FULL TITLE: Sustainable Environment: Using Microfinance and People’s Own Initiatives to Propel Investment in Renewable Energy, Water and Sanitation ROOM: Lenana Hall Translated session: English & French PANEL: Panelist: Mr. Patrick Lumumba, East Africa Watercredit Program Officer, Water.org, Kenya Panelist: Mr. Ziad Al Refai, Executive Director, Jordan Micro Credit Company ''Tamweelcom'', Jordan Panelist: Mr. David Kuria, CEO, Ecotact Limited, Kenya Panelist: Mr. Abser Kamal, Managing Director, Grameen Shakti, Bangladesh

1. Tamweelcom Jordan Micro-credit Company

3. Tamweelcom micro-value chain services Target Change Need Financial Social Economical Environmental

5. 05/03/10

11. Jordan microfinance industry MFI Market Share # of Branches # of Employees Tamweelcom 35% 13 120 Microfund for Women 32% 12 150 National Bank 15% 8 100 MEMCO 9% 13 150 Finca 6% 4 130 AMC 3% 13 75

19. Performance Indicators as of 28 Feb 2010 Active clients 39,917 Loan Portfolio $14,480,915 Debit to equity 1.25 Operational sustainability 122.8% Financial sustainability 104.8% PAR>30 days 0.17%

20. Outstanding financial sources Bank Outstanding balance 31 Oct 2008 (USD ) Development and employment fund 595,362 Housing bank for trade and finance 2,570,423 Societe general 3,063,380 Jordan bank for investment and finance 1,355,596 Arab banking corporation 552,394 Planet finance 997,183 CITIBANK 1,597,746 Total outstanding 10,732,085

21. Financial projection 2009-2011 Projections 2008 2009 2010 2011 Total Assets ($MM) 19.0 26.4 35.3 46.1 Loan Portfolio ($MM) 17.8 25.3 34.3 45.1 Active Clients 35,515 49,389 66,975 87,713 Avg. Loan Size ($) 502 512 511 514 No. of Branches 16 17 18 18 ROE (adjusted) 28.3% 28.3% 28.2% 26.6% ROA (adjusted) 10.2% 10.6% 11.4% 11.6% Financing need 2009 2010 2011 2012 Total (USD 000s) 7,000 7,000 7,000 7,000 28,000