An investment in knowledge pays the best interest. - Benjamin Franklin

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2 An investment in knowledge pays the best interest. - Benjamin Franklin

3 Investing in Future Business Leaders Prodigy Finance bonds fund talented international students attending the world s top business schools, through an innovative community loan programme. About us Since 2007, Prodigy Finance has been revolutionizing student finance. Our innovative model offers loans to international postgraduate students at leading universities and business schools. Through our community platform, alumni and other investors earn competitive returns, while students gain access to higher education they otherwise could not afford. We leverage the power of the alumni base to invest in the next class of MBA graduates. to date $205M INVESTED funding over 3090 STUDENTS from 111 COUNTRIES with over 99% REPAYMENT Verena Butt Current Investor, INSEAD MBA 07 David Simpson Admissions Director, London Business School Emma Buckland Prodigy Loan Recipient, Cranfield MBA, 2013 Class President What, in your opinion, makes the Prodigy model revolutionary? The Prodigy Finance solution is revolutionary because it really increases the depth and access to higher education for international students through a financial solution that is pertinent to traditional investors... it is a true example of a win/win situation. What do you think the impact of an international loan programme has been? The impact has been huge. We know that we re recruiting students who, without the loan, might not have been able to join us. So for us the ability for those students to access this funding has meant that we ve recruited some brilliant people who might not be in the class otherwise. What would you like to say to the investors who funded your studies? A massive thank you to everybody who s helped fund my studies. It s genuinely not an exaggeration to say that if it weren t for the Prodigy scheme, I wouldn t have been able to do the Cranfield MBA programme. It has been transforming for me. Schemes like this give people like me opportunities to really fulfill our ambitions and hopefully go out to do great things in the world. As featured in

4 Up to 65% of top MBAs need funding but banks struggle to lend internationally. Banks cannot price foreign risk nor enforce repayment across borders. Traditional lending models only assess historical indicators (e.g. past salary or current assets), ignoring likely salary increases after business school. The 2008 credit crunch aggravated these problems; governments cut education funding, and banks pulled out of student lending.

5 Our Revolutionary Model In our community finance model, the school community funds the next generation of MBAs. Investments from school endowments, institutions, and other impact investors help supplement funding. Investors support students at their alma mater (or another school) and earn a competitive financial return. Schools obtain the best students (regardless of financial need) and increase diversity. Students receive funding for business school and connect with the school community. The Prodigy Community Our global community of investors and student borrowers is comprised of talented business leaders. Investors Our investors are a combination of alumni, members of the school community, and non-alumni looking for socially responsible investments. Students Our students come from 111 nationalities and benefit considerably from their business degrees. Top MBAs experience salary increases of c. 112% after graduating, often working at top firms. Why it Works We combine innovation with industry best practice, to ensure exceptional performance: 99% repayment to date. Borderless loans Funding and legal enforcement of loans for students from 150 different nationalities. Localised risk screening Country-specific risk assesment of every applicant worldwide. Community enforcement Each student s repayment status is shown to the investors, providing social pressure to repay. Predictive scorecard Model built on thousands of data points assesses future earning potential and thus, loan affordability. Individual loan assessments Personalised interest rates and loan sizing. Diversified, premium assets Globally diverse, top MBA students with excellent job prospects after graduation. Schools We focus on top-ranked business schools. To date, we have launched loan programmes at sixty leading universities, and are now expanding to other institutes in Asia, Africa, Europe, and North America. Supported Schools

6 As in the Chinese saying fuel delivered on a snowy day, Prodigy Finance gave me a hand when I needed it most, opening a new world for me. - Bo Luo, Chinese/English Prodigy loan recipient, MBA 2010

7 Our Social Impact We focus on developing country students, supporting business leaders where they re needed most. UP TO 80% of our borrowers had no alternative funding options. UP TO 130% increase in salary for developing world nationals, markedly higher than the increase for developed world citizens. UP TO 75% of our borrowers come from the developing world; with two-thirds returning home within 5 years of graduation.

8 Our Investment Structure The bond is issued by a Special Purpose Vehicle, MBA Community Loans plc, and is listed on the Irish Stock Exchange. Investments are made into a school-specific single class of students, meaning performance is independent of other schools or classes. The bond's return is related to the repayment performance of the students. Individual defaults would incrementally affect the return. Investors may elect to invest in one school or across multiple schools. Student Loans Base + c.7.5% (Range 5.5-9%) MBA Community Loans Special Purpose Vehicle $ Investor Bonds Base + competitive financial return

9 Our Team Prodigy Finance s management team and shareholders are seasoned entrepreneurs, and leading financial services professionals. Cameron Stevens Founder and CEO Previously co-founded a corporate advisory firm in South East Asia. B.Bus.Sci (Finance Hons) and MBA INSEAD. Alastair Hops CFO 10 years in financial services. Oversaw finances for a London tech accessories startup-turned-globalbrand, with outlets in 25 countries. B.Sc. and Chartered Accountant (RSA). Ricardo Fernandez Head of Business Development Strategy and management consultant with over 8 years experience in the top global consultancies. Serial entrepreneur with several successful exits. UC Berkeley Engineer (Hons) and MBA INSEAD. Trevor Watson Head of Operations Trevor has 12 years business experience; specialising in operations, strategy and business improvement. Prior to joining Prodigy Finance he consulted to blue chip and private equity firms, helping them deliver against growth aspirations and unlock value. BSc. Chem Eng and MBA (Cape Town). Board of Directors Michael Ullmann Entrepreneur and angel investor in 40+ companies, incl. Active Hotels Tim Bunting General Partner at VC firm, Balderton Capital. Previously partner at Goldman Sachs. Alan Morgan Co-Founder of MMC Ventures; previously Head of McKinsey & Co s Financial Services Practices in EMEA Ed Wray Fintech Investor, Director of Funding Circle, Co-founder of Betfair, Previously at J.P. Morgan & Co.as a Vice President in the debt capital markets & derivatives area Our Shareholders Balderton one of Europe s leading VCs David Stevens Co-founder and COO Admiral Group (FTSE100). Michael Butt Chairman, Axis Capital (a leading insurance and re-insurance group with a market cap of $6.3bn) Dr Andy Phillipps Serial entrepreneur. Previously Founder and CEO of ActiveHotels Dr Egbert P. Willam Chairman Ken Private Equity; previously Board of Management of Cologne Re (world s oldest reinsurance group, in 150 countries) Torquil McAlpine Co-founder of Arisaig Partners ($5bn emerging markets fund) Nick Clayton Angel investor. Exited two Asian financial services businesses 53 permanent employees 3 global offices 11 nationalities 12 languages spoken

10 A great, smart combination of social purpose and sound financial returns. -Antoine, French Investor, INSEAD 97 Have more questions? Our Head of Investor Relations is here to answer your questions. Jenn Schwendeman This document is a not a full prospectus and before making any decision to invest you should read the entire Prospectus and Final Terms for the Notes, available at www. prodigyfinance.com/invest. This product is not suitable for all investors, nor is it intended as a complete investment programme, and you should take independent investment advice as to whether this product is suitable for you. Past performance is no guide to future performance. This product is not a deposit and is not covered by the UK Financial Services Compensation Scheme (FSCS) or any equivalent overseas compensation scheme. This investment has not been, and will not be, registered under the US Securities Act of 1933, as amended (the Securities Act), and may not be offered or sold within the United States or to, or for the account or benefit of, US persons (as defined in Regulation S under the Securities Act (Regulation S)) except in certain transactions exempt from the registration requirements of the Securities Act. This product may have limited or no liquidity and you may find it difficult or impossible to realise the value of your investment. You should be aware that by investing in this product you may lose some or all of the money invested. You have limited recourse to the issuer of the security, no recourse to the borrowers, and there are other risks including those relating to the default or insolvency of the issuer who is not an authorised or regulated firm. The target return on the notes is fully dependent on the repayment performance of the borrowers and loans linked to the Notes. The timing and amount of these repayments will determine the overall return on the Notes. This product is targeted exclusively at investors who are sufficiently sophisticated to understand these risks and make their own investment decisions. You will only be able to invest once you are registered as a high net worth investor or a self-certified sophisticated investor and have completed a suitability questionnaire prepared by Prodigy Finance Ltd. Prodigy Finance Ltd is an appointed representative of BriceAmery Capital Limited which is authorised and regulated by the Financial Conduct Authority. This document has been issued by BriceAmery Capital Limited as a Financial Promotion under Section 21 of the Financial Services and Markets Act PFL_151110_GB prodigyfinance.com

11 Prodigy Finance Ltd All Rights Reserved. Prodigy Finance Ltd is incorporated in the United Kingdom Company Number Prodigy Finance is licensed under the Consumer Credit Act 1974 (Licence no /1) and is an ICO registered data controller (Reg. No. Z ). Prodigy Finance Ltd is an appointed representative of BriceAmery Capital Ltd which is authorised and regulated by the Financial Conduct Authority. Note that Prodigy Finance Limited carries out both regulated and unregulated business, and that its FCA-regulated activities extend only to promoting and arranging investment in the Notes. prodigyfinance.com