Mary Agnes Onyinye Iyizoba

MOTHERLEND Save, send and Invest Welcome to Motherlend “ Research shows that many 21st century Africans in diaspora will eventually return home after years of working and saving abroad. However, one of the biggest challenges they face is finding a way to setup a secure base back home. Motherlend aims to solve this problem by providing a secure means of remittance at affordable rates. At Motherlend, our aim is to empower Africans in the diaspora to rehabilitate and enhance the economy of their motherland by investing in local SMEs. We understand the reluctance people may have to entrust their hard-earned finances and that is why we are committed to gain the trust of the public in an organic way; by strategically partnering with industry experts, project managers, financial houses and community leaders. Motherlend will ensure that investments will be secure, seamless and affordable for its customers. ” Temi Oyewole Founder/ CEO 2 ABOUT US Motherlend is a platform that allows Africans from all over the world to remit money, as well as invest in African SMEs and projects by guaranteeing them a return on investment backed by collateral securement, project feasibility assessment, track records, investigation, in-depth market research, and legal backing. Through our rating systems, investors can easily determine project viability, project risks, likely ROI, and waiting periods, all from the comfort of their mobile device. Our strategic partnerships with industry experts, financial houses, and project supervisors, will ensure steady and reliable upload of viable projects on a monthly basis. Vision & Mission Vision To be the preferred provider of reliable investment opportunities for Africans by Africans. Core Values  Right of choice  Value for money Mission  Customer satisfaction Facilitate access to reliable investment opportunities in Africa through strategic partnerships and expert analysis.  Transparency Temi Oyewole Founder & Chief Executive Officer Okeoma Ononuju-McErnest Director, Business Development & Operations For over 15 years Temi has worked in both the public and private sectors in different parts of the world. Her roles include contract management and planning at the 2012 Olympics, mergers and acquisitions, strategy design and consultation, wealth portfolio management, and public private partnership transactions. Okeoma possesses more than 15 years experience as a business development expert in the technology and manufacturing industry. His skill sets include strategy development, project management, product development, and mergers and acquisitions. Temi is the founder and co-creator of Made in Afrika United as well as portfolio manager at The Green Pastures Consultancy Ltd. She also sits as secretary and on the board of advisors of Redefined Africa Foundation, an organization charged to provide human capacity development in the sub-Saharan region. Currently Okeoma is the Director of operations and business development for McErnest Capital, where he provides business advisory services for a series of global organizations. Motherlend is the next generation platform that opens up opportunities in the motherland to the African diaspora to create a legacy of wealth (1/3) Africans in diaspora are spread out across the continents. In North America, there are estimated to be more than 1 million from the African Diaspora; over 15,000 in Latin America; 5,000 in the Caribbean; and around 4.6 million in Europe.. One of the biggest obstacles faced by Africans in the diaspora who want to eventually want to come back home is finding a way to set up a secure base back home. Saving and investment in the black community is also poor with many not confident in the savings system or lacking knowledge to do so correctly. Many want to save but are not sure where of how to start and many do not have large pots of money that can be invested for long periods of time. Fortunately, commercial real estate development and agricultural SMEs in sub-Saharan Africa are booming. With countries like Nigeria, Ghana, Kenya, Angola & South Africa at the forefront of this growth, this presents a wealth of opportunities; rapid urbanisation, a wealthier population and a rapidly growing middle class, relocation of businesses, and travel to Africa for business and tourism are driving demand for new and modern offices, hotels and retail malls. Sources: Wikipedia. Africa: Real Estate Opportunities by Daniel Metcalfe. . Motherlend is the next generation platform that opens up opportunities in the motherland to the African diaspora to create a legacy of wealth (2/3) Agriculture in Africa also has a massive social and economic footprint. More than 60% of the population of sub-Saharan Africa is smallholder farmers, and about 23% of sub-Saharan Africa’s GDP comes from agriculture. Yet, Africa’s full agricultural potential remains untapped. In a recent analysis, we determined that Africa could produce two to three times more cereals and grains (Exhibit 1), which would add 20% more cereals and grains to the current worldwide 2.6 billion tons of output. Similar increases could be seen in the production of horticulture crops and livestock. Due to these opportunities, there is now a burst of new saving & investment platforms like Piggyvest, Cowry wise, Investment One, Afrinvest and Wealth.ng which are all based in Africa for Africans. But Motherlend aims to procure global customers and be at the forefront of the African remittance and investment market. Sources: Winning in Africa’s Agricultural Market by Lutze Goedde, Amandla Ooko-Ombaka & Gillian Pais. Motherlend is the next generation platform that opens up opportunities in the motherland to the African diaspora to create a legacy of wealth (3/3) The potential market for the Motherlend app in The services offered by the Motherlend app will be as follows: various markets is based on two different groups; Service 1 - “Peer to Peer currency exchange” This is a money transfer service that provides multi-currency accounts for its users. The service will support more than 50 currency routes across the world including GBP, USD, EUR & NGN. ❏ Group 1: African diasporas in Europe, north America, south east Asia, middle east, Asia, Latin America, Caribbean ❏ Group 2: Non-Africans who are either from the Caribbean or Latin America who now live in Europe or developed countries Service 2 - The Crowdfunding service will provide short term opportunities to invest in safely-vetted projects in Africa inclusive of real estate, agricultural farming, and tech projects . The service will support more than 100 African businesses. Service 3 – The Savings opportunity is to develop short term compound interest. We project that once the habit is adopted with gains, long term saving will become a normality. High level process • • • Rigorous background check ● Rigorous background check on all on borrowers project and all borrowers project and businesses businesses Field to determine ● supervision Field supervision to determine daily operation daily operation habits, work habits, work hazards, hazards, and all other and all other investment risks investment risks ● Signed agreements Signed agreements andand all all other legal undertaking other legal undertaking • ● Collateral securement on Collateral securement on all all AAA investment AAA investment • Signed agreement with ● Signed agreement with debt collection debt collection agencies, agencies, insurancecompanies, companies, etc insurance etc • ●Routine investor Routine investorseminars seminars to better to bettereducate educate investors investors • ● Easy tocomprehend comprehend Easy to investment investment opportunities, opportunities, along with market along with forecasts forecasts to market guide decision to guide decision making making • Project and company ● Project and company profiles of profiles of as borrowers, as well borrowers, well as past performance over a five year as past performance over a period five year period • Social mediacomponents components ● Social media that showshows friend’sfriends investments and that profits investments and profits 6 Users only needs to log in once, and can be logged in on multiple devices at a time One type of account divided into 3 functions: Remittance, Saving & Investment. Individual account can be set up by anyone over the age of 18, however a borrower account can only be approved by the backend After an account has been created, a series of questions shall be asked to determine an individual's preferred investment opportunity: Short Term Investments( 3 months), Mid-Long Term investments(6 months - 1 year) and Crowdfunding investments(real estate, agriculture, etc.) …Investment preferences Short term marginal returns Mid term marginal returns LOGIN Crowdfunding investment Sending Money with Motherlend Setting up an with Motherlend will be designed to be easy and quick on our app and website; the user would need is to simply open an account with us. Once your account has been approved, you are free to enter your recipient's details and set-up your transfer. We want Motherlend to be synonymous with transparency; there will be a clickable icon that will inform you of what each remit would cost. The bigger the transfer the lower the transfer cost. Our transfer fees will be comparably low to compared to bank charges. Motherlend will not charge you anything above the interbank rate, regardless of your currency pair. We will give you a percentage based on the amount transferred. For instance, sending from GBP to Naira, you will pay 0.5% of the amount being transferred. This charge will be part of our reward scheme which we will put into your savings account in order to start earning interest. Refer-a-friend Scheme: Part of our reward scheme will also be that for every 5 friends you refer to our app/website, you get £10 paid into your savings account. 8 Saving Money with Motherlend ● Motherlend will offer users opportunities to save money from as little as £1 with a 12% return interest per annum. ● We will introduce different savings options like a Safe Box function where our customers can lock up their money without withdrawal for a desired period of time. The locked up period will determine the amount of interest rate earned, for instance; Save money for 10-30 days, you attract 6% per annum interest( this particular option could be for people who want to avoid spending for a short period of time): ❏ 31-60 days = 8-12% p.a. ❏ 61-90 days = 15% p.a ❏ 91-1yr = 20% p.a ● Motherlend could also introduce a Flexible Account; this function will serve as an emergency only fund with a 10% return interest p.a. The customer will be able to make transfers and payments with this function. THE A,B,Cs for Crowdfunding Investment 1/2 In an effort to ensure investments are simplified and easily comprehensible by our end-users, all investment approved by our platform shall be categorized into three broad scales A The ‘A’ rating certification implies the lowest level of risk, as necessary securities such as collateral, have been secured. However A ratings also implies that ROI might be low( 5% and below), and investment might be long term ( 6 to 12 months). Examples of these kinds of investment might include, import goods clearing, and collateral backed short term loans B A ‘B’ rating suggests that an investment has low risk by default, and the borrower has an impressive track record of paying back within set timeline. These kinds of investments yield mid-level returns, however, they are not backed by collateral. Examples of these kinds of investments include distressed property purchase for resale, approved government contracts, and crop harvesting and storage for resale C A ‘C’ rating implies that a business has moderate risks, but yields high returns on investment. Although the borrower is deemed safe, risk factors presented by the environment are considered. An example of such businesses may include goods hauling, and financial assistance on private sector contracts *These ratings are not based on Standard Moody’s Ratings. THE A,B,Cs for Crowdfunding Investment 2/2 Rating Assurance Rate Collateral backing Average ROI Wait time Investment Liquidation Equity Conversion AAA 100% Yes 8% 3 months High Yes AA 95% Yes 8% 6 months Mid No A 95% Yes 12% 9 months Low No BBB 85% No 5% 1 month Low Yes BB 80% No 15% 3 months Low Yes B 75% No 25% 5 months Low Yes CCC 50% No 50% 1 month Low Yes CC 50% No 75% 1 month Low No C 50% No 100% 1 month Low No Industry Analysis Comments The World Bank officially recorded annual remittance flows in low- and middle-income countries reached $529 billion in 2018, an increase of 9.6 percent over the previous record high of $483 billion in 2017. Global remittances, which include flows in high-income countries, reached $689 billion in 2018, up from $633 billion in 2017. Central Bank of Nigeria(CBN) revealed that Nigeria received $17.57 billion in direct diaspora remittances between January and November 2019. The latest data published by the apex regulator showed that remittances grew by 56.4% when it increased from $11.23 billion within the same period in 2018 to $17.57 billion in 2019. Some key players have already carved a niche in the growing remittance market; players that include WorldRemit, Western Union, MoneyGram and TransferWise. However, there are new platforms which are taking over the remittance market like Paypal, Venmo and Azimo. A major gap in remittance that has gone unanswered is how to make remittance sustainable. In a recent Sagerock survey, 100% of participants said they would rather remit via a platform that remits only interest on investment. *The World Bank predicts a sharp decline of remittances of about 20% in 2020 due the COVID-19 pandemic and shutdown. Source: www.worldbank.org. Remittance- Wikipedia. nairametrics.com 11 Selected launch areas are ripe for investment, with Internet penetration being 7.6M and 1.8M in Lagos and Abuja respectively Population: 3.5 million GDP: NGN 50.8B Business count: 3,250,000 Per capita Income: $4800 Main occupation: Banking and finance, hospitality, shipping, trading, construction, etc. Unemployment rate: 4.5% Internet and mobile penetration: 7.6 million Bauchi Niger Plateau FCT Kwara Oyo Ogun Lagos Ekiti Osun Ondo Benue Enugu AnambrEbonyi a Imo Abia Cross River Delta Rivers Akwa Bayelsa Ibom Edo Population: 3.5 million GDP: NGN8.7B Business count: 500,000 Per capita Income: $2800 Main occupation: Civil service, hospitality, construction Unemployment rate: 12% Internet and mobile penetration 1.8 million B.2 INDUSTRY ASSESSMENT Nigeria is experiencing the highest penetration of mobile phones in the world, with 80% mobile penetration growth % mobile penetration growth • Mobile phone penetration in Nigeria appears to be on the upward swing, as the number of subscribers grew astronomically in 2017 resulting in 84% penetration from just 53% in 2016 for both features and smartphones. Malaysia Saudi Arabia China UAE • This growth has been fueled by the availability of lower points phones, which paved way for more Nigerians to own a device. Poland Turkey Thailand Indonesia • There are over 21 million smartphones users in Nigeria, and that figure is expected to continue to increase in the next few years South Africa India Nigeria 0 10 20 30 40 50 60 70 80 90 13 Benefits Costs Ease of use Value to user Motherlend Online Banking Easily tracks and logs data from multiple sites Inconsistent layout, difficult to aggregate to other sites Free to use Opportunity platform, saves time and money Integrated with bank account and bill pay International presence; strong advertiser network, existing users Financial Social Networks Intuitive interfaces; simplified features Users must contribute to add value Low quality user-generated advice Motherlend offers the most compelling and easy way to Remit and manage personal finances Risks & Precautions Risks Mitigate Precautions Low barriers to entry; new competitors Develop brand to assure high market penetration and growth rates; patent proprietary technologies Lack of user commitment Leverage high value, low time investment proposition for users; develop user community Low user referral rate Push high monetary value of utilizing suggestions; offer multiple choices Existing competitors using similar features Technology patents filed; feature set would be difficult to integrate with a boxed product Slow initial growth Utilize management team’s superior know-how and clear viral marketing potential to ensure growth 1 Billion 5 Million Total value of remittance in year one Projected commission on secured loan 500 Million Projected loans in year 1 ven 50 Million ❏ Total remittance expected to be carried out via our platform is projected to be 1 billion naira in year one ❏ We project to enroll 50 projects/borrowers in our bank end, and 500 investors in our front end within our first year of operation ❏ Total capital requirement raised for 50 projects is projected to be 500 million naira, with the average loan requirement being 10 million naira ❏ Value of collateral to be secured in the first year is projected to b 150 million, effectively making 30% of all posted projected to be an A grade investment ❏ Average ROI shall be 10%, with Motherlend retaining 10 percent of all investors interests ❏ Revenue lines of the business shall include remittance commission, borrower assessment fee, interest retention on investment, commission on loan secured, and advertisement. ❏ We aim to raise £250k by the end of June 2021 for; • App development • Licencing in the UK, USA & Nigeria • Operations • Soft Launch Marketing ❏ Goal: ● Proof of concept model working March 2021 ● Develop scalable customer acquisition strategy ● Expand supported African currencies Projected total Interest charged on loan 5 Million Projected Total generated assessment fee 14 High Level Road Map Segments Currencies Marketing • Personal • GBP • Word of mouth • API • USD • Social Media • Remittance • NGN • Targeted PR • Savings • GHS • Marketing campaigns • Investments • ZAR • Partner Marketing • Business • RWF • Distribution deals Contact Us 1 Kudang Street, Wuse 2, Abuja. -- MOTHERLEND