Request allocation Investor materials

INVESTOR ANNOUNCEMENT

2026 • Office of the CEO

MobiBank® & The Great Green Wall Initiative

An investor update on MobiBank®’s selection among Mastercard’s top innovative companies and the initiative to support the African Great Green Wall - alongside the current investment window.

MobiBank® - The Great Green Wall Initiative

Dear Investor,

MobiBank® was selected from 1500 Companies to MasterCard top 15 innovatives companies in the world and we’re also happy to announce that MobiBank© was chosen to be the African Green Wall MobiBank©. See the trailer at https://youtu.be/kB1qK_yBVxU - our target is to reach one million users in the first year!

Our main goal is to scrap the shadow economy in Africa (when Finnish Government sent charity money only 28% went to selected families and 72% disappeared to the black market).

Helping to build the Green Wall will help us achieve our goal but also help African nature in combat against desertification of Sahara and fight against climate change.

This African-led initiative aims to grow an 8000km new world wonder across the entire width of the Continent to transform the lives of millions living on the frontline of climate change. The UN Convention to Combat Desertification is a key partner in the initiative.

We are going to have a press release soon!

INVESTMENT OPPORTUNITY (GLASS CARDS)

Investment Opportunity - Key Terms

Indicative only • Subject to internal review

Investment window

01.03.2026 – 30.04.2026

Current investment period

Investment maximum

Up to 5,000,000 USD

Maximum investment size

Pre-money valuation

170,000,000 USD

Valuation reference

Shares

100,000,000 issued

~3–5% currently available (first investment round)

Listing target

NY listing 2027–2028

Target timeline (indicative)

MobiBank® is on the move - we’re open for final investments in this first investment round. From the issued 100.000.000 shares 3-5% are currently available.

Contact me for more information.

Jussi Teeriaho

CEO & Founder

www.mobibank.fi
+358 (0) 46 6000 900

ADDITIONAL NOTE

Why industries get disrupted

  • Amazon did not kill the retail industry - They did it to themselves with bad customer service.
  • Netflix did not kill Blockbuster - They did it to themselves with ridiculous late fees.
  • Uber did not kill the taxi business - They did it to themselves by limiting the number of taxis and with fare control.
  • Apple did not kill the music industry - They did it to themselves by forcing people to buy full length albums.
  • AirBnB did not kill the hotel industry - They did it to themselves by limited availability and pricing options.

Technology by itself is not the real disruptor…
Being non-customer centric is the biggest threat to any business!

Everything can be rebuilt - starting from our smart revolutionary login ID

Holvi Payment Services Oy - was sold for 92 mEUR with a turnover of just 300.000 EUR.

In February Revolut raised 500 mUSD led by TCV at a $75 billion valuation.

Both companies have less than one third of the features MobiBankⓇ will have. MobiBank’s® competitive advantage revolves around its inherent comprehensiveness – it offers a far superior service for people and companies.

THE SOLUTION / COMPETITORS

THE SOLUTION
To solve the above mentioned problems, the main objective of the overall project is to create and launch commercially an innovative and unique MobiBank© www.mobibank.fi ecosystem for payments, credits, loans, money transfer and exchange etc. - totalling more than 20 features.

The objectives of the project, its activities and the approach proposed are consistent with the expected impact, which is to improve the product and to gain new markets and scale globally.

OUR COMPETITORS
Revolut announced that it had raised a further $800 million in a funding round led by Hong Kong-based DST Global, reaching a total valuation of $75 billion and thus becoming a unicorn.

Holvi which is second on the list (in investor presentation) was just sold with 92 million Euros with a turnover of 300.000 euros.

READ DISCLAIMER & CONFIDENTIALITY

DISCLAIMER
The information contained in this proposal is a general introduction to the products and services of Mobihai Ltd. (hereinafter referred to as “Mobihai”) or companies belonging to the same groups of companites, and the information contained herein should not be construed as an individual recommendation or recommendation for investment or other actions or omissions. All information provided is for informational purposed only. The information presented here is given at the time of presentation and may be changed without notice. Under market and other circumstances, changes may occure that may affect the content of the information presented.

Financial risk always entails the acquisition of financial instruments. There is no guarantee as to the actual return on investments or the fact that the value of the selected investments would be in line with the expected return assumptions are always positive. The targeted return may be lost and the invested capital may be partially or completely lost. Historical returns are not a guarantee of the future. The value of the investments may rise or fall, and thus investors may lose the funds they invest.

The customer is aware that the investment decision cannot be based solely on the marketing of the financial instrument. Because the customer is always responsible for the financial consequences of this investment decisions, the investment service he has chosen, his business and financial instruments, and the tax consequences, the client must familiarise himself with the characteristics, risks and taxation of the investment service and the financial instrument before making the decision. When making investment decisions, the customer must always base his / her decision on the financial instrument and the risks associated with the investment decision. If necessary, the customer must consult his / her own tax, business or investment adviser in his / her investment decisions.

Mobihai’s aim is to use reliable and comprehensive information, but this does not exclude the possibility of errors in the data. Mobihai shall not be liable for any financial loss or direct of indirect damages that may result from investment or other decisions based on the information contained in this proposal.

CONFIDENTIALITY
This transmission is intended only to the addressee indicated in this message and it may contain information that is privileged, confidential or otherwise protected from disclosure. Any review, publication, dissemination, copying or use of this transmission or its contents by persons other than an addressee is strictly prohibited, unless prior authorization is received from us. If you have received this e-mail in error, we kindly ask you to notify us immediately by reply e-mail and delete this message.

Certain statements on this page describe technologies, capabilities and commercial initiatives that remain under development, evaluation, negotiation or regulatory review, and related patent and intellectual property protection processes may be ongoing. These statements represent current objectives and should not be interpreted as confirmation of commercial availability, or as a guarantee of complete functionality, availability or coverage in all circumstances. Technical implementation details are confidential.

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