Dear Investors,

As you may have known, our escrow process (withVistra Trust) is now integrated onto our platform and the migration of your funds are now taking place. That’s a mechanism that we have just availed to let you know that we take the matter of managing your funds, seriously.

Of course, the more important question you may have in mind would be, are your investments in good hands with the fund seekers?

That’s a good question.

The only answer we can confidently give you is our knowledge and experience in thorough due diligence. It is a kind of due diligence that came from risking our own money to fund seekers before. Due diligence is what we proudly bringonto the table.

We have spent a great amount of time curating safer deals since we started in 2013. More than 95% of deals get rejected before reaching the Credit Risk Committee for not meeting our funding criteria.

For your appreciation, our Credit Risk Committee (CRC) is composed of five highly competent and independent individuals from various expertise: private bankers, veteran entrepreneurs, former CEOs of listed companies and accountants. Each of them would raise pointed questions to challenge the credit officer who put forth the deal for approval.

Upon a return response from the fund seeker or credit officer, the individuals from the CRC will then reassess and cast their vote to approve or reject the funding.

It is common for the credit officer to relook into the deals orreadjust the proposed terms before getting a go. Sometimes, even after doing all the revisions, the credit officer still get a No go.

This is the reason why we do not load up as many deals on our platforms as you might wish.

On a happier note, we have recently partnered withPealo who will now curate deals to us and we hope the partnership will sieve out better deals for you.

Thank you for your continuing trust and we look forward to serving you better.

Eddie Lee

Managing Director

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