1. Cupertino. Fremont. Diamond Bar. Irvine. Millbrae/San Francisco. Pleasanton. San Marino. Beijing 2013 P2P Microfinance Summer Program Introduction

2. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing P2P Microfinance Innovation est. 1986 P2P (Peer to Peer) Mircofinance: Helped 20 MM Poor Loans amount over $350B Repayment Rate 97% Everyone has Credit, and credit has Value! Dr. Muhammad Yunus 2006 Nobel Peace Prize Winner

3. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing China’s Economic Growth

4. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing Impoverished Chinese Rural Areas 600 of 2862 Counties in China are considered as areas under the UN poverty line 100MM people in China live on less than US$1 a day

5. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing CreditEase: YiNongDai Program

6. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing How Does YiNongDai Work?

7. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing P2P: Changing People’s Destinies A small amount of money could make a HUGE impact on a family’s life!!!

8. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing Borrower No. 1 Group 1 & 4’s Choice

9. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing Borrower No. 2 Group 2’s Choice

10. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing Follow-ups with the Borrowers 岳增勤在 2010 年 9 月份申请贷款 4000 元进货，在闻集街经营一家五金杂货铺, 在农村春节过后装修房子的不多，五金电料平均每月能盈余 1500 元，现在将 要进入夏季，目前计划进一批电风扇种电器，现在批进电风扇价格便宜，以 备夏季销售。 贷款归还情况：分别在 2010-12-29 与 2011-03-29 两天，分别足额归还本 金和利息￥ 1020 。 马菊花现在在李老家街粮油生意还不错，现在食用油价格是直线上涨，占用 资金成本很大，每月盈利 2000 元左右，再有一个月到了小麦收获季节，计划 与面粉厂收购小麦。 贷款归还情况：分别在 2011-01-13 与 2011-04-13 两天，分别足额归还本 金和利息￥ 1020 。 李四的超市规模现在越来越大，每月的收入非常可观，计划再接一个品牌的 奶粉，提高自己超市的知名度。 贷款归还情况：分别在 2011-01-13 与 2011-04-13 两天，分别足额归还本 金和利息￥ 1020 。

11. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing Valuable Experiences Real Business Experiences Real P2P model Real loan, real money, real transaction Real borrowers / people need financial support Real business interviews Real business analysis Unforgettable Life Experiences Being a teacher Being a farmer Being a leader Being a teammate Being a better person…

12. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing Student Comments - Belinda Zeng

13. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing Student Comments - Johan Qin

14. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing Program Goals Fundamentals on finance and microfinance P2P microfinance models and platforms Basics on how to evaluate a business Real experience of learning how a little amount of money can change someone’s life And Teamwork Communications with teachers, teammates, borrowers, local kids etc. Interviews / Presentations

15. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing Program Tasks Conduct research on microfinance & P2P financing model Receive trainings on fundamental concepts on finance and microfinance, communications, how to review a business, and how to make a speech or presentation Complete P2P financing/loan process via CE P2P Platforms – Group decisions Conduct field trips to interview borrowers on site at Tongxin, Ningxia, China Participate in other philanthropy and networking activities in China, such as teaching and interacting with the kids at local school… Prepare final reports and group presentations

16. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing Program Trainings Effective Communications Self-Introductions On-site business interviews Teaching village school kids Basics on How to Evaluate a Business 4 P’s 4 C’s SWOT Analysis Financials/Income Statement How to make a Speech or Presentation Story-Telling, experience sharing Group Presentation

17. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing Program Schedule

18. The Gateway to Your Dream College and Beyond! Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing P2P: A Self-Finding Journey! A Journey of Poverty2Prominence! Thank You! P2P: A Self-Finding Journey! A Journey of Poverty2Prominence! Thank You!