#1Méliuz 9:41 Bom dia, Juliana! Marketplace Sua conta R$ 683,59 Corporate Presentation B3 TICKER: CASH3 | DECEMBER 2020 Emprés- timos Seguros Recarga de celular Paga- mentos Gift cards Cartão Méliuz Melye Ver Extrato Convide amigos Fale conosco#2| Main Executives Israel Salmen CEO Me Méliuz Ofli Guimarães CFO Méliuz inten U Lucas Marques COO André Amaral CSO 2#3| Operating in a sector with recent notable transactions Méliuz Source: Press honey PayPal USD 4bn Value Paid by PayPal in Nov/19 USD 100mm Revenues 2018 Rakuten EBATES + Company offering a browser plug-in that allows users to find the best offers and discounts, while earning cashback. Largest cashback player in the U.S. operating in the following distribution channels: EBATES VISA USD 1bn USD 2.2bn Value Paid by Rakuten in Nov/14 Annual GMV1 Browser Plug-In Co- Credit Card Note: (1) At the time of the transaction Application Website 3#4| Méliuz: Solid Combination of Two Growing Ecosystems Advertising Travel CPG Source: Company Information E-Commerce Food delivery and Ride Hailing Credit card Loans Méliuz M Financial Solutions Insurance Marketplace +11 million Accounts Mobile top-up Banking Services 4#5In The E-Commerce Gold Rush... We Sell Pickaxes! Méliuz Millions of e-consumers to be conquered americanas.com AliExpress shoptime Magalu amazon.com.br pontofrio CASASBAHIA extra.com.br NETSHOES Hoteis.com Carrefour Submarino DELL NIKE.COM 7 ZATTINI FAST SHOP Microsoft oBoticário L'OCCITANE C&A EN PROVENCE Booking.com adidas BRASTEMP Lenovo CENTAURO petl❤ve alegria na sua casa Illustrative Brands. dafiti natura We're structured to provide technology solutions that enable a win-win- win value proposition to our clients, partners and Company alike Pickuxe#6| Win-Win-Win Value Proposition Users Save Money when shopping online/offline Discover new merchants, brands, products and services Benefits $ +11mm Data Accounts Source: Company Information. Note: (1) Refers to active partners; (2) In September 2020 Méliuz Asset-light ecosystem (142 employees²) Méliuz Advertisers Take rate Commission $ Acquire and retain loyal customers sustainably Optimize marketing investments +800 Partners¹ Intelligence Magalu pontofrio amazon.com.br americanas | BAHIA AliExpress Booking.com Hoteis.com SAMSUNG (DELL extra .com NETSHOES Boticário WO shoptime Submarino notura dafiti Microsoft CA 6#7| Solid Partners' Base with Long-Lasting Relationships Marketplace E-commerce Partners Méliuz 2011 2012 2013 2014 2015 2020 americanas.com Submarino americanas extra AliExpress Submarino amazon.com.br .com Magalu dafiti DELL CASASBAHIA shoptime extra Carrefour pontofrio NIKE.COM ✓ CENTAURO NETSHOES pontofrio shoptime BAHIA NETSHOES Booking.com FAST BRASTEMP Travel & Leisure Booking.com Hoteis.com CENTAURO Hoteis.com NIKE.COM oBoticário decolar Méliuz Expedia PAIR PORTUGAL VIAGENS CPG NISSIN Johnson A FAMILY COMPANY fazenda future ★Heineken AB InBev Pernod Ricard Source: Company Information +800 Active Partners 33 AliExpress natura amazon.com.br C&A#8| Platform with Many Touchpoints With Users Extrato Olá, Lucas! La Online Dicas Source: Company Information Note: (1) In November 2020 (2) October 2020 App +10mm monthly app visits¹ Site + 5mm site visits per month2 Plugin +600k active users in our plugin1 Mole 8far Lojes online m destaque Op ерезсонтово мора Méliuz FARFETCH As últimas tendências do mundo da moda! Ganhe 2.5% de cashback Magalu OKCHAM adidas GREINAR Destince etna 8#9| Touchpoints With Users: Our Plugin C a AVA mercado livre Buscar produtos, marcas o muito male Informe seu Categorias Ofertas do dia Histórico Supermercado Lojas oficiais Vender Contato When in a non- partner website, the plugin shows better offers from partners to customers pode gostar: samsung galaxy-iphone 6s plus-iphone 7 plus 128gb-moto g-xiaomi note 8 pro-iphone 11 128gb-a20s Celulares e Telefones > Celulares e Smartphones Apple iPhone 11 Meliuz Google ^ submarino.com.br/categoria/eletrodomesticos Submarino O que você ta procurando? Vem ver as lojas Baixe o APP Covid-19-Orientações Volta às Aulas Cartão Sub Eletrodomésticos Novo 2710 vendidos iPhone 11 128 GB Preto 4 GB RAM ✰✰✰✰✰ (393) R$ 4.92085 Enviando normalmente nterna: 128 GB 256 GB 64 GB When in a partner's website, it brings the best offers of that partner Encontramos ofertas similares! shoptime FAST Submarino Por R$ 3.499,00 Ganhe 3% de volta Por R$ 3.999,00 Ganhe 3% de volta Por RS 4.642.48* Ganhe 15% de volta "O preço pode estar desatualizado iphone 7 x Q All Images Shopping News Videos Nors Settings Too About 3,700,000,000 results (0.75 seconds) Ads See iphone 7 0 When searching for a product, it shows Méliuz offering for that item Tela LCD Red... R$1,999.00 Casas Bahia Source: Company Information Apple iPhone 7 Apple IPhone 7 Tela LCD Reti... R$1,999.00 Extra.com.br IPhone 7 Apple Preto Matte. R$2,099.01 Loa Place IPhone 7 Apple 32GB Preto 4... R$2,199.00 Magazine Luiza DOIS Méliuz PO Submarino Submarino 3% de volta Regras do parceiro Cupons e ofertas Ativar Sua casa, seu estilo de elet Use cupom e ganhe 15% OFF em Seleção de livros da Panini Brasil" +3% de volta PANINI15 Copie o código e cole no carrinho ou durante o fechamento da compra Regras da Oferta Caplar e ativar CM I IMI Aproveite seleção de livros da Panini Brasil.com 15% OFF ta Wow! (Phone 7 Rose 32gb Novo R$1,450.00 Mercado Livre Meliuz Ofertas relacionadas, que oferecem cashback Apple iPhone 7 Tela LCD Retina HD 32 GB Preto Mette R$ 1.999,00 Ganhe 3% de volta Cosas Bahia O preço pode estar desolado Communicate with the user in the right time with the right offer + 600 k users with plugin in their web browsers Ad www.casasbahia.com.br iPhone 7 em Promoção Casas Bahia | Compre Online Milhares do Produtos em Oferta para Vood Economizar Confiral Confira Nossas Ofertas Agoru Mesmo. Não Perca Tempo, Cora Para a Casas Bahia. Site 100% Seguro#10| In the Fintech and Banks Gold Rush... We Sell Pickaxe! Méliuz Itaú P BANCO PAN bradesco MAPFRE Santander BANCO DO BRASIL CAIXA BV lil warren Allianz bance TORO PORTO SEGURO creditas rico clear easynvest EASYCRÉDITO Illustrative Brands. XP Inc. bom pra crédito M monetus Z ZURICH Seguros modalmais o banco digital dos investidores REBEL We're structured to provide technology solutions that enable a sustainable win-win- win value proposition to our clients, partners and Company alike. ICkUxe 10#11| Financial Services: We Started Expanding Frontiers Plug-and-play and asset-light platform, with low development and distribution costs to current customer base Méliuz BANCO PAN Méliuz Other Financial Services Credit Card BRUNA DO MELIUZ Mobile Top-up Méliuz Banking Services Loans Insurance Investments Launched in Planned 2019 11#12| Next step: Expand financial services We already have the users and the cash-in Mobile Top-up KIRA Loans R$ 5mm Getting out of Méliuz ecosystem every month¹ Source: Company Information Source: Company Information. Note: (1) Monthly average for the first nine months of 2020 Assistance Purchase in Installments % Investments -0-0- Méliuz Insurance Bill Payments 12#13| We Have Three Pillars for our Success Méliuz Tech Team Culture Culture Technology Team 13#14| Unique Ability to Attract and Retain Talented Professionals Méliuz Source: Company Information Meliuz 48% of the team focused on product 33% of the programming team has a Master or PhD Great Place To Work. Certificado 12/12/2010- 12/02/2020 BRASIL Recruiting top tech talent from Federal University of Amazonas GPTW Great Place to Work 14#15| Strong Background Ready to Tackle Market Opportunities Top of Mind Big Data & BI Teams We apply machine learning to deliver the most customized products Tech A/B Testing & Data Orientated Several teams involved in seeking the best conversion rates Source: Company Information Virtuous Circle of Tech, Data and Product Oriented Teams Méliuz Unique proprietary technology Web and mobile site, app, plugin, back- office, customer service and member get- a-member Product & Design Oriented Decisions 48% of our whole team is composed by designers, product managers and engineers 15#16A Company Made by a Passionate Team Source: Company Information Méliuz NADA É IMPOS SIVE Maliuz Méliuz NADA É IMPO SIVE MOS NAD Impossive N NADA E IMPOS SIVE Impossível 16#17Culture: The Secret that is difficult to replicate Our Principles 1. Clients for life 2. Win-Win-Win 3. Outstanding Team 4. We are Entrepreneurs 5. "The Big Family" 6. Prioritize and Simplify 7. Nothing is Impossible How do we guarantee our culture? Culture Interview is a part of the recruitment process at all levels Recruitment Process Promotions and Honors Cultural misfit / dismissal Partnership Culture Source: Company Information Méliuz 17#18| Those pillars enable us to Grow with a Lean Structure Personnel Expenses R$ mm Culture Technology Team Strong Culture Management 16.5 14.3 18.0 Méliuz 12.0 2017 2018 2019 9M20 139 # employees (EOP) 139 141 142 18.#19| 3Q20 Highlights +1.6 MM new accounts opened in 3Q20 2.66x last 4 quarters average 3.6 MM active users¹ by the end of 3Q20 (LTM) +47% 3Q20 vs. 2Q20 +80% 3Q20 vs. 3Q19 Marketplace Financial Services Méliuz R$ 2.2 B +54% 1.1 MM 3Q20 vs. 3Q19 3Q20 GMV LTM Card applications in 3Q20 18x 3Q20 vs. 3Q19 1. Active Users are new or existing users that performed at least one of the following actions in the reporting period: (i) purchased in a Méliuz partner using the Méliuz app, website or plugin; (ii) used the Méliuz Credit Card in a purchase; (iii) activated an offer advertised by Méliuz on the website, app or plugin; (iv) installed and performed maintenance of the active plugin in the internet browser; (v) installed or used the Méliuz app; (vi) submitted a Méliuz Credit Card resquest; (vii) requested a redemption of the cashback balance to the checking or savings account and/or (viii) referred Méliuz to a new user using the "Refer and Win" program. 19#20| 3Q20 Highlights We continue to expand our ecosystem, adding new partner stores to the Marketplace and new partners for Financial Services... +100 New active Marketplace partners New Partnership launched in the Credit and Insurance categories BANCO PPAN EMPRÉSTIMO CONSIGNADO Méliuz creditas YOUSE Super Sim fe ferratum PORTO SEGURO TOKIOMARINE SEGURADORA maintaining service excellence to our users and product quality As of 11/11/2020 CERTIFICADO RA1000 Reclame AQUI Google Play 4.4/5 Google Play 4.6/5 Chrome Store (Plugin) A 4.4/5 App Store 20#21| User base performance Total open accounts (# MM) +39% 11.6 10.1 9.5 9.0 8.4 Active users¹ LTM (# MM) Méliuz +80% 3.6 2.4 2.1 2.2 2.0 3Q19 4Q19 1Q20 2Q20 3Q20 3Q19 4Q19 1Q20 2Q20 3Q20 1. Active Users are new or existing users that performed at least one of the following actions in the reporting period: (i) purchased in a Méliuz partner using the Méliuz app, website or plugin; (ii) used the Méliuz Credit Card in a purchase; (iii) activated an offer advertised by Méliuz on the website, app or plugin; (iv) installed and performed maintenance of the active plugin in the internet browser; (v) installed or used the Méliuz app; (vi) submitted a Méliuz Credit Card resquest; (vii) requested a redemption of the cashback balance to the checking or savings account and/or (viii) referred Méliuz to a new user using the "Refer and Win" program. 21#22| GMV Marketplace GMV in the Quarter (R$ MM) 457 +40% 608 638 515 437 GMV LTM (R$ B) 1.42 +55% 2.02 1.85 1.68 Méliuz 2.20 3Q19 4Q19 1Q20 2Q20 3Q20 3Q19 4Q19 1Q20 2Q20 3Q20 22#23| Méliuz Credit Card Cards requested in the Quarter (#'000) 18x 1,147 Cards requested (cumulative) (#'000) Méliuz 1,622 475 237 237 175 63 55 62 120 3Q19 4Q19 1Q20 2Q20 3Q20 3Q19 4Q19 1Q20 2Q20 3Q20 23#24| Net Revenue Net Revenue (R$ MM) 22.3 Impacts on Travel & Tourism: +15% Net Revenue 25.6 (R$ MM) 3Q19 3Q20 57.4 GMV Base 100 -93% 186 172 131 126 +190% 100 38 13 2Q20 3Q20 1Q19 2Q19 3Q19 4Q19 1Q20 Some partnerships with brick-and-mortar stores have been suspended due to the pandemic and the restrictions brought by the quarantine. Some important marketplace partners temporarily reduce part of the commission and advertising spend. +43% 82.1 Méliuz 9M19 9M20 24#25| EBITDA EBITDA (R$ MM) 4.6 +11% EBITDA (R$ MM) +168% 557 5.1 9.2 3Q19 3Q20 EBITDA Margin 20.7% 20.0% 24.7 9M19 9M20 16.0% 30.1% Méliuz EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) is a non-accoutnting mesure prepared by the Company in accordance with CVM Instruction 527. EBITDA is not a measured recognized by the accounting practices adopted in Brazil nor by the IFRS. For further information on non-accounting measures, refer to item 3.2 of the Reference Form. 25#26| Multiple Growth Avenues Source: Company Information ☑ Accelerate Existing Business Grow the product and technology team and increase marketing spend on customer acquisition Expand Financial Services Loans, insurance and assistance, mobile top-ups, banking services, purchase in installments New Verticals and M&A Capital buffer to tap new growth opportunities Méliuz 26#27| Long term vision Marketplace Business Model CASHBACK COUPONS DISCOUNTS CPG BRANDS PARTNERSHIP EBATES honey RetailMeNot sal slickdeals ibotta Méliuz >>>>>> ➤➤➤➤➤➤ Méliuz Méliuz CONTENT the POINTS ⑦GUY MSE HoneySavingExpert.com CREDIT CARD LOANS FINANCIAL COMPARISON INSURANCE Financial Services Business Model N26 nybank Revolut ①mint. credit karma Money Super Market Lemonade nerdwallet 27#28| Key Takeaways Source: Companies Information Asset-light, high growth and profitability Strong Culture Win-win-win value proposition Strong and passionate user base Data-driven and "a/b test" oriented Méliuz Strong tech team and proprietary technology Large markets with potential to gain market share 28#2960 H#30Méliuz IR Contacts ri.meliuz.com.br [email protected]