdRoll, AuxMoney, BancBox, CloudOn, DogVacay, LendingClub, Lending Home, Motif Investing, and OnDeck. He is an active board observer at both CiiNow and Refresh. Prior to Foundation, Charles was a founding member at Tellme Networks and @Home Network. Charles holds a BS degree from the Wharton School at the University of Pennsylvania and received his MBA from Harvard University.

23 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 24 Speakers Speakers

Michele Novelli, CEO, Prestiamoci Broadgate, 13:45 hrs Christoph Rieche, Co-Founder & CEO, iwoca Broadgate, 15:00 hrs

Michele has more than 20 years experience working with start ups and VCs with a focus on Christoph is co-founder and CEO of iwoca. He oversees the day-to-day operations, finance mobile and broadband telecommunications. In November 2013, Michele became CEO of and strategy. iwoca offers a new type of credit facility for small businesses, using Prestiamoci with the goal to relaunch the company to be the leading P2P lending business in technology to eliminate the complexity associated with traditional finance options. At its Italy. He is also a partner at Digital Magics, an incubator and start up where he contributes to core is a data-driven risk engine which looks at entirely new metrics including itemised sales fund raising activities, investment selection and fills interim management functions as data, seasonality trends, customer feedback and chargeback rates. This allows for fast, needed. Previously, Michele founded Earlybird Italia, a venture capital fund leader in Europe. accurate lending decisions that scale. Since launch in 2012 iwoca has lent tens of millions He has also held senior roles at HanesNet Telekommunikation, Fastweb and of pounds to thousands of UK businesses and has raised over £10 million in investment. It Omnitel-Vodafone. recently moved into Poland and Spain, with further European expansion on the cards. Christoph studied at HEC Lausanne and the London School of Economics. Before starting iwoca he was a VP at Goldman Sachs, where he advised corporate and institutional investors on risk management. Founder & Managing Director Daniel Rajkumar rebuildingsociety.com Bishopsgate 2, 16:50 hrs Co-Founder & CEO, Cloud Lending Bishopsgate 2, 16:30 hrs A firm believer in a UK economy driven by enterprise and productivity, Daniel is passionate Darpan Saini, about providing a funding solution for businesses he feels have been let down by the banks. Darpan is responsible for creating and maintaining the architecture of Cloud Lending's His own frustrating experience of applying for funding through traditional channels product line. He is hands on with every aspect of product development right from product convinced him that he could start and establish a credible facilitator of business loans strategy to implementation. Needless to say he loves programming. funded by individuals, resulting in rebuildingsociety.com. This has since spawned White Label Crowdfunding, a software provider to the crowdfunding and peer-to-peer lending Darpan was a full time researcher in programming languages before co-founding Cloud markets around the globe. A serial entrepreneur, Daniel is the owner of several web-based Lending Inc.; having worked at large corporations such as IBM and Oracle in a previous life. businesses including rebuildingsociety.com, White Label Crowdfunding and Web Darpan has a Masters in Software Engineering from Carnegie Mellon University, USA and Translations, a business he has owned for 12 years that helps companies to trade in BE in Computer Science from Visvesvaraya Technological University, India. international markets by translating and promoting websites.

Peter Renton, Co-Founder & Partner, Lend Academy Broadgate, 9:00 hrs Michael Solomon, Co-Founder & CEO, CircleBack Lending Bishopsgate 2, 15:10 hrs

Peter Renton is the Co-Founder and Partner of Lend Academy Investments and the Founder Michael has over 25 years of experience in the legal, financial services, and entertainment of Lend Academy, the leading educational resource for the peer-to-peer (p2p) lending fields, including roles in management, sales and marketing, business development, industry. His blog is the most widely read website about p2p lending and through his writing compliance, and operations. He was the Founder of Loanio, an early entrant to the U.S. and video courses he has helped tens of thousands of people understand this new asset peer-to-peer lending market, and served as its Chief Executive Officer from inception in class. He is considered the world’s leading expert on p2p lending and speaks regularly on 2006 until 2010. Prior to Loanio, he Co-Founded and became President of Omnilaw Legal the topic at industry conferences. He is the co-founder of the LendIt Conference, the world’s Plans, Inc., a company that provides affordable access to legal and financial services. At first conference dedicated to the p2p and online lending industries and he is the author of Omnilaw, Mr. Solomon was instrumental in the development of product offerings, The Lending Club Story, the definitive guide to the world’s largest p2p lender. Peter operations, and legal compliance, as well as with the company's marketing and sales Renton has been interviewed by the Wall Street Journal, Bloomberg, Fortune, NPR, Fox initiatives. He also founded the Solomon Law Group, an internet-based niche immigration Business News, the Financial Times, TheStreet.com and dozens of finance blogs and law practice. In addition to acting as lead attorney, he designed and implemented the firm's smaller publications. marketing strategy, which was exclusively focused on Internet-based client acquisition. Previously, Michael was also the Co-Founder and President of Breakthru Entertainment. Michael has a BA from Washington University in St. Louis and a JD from Brooklyn Law School.

25 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 26 Zopa_Lendit_v04_FINALforPRINT.pdf 1 31/10/2014 15:44

Speakers

Dominik Steinkühler, Managing Director, Lendico Broadgate, 15:00 hrs

With years of experience in various positions at the Boston Consulting Group, Rothschild and Goldman Sachs, Dominik Steinkühler has gathered extensive knowledge of the finance industry and risk management practices. Dominik holds a Ph.D. in Business Sciences from the RWTH Aachen University. Co-founding Lendico in 2013 he led the marketplace to spread into six countries over two continents. Using the expertise and skills gained in Germany, Lendico has been able to take a stronghold of the local peer to peer lending market in Austria, Spain, Poland, South Africa and the Netherlands. There are now over 15,000 investors and 100,000 users in the six countries where Lendico operates.

David Stevenson, Executive Director, AltFi Broadgate, 15:00 hrs

David Stevenson has been known to wear a number of different professional hats! First and

C foremost David is executive director of www.altfi.com, Europe’s leading alternative finance news service covering the P2P space and crowdfunding. David is an experienced M investment/business commentator and writer, with a passion for media, travel and Y technology. David writes for a number of leading publications including The Financial Times,

CM Money Week and the Investors Chronicle - as well as a regular column for Travel Week. He is also the main commentator for the trade newspaper Investment Week. David was also a TV MY producer at the BBC for more than a decade and a founding partner of The Rocket Science CY Group. David has now taken that experience and knowledge and is applying it to a number

CMY of new ventures: he’s the editorial director at online investment TV channel investmentcompass.co.uk; Founder of CommodityUniverse and business development K director at Hindesight Publishing.

Anil Stocker, Co-Founder & CEO, MarketInvoice Broadgate, 11:10 hrs

Anil Co-Founded MarketInvoice at the age of 26, having worked in private equity since graduating Cambridge University with a double first in Economics. Anil has been the CEO of MarketInvoice since inception, growing headcount to 50 and trading volume to over £250m. Anil has won numerous awards including Federation of Small Businesses Young Business Person of the Year, Startups Young Entrepreneur of the Year, Growing Business Awards Young Entrepreneur of the Year, and was listed in Forbes Magazine’s ‘30 under 30’.

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Cédric Teissier, Co-Founder and CEO, Finexkap Broadgate, 13:45 hrs

Cédric Teissier is co-founder and CEO of Finexkap, a receivables financing platform based in France. Founded in 2012, Finexkap offers a unique working capital solution for SMEs relying on the securitization of receivables and proprietary credit risk models developed by INVEST Finexkap. Prior to that, Cédric was co-founder and Deputy CEO of Palico, an internet global marketplace for private equity funds and investors. In an earlier life, he was a private equity attorney and a placement agent for private equity funds. Above all, Cédric is a Fintech enthusiast. He has been recently named as one of the 10 most influential Fintech individuals in France by efinancialcareers, and as one of the most promising web entrepreneurs by WITH Europioneers, the European Commision’s startup initiative. Cédric is a graduate of Cornell University. He is a member of the French and New York Bar, and a mentor and godfather at Paris-based startup accelerators TheFamily and Le Camping.

Pärtel Tomberg, Founder & CEO, Bondora Broadgate, 15:00 hrs IMPACT Pärtel is an experienced entrepreneur and consultant. Before founding Bondora, Pärtel was the logistics and development manager of Quelle, the largest retailer in the Baltic countries. His last project included outsourcing the processes of his department of 60 people to the Czech Republic. Additionally, Pärtel has provided consultancy for Itella Corporation’s SmartPOST and sat on the committee of Europe’s largest entrepreneurs’ society - Oxford Entrepreneurs. Throughout his career he has worked with large retailers such as NEXT and Shop Direct of UK, OTTO and Quelle from Germany, and Red Cats from France. Pärtel is one of the authors of the Logistics Handbook published by Bonnier Group. Pärtel holds BA (Hons) from the Oxford Brooks University.

Graham Wellesley, Chairman & Joint CEO, Wellesley & Co. Broadgate, 12:00 hrs We are 100% focused on investments in the Graham is the Founder, Executive Chairman and Joint-CEO of Wellesley & Co. Founded in peer-to-peer 2013, Wellesley & Co. are officially the Fastest Growing P2P Platform in 2014. marketplace. If you are attracted to p2p returns but don’t know where to start, Lend Academy may have the solution for you. Previously, Graham was the Executive Chairman of Prestige Asset Management and created the firm’s flagship agricultural debt fund. Before this, Graham acquired ODL Group Ltd which grew to be the largest retail foreign exchange broker in the world and later merged with FXCM as part of the company’s floatation on the NYSE. invest.lendacademy.com Graham also founded IFX and took the company public on the LSE.

29 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 30 Sponsors & Exhibitors Sponsors & Exhibitors

Afluenta Bovill Booth #21

Afluenta is the leading and most participating peer-to-peer lending community Compliance is our thing. We don’t do anything else. We’re totally focused on across Latin America where members lend and borrow money for better yields financial services regulation. cutting out expensive traditional middleman. Afluenta has the most advanced lending platform across the LatAm region providing the best investing tools More than ticking boxes: Since we first rolled up our sleeves in 1999 we’ve been available for retail and institutional lenders along with easy to apply loans helping businesses in financial services to thrive. We’ve built a team of for borrowers. professionals with the right experience and know-how to deal with regulation so you can focus on your business goals. You can come to us whether you’re long established and going strong, or on your way there. And we’ll give you peace of mind whichever part of the industry you’re in. Assetz Capital Booth #3 More than advice: We love sharing our expertise, using it to fix things for our clients and coming up with the answers to new challenges. You won’t get Assetz Capital is a peer-to-peer lending community which believes in a fairer world superficial advice from us, or a long report full of facts and figures you don’t need. for investors and borrowers. Assetz Capital is the link between investors who have We cut to the chase and give you practical and commercially savvy ways to make cash and borrowers who need cash to invest in their projects and future growth. things work. That’s why people come back to us – and tell other people about us. As a peer-to-peer lender Assetz Capital fills the gap left in the market from the And because we’re doing what we do best, you can get on with what you do best. credit crunch, where banks are now often unable to provide the funding businesses require. Assetz Capital provides finance to small and medium sized enterprises and funding to property developers. CircleBack Lending Booth #19 auxmoney CircleBack Lending is an Internet-based consumer lending platform with a two-part mission. First, we aim to provide prime and super-prime consumers in the United auxmoney is an online marketplace that connects credit-worthy borrowers and States a fast and efficient way to borrow money at attractive interest rates. Second, savvy investors so that both can benefit financially. auxmoney eliminates the high we offer institutional and high-net-worth individual investors a robust, transparent cost and complexity of traditional bank lending by offering a transparent platform to invest in these consumer loans. marketplace where its users can directly invest in and borrow from each other. More than 25,000 financed loans make www.auxmoney.com Germany's leading online p2p lending marketplace. To date, more than 45,000 investors have invested about €125 million in private loans on auxmoney's platform to achieve above-average returns compared to other interest-bearing products. It can offer more attractive rates to borrowers by using its sophisticated proprietary scoring system, which combines in-depth consumer scoring knowledge with the latest online social and behavioural data. Cloud Lending Booth #17

Cloud Lending is a trusted provider of the industry’s most comprehensive lending platform for financial institutions in the cloud. Harnessing the power of the Salesforce.com platform, our Lending Core solution provides lending institutions LendIt would like to thank our an intuitive and flexible cloud solution to simplify and automate their loan business including origination, servicing, collections and portfolio management reporting. London Business School Volunteers With Market place lending in constant flux, platforms need an agile back-end solution that can scale and stay compliant. Our P2PFlex solution offers just that and for their tremendous contribution with a typical implementation time of 3-4 weeks we reduce the go-to-market time for new entrants. Our customers to the 2014 event. across the globe are using the solution to achieve productivity gains, increased profitability, regulatory compliance and operational efficiency.

31 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 32 Sponsors & Exhibitors

First Associates Booth #1

First Associates is the leading third-party service provider in the peer-to-peer industry. Our high-touch levels of service help major peer-to-peer platforms improve portfolio performance and build stronger customer relationships. Our modular, turnkey approach to service allows peer-to-peer companies to focus on their core activities while increasing the scalability of their organizations.

Funding Circle Booth #4

Funding Circle is the world’s leading online marketplace for business loans, where people and organisations can directly lend to small businesses. Helping the economy to grow, businesses can access fast, fair and transparent finance, and investors can earn attractive returns. Funding Circle has lent more than $600 million to 6,000 small businesses in the UK and US.

How does earning up to 6.0% on your money sound? Funding Knight Booth #9

Start earning at RateSetter.com The idea for FundingKnight sprang from two simple thoughts: People were getting a really poor deal on their bank and building society savings and smaller companies approaching banks to support and grow their businesses often weren’t getting a deal at all. So we thought why not bring the two together through a web platform? That way, people should get a better return on their cash savings. Companies would get an alternative source of funding to support their growth. We knew we could play our part in kick-starting the UK economic recovery through helping finance the small businesses which are its future. But the clever twist was adding our Loan Exchange. By making it easy for lenders to get their cash back we knew we’d encourage more lenders. And of course more lenders means more loans - and more loans attract more lenders. We spent 2012 building our web platform, ready to start business in earnest in 2013. We make regular updates to the platform - often weekly - to make it easier to use and give more choice to the increasing range of investors using our website. Our vision has become a reality. FundingKnight is truly riding to the rescue of savers and borrowers. We’re getting attractive rates of interest for our lenders and flexible financing arrangements for our borrowers.

GLI Finance Ltd. Booth #8

GLI Finance Limited (GLIF) is a Guernsey-domiciled loan company listed on the AIM Capital is at risk, market of the London Stock Exchange (ticker GLIF). The company’s objective is to produce a stable and predictable dividend yield, with long term preservation of net although no customer asset value. GLIF is a specialist provider of finance to small and medium sized enterprises (SMEs) investing in loans to SMEs and originates finance for SMEs has ever lost a penny. through a variety of alternative finance platforms based in the US, UK and Europe.

What you need to know. It may not be exciting but it is important like remembering your mum’s birthday. The rate shown is the current average rate in our 5 year market – we can show you the calculations if you want. It is before tax, assumes you reinvest throughout the full term and assumes coverage from the RateSetter Provision Fund. Our Provision Fund has a perfect track record but it does not provide a guarantee and your money is not covered by the Financial Services Compensation Scheme. We offer easy access to your money but we cannot guarantee it. To open an account33 youLendIt must be Europe over 18 and Conference a UK resident. RateSetter is authorised and regulated by the Financial Conduct Authority. If none of that made sense, please give us a call on 020 3142 6226. November 17, 2014, 155 Bishopsgate, London 34 Sponsors & Exhibitors

iwoca Booth #10 Leading alternative provider of SME finance, iwoca offers a new type of credit facility for small businesses, allowing them to take bringing investors and companies together worldwide advantage of opportunities previously only available to their larger peers. From placing larger stock orders to bridging cashflow gaps, we believe that access to finance is crucial to driving business growth. More startup than financial institution, we use technology to eliminate the cost and complexity associated with traditional business finance. That means we can offer instant credit facilities with no upfront fees, no long-term commitments and the flexibility to top up and pay down as Financing of high growth SMEs Multi-jurisdictional crowd funding European invoice finance required. At our core is a data-driven risk model which looks at entirely new metrics. Take an eBay business for example - looking at the customer feedback score helps us to predict a company’s future health. Analysing tens of thousands of data points like this allows us to make fast, accurate lending decisions.

Jumio Booth #13 Funding European receivables UK & European online SME finance UK SME finance

Jumio is a next-generation payments and credentials management company that uses computer vision technology to help financial services firms verify customer identity. We help our clients to meet Know Your Customer and Customer Identification Program requirements whilst improving remote account opening completion rates. Jumio’s Netverify turns the customer’s computer or mobile device into a scanning terminal to capture and authenticate passport, driving US online SME lending Sub-Saharan African SME lending UK supply chain finance licence or identity cards. WorldRemit, Entropay and Safello are some of the many companies already using Jumio.

Landbay Secured property lending US marketplace SME lending Offshore SME lending Landbay is a peer-to-peer marketplace where loans are always secured by British homes. We've created a safe, transparent and equitable marketplace where anyone can benefit from the efficiencies of peer-to-peer lending, with the added comfort of tangible, bricks and mortar security. Our lenders get above-market returns and our borrowers get a great deal by cutting out the banks.

US supply chain finance Online trade finance US online trade finance

LendIt would like to thank our graphic design team at American Design Language for their hard work and dedication.

ADLHQ.COM P2P bond finance

For further information on GLI Finance please visit us at stand 8 or see our website glifinance.com

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Page Advert.indd 1 30-10-2014 10:25:50 Sponsors & Exhibitors Sponsors & Exhibitors

Lend Academy Investments Logical Glue Booth #22

We believe that p2p lending makes the world a better place, and that everyone Logical Glue enables organizations to create and deploy superior predictive should participate. Our mission is twofold: models that drive better business performance, using next generation, patented • We teach people everywhere about p2p lending. computational techniques. Designed for business domain experts as well as data • We make it easy for people to invest in creditworthy people and scientists, the Logical Glue platform provides real-time, "white box" decisions from businesses around the world. live models deployed via the API. Logical Glue was initially conceived as a result of successful collaboration between industry and academia to research and develop We created Lend Academy Investments because our readers at Lendacademy.com new computational intelligence combinations and techniques to achieve greater asked for it. Many people love the idea of p2p lending but find it difficult and time uplift and transparency in the accuracy and performance of incumbent predictive analytics systems. The resulting consuming to execute their investment strategies. Individual investors deserve a system won the 2009 Lord Stafford Award for Achievement in Innovation and the foundation techniques are now professional money manager that lives and breathes p2p, especially now with the the subject of a global patent, as well as being integrated within the Logical Glue platform for the creation and flood of Wall Street investors crowding the marketplace. deployment of superior predictive analytics.

Lend Academy Investments is a registered investment adviser that offers invest- ment solutions to individual investors. Madiston Booth #7

Madiston LendLoanInvest (MLLI) is a peer-to-peer lending company for unsecured £ personal loans offered to creditworthy borrowers at interest rates agreed in the LendInvest Booth #20 open market. Lenders can choose to bid manually with just £10 in loan auctions or automate their bidding through lending portfolios, with multiple parameters for granular control. MLLI offers an optional Compensation fund to help protect LendInvest is the world’s largest peer-to-peer marketplace for real estate lenders’ funds and has a Secondary Market launching soon. Madiston mortgages. At LendInvest we are changing what it means to get a mortgage. LendLoanInvest is a member of the Peer to Peer Finance Association. With a We are using the very best technology to build, from the ground up, a mortgage background in financial sector technology, the team at Madiston built the software platform as a configurable lending platform with the consumer in mind. LendInvest is creating a process that is system that can adapt to many different marketplace lending business models to enable MLLI to grow and develop. easy to understand for borrowers, and a platform that gives everyday investors the Madiston plc owns the IPR in this technology which is also commercially available. ability to invest in a mortgage. Up until now, investing in a mortgage has been the exclusive domain or large institutions and hedge funds -- LendInvest changes this. Mambu

Liberum Mambu enables innovative lending service providers to rapidly create, launch and service a broad range of lending products through its agile, flexible and affordable cloud banking platform. Our SaaS solution takes care of the loan Liberum is a pan-European investment bank founded in 2007 providing Equity portfolio management, customer relationship tracking, workflows and portfolio Research, Sales and Trading services to European and North American institutional accounting to allow organizations to leverage our simple APIs to rapidly and investors, and Capital Markets and Corporate advice to companies in a range of cost-effectively innovate around customer experience, service channels, sectors, with offices in London and New York. Liberum has a dedicated Alternative marketing and process automation. An alternative to slow in-house development Finance team which advises participants in the direct and marketplace lending or expensive core banking software, Mambu accelerates time to market, increases business agility and reduces sector internationally. costs of integration and channel innovation. Established in 2011, Mambu has worked with over 100 institutions helping digital-first businesses like Savvy Loans, Lenddo, Kueski and MyCommunityBank as well as helping to transform established institutions to the cloud in nearly 30 countries.

37 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 38 Sponsors & Exhibitors Sponsors & Exhibitors

P2P Money MarketInvoice Booth #16 The P2P money website provides independent news, reviews, information and Businesses use MarketInvoice to selectively sell their invoices to a network of comparisons of the latest lending rates from each of the major peer-to-peer and global investors. The online platform is a working capital solution, giving peer-to-business providers in the United Kingdom. This will allow users to make an businesses immediate access to funds otherwise tied up for between 30 to 120 informed choice on the best company for them. days. Launched in 2011, MarketInvoice has helped hundreds of businesses overcome the lengthy payment terms of their large customers. More than £250m has been raised through the platform, with SMEs using the funds to hire more staff, launch new products and pay their suppliers. MarketInvoice is a new type of p2p funding solution, accessible to a wide range of UK businesses. Businesses are able to sell single invoices online, only as and when they need to. There are no contracts, hidden fees or personal guarantees; new clients can sign up, sell an invoice and draw down funds on the same day. Invoices are funded by a global pool of investors including high RateSetter Booth #2 net worth individuals. In August 2013, the UK government began investing in SME invoices via MarketInvoice as part RateSetter is an entrepreneurial company established in 2010 with the aim of of their Business Finance Partnership scheme. This initiative will see £40m channelled through the platform over a 12 making peer-to-peer lending simple and safe. RateSetter is a free market in which month period. the interest rates are set by the savers and borrowers. This rate-setting mechanic is unique. In 2013, RateSetter grew at 219% compared to sector growth of 107%, making it the fastest growing major peer-to-peer company in the UK. In March Orchard Booth #18 2014 it became the largest peer-to-peer platform in the UK by new loans originated. The company pioneered a number of firsts in the P2P industry, most notably the concept of a Provision Fund. RateSetter also believes in the Orchard Platform is an analytics and investment platform that has quickly importance of Customer Service, something for which it has won a number become the place where institutional investors and online loan originators connect of awards. and transact. Founded in New York City in 2013, Orchard focuses on building the systems and infrastructure that will allow marketplace lending to grow into a major financial market. Orchard enables institutional investors to scale their investment rebuildingsociety.com Booth #6 in the space by providing investment strategy, real-time trade execution and reporting, premier analytics, and access to supply. Orchard connects originators to rebuildingsociety lends to established UK SMEs and offers investors some of the a variety of capital providers and enables them to focus on making loans. Orchard best gross annual returns on the peer-to-peer lending market. Our gross annual Platform Advisors, LLC is an SEC Registered Investment Adviser, and is also recognized as a clear thought leader in average return is over 16%, with a default rate tracking the industry average and a the space and publishes a blog on its website exploring analytical and technical topics related to lending, and runs liquid secondary market, we’re well-positioned to grow in the space. We also white the monthly Marketplace label our technology to partners around the world through our sister company Lending Meetup. White Label Crowdfunding. Our clients include eMoneyUnion in the UK, InvestNextDoor in the US and we’re providing the technology for ThinCats’ exciting new joint ventures for in Poland and Australia.

Panmure Gordon & Co. Booth #14 Saving Stream

Panmure Gordon & Co. plc is an investment banking and institutional Saving Stream is a crowd source platform, proving funding for property bridging stockbroking firm with offices in London, Liverpool, Leeds, Singapore and Nyon, loans. It currently has 1,400 active investors and has written over £10,000,000 of Switzerland. The company is incorporated in England & Wales and its shares are property loans in the UK in 2014. One of the fastest growing alternative lenders, it traded on the AIM market operated by the London Stock Exchange. Panmure aims to reach 2,000 investors and £20,000,000 of lending by the end of the year. Gordon acts as corporate broker or adviser to more than 120 UK listed Saving Stream will consider most types of property as security, subject to our companies. As a group, we provide sales and trading to institutional investors, rigorous underwriting and credit appraisals. Investor types range from private produce research on a wide range of companies and make markets in the UK. investors to international investment funds.

39 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 40 Sponsors & Exhibitors Sponsors & Exhibitors

Shepherd Capital UK Bond Network Booth #11

Shepherd Capital was founded in 2010 to manage the liquid assets of a prominent Offering UK SMEs debt finance of between £500,000 and £4m, UK Bond Network French businessman. In addition to allocating capital to traditional "alternative works with publicly quoted as well as unquoted companies to enable them to tap investment managers", Shepherd Capital has actively invested in the US and into a pool of sophisticated investor capital which is otherwise inaccessible to most European P2P lending market since 2011 both as a lender and as an equity businesses. Because UK Bond Network is only open to sophisticated investors, and investor. The fund manages the first Luxembourg based feeder fund into the these investors are experienced enough to understand complex financial structures, Lending Club LCA funds as well as the first SPV enabling offshore investors to the platform is able to be highly flexible in the structuring of the finance it provides. efficiently access the UK SME lending market. Shepherd Capital is based in Borrowing companies can also choose to offer investors additional upside, be it Luxembourg with active representation in the UK and USA. equity-linked or otherwise, and through a fair and transparent auction process, lenders and borrowers both receive a better deal.

Thin Cats

Founded in 2011 ThinCats.com is an online market for secured business loans. We link experienced investors with established business borrowers to provide a serious XINXINDAI Booth #12 alternative to high street banks. Interest rates are competitive and determined by the market through our online auction process. ThinCats uses a network of XINXINDAI.COM, prepared in December 2011, was formally established by accredited \"sponsors\" who use traditional 'relationship banking' techniques rather XINXINDAI (Shanghai) Financial Information Services Co. Ltd in February 2012. than automated credit scoring to make secured loans in the range £50k to £3m. No The owners and management team of the company are mostly financial experts loan is featured on the auction platform without the backing of a Sponsor and they who have engaged extensively in the bank credit, financial planning, risk control help the borrower prepare the case for funding. ThinCats behave like the banks or information lending industries. With the mission of professionalism, sunshine should. Now with a 4 year lending track record of providing funding to SME's (over and transparency, XINXINDAI now provides more efficient P2P personal financial a broad range of industry sectors) less than 1% losses and loans totaling £80m, services. We were also awarded Golden-shell Award of China in 2014. ThinCats has been operating profitably for more than 2 years.

TrustBuddy Booth #15 Zopa Booth #5

TrustBuddy is a unique P2P company that facilitates short-term loans of up to Zopa is the UK’s leading peer-to-peer lending company -- bypassing banks and 10,000 SEK between private individuals. As a lender, you can expect a better return their high charges by matching UK lenders to borrowers looking for personal loans. than at the bank. Much of the success factor has been the opportunity to re-invest Since Zopa was founded in 2005, it has arranged more than $1 billion in the capital into new loans throughout the year and thus enabling a much higher peer-to-peer loans and has been voted ‘Most Trusted Personal Loan Provider’ in return. All borrowers undergo a strict credit evaluation developed in-house when the Moneywise Customer Service Awards for the past five years and Consumer applying for a loan that minimises unnecessary losses. TrustBuddy is the world’s Moneyfacts best overall customer service in 2014. Zopa has over 57,000 active largest peer-to-peer company of its kind, active in 6 countries throughout Europe savers lending between £10 and £1.7 million. and is still the only publicly traded P2P company.

41 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 42 Participating Companies

ABC Holdings Eaglewood Europe, LLP Lending Services & Investments rex k Ablrate Edmond de Rothschild Europe Lending Works Rocket Internet Accel Partners eLoan.co.il LendingCrowd Ropes & Gray International LLP Stay Connected Afluenta Elysium Fund Management LendingRobot Runa Capital Alaph Capital Equiniti Lendino Sancus Limited Alphalend Erste Group LendInvest Sands Capital AltFi Everline LendIt Sapere Aude Amadeus Capital Partners Excellion Capital LendLayer Inc. Saving Stream With Us! American Express EY LendLink SB Partners Ltd Anchor Computer Systems Fellow Finance Lendrise Marketplace, Inc. SeamlessID Limited Fidelity Growth Partners Europe Liberum Sentenial Ltd Arc Investments Ltd FINAlternatives Linked Finance SFM LLC ArchOver Financial Times LOANBOOK CAPITAL S.L. Shepherd Capital Assetz Capital FINANZAREL Madiston plc Smart Box Capital Atalaya Capital Management LP Finexkap Mambu Soros Fund Management LLC auxmoney finnovista Maple Securities (UK) Ltd Sparlån AB Avant Credit Corporation FINPOINT Limited MarketInvoice Spotcap Global Services GmbH Avire Finance First Associates Loan Servicing McKinsey Stanley Park Ventures Bawag PSK Fixura Ab Oy Metro & NurtureMoney.com Still Point Ventures BBVA Foundation Capital MIAC Acadametrics Synthesis Multi-Asset Architecture Beacon Strategic Fox Williams LLP MIAC Analytics SICAV-SIF Better Office Apps Ltd. FundedByMe Millennium Trust Company Talis Capital Limited BFGSL Ltd Funding Circle Mintos TCV BidderBot Funding Knight Money & Co. Thales Analytics Ltd. Bigstone Gatemore Capital Management Money Place The Credit Junction BitBond Generation Investment MoneyComms The Independent Blinkio Limited Management MYJAR Limited The Interface Financial Group Bloomberg Markets Magazine GiroMatch GmbH MytripleA Thiel Capital Bondora GLI Finance Newbanq ThinCats Watch live streamed content, view live photo feeds, read the capco GlobalCapital NEXLEND ThinCats Poland Sp.zo.o Capital Law GMV - angel.me Nordic Funding AS Thor Portess event blog and follow us on Twitter for non-stop LendIt updates. Centurion Portfolio Managers Grow.ly Nurture Money TJS Charles Russell Speechlys Growth Capital Ventures Omni Partners LLP TradeRiver Finance CircleBack Lending, Inc. Growth Street OnDeck TrustBuddy lendit.tv lendit.co/photos blog.lendit.co Citco Fund Services Halo Capital Orchard Platform UK Bond Network Clavis Advisors Hexagon Partners Oriel Securities UK Crowdfunding Association Clearwater International HJCO Capital Partners Ovamba Solutions, Inc. Uncle Buck Corporate Finance Home Credit P2P-Banking.com United International Holding Clerville Investment Ideas For Business Panmure Gordon & Co. Company lendit.co #lenditeurope @LendItConf Management, LLP IDEAS MEET CAPITAL Paratus AMC University of Birmingham Clifford Chance LLP Interactive Investor PAVE University of Cambridge Cloud Lending Intuitive Trading Platform Black Ltd Valinor Management, LLC Colchis Capital Isodev Point Nine Capital Varde Partners Europe Ltd Compass Asset Management Iwoca Pollen - Velocity Capital Verredus Funds Inc. Cooke, Young & Keidan Jade Capital Prestiamoci Victory Park Capital Cooperativa JCAP Treasury Securities Pret D'Union Vidici Ventures Copthall Capital Jefferies LLC Pricewaterhouse Coopers Wellesley & Co Credit Suisse Jumio Professional Education Institute Whetstone Partners CreditSquare Kairos Investment Management Property Fortress William Blair Cross River Bank KLS Diversified Proplend Wilmore Finance Crowd with us KPMG QED Investors Wonga Group Crowdcredit, Inc. Kramer Levin Quantea GmbH XINXINDAI Crowdnetic Landbay Quayle Munro Yodlee Interactive CusCus AB Lend Academy RainFin Global Services GmbH Dansk Faktura Børs A/S Lendico Raiseworks Zinc Euro a.s. Deutsche Bank Lendify AB RateSetter Zopa Duff & Phelps, LLC Lending Ark Rcalc Eaglewood Capital Management Lending Club rebuildingsociety

43 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 44 Networking App

What are you waiting for?

Download the app now.

Get started by visiting the Apple or Android device store and typing “LendIt Conference.” Or access the web-based version at • Loans offering 9% to 18% gross interest p.a. (as at 04/11/14) crowd.cc/lenditeurope available on the Assetz Capital platform in our active aftermarket • All loans backed by asset security with 62% average LTV* This app has been designed to help you make • Directors have over 100 years’ combined experience in the most of your time. Use it to: lending, credit, risk and compliance • Navigate LendIt Europe’s schedule of events • £20m+ loan origination per month and growing with capacity currently available for funds, family offices and other institutions • Connect directly with attendees, speakers and sponsors

• Learn more about event sponsors and exhibitors and their offerings

45 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 46 ConferenceAd PRINT 2.pdf 1 07/11/2014 16:38

The world's leading marketplace for business loans

Where people and organisations can directly lend C to small businesses in the UK and US. M

Y

CM

MY

CY

CMY

K At Funding Circle, we are building a better nancial world, helping small businesses to access fast, fair and transparent nance directly from investors who seek attractive returns.

$700 million lent to over 6,000 small businesses globally ~$60 million lent per month Lending volumes continue to triple year on year Investors include 33,000 individuals, the Government-backed British Business Bank*, local councils, universities and institutions

* The British Business Bank Investment Programme is a part of the British Business Bank programme, which is currently run directly by the Department for Business, Innovation and Skills and is not authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority. British Business Bank plc will operate as a Government-owned nancial institution once HM Government has received European Commission State aid clearance, which is expected in 2014.

Funding Circle Limited is authorised and regulated by the Financial Conduct Authority under rm registration number 635439. Funding Circle is not covered by the Financial Services Compensation Scheme. Registered in England (Co. No. 06968588) with registered oce at 3 Dorset Rise, London, EC4Y 8EN 47 LendIt Europe Conference November 17, 2014, 155 Bishopsgate, London 48

OP_PgAD. m1.indd 1 11/5/14 4:49 PM LendIt NYC Save the Date!

April 13-15th, 2015 • Marriott Marquis

1,500 Decision Makers 35,000 Sq. Ft. of Exhibition Space 5 Streams of Content Extensive Networking Activities

Contact [email protected] to reserve your place!

November 17, 2014, 155 Bishopsgate, London 49