1. RML PROFILE 2005 RML

2. Simply Faster Credit Map of Rwanda

3. Simply Faster Credit Background Privately owned company by local and international shareholders of good repute including an institutional investor. Incorporated in May 2004 and operational by October of 2004. Licensed by the Banque Nationale du Rwanda (BNR) as a credit only institution.

4. Simply Faster Credit Vision To be an industry leader in the provision of profitable and sustainable credit and financial services to lower income salaried individuals and entrepreneurs in Rwanda

5. Simply Faster Credit Mission Improve the livelihoods of its clients through the provision of efficient customer focused financial services while earning an above the average return for its shareholders and creating a rewarding and stimulating working environment for its employees

6. Simply Faster Credit Objectives of RMFinance To be a leading provider of commercial microfinance services to lower income individuals and micro-corporates / small entrepreneurs in Rwanda. To build a substantial and profitable portfolio and client base while enhancing the livelihoods and businesses of our clients. To be an employer of choice creating exciting and rewarding career prospects for all RML staff To contribute to the growth and development of the Rwandan economy

7. Simply Faster Credit PRODUCTS - LOANS Payroll – targets low income earners that are not being served by the traditional financial institutions 1. Loan size (affordability)25,000 – 2,000,000 2. Loan TermUp to 12 months 3. Repayment FrequencyMonthly Micro Corporate – its individual based and targets borrowers with some form of security like personal or business assets 1. Loan size (Capacity to pay)200,000 – 2,000,000 2. Loan TermUp to 6 months 3. Repayment FrequencyMonthly, Bi-weekly, Weekly

8. Simply Faster Credit Accessing a Payroll Loan Employer must have signed an MoU Present Pay slip Passport photo Copy of ID Fill out application form 6 hours later, receive loan. (Assumes that your application is complete and conforms to Policy)

9. Simply Faster Credit Accessing a MCC Loan In business for at least 1 year Present a Patent or (Copy Business Registration) Same business location for last 6 months Copy of ID and 2 Passport size photos Bank statement where applicable (of Advantage) Fill out application form Business Appraisal 3 – 5 days later, receive loan. (Assumes that your application is complete and conforms to Policy)

10. Simply Faster Credit SECURITY/COLLATERAL REQUIREMENTS Personal Property – Fridge, TV/Video, Music Systems Business Assets – Sewing Machine, Computers, Lock-ups Copy of Motor Vehicle Log Book House Title (ALL MUST BE NOTARISED)

11. Simply Faster Credit Key Performance Statistics

12. Simply Faster Credit Future Plans New Products Group lending methodology Current Savings Accounts Catalogue based lending New branches to serve the unbanked economically active population

13. Simply Faster Credit Future Plans New Products Group lending methodology Current Savings Accounts Catalogue based lending New branches to serve the unbanked economically active population Institutional Needs Funding for loan portfolio growth Capacity building – training and infrastructure

14. THANK YOU