Best day

of my life.
I'd never imagined
a banking* app
could do that.
#yapenized
3 October 2018 © YAPEAL AG | Company Information 2
 We create intuitive and transparent financial services
 We make your financial life simpler and healthier
 We believe in the value of communities and networks
 We want to shape the future of banking together
 We treat everyone fairly
 We think and act differently
 We challenge the way we bank

3 October 2018 © YAPEAL AG | Company Information 3

Simple, intuitive, transparent

Agile, 100% real-time, 24/7 High complexity at low

Lower cost, at least -60% transparency Slow time to market

Modular / open banking ready High operating cost

Smart contracts, client-centric Monolithic / closed system

Static products, bank-centric

3 October 2018 © YAPEAL AG | Company Information 4

3 October 2018 © YAPEAL AG | Company Information 5
Everyone has it – we help you to find it.

YAPEAL’s financial amigo will take care of you

and show in real time where you actually stand,
based on your situation and personal goals.

It’s like the navigation system in a car – you define

some parameters and the amigo guides you through
your financial life.

You will learn how much money you can spend

on average per day and how much you have left
over until your next salary.

Of course, our Lifestyling Intelligence will also do

its part, such as suggesting what you need to save
for taxes based on both your income and your
residence.
3 October 2018 © YAPEAL AG | Company Information 6
Family shizzle function helps you solving your financial
family affairs

The YAPapp empowers the whole family to solve many

‘administrative’ and time-consuming financial issues:

• record bills for your parents account – they can

approve them with just a click
• unlock pocket money for your kids – they can use
it with their phone or wearable (your kids do not need
to have an own account, nor a credit card)
• stay in control
• profit also from our Lifestyling Intelligence function

Your digital family office in your pocket!

3 October 2018 © YAPEAL AG | Company Information 7

 Elastic,
cloud and
API based
environment

Economical Huge costs

Technical
to maintain, and cultural
Legacy Core and hard
leading to (supply driven) constraints,
legacy inert
lower costs

Modern Core
(demand driven) Limited
Engaging, Strategic Tactical
high customer automation customer solutions
satisfaction, results in engagement and
gain market high and automation
share effectiveness satisfaction
and agility

Innovative Limited
, attracting innovation
skilled and and
passionate employee
employees engagement

3 October 2018 © YAPEAL AG | Company Information 8

 Client-centric design
Community

User Experience

YAPEAL
Agile Open
Products in days Culture
Open Banking
PSD2
Digital Core

Cloud-native
Blockchain-
inspired Efficient,
real-time
3 October 2018 © YAPEAL AG | Company Information 9
 Hans Kuhn Werner Vontobel Theodor Keiser CEO (tbd) Thomas Christian R. Meier
 Board Chairman
 25 years financial
 Board Member  Board Member  CEO Hilgendorff  COO
 Banking & Consulting  > 30 years in  …  CCO  25 years in banking
market law &
 PWC, AIG Private finance & banking  …  25 years in banking  UBS, Nosco, ABB
regulation
Bank, 4executives  ZugerKB, ABB, CS  …  SIX, CSC, Raiffeisen  Engineer, Architect,
 SNB, StabFund, OF
 Governance, Risk,  Strategist, lateral  Business Developer, Strategist
 Independent – leader-
Compliance thinker Networker
ship – crisis
mgmt

3 October 2018 © YAPEAL AG | Company Information 10

Daniel Capraro Andy Waar Sahana Huber Markus Kessler Vito Tauriello Paul Disteli
 Product Manager  Marketing & Social  QA and Testing Expert  IT Architect, Software  IT Architect, Software ▪ UX and Apps
 Agile project manager Media  Banks, IT Engineer, Engineer, Visionary ▪ Banks, IT
 Ticketcorner, Viseca  +20 years MarCom  Infosys, Methodologist  Banks, IT ▪ UBS AG,
 Payments, Cards  Entrepreneur; UBS AG Cognizant,  Multi Industry IT  UBS AG ▪ UI/UX Design
 Lawyer, Executive MBA
(Focus Crossmedia)  Boxcon
Bug hunter  UBS AG, IBM  UX & APIs,
 Security and Cloud Innovation

Holger Koch
Business Administration
Banks, IT
UBS AG Philippe Defuns Christian Weder Michel Lips
Organization & Coordination  Software Engineer
DEV & UX Expert  IT Operations
 Banks, IT
Banks (11y), IT, Agile  Banks, IT
 UBS AG, IM
UBS AG, Startups  UBS AG
 UX and Mobile/ Apps
Engineer, UI/UX & design  Customer Service
Process Management

3 October 2018 © YAPEAL AG | Company Information 11

3 October 2018 © YAPEAL AG | Company Information 12
 Swiss Smart Banking Live
Q1 2020 based on Banking License

Swiss Smart Wallet Live

Q3 2019 based on Fintech License

Swiss Smart Pay Live

Q2 2019 under SRO

Team onboarded
08.2018 Most of the team joins

Becoming operational
07.2018 First joiners move into the office in Altstetten

Company founded
06.2018 By 15 founders all committed to rock!

Decision to go!
03.2018 Getting committed

YAPEAL born
12.2017 Based on the stone money on Yap

First thoughts
10.2017 Technology investigation

3 October 2018 © YAPEAL AG | Company Information 13

3 October 2018 © YAPEAL AG | Company Information 14