Corporate

Profile 2018

20
2016 Corporate ProfileCorpo
EFC
EFC inin Brief
Brief
COMPANY
PROFILE 2018

EFC Uganda Limited (MDI) is the fastest growing institution in Uganda. We are committed to high standards
ofEFC Uganda
quality Limited service
customer (MDI) is the fastest growing
in conformity withmicrofinance institution
the EFC model. WithinaUganda. We are committed
fully equipped to high head office
and functional
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and mission.
EFC Uganda Limited (MDI) is Uganda's premier microfinance institution. We are committed to high standards of
quality customer service. With a fully equipped and functional head office and branch premises, together with a core
management supported by a dynamic team, EFC has a good foundation from which to grow according to its vision
and achieve its mission.

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EFC | Corporate Profile 1
 2018
Vision
COMPANY
PROFILE

Vision
MISSION
Values
VisionVision
Mission &
Mission
Values
Mission
Values
EFC Uganda Vision
EFC Uganda Vision
To be the preferred financial services partner for micro and
To be the preferred financial services partner for micro and
small entrepreneurs (MSEs) in Uganda.
small entrepreneurs (MSEs) in Uganda.

EFC Uganda
EFC Uganda Mission
Vision
To partner
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with MSEs financial servicesaccess
and increase partnertoforspecialized
micro and

EFC Uganda Mission

small entrepreneurs
financial services on(MSEs) in Uganda.
a permanent basis while contributing
toTo
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and increase accessliving conditions
to specialized
EFC
and Uganda
financial servicesofon
development Mission
a permanent
Uganda’s basis
private while contributing to
sector.
wealth
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and increase living
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specialized
and development of Uganda's private sector
EFC Uganda
financial services onValues
a permanent basis while contributing
to wealth
— creation, improvement of people’s living conditions
Innovation
and development
— Integrity of Uganda’s private sector.

—EFC
ServiceUganda
EFC
Excellence
Uganda
Values
Values
— Solidarity
- Innovation
— Innovation
—- Integrity
Transparency
—
- Service Excellence
Integrity
- Solidarity
— Service Excellence
- Transparency
— Solidarity
— Transparency
2 EFC | Corporate Profile
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Who we are COMPANY
PROFILE 2018

As the main architect of the Entrepreneurs Financial Centre (EFC) vision, Dveloppement international Desjardins (DID) is
a component of and backed by over 100 years of experience of the Desjardins Group, the leading cooperative financial
group in Canada. DID has been sharing the Group's expertise with other countries since 1970 in order to support the
creation, development and strengthening of sustainable financial institutions that are rooted in the community.
In 2009 DID pioneered a new microfinance model in Zambia specialized in MSE (Micro and Small Entrepreneur)
financing.
This flagship EFC, Pulse Financial Services Limited (now trading as EFC Zambia), was developed by DID under an
innovative approach based on partnership with world-class organizations and has enjoyed considerable success. One
of the significant features of the model is its popular employee and customer share ownership programs.
Inspired by the EFC experience and success in Zambia and Tanzania, EFC Uganda opened for business in the
Ndeeba town of Kampala in June 2012.
Our objective is to contribute to the development of Uganda's private sector by providing increased access to financial
services to the underserved micro and small entrepreneurs' (MSEs) market segment.
EFC was granted a deposit taking license on 17th November, 2014 allowing us to mobilize and collect savings.

Company Secretary
Joanne Bagandanswa Nakabungo,
LLB (UCU), Dip LP (LDC)

Auditors
RSM Eastern Africa
6th Floor, DTB Centre,
Plot 17/19 Kampala Road.
P.O. Box 31704, Kampala
Tel: +256 414 342780/9
Web: [Link]/uganda

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EFC Uganda Investors COMPANY
PROFILE 2018
Dveloppement International Desjardins (DID)
DID is a subsidiary of Desjardins Group, the sixth largest cooperative financial group in the
world with assets of USD 178.9 billion and considered North America’ s strongest bank
according to Bloomberg. For over 45 years, DID has been working with developing and
emerging countries towards the goal of sharing the expertise and experience of Desjardins
Group. DID today is a world leader in the deployment and development of microfinance
around the world. It makes a full range of specialized business solutions available to its
partners thus enabling them to provide their customers with accessible, secure and
diversified financial products and services.
[Link]/en

AfricInvest Financial Sector Limited

AfricInvest is a pan African Private Equity Fund Manager founded in 1994 with currently
over USD 1 billion under management. AfricInvest is uniquely positioned as one of the most
experienced private equity investors on the continent. AfricInvest has dedicated investment
teams focused on North Africa and Sub-Saharan Africa, and employs 50 professionals
based in six offices. The teams benefit from strong, long-term support from both local and
international investors, including leading development finance institutions worldwide. Since
1994, AfricInvest has invested in over 120 companies across 24 African countries in a
variety of high growth sectors.
[Link]

Uganda Gatsby Trust

Uganda Gatsby Trust (UGT) was founded in 1994 through a partnership between the
Gatsby Charitable Foundation (GCF) UK and the Faculty of Technology of Makerere
University in Kampala. It supports manufacturing and value adding businesses with
consultancy services to small and medium enterprises (SMEs) and by linking final-year
students at Makerere’ s Faculty of Technology with SMEs. UGT’ s current focus is to
promote linkages with Makerere University as well as provide value-added solutions to the
forestry sector through its fully owned subsidiary -Uganda Tree Resources Limited (UTRL).
[Link]/africa/programmes/uganda-gatsby-trust

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EFC Uganda Investors COMPANY
PROFILE 2018
Belgian Investment Company for Developing Countries (BIO)
BIO supports private sector growth in developing and emerging countries by funding financial institu-
tions, enterprises and infrastructure projects that are privately held. With equity capital of around 730
million euros, BIO provides tailored long-term financial products directly or through intermediaries.
For business clients, BIO also provides subsidies for technical assistance programs as well as
feasibility studies. BIO supports projects with a balance between return on investment and devel-
opment impact.
[Link]

Bamboo Financial Inclusion Mauritius

Bamboo Financial Inclusion Mauritius is a wholly-owned subsidiary of Bamboo Financial Inclusion
Fund. Launched in 2007, the Fund manages USD 195 million in total commitments from institutional
and individual investors, and invests in a range of microfinance institutions and funds worldwide. The
Fund acquires minority stakes in the capital of its investees, while contributing to their
development by sharing international experience, information, networks, knowledge, and by playing
an active governance role at a board level. The Fund uses a market-oriented approach to deliver
social and environmental value, in addition to financial returns to investors. The Fund is managed by
Bamboo Finance through offices in Luxembourg, Geneva, Kenya, Bogota, and Singapore.
[Link]

Asn-Novib Microcredit Fund (ANMF)

ASN-Novib Microcredit Fund (ANMF) is regulated and organized as a semi-open ended fund,
enabling private individuals to invest in microfinance institutions (MFIs) by purchasing shares sold
through ASN Bank. Its goal is to encourage broader participation by all types of entrepreneurs in
the market economies of developing countries. At the end of 2015, the fund had assets of EUR 240
million, invested in close to 100 MFIs globally. The investment manager of ANMF is Triple Jump, one
of the leading microfinance fund managers in the world. Triple Jump offers professional fund
management services to investors and provides loans and equity investments to microfinance
institutions. Its advisory services help growing MFIs move to the next business level by providing
cost sharing grants and technical assistance.
[Link]

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EFC Uganda Partners COMPANY
PROFILE 2018
Global Affairs Canada
Global Affairs Canada manages Canada's diplomatic and consular relations, facilitates the
country's international trade, and leads Canada's international development and
humanitarian assistance. Global Affairs Canada believes in the potential for development
innovation to drive positive change to meet 21st century challenges.
www. international .[Link]

African Development Bank (AfDB)

The AfDB Group’ s overarching objective is to spur sustainable economic development
and social progress in its regional member countries (RMCs), thus contributing to poverty
reduction. The Bank Group achieves this objective by mobilizing and allocating resources
for investment in RMCs; and providing policy advice and technical assistance to support
development efforts.
www. afdb .org

FMO (Dutch Entrepreneurial Development Bank)

FMO is the Dutch development bank. FMO has invested in the private sector in
developing countries and emerging markets for more than 45 years. Its mission is to
empower entrepreneurs to build a better world. It invests in sectors where it believes its
contribution can have the highest long term impact. They include; financial institutions,
energy and agribusiness. Alongside partners, it invests in the infrastructure, manufacturing
and services sectors. With an investment portfolio of EUR 8 billion spanning over 85
countries, FMO is one of the larger bilateral private sector development banks globally.
[Link]

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Board of Directors COMPANY
PROFILE 2018
Charles W. Nalyaali
Board Chairperson
Charles W. Nalyaali is a freelance financial and banking consultant and a Senior Training Expert in
Microfinance and Supervision attached to the Frankfurt School of Finance and Management,
Germany. Previously he was the CEO and Managing Director of two well established banks in
Uganda and also the co-founder and CEO of Uganda Microfinance Limited (MDI), the leading
Microfinance Institution at that time. Prior to that Charles was Chief Bank Examiner at Bank of
Uganda in the Bank's Supervision Department. He holds a Master's degree in Sustainable
International Development from Brandeis University, USA and a Bachelor of Commerce degree,
majoring in Finance from Makerere University.

Diana Ninsiima Kibuuka

Board Vice Chairperson, HRCC Chairperson and RALCO member
Board Vice Chairperson, HRCC Chairperson and RALCO member Diana Ninsiima Kibuuka holds
an LLB (Honours) degree from Makerere University with a Diploma in Legal Practice from the Law
Development Center. She also holds a Master’ s degree in law from the University of Cambridge
(Wolfson College) and a Post Graduate diploma in Taxation from the East African School of
Taxation. Diana is currently a partner at V. Agaba Advocates and Legal Consultants. Prior to this she
worked as an associate with MMAKS Advocates for seven years where she specialized in banking
and finance. Under the International Lawyers of Africa Program, Diana was seconded to the mergers
and acquisitions department of Slaughter & May, LLP and Diageo P.L.C, in London.

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Board of Directors COMPANY
PROFILE 2018
Shem Kakembo
Managing Director, Board Director and RALCO member
Shem is an experienced banker who joined EFC Uganda from a local commercial bank where he
has been the Head of Personal Markets (Retail) and before that Head of Customer Channels at the
same Bank where he pioneered digitization and Agent banking. Previously, he was MD at a
Microfinance Bank in Rwanda and has also worked with World Vision International as Senior
Financial Specialist for Africa. Shem is a Chartered Accountant and a Certified Retail Banker. Shem
also holds a [Link] and an MBA in Finance.

Julius Tichelaar
Director Chairperson and HRCC member
Julius Tichelaar is a partner at the AfricInvest Group, a private equity fund manager with a 22-year
track record in Africa and with over USD 1.0 million under management. Julius joined the Group in
2007. He is part of the Financial Sector team and based in Nairobi, Kenya where he covers East
and Southern Africa. Julius sits on the boards of several portfolio companies across Africa, he holds
a MSc. in Finance from the Erasmus University in Rotterdam, the Netherlands, and graduated with
honors.

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Board of Directors COMPANY
PROFILE 2018
Alexis Losseau
Board Member
Alexis Losseau has worked for BIO for over 5 years. He is an Investment Officer responsible for debt
and equity investments in financial institutions (including microfinance) in Africa. He holds a master
degree in Finance from the Universit Catholique de Louvain and a Specialised Master in Financial
Risk Management from the Universit Saint-Louis in Belgium.

Florence Bamwine
Board Member
Florence has over 15 years of senior and executive management experience in Rail Transport, Tele-
coms and Manufacturing in Europe, West Africa and East Africa in Human Resources Management
with a wealth of experience in Talent Assurance, Organisation Effectiveness, Leadership Capability
Development, and Organisational culture.
Prior to her appointment on the board, Florence worked for Uganda Breweries Ltd (a subsidiary
of East African Breweries Ltd) and Orange Uganda Ltd (a subsidiary of France Telecom) as the
Human Resources Director in both companies.
She started her early career in London Underground Ltd before joining Guinness Ghana Breweries
Ltd and eventually moving back to East Africa to work for East African Breweries Ltd ( a subsidiary
of Diageo plc).
Florence is a Member of the Chartered Institute of Personnel and Development and holds a
Masters Degree in Human Resources Management from the University of West London as well as
a Bachelors of Arts Degree from Makerere University.

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Board of Directors COMPANY
PROFILE 2018

Brent Wilson
Board Member
Brent Wilson is an accomplished senior banking and microfinance professional with over 42 years of
related experience. His background includes management and strategic leadership in agribusiness
and SME banking during a lengthy career with one of Canadas leading financial institutions, and
over 16 years in international development with a focus on technical assistance and project
management in microfinance and cooperative based institution interventions. Most recently
Mr. Wilson has worked exclusively with Dveloppement international Desjardins (DID) in Zambia,
Tanzania and Uganda supporting the evolvement of the Entrepreneurs Financial Centre (EFC)
micro-banking model in the areas of governance, risk, ethics and compliance.)

Stevens Mwanje
Board Member
Stevens has over 15 years executive management experience in the Financial Sector; in the fields
of Finance, Treasury, Operations, Customer Experience and Sales.
Stevens is a Fellow of the Association of Chartered Certified Accountants. He holds a Masters
Degree in Business Management from Harriot-Watt University. He also holds a Post Graduate
Diploma in Business Management from the University of Leicester plus, a Bachelors of Arts Degree
from Makerere University.

Bruno Degoy
Board Member
Bruno Degoy has over 15 years work experience in the financial services industry.
Bruno worked as Chief internal Auditor with the first Microfinance bank in Afghanistan, Consultant
in microfinance with Advans a leading international microfinance group in France, he was MD at
Advans Bank in DRC (Microfinance) and has also worked with Bank of Africa in DRC as CEO.

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Executive Committee COMPANY
PROFILE 2018

Shem Kakembo
Ag. Managing Director
Shem is an experienced banker who joined EFC Uganda from a local commercial bank where he
has been the Head of Personal Markets (Retail) and before that Head of Customer Channels at the
same Bank where he pioneered digitization and Agent banking. Previously, he was MD at a
Microfinance Bank in Rwanda and has also worked with World Vision International as Senior
Financial Specialist for Africa. Shem is a Chartered Accountant and a Certified Retail Banker. Shem
also holds a [Link] and an MBA in Finance.

Brian Jjemba
Ag. Executive Director
Brian has over 16 years of work experience in the financial services industry. Prior to joining the EFC
Team in 2018, he was working with a Microfinance institution as General Manager overseeing the
Ugandan Market. Brian also served as; Investment Manager with a Funds Management
Institution, Relationship Manager Corporate and Institutional Banking, and Medium Enterprises with
a pan African bank, Business Credit Analyst, Personal Financial Consultant, and a Customer
Service Consultant, at a global Bank. Brian holds a Master's Degree in Business Administration from
Walden University (Minnesota, USA), a degree in Business Administration (Accounting) from
Makerere University and a certificate in Advanced Commercial Lending and Small Business.

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Executive Committee COMPANY
PROFILE 2018
Joanne Bagandanswa Nakabungo, LLB (UCU), Dip LP (LDC)
Company Secretary
Joanne is a holds of a Bachelor's Law Degree from Uganda Christian University where she grad-
uated in the top five percentile of her class. She also holds a Diploma in Legal Practice from Law
Development Center and an Advocate of the High Court of Uganda and all the courts subordinate
thereto with extensive knowledge and experience of land and commercial transactions. Joanne
joined EFC Uganda Limited in 2015 and advises the company on a wide range of company issues
spanning across formation, corporate governance, compliance, taxation and labor laws. She is
knowledgeable of the operation of the banking laws and the financial sector in Uganda having pro-
vided support in the compliance of Bank of Uganda regulations, other regulatory requirements and
ensured the compliance of company policies. She is also a member of the Uganda Law Society
and the East African Law Society.

Julianna Kayaga
Chief Human Resource Officer
Julianna has been with EFC Uganda for the past 5 years having held the position of Head of HR for
the last 4 years. Previously, she worked at a local commercial bank where she supported in different
bank operations within the HR and Corporate Credit departments. She is a member of Human
Resource Managers’ Association of Uganda, where she served on the Governing Council for 2
years. She is also a member of the Institute of Corporate Governance. Along other learning
exposures, Julianna has pursued a Masters in Organization Psychology.

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Executive Committee COMPANY
PROFILE 2018

Samson Aeri
Chief Risk Officer
Samson joined EFC Uganda Ltd in May 2018. He has 10 years banking experience in Operations,
Credit, Internal Control, Branch Supervision and Risk Management. Prior to joining EFC, Samson
worked with a local commercial Bank as Head of Risk where he was responsible for Planning,
designing and implementing an overall enterprise wide risk management process. He worked with
three other commercial banks in the Risk, Control and Credit departments.
Samson holds a Post Graduate Diploma in Financial Management from Uganda Management
Institute(UMI), a degree in Economics from Makerere University Kampala(MUK) and a certificate in
Risk, fraud and internal controls.

Jimmy Kisomba
Chief Internal Auditor
Jimmy has worked with EFC Uganda since March 2018. He has 10 years banking experience in both
operations and internal audit. Prior to joining EFC, Jimmy worked with a renowned global
microfinance institution as Senior Internal Auditor and Ag. Head of Internal Audit from where he
undertook international audit engagements with the same institution in DRC, Nigeria and Washington
DC - USA. Jimmy worked with two commercial banks in various operational and supervisory roles.
He is a member of Institute of Internal Auditors and an Associate member of Institute of Certified
Public Accountants of Uganda (ICPAU). Jimmy received a meritorious academic award from ICPAU
for being the best student in two papers (Financial Accounting and Economic Environment) He has
completed five management courses from Franklin Covey
Jimmy received a meritorious academic award from ICPAU for being the best student in two papers
(Financial Accounting and Economic Environment) He has completed five management courses
from Franklin Covey.

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Executive Committee COMPANY
PROFILE 2018

Anthony Acuda
Chief Information Officer
Anthony has more than 8 years of work experience in the IT industry. He holds a Bachelor of Science
in Information Technology from Sikkim Manipal University India. He also possesses certifications in
server virtualization , cyber security management from Charles Sturt University Australia , CompTIA
Security Plus and a certificate in management skills from Frankfurt school of Finance and
Management Germany .
He has been with EFC since its inception in 2012 and is one of its longest serving employees. He
has vast experience in server management, system administration, application deployment, network
management and has pedigree in leading and managing IT projects.
He was also recognized by staff and management of EFC as most valuable employee in the year
2016 for the second consecutive year, most outstanding department and best manager due to his
gallant performance culture, dedication and outstanding leadership skills.

Tracy Bagonza Khayinja, LLB (UCU)

Chief Compliance Officer
Tracy Bagonza has worked with EFC Uganda Limited (MDI) for five years. Tracy joined EFC in 2013
as an Executive Assistant where she played a key role in supporting the institution attain its MDI
License from Bank of Uganda. This saw her rise through the ranks to hold the positions of Risk
and Compliance Officer, Compliance Officer and then Assistant Compliance Manager, a position
she has held for the past two years. As head of the compliance unit, Tracy has managed to build a
strong team that oversees the institution wide compliance risk. She has a developed and thorough
understanding in the fields of governance, compliance and risk management. She holds a Bachelor
of Laws degree (Honors) from Uganda Christian University.

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EFC Uganda Loan Products

BUSINESS LOAN

The EFC Business Loan is specifically designed for Micro & Small Entrepreneurs who need fast and
efficient loan services. Our loans finance a wide range of activities including working capital, equipment
purchase, investments, and agricultural supplies.
Business Loan features;

* Minimum Loan Amount starting from UGX 2,500,000

* Repayment period of 6-36 months
* Competitive monthly interest rate calculated on a reducing balance
* Quick and easy access to credit
* Lower interest rate for repeat loans

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 EFC Uganda Loan Products

HOME IMPROVEMENT LOAN

At EFC we understand that each home improvement project is unique and that every entrepreneur has
distinct repayment capacity. EFC therefore offers personalized financial solutions for you
HIL features;
* Minimum Loan Amount starting from UGX 5,000,000
* Repayment period of 6-48 months
* Competitive monthly interest rate calculated on a reducing balance
* Quick and easy access to credit
* Lower interest rate for repeat loans

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EFC Uganda Loan Products

WOMEN MARKET TRADER LOAN

Women Market Trader Loans is specially designed for women entrepreneurs who need fast and efficient
small loan services. It can be used to finance a wide range of activities including working capital,
equipment purchase, investments, and agricultural.
WMT features;

* Minimum Loan Amount starting from UGX 1,000,000;

* Repayment period 6-18 months
* Competitive monthly interest rate calculated on a reducing balance
* Quick and easy access to credit
* Lower interest rate for repeat loans

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 COMPANY
PROFILE 2018

Eligibility Criteria for loan customers

The borrower must:

* Be an entrepreneur or merchant, or other legal entity engaged in income generating activities

* Be of the age of majority
* Have at least 6 months experience in the same business
* Be able to demonstrate competence and expertise in a particular business sector
* Demonstrate capability of operating a business profitably
* Have a guarantor
* Have collateral (e.g. business equipment, vehicle, house, land title or land sales agreement).

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 REGULAR SAVINGS ACCOUNT

EFC Regular Savings Account is a simple and convenient way for customers to manage their daily
business transactions. There is no limit to the number deposits and withdrawals thus making it the perfect
account for dynamic entrepreneurs looking to grow their business.

Premium Saving Account

EFC Premium Savings Account will help you save towards a specific objective such as business capital,
education, holidays and medical plans by offering attractive preferential rates of interest.

Fixed Term Deposit Account

EFC Fixed Term Deposit Savings are a simple way to earn superior financial returns for savers and
investors with a long-term investment horizon.

* Passport/ National ID/ Driving Permit/ Voter's Card/ LC1 ID accom-

panied with an LC Letter and stamped photograph;
* A passport size photograph;
* Account opening fee 10,000 Ugx;
* Minimum balance 20,000 Ugx;

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 Our Services
EFC EasyPay

EasyPay is a B2B arrangement between EFC and merchant businesses to finance purchases by their
clients. EFC customers can take advantage of this arrangement to obtain financing to restock their stores
or to purchase construction materials for their home improvement projects. All they have to do is;

* Walk into any store with an EasyPay sign

* Speak to one of the EFC officers
* Complete the application process
* Purchase your goods with no immediate cash paid

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Our Services

All registered companies that trade within the following sectors qualify for EasyPay
* Wholesale trade
* Motor vehicle import and sales
* Spare part supplies
* Supply of hardware or construction material
* Supply of agricultural products
* Supply of plant machinery
* Supply of any other goods and services

A partnership with EFC for EasyPay ensures that you focus more on your line of business as opposed
to spending time and money on receivable collection and administration. Below are some of the
EasyPay benefits;

* Increased sales through immediate liquidity via cash payment by EFC

* Zero risk involved as the entire mandate towards the facility is managed
by EFC via EasyPay
* Reduced operational costs
* Incremental business from new customers coming aboard as a result of
EasyPay.

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 Easy Mobile Loan Repayment

Easy Mobile Loan Repayment is a service that enables EFC's loan customers to pay off their loan installments
in time at their own convenience using their mobile phones. This service is powered by mobile money and is
available on both MTN and Airtel Uganda networks.

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EFC Smart Card

EFC Uganda contributes to the improvement of household livelihood by offering Home Improvement Loans for a period
of up to 36 [Link] of EFC customer transactions remains cardinal to the company's daily operations and as
such, the EFC's computerized environment helps to ensure customers' personal information integrity and highly limits
the risks of fraud and theft. A secure transaction environment is an overall strategy and a standard for deployment of
advanced financial tools that will reinforce the EFC's distinct competitiveness in the microfinance industry and the Ugan-
dan financial sector as a [Link] latest innovation is the Identification Card (ID Card) also known as the Smart Card.

This card features the customer's name, photograph as well as a microchip which allows specifically assigned members
of EFC staff to quickly and securely access customer account details as well as information pertaining to their loan
repayment history. The Smart Card has increased transaction efficiency and the EFC's business capacity altogether
not only through the enhancement of security but the reduction of processing and queuing time thereby improving the
quality of operations and customer care.

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CONTACT INFORMATION
EFC Uganda Limited (MDI)
Head Office Ndeeba Branch Kololo Branch
Contact Information
2nd Floor, Acacia Place Master Wood Plaza, Ground Floor, Acacia Place,
Plot 6, Acacia Avenue, Kololo 1156 Masaka Road, Plot 6, Acacia Avenue, Kololo
P.O. Box 33667, Kampala - Uganda Block 7, Ndeeba, P.O. Box 33667, Kampala - Uganda
EFC
Tel: +256 393 202Uganda
556/557Limited (MDI)
Tel: +256 393 202 981 Tel: +256 393 202 556/557
Website: [Link]
Head Office MainBusiness Service Centres
Branch(Ndeeba) Kololo Branch
Email: info@[Link]
2nd Floor, Acacia Place Master Wood Plaza, 2nd Floor,
Lower Acacia
Ground, Place,Place,
Acacia
Plot 6, Acacia Avenue, Kololo 1156 Masaka Road, Plot 6, Acacia Avenue, Kololo
Kalerwe Kireka Nansana Nateete Mukono BSC
P.O. Box 33667, Kampala - Uganda Block 7, Ndeeba, P.O. Box 33667, Kampala - Uganda
Gayaza Road, Kireka Road, Hoima Road, Masaka Road, Jinja Road
Tel:
Tel: +256 414 +256
697 410 393 202Tel:+256
556/557,414+256 772 791 611
697 412 Tel:
Tel: +256 +256
414 663 414
429 697 410 66+256
Tel:
Tel: +256 414 430 393 202 556/557
Tel: +256 414666695
Website: [Link]
Email: info@[Link]
Business Loan Centres
efcug @efcug_care Kalerwe | Kireka | Nateete | Nansana | Nkrumah