Over 2.5 billion people--almost ½ of the world's population--live on $2 or less per day

2. Over 2.5 billion people--almost ½ of the world's population--live on $2 or less per day Between 1990 and 2000, government development assistance to developing countries has fallen both in real terms and as a percentage of donor country's GNP A critical need is not being adequately met

3. many of the world’s poor: Are hard-working entrepreneurs Can’t get credit (small working capital loans) to run their tiny businesses profitably Are virtual slaves to loan sharks who charge 300% to 3000% annual interest Remain in poverty because they can’t “get ahead”

4. Microcredit loans offer an economic miracle Millions of self-employed poor have used $50 - $150 loans to work their way out of poverty

5. 1970s: The birth of Microfinance Institutions (MFIs) in places like Bolivia and Bangladesh MFIs offer small loans that are used to purchase supplies and inventory and improve infrastructure Borrowers repay principle and interest with lower delinquency than commercial banks, typically 95+% Proven results: Businesses grow, with profits improving family income Increased access to health care Increased access to education Improved housing Increased borrower self-esteem Stronger communities

6. demand for microfinance Global demand is estimated at 300,000,000 clients 30,000,000 clients currently have access to microfinance, only 10% of total demand Unmet demand is 270,000,000 clients or 90% of total

7. the MFI industry has failed to develop a systematic growth model 70% 18% 9% 2%

8. typical MFI growth curve

9. the MFI industry is stalled why? 1. Capital 2. Capacity • Internal Controls • Management Procedures • IT Infrastructure • Organizational structure • New product development • Non-profits funded by grants • MFI is viewed as risky for a commercial loan • Need to reach a critical mass to become profitable

10. Unitus has invented a new way of accelerating the growth of selected microfinance institutions (MFIs) Our unique approach rapidly increases the number of people receiving microcredit loans

11. what we do

12. Unitus Acceleration Model Phase 1 – Identifying potential partners Phase 2 – Selecting a partner Phase 3 – Structuring the investment Phase 4 – Growing the MFI Phase 5 – Exiting the investment

13. benefits of acceleration For the Loan Recipients For the MFI • Improved standard of living • Increasingly successful microenterprises • Enhanced business skills • Strengthened social networks • Scale • Operational and financial self sufficiency • Capacity • Access to sustainable funding

14. Unitus Extensively studied the microfinance field and analyzed it’s 20 year history of successes and failures Determined where and how to have the greatest impact Continues to research how to best alleviate poverty via microfinance and then implement newest findings

15. Unitus Focusing on growth, we maximize the number of poor entrepreneurs accessing microfinance Select MFIs with the greatest potential via our due diligence process. Provide industry expertise and oversight, not just funding Connect MFIs to commercial funding and move to the next high potential MFI Not tied or limited to any one MFI brand or network Provide financial transparency Encourage donor participation

16. Unitus social investment fund Initial goal: $20 Million Offered in $50,000 tax-deductible units $10,000 at time of subscription $10,000/year for each of the following four years Donors are encouraged to visit our projects

17. “We are capable of moving ahead. We just need a hand to reach out and give us a boost.” - MFI Borrower, Tezontepec Mexico July 31, 2002