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1 converged dynamics capital services limited Debt Management Proposal

2 CDCSL- An Introduction Dear Prospective Client, My Name isramonayoolabisiriyu; Executive Director/COO and the Team Leader of thecdcsldebtmanagementservice. It gives me deep pleasure to tell you about my company; CDCSL and the Debt Management Service we propose to you. First of all, let me tell you about myself; I am a Fellow Chartered Accountant (FCA) with a Masters in Finance from the National College of Ireland. I'm a member of the Chartered Institute of Bankers in Ireland and Chartered Institute of Stockbrokers. I have worked many years as Senior Staff at HSBC Bank PLC and Northern Trust (an American Investment Bank). With extensive experience working in reputable local and international Financial Institutions, I m a seasoned Financial Analyst with decades of experience in Investment Banking. I will take you through this proposal and give you an understanding of how to confront and over come the challenges presented by debt and how to manage its impact on your business and life. Thank you!

3 CDCSL- About Our Proposal CDCSL (Converged Dynamics Capital Services Limited) has designed the CDCSL Debt Management Service to provide a platform for organizations and individuals to manage the burden of debt and other liabilities. Being indebted to one or multiple bodies/persons can significantly affect the operations of any organization and the quality of life of individuals unless properly managed. Having the benefit of the CDCSL Debt Management Service essentially means that service beneficiaries become free from the pressure of their liabilities affording them the opportunity to direct their attention and resources to other pressing challenges.

4 CDCSL- What Is Debt Management? In the most basic form: Debt is the lending of a sum of assets by the lender (creditor) to its client (debtor) under agreed terms and conditions which may include collateral, interest rate and tenor. Every debt issued to a debtor has a repayment plan. Therefore, debt as a financial asset to the creditor is equally a financial liability to the debtor. CSCSL, a SEC licensed asset management company, is highly proficient to manage your financial assets and financial liabilities. The event of a debtors inability to meet up with the debt repayment plan requires management of the creditor s assets in the custody of the debtor.

5 CDCSL- Debt Management Plan CDCSL proposes A Debt Management Plan for your organization. A Debt Management Plan is an affordable Repayment Program structured and managed with in-depth understanding of your organizations income and liabilities to ensure your financial obligation of repayment of debts is easier to accommodate and affordable for your organization. A Debt Management Plan is an alternative to operating under unsustainable debt burdens or bankruptcy. If your organization has a regular and assured source of income to service liabilities to creditor(s), the CDCSL Debt Management Service will help your organization unlock additional value from your existing income by reducing amounts directed to servicing of debts! CDCSL will manage your debts to ensure you direct ONLY sums your organization can afford towards servicing of debt repayments!

6 CDCSL- Milestones You Can Depend On! CDCSL Debt Management Service spectrum include: Reducing/cancelling accumulated compound interest on outstanding loans Freezing of continuous charge of penalties on outstanding loans Convincing creditors against initiating legal action against your organization Agreeing on a revised repayment plan with creditors Making monthly repayments to the creditors on your organizations behalf

7 CDCSL- Important To Note: A Debt Management Report will be submitted to your organization before the commencement of servicing the loan based on Revised Repayment Schedule. CDCSL Debt Management Services attract fees that still comfortably enable your organization meet its strategic objective of restructuring its liabilities The Revised Repayment Schedule will lead to the reduction of your monthly loan repayment but may lead to increase in tenor of the loan.

8 CDCSL- About CDCSL Converged Dynamics Capital Services Limited is an Asset Management Company licensed by the Nigeria Securities and Exchange Commission (SEC). Our services include but not limited to: - Fund Administration - Fund Management - Structured Finance (Financial Instruments) - Project Finance (Local& Foreign Funding) - Project Management - Financial Management Services - Debt Management Services - Offshore Investment & Management Services * Properties * Commodities * Investment Funds * Other Assets

9 CDCSL- Lets Meet! Contact Us: Biodun Akinniranye Managing Director/Chief Executive Officer Ayo Bisiriyu Executive Director/Chief Operating Officer T M , E - abiodun.akin@cdcslng.com E - ayo.bisiriyu@cdcslng.com E - debtmgt@cdcslng.com W - Add: Fernandez Towers. 1-9 Berkley Street, Off King George Street, Onikan. Lagos.

10 CDCSL- Thank You!

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