ZOODMALLGrow your business togetherin MENA and CIS regions

ZOODMALL (Marketplace) & ZOODPAY (BNPL)Ecosystem

Affordable+6m no-brand productsLow to mid-income brackets and under-35 mobile ready population+30K Suppliers covering cross-border and Local products

LocalisedShopping app in local currencyFlexible Payment optionsLast mile delivery option Localized marketing, product selection, and user engagement

EnjoyableFun shopping experiencePersonal search optimizationWish and Practical list items

ZOODMALL Overview

ZOODMALL currently operates in 2 regions and 6 countries

• Central Asia: Kazakhstan, Uzbekistan, Azerbaijan, Afghanistan

• MENA region: Iraq, Lebanon• Expansion planned for

September 2020: Jordan, Kuwait, Bahrein and Saudi Arabia

ZOODMALL Countries of Presence

№1 Uzbekistan №1 Lebanon №1 Iraq

ZOODMALL MarketplaceMore than 5M downloads

14 categories• Consumer electronics• Phone & Accessories.• Computer & Office• Jewelry & Watches• Home & Garden• Sports & Outdoors• Health & Beauty• Bags & Shoes• Women’s clothing• Men’s Clothing• Toys• Automobile & Motorcycles

and many more

Brands presented on ZoodMall

ZOODMALL CatalogExtensive and varied

Flexible Local payment options incl. cash on delivery, debit card mobile payment and instalment

Focused product positioning and target customer segments

Local market know-how and customization

Combination of local and international suppliers

Last mile Delivery for customers from end-to-end (integration with local shipping companies)

Applies

Does not apply

Differentiation With Our Competitors Success factors for ZOODMALL

Value for the Merchants• New loyal customers

• Additional sales channel

• Promotion of goods is free• Sales with pay after delivery without risk

• Commission only for successful sales • Regular and transparent settlements

• Support 7 days a week

Value for the Customers• Millions of popular products

• Best price

• Reliable and trusted merchants• High quality goods

• Purchasing with pay after delivery without bank• Regular discount and promotions

• Support 7 days a week

ZOODMALL MarketplaceValue creation

Cash on delivery

Pay by any credit/debit card

Pay in 14 days after delivery, orPay X3 times in installments

ZOODMALL MarketplacePayment methods

Customer (user) clicks on "ZoodPay" option in the checkout area of the shopping basket and fills the necessary information

After credit scoring validation, user confirms the purchase by OTP and the merchant is notified that the purchase was made

Payment is released to the merchant by ZoodPay after the delivery of the shipment to the user is confirmed

ZPI: User pays to ZoodPay in 3 instalments on 0, 30, 60 days from the purchase with no interest charge

PAD: User pays to ZoodPay 1-time, the full amount in 14 days after delivery with no interest charge

User

ZoodPayShipping CompanyMerchant eShop

User

After the order is confirmed, Shipping Company delivers the shipment to the user.User unpacks the order

ZoodPayUserMerchant

UserZoodPay

Involved Parties

Checkout Confirmation Settlement PaymentDelivery

Merchant

Shipping Company

ZOODPAY as a Buy Now, Pay LaterHow does it work?

Product Offering Checkout Page Pay Later

ZOODPAYUser flow

ZPI PAD ZPI PAD

Sign contract Uploading content

Receive orders

ZOODMALL MarketplaceEasy start selling with ZoodMall in 10 countries

ZoodMall commission:For cross-border sales: 15% for all categoriesFor local sales: 2% for IT; 10% for accessories & other categories

No cost for listing products on ZoodMall

ZoodPay payment fee (optional):14 days after delivery: 0.30$ + 4% of the order value3 times installments: 0.30$ + 6% of the order value

ZOODMALL MarketplaceConditions for the Merchants

2 ways of integration with ZoodPay:1. ZoodPay API

2. Online Shop Builder Platforms (for Q1- 2021):

ZoodMallWays of Integration

Zain selected ‘Best Operator’ and ‘Best Brand’ at

Telecom World Middle East Awards 2019

§ Zain is a key investor in ZoodMall§ Partnership on scoring, marketing, logistic and fintech§ Zain has +50m subscribers in +8 Mena countries§ Zain is a Public listed company in Kuwait§ Zain generated Revenues of +$5.5bn in 2019§ Zain target with ZoodMall: strengthen their market

leadership through growing an ecosystem of services matched to the particular needs and preferences of the local market

ZOODMALLStrategic partnership with ZAIN

We look forward to collaborating

Sincerely yours,ZoodMall team

Michael KHOI: +41.79.25.82.740Ceomk@ZoodMall.com

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