Investor Presentaiton

Consumer perspective: Income, gender, geographic, target market Banked Other formal Informal Family and friends Excluded Income $ Gender ** High income >$100 20% 34% 11% 17% 18% Female 10% (10,724,133) 19% 12% 23% 36% (5,618,132) Low income <$100 8% 17% 15% 25% (11,451,352) 34% 0% 20% 40% 60% 80% 100% Geographic location Male (10,971,653) 13% 23% 15% 22% 27% 0% 20% 40% 60% 80% 100% Farmers vs. Traders Kinshasa 20% 25% 13% 16% 26% (6,493,780) Farmers 4% 16% (6,855,399) 15% 29% 36% Urban 17% 29% 9% 19% 25% (3,812,698) Rural 5% 16% 15% (11,389,308) 0% 20% 40% 28% 37% 60% 80% 100% Traders 13% (6,188,414) 25% 18% 18% 26% 0% 20% 40% 60% 80% 100%

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