Crystal Clear Software Ltd.

1. LOAN PERFORMER The Number One in Micro-Finance Crystal Clear Software Ltd.

2. A Presentation By: Hans Verkoijen, Managing Director

3. A Uganda-based Company, founded in 1998 • Specialized in Software for Micro-Finance Company Profile

4. Make a Micro-Finance Product that is: • Flexible • User-Friendly • Customizable • Affordable LOAN PERFORMER Company’s Strategy

5. 162 Clients Use LPF Loan Performer Installed Base 30% in East Africa35% Rest of Africa20% Eastern Europe & Asia15% Caribbean & Latin Am. Over 300 installed sites.

6. Loan Performer Modules • Savings Module • 100 Savings Products • Time-Deposits • General Ledger • All Financial Statements • Budgeting • Assets • Sales & Purchases • Export to Other • Accounting Packages • Client Module • Individual Clients • Businesses • Groups • Group Members • Shares Module • For Individual & Groups • Dividend • Loan Portfolio Module • Tracking of Group Accounts • Linked to Savings or Shares • Printing of Loan Contracts Foxfire Report Generator

7. Loan Performer Modules General Features • Windows 2000/XP compatible. • Min. Requirements: 64 MB Ram, 800x600 screen resolution, A4 printer. • Supports Individual Lending as well as Grameen Lending or Village Banking. • Automatic Booking of Transactions to the General Ledger. • User definable menu-items and handles 10 user levels. • More than 150 standard reports, many as recommended by CGAP. • Export of reports to PDF, XLS and DBF format. • Export to 3rd party Accounting packages. • FoxFix database protection.

8. Loan Performer Modules Multi-Language Version • Users defined as English, French, Spanish, Russian or Other. At login interface changes automatically. • In network environment one can … while another … • All labels and menus can be overwritten by the user. • The 5th language option can be used for any (local) language.

9. Loan Performer Modules

10. Loan Performer Modules Client Module • Handles Individuals, Groups, Group Members and Businesses • User-definable Fields to Classify Clients (all reports can be filtered according to this) • Several Identity Documents • Mail-Merge Facilities for Loan Application, Disbursement and Notification Letters for Arrears • Clients can be black-listed.

11. Loan Performer Modules

12. Loan Performer Modules Shares Module • For Individual and Group Clients. • Automatic Dividend Calculation, 3 different methods. • The dividend period is flexible (maximum 1 year). • Dividend can be added automatically to the savings accounts.

13. Loan Performer Modules Savings Module • Max. No. of Accts: 100,000 / class (ind, grp, business) and / branch. • Up to 100 Savings Products, settings per product. • Groups can be tracked at group and member level • Automatic Interest Calculation, either on daily balances or on monthly minimum balances. • The interest period is flexible (maximum 1 year). • Interest can be added automatically. • Charges/Rewards can be deducted from/added to the accts. • Time-Deposits

14. Loan Performer Modules

15. Loan Performer Modules Loans Module 1/3 • Max. capacity: 1 million loans per branch. • Includes application, payment of commissions, approval, disbursement, repayment, rescheduling and write off. • Handles several loan funds with tracking per fund. • Supported installment periods: daily, (bi-)weekly, (half-)monthly, bi-monthly, quarterly, 4-monthly, (semi-)annual.

16. Loan Performer Modules Loans Module 2/3 • Supports Interest with each Installment, Up-front or Deducted at Disbursement. • Flat Rate, Declining Balance (Discounted/Amortized). • Can be linked to Savings as Guarantee. • Repayments from Savings Accounts. • Penalties on a Loan by Loan basis or automatically. • Non-working days and weekends.

17. Loan Performer Modules

18. Loan Performer Modules Loans Module 3/3 • Generation of Loan Contracts via MS Word. • User-Definable Fields to Classify Loans. • User-Definable warning letters (Period and Contents). • Calculation of Loan Provision and update of Gen. Ledger • Write off on a loan by loan basis or automatically. • Break down of reports by branch, loan product, type, geographical area, credit officer,loan fund, client or loan category.

19. Loan Performer Modules

20. Loan Performer Modules General Ledger 1/2 • Chart of Account according to any format. • Each payment in Client/Shares/Savings or Loans Module can be passed to a separate account. • Creation of GL Accounts in addition to System Accounts. • Analysis according to Product, Donor, Branch, Cost Centre, Debtor, Creditor.

21. Debtors and Creditors Module • Entry of Invoices received • Printing of Payment Orders • Entry of Payments received • Entry of Invoices Issued • Entry of Payments made • Automatic Update of the GL.

22. Loan Performer Modules

23. Loan Performer Modules General Ledger 2/2 • Manual entries in addition to automatic entries. • Automatic booking of standard transactions. • Assets Module. • Supports budgets. • Export to 3rd party accounting packages. • Reports on Budget Tracking, Break Down Reports, Profit per Period, Cash Flow, Trial Balance, P&L Statements and Balance Sheets.

24. Loan Performer Modules

25. Loan Performer Modules Foxfire Report Generator • Create your own reports • Data-dictionary available • User-friendly interface • However….

26. Loan Performer Modules

27. DATA-BASE CONVERSION Loan Performer imports:- Clients (Ind./Buss/Groups/Members)- Savings Transactions, Savings Transfers- Loan Applications/Approvals/ Disbursements/Repayments- GL TransactionsFrom XLS/DBF/TXT filesTemplates Available

28. Loan Performer Modules • Client Module • Individual Clients • Businesses • Groups • Group Members • Shares Module • For Individual & Groups • Dividend • Savings Module • 100 Savings Products • Loan Portfolio Module • Tracking of Group Accounts • Can be linked to Shares or Savings • General Ledger • All Financial Statements • Budgeting • Export to Other Accounting Packages Database Encryption Foxfire Report Generator

29. Loan Performer Modules • Savings Module • 100 Savings Products • Time-Deposits • General Ledger • All Financial Statements • Budgeting • Assets • Sales & Purchases • Export to Other • Accounting Packages • Client Module • Individual Clients • Businesses • Groups • Group Members • Shares Module • For Individual & Groups • Dividend • Loan Portfolio Module • Tracking of Group Accounts • Linked to Savings or Shares • Printing of Loan Contracts Foxfire Report Generator

30. Marketing Policy • Licenses per branch, cheap for small organizations • Annual fees for free updates and support • Free bug-fixes • Try it out before you buy • Distribution via web:www.loanperformer.com • Local support via Representatives • Email list for LPF Users: http://groups.yahoo.com/group/loanperformer

31. Pricing • Single user, one office license: US 900 plus US 180 annual fees. • Single user, 2 to 5 offices: US 585 per license per office plus US 117 annual fees (free updates and email/fax/phone/chat support). • Single user, 6 to 10 offices: US 540 per license per office plus US 108 as annual fees. • More than 10 offices: US 495 per license per office plus US 99 as annual fees. • Five user, one office license: US 1, 600 plus US 320 annual fees • Twelve user, one office license: US 2,200 plus US 440 annual fees • Client-server license: USD3,000 plus USD 600 annual fees (not including SQL Server). • Demo version: US 65 to cover shipping costs.

32. WANT TO KNOW MORE? • CGAP Review • WEBSITE www.loanperformer.com • Download or buy the demo CD • Crystal Clear Software Ltd. • PO Box 7463 Kampala, Uganda • P.O. Box 311-2010 Zapote, Costa Rica • Email: info@loanperformer.com

33. LOAN PERFORMER The Number One in Micro-Finance Crystal Clear Software Ltd.