1. Introduction to Sanchetna Financial Services Pvt. Ltd. September 2009 This Document is CONFIDENTIAL and its circulation and use are RESTRICTED

2. 1. Executive Summary 2. Mission & Vision 3. Management Team 4. Board 5. The Market 6. Expansion Strategy 7. The Clients 8. Loan Product 9. Systems & Processes 10. Current & Projected Info

3. Sanchetna Financial Services Private Limited (Sanchetna) is an NBFC started by young, dynamic, passionate & professionally qualified individuals having more than 18 years of microfinance experience. The mandate of the organization is to reach poor unbanked clients in some of the most poor states of India. The organisation was founded in June 2008 and the field operations started in October 2008 in Barabanki, Uttar Pradesh (UP). Sanchetna plans to move to other districts of UP and Uttarakhand in the next 3 years and to Bihar, Madhya Pradesh and Rajasthan in the next 5 years. It is looking to raise around Rs. 10 crores over the next 12 months. Key Metrics as on 31 August 2009 1. Executive Summary 2. Mission & Vision 3. Management Team 4. Board 5. The Market 6. Expansion Strategy 7. The Client 8. Loan Product 9. Systems & Processes 10. Current & Projected Info Particulars Detail Date of formation 8 th June 2008 Areas of Operation Uttar Pradesh Portfolio outstanding Rs. 7982353 Number of active borrowers 1070 Number of branches 2 PAR (outstanding > 30 days) 0%

14. Loan Purpose Design Samridhi Group based loan for providing working capital Rs. 4,000 – 12,000 @ 15% flat 46 weeks repayment Increasing by Rs. 2000 every loan cycle Suvidha To meet additional fund requirements after successful repayment for 23 weeks Upto Rs 6,000 Increasing by Rs 1,000 every loan cycle Individual After minimum two loan cycles to individuals for enterprise development Rs. 30,000 and above Monthly repayment @ 24% per annum Loan cover insurance Cover the clients against death for the loan amount @ Rs. 2.85/1000 Rs. Among the best deals in the microfinance space 1. Executive Summary 2. Mission & Vision 3. Management Team 4. Board 5. The Market 6. Expansion Strategy 7. The Client 8. Loan Product 9. Systems & Processes 10. Current & Projected Info

15. SANCHETNA Integrated Microfinance Financial and Non-financial services OTHER MFIs IN THE REGION Minimalist Microfinance Missing Piece – Credit Financial Intermediation Working Capital Asset Purchase Social Intermediation Financial Literacy Leadership Co-operation Business Development Marketing Production Training Competitor Analysis Preparatory BDS Setting of Business Activity Capacity Building Support 1. Executive Summary 2. Mission & Vision 3. Management Team 4. Board 5. The Market 6. Expansion Strategy 7. The Client 8. Loan Product 9. Systems & Processes 10. Current & Projected Info

16. 1. Executive Summary 2. Mission & Vision 3. Management Team 4. Board 5. The Market 6. Expansion Strategy 7. The Client 8. Loan Product 9. Systems & Processes 10. Current & Projected Info

19. 1. Executive Summary 2. Mission & Vision 3. Management Team 4. Board 5. The Market 6. Expansion Strategy 7. The Client 8. Loan Product 9. Systems & Processes 10. Current & Projected Info

20. 1. Executive Summary 2. Mission & Vision 3. Management Team 4. Board 5. The Market 6. Expansion Strategy 7. The Client 8. Loan Product 9. Systems & Processes 10. Current & Projected Info

21. 1. Executive Summary 2. Mission & Vision 3. Management Team 4. Board 5. The Market 6. Expansion Strategy 7. The Client 8. Loan Product 9. Systems & Processes 10. Current & Projected Info