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Investor Presentaiton

Loan issuance and scoring process Each client's ability to repay loans is evaluated based on automated scoring process. Firstly client must meet the eligibility criteria: age, citizenship, having an active phone number and no bad precedents in the credit history database. Each new customer is required to visit a branch during the loan application process. Thereby every potential customer is screened by the Customer Service Specialists. They are trained to evaluate behaviors to prevent potential fraud cases. In addition to the eligibility criteria returning customers are also evaluated based on their previous loan repayment performance and in case of good credit history and repayment discipline loan limits are increased. Conditions for Issuance of Loan 88 23/70 LK 鳯 Between 23-70 years old Valid B&H ID or Active phone number Passport No bad precedents in credit history
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