1. H&H ACQUIRE ISLAMIC FINANCE OPTION

2. WHAT IS H&H ACQUIRE? Assalamu Alaikum H&H ACQUIRE started as an initiative to the growing needs of Muslims in our present Nigeria who have specific asset needs for business/or personal needs but are challenged with availability of ethical financing devoid of interest (Riba). H&H Acquire is an Islamic asset subsidiary of H&H investment which enables the individuals/companies to purchase identified assets and pay over a specified period of time in agreed installments.

3. TYPES OF ASSET UNDER H&H ACQUIRE CAR LEASING (0-12months) HOUSEHOLD/OFFICE ITEMS/EQUIPMENTS (0-12 months) COMMERCIAL GOODS PURCHASE/SHARE PURCHASE (0-12 months) MORTGAGES (0-12months ) LAND ACQUSITION /BUILDING MATERIALS (0-12 months)

4. PRODUCT AVAILABLE…. 1. IJARA (Financial Lease) Is a form of leasing where a property (Car, Home appliance, building/villa, etc.) is leased by the lessor to the lessee in a way that at the end of an agreed lease period, the lessee becomes the owner of the property by purchasing it from the lessor during or at the end of the lease period at an agreed sale price. Applying the above, upon your promise to lease from us, we purchase, for ourselves and in our own name, a property specified in your promise and then lease it to you on terms of financial lease. The lease rent is structured in a way that at the end of the lease period, our purchasing cost and profit is recovered and we transfer the ownership of the property to you for a nominal sale price or as a gift by a separate sale or gift contract at the end of the lease period. Details of the terms under which this product is offered are outlined below: Terms of Financing: Down Payment: Minimum 20- 50% of the purchase price* Financing Period: Up to one years Processing fee and Margin as per agreed Eligibility: H&H 1 million max., H&H Friend or Family #500,000 max. Mode of Payment: Monthly, Quarterly, Semi-annual or Annual terms are available Source of Payment: Employment, Business cash flow, Rentals of the building in question etc Profit Rate: Fixed throughout the financing period at 15% mark-up Security: Post dated cheque covering installments, 2-Guarantosr, Documents of asset/Collateral. Qualified Assets: Cars, Home appliances, machinery, Residential/Office Buildings & Villa Complexes etc.

5. H&H REQUIREMENTS Documentary Requirements: Primary documents comprise: Individuals 1. Copy of valid passport 2. Completed H&H application form 3. Pro foma invoice for goods 4. Copy of site plan (Land) 5. Copy of title deed (land) 6. Copy of lease contracts (covering purchase of existing rented property) 7. Copy of last six months bank transaction. Companies 1. Pro-foma Invoice 2. Copy of Commercial/CAC Registry 3. Copy of Partnership agreement (in case of partnerships) 4. Copy of valid passport of partners (in case of partnerships) 5. Copy of valid passport of authorized personnel and copy of Articles of Association defining their powers 6. Copy of site plan 7. Copy of title deed 8. Last 3 years’ financials 9. Copy of lease contracts (covering purchase of existing rented property) *Requirement may be lowered if additional security is provided.

6. 2. Murabahah “H&H Commercial Goods Purchase” An agreement whereby H&H Acquire sells to a customer a commodity which we have purchased and acquired based on a promise received from customer to buy the item purchased according to Specific terms and conditions. The selling price comprises the cost of the commodity plus an agreed profit margin. Terms of Financing: Down Payment: Minimum 0- 50% of the purchase price* Financing Period: Up to one years Processing fee and Margin as per agreed 15% Eligibility: H&H 1 million max., H&H Friend or Family #500,000 max. Mode of Payment: Monthly, Quarterly, Semi-annual or Annual terms are available Source of Payment: Employment, Business cash flow, Rentals of the building in question etc Profit Rate: Fixed throughout the financing period at 15% mark-up Security: Post dated cheque Covering installments, 2-Guarantosr, Documents of asset/Collateral. Qualified Assets: Building materials, FMCG goods, Animal Feeds, Events items, books/schools items etc.

7. OBLIGOR LIMITS MAXIMUM EXPOSURE TO CUSTOMERS 1.H& H DIRECTORS: 1,000,000 2. H&H DIRECTORS FAMILY /FRIENDS: 500,000 APPLICATIONS WILL BE TREATED ON A CASE BY CASE BASIS AND ON FIRST COME FIRST SERVE BASIS.