Name of Company History of Company

HM Plus Microfinance Ltd

HM Plus Microfinance ltd was started in 2009 by the Hope Congregation of the Presbyterian Church of Ghana to provide financial and business advisory service to members of the congregation. The company now intends to extend its services to members of the public. Future Plan The company intends to get licensed to operate as a Savings and Loans Company Business Sector Financial Services Industry ( Savings, Investments, Loans, Business Advisory Services) Market and Competition Major competitors are US Microfinance ltd, Global Access Savings and the Major Banks along the Spintex Rd. Ownership The company is owned by the Hope Congregation of the Presbyterian Church of Ghana. Directors a. b. c. d. e. f. g. h. Yaw Amoyaw-Osei Eric Twum Ansah Michel Nuertey Sophia Fialor Kwadwo Brefo Amanpene Kweku Ofosuhene Daniel Hayford Yeboah Daniel S. Matey Chairman Vice Chairman Member Member Member Member Member Secretary.

Senior Personnel Daniel S. Matey Business Risks and Mitigating Actions Management has developed and adopted the following policies to guide operations a. b. c. d. e. f. g. Credit Policy Deposit Policy Investment Policy Fixed Asset Acquisition Policy Operational Manual Accounting Policy Business Plan Gen. Manager

Measurement and Review of Financial Performance Management has in place a budget which is reviewed quarterly Performance Indicators

Deposits Mobilized in a month Loans Disbursed in a month Loans recovered in a month Profit made for a month Cost control measure Control Environment a. b. c. d. Yes Yes Yes Yes

Laws Governing the Company a. b. c. d. e. Companies Code International Financial Reporting Standards Internal Revenue Service Law Labour Law Company Policies and Procedures. HM Plus Microfinance Ltd

Name of Company History of Company

HM Plus Microfinance ltd was started in 2009 by the Hope Congregation of the Presbyterian Church of Ghana to provide financial and business advisory service to members of the congregation. The company now intends to extend its services to members of the public. Future Plan The company intends to get licensed to operate as a Savings and Loans Company Business Sector Financial Services Industry ( Savings, Investments, Loans, Business Advisory Services) Market and Competition Major competitors are US Microfinance ltd, Global Access Savings and the Major Banks along the Spintex Rd. Ownership The company is owned by the Hope Congregation of the Presbyterian Church of Ghana. Directors a. b. c. d. e. f. g. Yaw Amoyaw-Osei Eric Twum Ansah Michel Nuertey Sophia Fialor Kwadwo Brefo Amanpene Kweku Ofosuhene Daniel Hayford Yeboah Chairman Vice Chairman Member Member Member Member Member

h. Daniel S. Matey Senior Personnel Daniel S. Matey Business Risks and Mitigating Actions

Secretary.

Gen. Manager

Management has developed and adopted the following policies to guide operations a. b. c. d. e. f. g. Credit Policy Deposit Policy Investment Policy Fixed Asset Acquisition Policy Operational Manual Accounting Policy Business Plan

Measurement and Review of Financial Performance Management has in place a budget which is reviewed quarterly Performance Indicators Deposits Mobilized in a month Loans Disbursed in a month Loans recovered in a month Profit made for a month Cost control measure Control Environment a. b. c. d. Yes Yes Yes Yes

Laws Governing the Company a. b. c. d. e. Companies Code International Financial Reporting Standards Internal Revenue Service Law Labour Law Company Policies and Procedures.