Smart Villages/LCEDN webinar series For more information, please go to e4sv.org https://e4sv.org/events/webinar-crowd-power If you are a start-up or a smaller energy access firm looking to raise funds, then energy-targeted crowdfunding may just be for you. Raising the necessary finance for start-up and scale-up energy access ventures on terms that make commercial sense is one of the biggest challenges in the sector. In the search for appropriate finance, innovative energy access projects are increasingly turning to crowdfunding to address their financing need. Energy4Impact has spent the last 3 years looking into the challenges and opportunities in crowdfunding energy access. In this webinar, they will share some of their findings and recommendations, covering donation, reward, debt and equity crowdfunding. Energy4Impact will be joined by crowdfunding platform partner Lendahand, as well as crowdfunded entrepreneurs Sosai Renewable Energies of Nigeria to present their experiences. This month, our presenters/discussants will be Energy4Impact's Davinia Cogan, who has been managing their crowdfunding research programme, Koen The, CEO of Lendahand Ethex and Habiba Ali, Managing Director of Sosai RE. In addition to presentations on their experiences, the webinar will include a panel discussion on the various challenges and opportunities of crowdfunding energy access between the presenters, as well as - of course - an opportunity for Q&A with all webinar participants.

1. koen.the@lendahand.com
A brief introduction to Lendahand

2. There was hope for Lendahand in 2013
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3. … while the market is almost 15x bigger and growingA $1,400 billion funding gap…
Sources:
IFC – Closing the Credit Gap for
Formal & Informal MSMEs (2013)
APP – Africa Progress Report
(2015)
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We are not inventing, we are executing
Connecting underserved demand with a market desperate for impactful projects

4. Lendahand is Online. Impact. Investing. Platform.
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Making it easy to invest in awesome and impactful projects in emerging markets…
… by employing (fin)tech solutions to improve the lives of many.

5. It’s now 2018 and Lendahand has shown
product & impact & market fit…
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Average investment per lender of
€7,500
2,000 SMEs funded
(more than half owned by women)
Lenders from 36 countries
4,000 jobs created and 17,000
tons CO2 per year reduced

6. 6
Lendahand-
Ethex Ltd
50% 50%
Ethex is an established and fast growing UK
platform for positive investments
- Professionals with deep experience in ethical
retail investing
- £60mio raised
- Strong ties with public development agencies
Efficient use of each party’s assets and skills to
maximize impact and minimize costs
Live since August 2017
7 committed solar home systems companies
£3mio lent through platform
3 large impact-driven investors, 300 private
investors
The UK roll-out is going strong
Joint venture with UK-based Ethex allows us to hit the ground running

7. Snapshot of current portfolio
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With a total size of combined facilities of EUR 20mio (over a 2 year period)…
… we have been able to assist both early stage scale-ups and more mature VC backed businesses in their growth

8. Flexible and reliable funding
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• Raise funds when needed and only pay interest when you have the funds
• Each time you can pick and choose amount & maturity
• All projects on our platform have been fully funded
• As a social fintech company we are competitive in our pricing
• Processes have been optimized for admin burden
• Be part of a new and innovative way of funding and gain international visibility

9. We lend a hand
Our team is sometimes fin-nerdy, at times tech-geeky, but always socially driven
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Peter Heijen – Founder & Biz Dev
MSc Econometrics at Erasmus Univeristeit
Theodoor Gilissen Bankiers, MN
Koen The – CEO
MSc Econometrics at Vrije Universiteit
MBA at UC Berkeley
BNP Paribas, Goldman Sachs
Peter Stolze – Customer Experience,
Branding & Content
MSc in Business at Radboud Universiteit
Cordaid, T-Mobile
Eduard Tee – Operations & Growth
MSc Business Mathematics & Informatics
at Vrije Universiteit
Mirabeau, Deloitte
Tobias Grinwis – Investment Ranger
MSc Strategic Management at Erasmus
Universiteit
Dinand Mentink – Web Cowboy
MSc Financial at Engineering Universiteit
Twente
Web-developer/Owner at Dcreative
Richard Baptist – Purpose Driven
Developer
IT at Univ. of Applied Sciences Rotterdam
DevOps at Rabobank International
Marija Urumovska – Investment Lady
BSc Int’l Economics at Bocconi University
Morgan Stanley
Dedicated contractors
Danny den Hartog : International expansion
Hans Kramer : Digital marketing & PR
Harmke de Hoogh : Legal matters
Philipp Kollenda : Impact measurement

10. 10
Join us on our journey
Our goals for 2020
✓ Facilitate €150 million in debt funding
✓ Create 60,000 jobs
✓ Train 5,000 SME owners through the foundation
✓ Reduce 250,000 tons CO2 emission
✓ Tackle at least 2 other SDGs (e.g. water &
education)
Our dreams for 2020
✓ A global platform where locals can fund local SMEs
✓ Frictionless P2P funding using tech such as block
chain, biometric identification, psychometric credit
scoring
✓ Cheap and fast for SMEs, attractive and sustainable
for investors
✓ An inspiring example of a well-run social enterprise
✓ A level playing field for all people

11. Risks*
▪ Cheap funding in emerging markets: if central banks keep providing
liquidity, and money flows to emerging markets, the margin becomes
under pressure
 Diversify globally, more focus on social impact, and possibly lower
interest rate to lenders
▪ Deteriorating credit risk local partner
 As Lendahand gets more scale the network of local partners – and
thus the possibility to diversify – grows
 Local partners are monitored closely
▪ Lendahand might not be able to attract large local partners that can
provide sufficient pipeline
 Lendahand is increasingly working together with experienced
investment managers
 As volumes grow it will be easier to attract larger local partners
▪ Big players stepping into the EM SME crowdfunding market
 Remain flexible/lean/mean and hire brightest and most committed
people. Stay ahead of the game so that large financial institutions or
online platforms prefer to acquire Lendahand rather than compete
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▪ Growth of crowdfunding market slows
 Lendahand profiles itself as the online platform in the social impact
investing space and once it has reached a certain scale it can shift focus to
institutional investors
▪ A (Dutch) crowdfunding company experiences a high profile default
 Lendahand has a contingent communication plan ready where it
pronounces its distinction from other platforms because of the use of
local partners that select and monitor SMEs, and assume the credit risk
to these SMEs
▪ Lendahand does not attract sufficient funding
 Lendahand adheres to a strict cash management policy and is cost
conscious. Salaries are the largest cost center and the MT members are
willing to accept (even) lower salaries if needed
 Cashflow positive in 2018
▪ International roll-out fails
 Concept has been proven in the Netherlands. Lendahand can become
profitable if it operates in the Netherlands only
▪ Scalability issues
 Lendahand follows the path of operational excellence and is
continuously (investing in) improving processes
▪ Mission creep
 Lendahand measures its social impact and has a dedicated Impact
Officer
* This is not an exhaustive list of risks.

12. This document has been prepared by Hands-on B.V., acting under the name Lendahand, for information purposes only. This document is an indicative
summary of the terms and conditions of the securities/transaction described herein and may be amended, superseded or replaced by subsequent
summaries. The final terms and conditions of the securities/transaction will be set out in full in the applicable offering document(s) or binding
transaction document(s).
This document shall not constitute an underwriting commitment, an offer of financing, an offer to sell, or the solicitation of an offer to buy any
securities described herein, which shall be subject to Lendahand’s internal approvals. No transaction or services related thereto is contemplated
without Lendahand‘s subsequent formal agreement. Lendahand is acting solely as principal and not as advisor or fiduciary. Accordingly you must
independently determine, with your own advisors, the appropriateness for you of the securities/transaction before investing or transacting. Lendahand
accepts no liability whatsoever for any consequential losses arising from the use of this document or reliance on the information contained herein.
Lendahand does not guarantee the accuracy or completeness of information which is contained in this document and which is stated to have been
obtained from or is based upon trade and statistical services or other third party sources. Any data on past performance, modelling or back-testing
contained herein is no indication as to future performance. No representation is made as to the reasonableness of the assumptions made within or the
accuracy or completeness of any modelling or back-testing. All opinions and estimates are given as of the date hereof and are subject to change. The
value of any investment may fluctuate as a result of market changes. The information in this document is not intended to predict actual results and no
assurances are given with respect thereto.
Lendahand, its affiliates and the individuals associated therewith may (in various capacities) have positions or deal in transactions or securities (or
related derivatives) identical or similar to those described herein.
NO OFFERS, SALES, RESALES OR DELIVERY OF THE SECURITIES DESCRIBED HEREIN OR DISTRIBUTION OF ANY OFFERING MATERIAL RELATING TO
SUCH SECURITIES MAY BE MADE IN OR FROM ANY JURISDICTION EXCEPT IN CIRCUMSTANCES WHICH WILL RESULT IN COMPLIANCE WITH ANY
APPLICABLE LAWS AND REGULATIONS AND WHICH WILL NOT IMPOSE ANY OBLIGATION ON LENDAHAND OR ANY OF ITS AFFILIATES.
THIS DOCUMENT DOES NOT DISCLOSE ALL THE RISKS AND OTHER SIGNIFICANT ISSUES RELATED TO AN INVESTMENT IN THE
SECURITIES/TRANSACTION. PRIOR TO TRANSACTING, POTENTIAL INVESTORS SHOULD ENSURE THAT THEY FULLY UNDERSTAND THE TERMS OF THE
SECURITIES/TRANSACTION AND ANY APPLICABLE RISKS.
Disclaimer
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