Fair Investment Company LimitedProposition

A presentation to Triodos Bank

31 March 2011

“Charities are leaving billions of pounds in donations in business accounts paying little interest.

But there is an alternative”

Jill Papworth, The Guardian 26 March 2011

Overview

Established 2000, by 2008 grown to be a leading price comparison and lead generation site

Charity giving - 10% of profits annually – over £0.5 million to date

2009 launched saving and investment services

Delivering - cash and investment solutions

Focusing - on strong brand ethics and working with well known brands

Using - innovative online marketing distribution

Our vision

To provide:

Full client service to include savings (cash), investments and pension

Full institutional service focusing on solutions for businesses, charities and pension trustees

Bespoke solutions for high value investors

Solutions that empower investors to make informed choices

Excellence in Customer Service

Ethical and sustainable bank, campaigning to raise awareness of their services for charities and social enterprises

Supporters of the charity and social enterprise sector for over 15 years

Savings across the group increased by Eur 508 million in 2009, 24% increase on previous year

In the UK:

2009 saw significant growth in loan book compared with marginal savings growth, meaning lending was funded out of existing liquidity

2010 targeting growing savings by £20 million in the UK

‘We want to influence the development of the banking industry. Not simply by talking about asustainable financial future, but by actively delivering it.’ Peter Blom

Solutions for charities

Average charity savings rate just 0.38% for instant access and 1.68% for fixed rates

Charities receive almost 50% less interest than other savers

Charities know they are getting a poor deal but don’t know what to do about it

Fair Investment aim to provide charities with access to a range of savings accounts paying above the market average

“At our charity one of our Trustees was unhappy with the interest rates that were being offered by our bank.Over recent years we have seen an eroding of income from interest received from our reserves…..our dealings with Fair Investment have been excellent – our accounts were set up much more quickly than traditional institutions, and we are already feeling the benefit of increased interest income.”Trustee and Director of Charity of SME Charity

What Fair Investment offers to providers of charity savings

Established infrastructure and scalability

Proven track record of success in charity acquisition

Access to a wide distribution base

Total assets under influence across all clients since 2008 - £million plus

Number of charities

Total business

Average Investment

Customer journey

ISAs, Savings and Investments

ISAs, Savings and Investments

ISA, Investments,Savings and

other FDM Deals

ISA, Investments,Savings and

other FDM Deals

Brands operated by Fair Investment

Brands operated by Fair Investment

Brands operated by FDM

ISA / Savings distribution

partners

Distribution

Case Study – 7 Day Notice Account – Current Rate Up to 1.85%

Number of Requests

Conversion Rate (%)

Total Business

Average Investment

Case Study – 3 Year Fixed Rate – Top Rate 4.1%

Number of Requests

Conversion Rate (%)

Total Business

Average Investment

Current products

Provider Instant Access

7 Day Notice

9 Months 1 Year 18 Months 2 Years 3 Years

- - - 2.55% - 3.05% 3.60%

- - 2.00% - 2.60% - -

Up to 1.50%

Up to 1.85%

- 1.25% - - -

Fair Investment working with Triodos Bank

Ethical Ethos within both organisations

Fair Investment offers:

Nationwide reach across the internet

Ability to promote competitive fixed term deposits to the wider market with a proven track record and deliver savings

Ability to map out expected return over given period, based on tranche based offerings

Access to a maturity process which aims to retain 60% of clients at maturity

Next steps / questions?

George Ladds, Business Development Manager T: 0117 933 5559M: 07801 515769

E: georgel@fairinvestment.co.uk