€ SWIFT Global mieeeae SwiftGlobal Nigeria Limited Introduction to Shadow Banking * Shadow Banking is a non-banking entity that provides lending services and can provide credit to clients more cost efficiently as shadow banks do not have to comply with the rigorous regulations enforced upon the traditional banks. This allows the shadow banks to provide credit to the low income market where customers’ credit worthiness might be poor. * Shadow banks also provide financing, but at far higher interest rates than the traditional banks. They are seen as growth initiators as they can provide lending where traditional banks cannot due to regulationCompany Profile Y SwiftGlobal Nigeria Limited is a start up, primarily a Credit Lending and Outsourcing Company ¥ Our mission is to be Nigeria's leading credit lending and outsourcing company of choice. ¥ Our core business is providing tailor made solutions to meet our retail and SME customers’ needs, Y We are innovative in our use of technology to complement our Credit Lending services SwiftGlobal sponsors have over 30 years combined experience in financial services About Us Y Chinedu Nivagiu ithe Founder and CEO of SwiftGlobal Nigeria Limited with strong competencies in isk Managemert, RetailProducts Develonmentand Sales He comes with over Lé earscognate barking esrerience, Y Udukenel lzebuno, is currentiy the Executive Director / COO of SwiftGlobal Nigeria Limited, He comes with over 10 yeers of Sales experience inthe Banking and Manufacturingsectors, He runs a Business Advisory Consultancy, Y \konna me is member of the board of SwftGlobal Nigeria Limted and has over 10 years cognate barking experience, working in various financial institutions with extensive experience in Retal, Commercial, Corporate, Enterprise Risk, Management. He is @ Chartered Banker, Scotiand and Wales and Business Strategy and core competences in Weal Nigeria Y Obinna Iwuchukwu isa member oF te Board of swinGicbal Nigeria Limited with over 10 years of banking experience. He currently runs his own Environmental Consultancy firm in the United States of America. He holds an MSc. in Environmental Poluticn Control (Middlesex), LMlexpected) - Environmental Maragement & Sustalnablity (Harvard), IMEES (UK), MCIWM (UR)Our Vision To be Nigeria’s foremost financial institution in key economic centres in Nigeria and West Africa at large Our Mission To offer swift and efficient financial services, using technology to create wealthcredit Lending Product Market Survey Parris the standard credit lending market in Nigeria catered for corporate clients and sparsely Sipe ‘employment working er Blue Chip’ companies Le. Large Corporates. In recenttimes, there has been a prolferetion of et and emergence of the niddleincerse segment. ding product This lnked te Nigeria's econemis advancements ‘The sector ie attracting foreign financial nsthutions and other non-banking organisation: but the commercial banks sppesr scepticallargely because erequires kil set cfferent from whatthey have developed ver the year “+ Notable players are FCMB Group, Diamond Ban, Renmaney and One Credit but other mid sia lenders lke Rosabon and) City Gete have been eround ond continue thrive. + The current scenario has created & marist gap and certainly an opportunity fr sm Nigeri.and ultimately attractforeign investments lr landers to thrive in retail lencing in Industry isnot regulated by CBN or any other government agencyCreditMonaie ‘The CreditMonaie Lending product addresses funding gaps in two segments. Retail - Salary Earners “Payday Loan: Providing pay day loans for emergencies and other personal needs ‘Travel Loan: To fund that desired travel expenses “Rent Advance: To fund the payment of house rents Small Businesses Business loans to bridge working capital shortfalls specifically LPO financing and invoice discounting accounting for 40% of our loan book. ‘The primary market is Lagos with a long term expansion plan to other major cities in Nigeria, Lagos is the most populous city in Africa ( with over 20million) and is estimated to be the second fastest growing economy. Target Market Retall- Salary Earners Y Minimum net monthly Salary of N100,C00 “Single Obligor Limit is 30% of net monthly Income multiplied bytenor subject to a maxof 1N500,000 Confirmed Staff orat least 1 year in current employment in a middle to blue chip company “Employer must have a stat strength of 50 “Current Accountholders ‘Small Businesses Y Listed service providers (MSME) to Large Corporate in the following sectors + Oil and Gas + Manuracturing + Telecoms + Financial Services ¥ Minimum annual turmover of N1Omilion Existing unpaid invoicesOur Approach — Credit Lending Scout management sxcted ae propery (wien) ‘emunerated aud management omprcterahe data sstnerng endtc ena \costeicient. +|our Relationship Officers lare on hare to offer atallor Imade solution. Very thorough validtion [process fraud control + [Relationship Offcors aro lincontvzed on sales and [election (combined)* Use 3 party Risk Transfer Company to guarantee 100% of each of our transactions against default Risk Management Approach * Use ofa technology platform (Remita Collections) to ensure effective monthly collections Recovery Strategy cay sta Advanced stane Late stagePeer Investors Our Creditors ¥ Peer Investors are friends who believe in our vision and will like to eam a little more Y _CreditMonaie Lending product is funded by these Peer Investors Y We guarantee a ROI of 20% pa on a minimum investment of N10) monthly or quarterly pay-outs after a 6 months grace period. imum investment period is 1 year with a 6 month gestation period ¥ Peer Investors are considered creditors with a future option of Share Holdings; this will be based on mutual agreement.Conclusion Why not make your money work for you? Invest in us! Thank you!!