Lending Manual Implementation Implementation Stages and Smartsheet usage July 13, 2012

Background Based on Azerbaijan Lending Manual and other documents from Eurasia Reviewed and edited by team made up of regional COOs, Internal Control, and HUB staff Includes all relevant credit department policies and procedures Serves as a regional template, to be adjusted to fit each countries needs – adjustments will be approved by HUB before implementation

Subsidiary Implementation HUB will provide: -CDM Template – English Versions – by August 30 th -CDM Template – Spanish Version/ French – TBD -Attachments – English Versions – by August 30 th Subsidiaries will develop and administer in Smartsheet: -Sub CDM – English Version with track changes -Attachments in Spanish or French ( no need to adjust the engl. Version) -CDM –in English & attachments must be Hub approved before BOD

Implementation Process Training and Implementation in Q Level 3: Follow-up Training and compliance Follow training for all Credit Department employees Written tests on knowledge and understanding of CDM Internal Control compliance review and report Level 2: Region-wide implementation of all remaining Policies and Procedures Subsidiary proposal for HUB 30 January 2013 Manual to BOD: 30 March 2012 Training April 2013 Implementation 30 May 13 Level 1 - Region-wide implementation of Key Lending Policies and Procedures Subsidiary proposal for HUB 15 October 2012 Manual to BOD: 30 November 2012 Implementation 1 February 2013 Training January 2013

Implementation Level Details During Level 1 Implementation: Each 1 st Level chapter must be adjusted and implemented in full, no parts or attachments can be left out for later review. Content of 2 nd Level chapters can be marked as “TBD”. Overall document structure and the headlines must remain unchanged in numbering and naming. During Level 2 Implementation: Remaining parts must be adjusted to Subsidiary needs Specific chapters or subparts can be left out or shorten based in Hub approval.

Level 1 – Region-wide implementation of Key Lending Policies Chapter 102 – Credit Department Chapter 103 – Client Eligibility Chapter 104 – Client Rights and Responsibilities Chapter 106 – Financial Services Principles & Standards Chapter 107 – Credit Policies and Procedures Chapter 108 – Collaterals Chapter 109 – Loan Guarantors Chapter 110 – FINCA Credit Committee Chapter 119 – Collections Department Chapter 112 – Loan Disbursement Chapter 114 – Payment Collection Chapter 115 – Client Rating System Chapter 116 – Client Monitoring, Site Visits, and Supervision Policies Chapter 118 – Management of Loan Accounts in Arrears

Level 2: Region-wide implementation of all remaining Policies and Procedures Chapter 105 – Marketing and Product Promotion Chapter 111 – MIS Chapter 113 – Loan File Administration Chapter 117 – Transfer of Client Account Responsibility Chapter 120 – Credit Staff Variable Compensation Chapter 121 – Credit Staff Performance Management Chapter 122 – Policy Review

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Regional Implementation