OUR BUSINESS ETHICS Never speculate with people's money and trust. We place people's trust above everything including our own interest. Always fulfill our promises. We never promise what we can not deliver. We never lie. Respect money. Money "respects" people who respect it. We are careful with our costs. We keep them to a minimum. While our most important concern is to achieve the highest return for our share holders, we never forget our moral responsibility to local communities. We measure our success by return on assets and by the number of households we have helped open up. We never discriminate regardless of skin color, language, ethnic background, religious beliefs or gender. We invest with our clients. We never look at our business as a lending operation. We invest with and in people. We are socially responsible. We do not finance alcoholic related businesses, tobacco, gambling or any unethical behaviors and activities. We are very sensitive about who we deal with. We promise to check our depositors, clients and customers to make sure of the validity of the sources of their funds and the type and quality of their businesses. We are extremely conservative- our most important investment objective is preservation of capital and keeping up with inflation. We look at our co-workers in the company as our partners. We aspire to make each one of our co-workers as a part of the business. We promise to provide them with the best training available on the market.

THIS IS NOT A SOLICITATION TO BUY,SELL, &/OR SOLICIT BUSINESS AND FINANCING

IT IS A PROGRESS REPORT ON THE DEVELOPMENT OF THE COMPANY.

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