1. Accelerating Access to Microfinance: Unitus Overview and Results

2. www.unitus.com 2 Overview

3. www.unitus.com 3 Our Vision A world where the world’s working poor have access to the critical financial products and services that they need to build a better life for themselves, their families and even future generations.

4. www.unitus.com 4 Our Vision A microfinance landscape filled with dynamic and rapidly- growing organizations that are improving the lives of the poor by tapping commercial capital and providing innovative financial products and services with superior customer focus.

5. www.unitus.com 5 Why Unitus Exists What We Do: Fight global poverty –We decrease poverty by increasing access to microfinance Our Strategy: Accelerate the growth of microfinance –We select and partner with early-stage, high-potential microfinance institutions around the globe –We provide the technical and financial support that enables these organizations to grow faster, and reach more of the world’s poor Our Impact: 1.4 Million+ empowered –Our global portfolio of microfinance partners is reaching more than 1.4 million micro-entrepreneurs with affordable and life-changing financial services

6. www.unitus.com 6 Where We Work As of January 2007, Unitus has 13 partners

7. www.unitus.com 7 Unitus by the Numbers 1,400,000 Families empowered with access to microfinance 13 Worldwide partners in our portfolio 3 New countries represented in our portfolio in 2006, representing almost 70,000 new clients 94 Dollars – the average loan size offered to small entrepreneurs by Unitus microfinance partners 94 % Women – the Unitus portfolio of partners empowers over a million women with life-changing financial services. 109 % Annualized average growth rate of Unitus partners “The work of Unitus as a microfinance accelerator is both complementary and consistent with the work of Grameen. We applaud their strategy.” Muhammad Yunus, Founder & Director of The Grameen Bank Winner of 2006 Nobel Peace Prize

8. www.unitus.com 8 Microfinance Opportunity

9. www.unitus.com 9 Huge Unmet Demand

10. www.unitus.com 10 Most Microfinance Institutions (MFIs) are small To date, the MFI industry has failed to develop a systematic and sustainable growth model.

11. www.unitus.com 11 Why Don’t MFIs grow? Lack of Capital Banks won’t lend because of negatively perception of MFIs as unprofitable and undisciplined Most are unregulated nonprofit organizations, prevents –Building equity base –Optimizing use of commercial debt for leverage –Capturing savings deposits Limited access and familiarity with local capital markets, except for the few top-tier MFIs Lack of Capacity Weak corporate governance Lack of management depth Absence of management and strategic planning systems Insufficient business infrastructure –MIS/Accounting –Technology –HR

12. www.unitus.com 12 A Proven Model

13. www.unitus.com 13 Unitus Acceleration Model

14. www.unitus.com 14 Select Due Diligence Components: Market Opportunity: Supply/Demand, Social, Political, and Environmental Considerations Organization Life Cycle: Start-ups and mid- market MFIs Institutional Factors: Visionary Management, Legal Structure, Track Record, Systems Strategy and Mission: Poverty Focus, Competitive Advantage, Marketing Focus on Profitability and Sustainability: Operating Model, Portfolio Quality, Financial Management Management’s dedication to collaboration and commitment to growth Identifying favorable markets and selecting high-potential MFI partners. 100 50 7 5 2006

15. www.unitus.com 15 Consult Capacity-building to prepare MFIs for rapid, long-term, profitable growth Improve corporate governance –Ensure local board oversight; Unitus board participation Expand depth of senior management –Evaluate organization structure –Assist with establishment of hiring and training systems Strengthen reporting and strategic planning processes –Implement Monthly Management Reporting and Balanced Scorecard –Support adoption of industry best practices (e.g. CGAP reporting standards) Facilitate capacity-building consulting projects –Improve MIS/Accounting systems and technology –Implement performance and human resource management systems –Expand product offering for target customer base

16. www.unitus.com 16 Invest

17. www.unitus.com 17 Results

18. www.unitus.com 18 The Unitus Effect Unitus Partnership Begins Unitus Partners With our technical and financial support, our partners have grown faster and are reaching more microentrepreneurs.

19. www.unitus.com 19 Catalyzing Rapid Growth ** Peer group MFIs (based on those who began the year with less than 100K clients, and who had reported to client numbers for at least two consecutive years) Unitus is the fastest growing network in the industry; our microfinance partners have more than a 109% annualized average growth rate. 2x Industry 4x Industry 8x Industry

20. www.unitus.com 20 Unitus Outreach in India 200420052006Projected 2007 0-50k clients 50-100k clients 100-250k clients >500k clients 250-500k clients 150,000 clients430,000 clients1 million clients2.6 million clients Unitus penetration in India has grown both in breadth and depth

21. www.unitus.com 21 Leveraging Donor Dollars Number of clients our microfinance partners can add for every $1000 donation to Unitus. “I want to see my contribution handled efficiently so that I know that all of it is being put to good use. Unitus is, by far, the most professional and qualified microfinance organization operating today.” Victor B. MacFarlane Donor to Unitus since 2005 Managing Partner, MacFarlane Partners San Francisco, CA 18x Leverage for Every Donor Dollar

22. www.unitus.com 22 Where We’re Going… Our Goal for 2007: Double our outreach 2006 11 Partners: 1.3 million empowered 2007 22 Partners: 2.6 million empowered PROJECTION FY 07 2,500+ 25,000+ 245,000+ 540,000+ 1,000,000+ 2,000,000+ 1,300,000+

23. www.unitus.com 23 2007 Plans 2006 2007 Growth Partners: 12 22 85% Clients: 1M 2.6 M 160% Countries: 6 10 67% Funds raised: $6M $10M 67% Debt arranged: $3M $20M 567% Equity raised: $9M $20M 122% Equity deals: 3 7 133% Solutions: 2 4 100% Staff 40 46 15% Ops budget $3.5M $4.7M 34% Outputs Inputs

24. www.unitus.com 24 Unitus 2010 Our Portfolio: 50 of the world’s fastest growing MFIs Our Value Proposition: Serving the world’s poor with efficient, high-quality, low-cost financial products and services, delivered with superior customer support Our Innovations: –MFIs offering full range of financial products and services –MFIs as delivery channels for other products and services –Global leadership in capital structuring and financial advisory for social enterprises Our Solutions: Profitable business units generating more than 60% of our revenue The Unitus Equity Fund: A recognized leader in social enterprise investing in emerging markets

25. www.unitus.com 25 Appendix: What People Are Saying… “We’re excited about our Unitus partnership because it combines capital investment with a strategic, stable growth model and will help us reach out to 500,000 of India’s poorest.” Mr. S. Devaraj Founder, Chairman, Managing Director, ASA-GV (India) Unitus MFI partner since 2004 Our Microfinance Partners “Microfinance is one of the most important economic phenomena since capitalism and Unitus has figured out a way to take it to the next level. The Unitus Acceleration Model represents the future of an industry with the potential to lift a half billion people out of poverty.” Vinod Khosla Founding Partner, Khosla Ventures “Instead of giving a handout, Unitus empowers women to improve their lives and the lives of their children. By making microfinance available to more people, Unitus is helping alleviate poverty in a sustainable way.” Julie Todaro, Unitus donor since 2005 Director of Finance, Amazon.com Seattle, WA Our Donors Our Industry Peers Microfinance Investor “Unitus is committed to playing an important role in the microfinance industry by helping accelerate the growth of high quality microfinance institutions.” Maria Otero President & CEO, ACCION International

26. www.unitus.com 26 Appendix: Recognition & Media Coverage Nov 2006: Fast Company Social Capitalist Award Winner (2006 and 2007) Sep 2006: One of Seattle’s 25 “Best Places to Work” Jun 2006: Geoff Davis (Unitus President & CEO) wins “Entrepreneur of the Year” Nov 2005: Clinton Global Initiative Certificate of Commitment Awards Media Coverage Unitus has been profiled in 50+ articles since 2002