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Faidika commenced lending operations in Tanzania in 2006 as a subsidiary of Letshego Holdings Limited (LHL). In November 2015, LHL acquired 75% of Advans Bank Tanzania Limited, a commercial bank with mobile, agency and internet banking platforms.FaidikaAlmost a decade after its inception in Tanzania, Faidika is the fourth largest contributor to the Letshego group. Furthermore, we assist customers in over 90% of government districts. Faidika, which is Swahili for "benefit", predominantly offers consumer finance products to its customers. Our customers have improved their lives over the past decade by channelling this funding to their education, health, housing and small business needs. Through our responsive and appropriate loans, we have managed to grow our customer base over the years in excess of 50,000. Customers are retained because of the simple terms and conditions of the credit solutions offered, the focus on productive and rewarding use, and the fast turnaround time. Faidika has a total of 16 main access points and 89 satellite offices across the country.Letshego Bank (T) LimitedLetshego Bank has a smaller footprint and customer base than Faidika; however we are growing rapidly and allowing our customers in the formal and informal sector to optimize the use of inclusive financial products through both Faidika and Advans Bank Tanzania.FaidikaOur ProductsProduct NameMin Term (Months)Max Term (Months)Min Loan Amount(TZS)Max Loan Amount(TZS)Personal Loans660200,00020,000,000Executive Loans66010,000,00030,000,000FaidikaContact UsBranch NamePhysical AddressTelephoneDar es salaamPPF Tower,First floor,Ohio/Garden Street (+255) 22 2124854/5Arusha Summit Centre Building(+255) 27 2547204Mwanza NHC House(+255) 658 555270Dodoma Mtendeni (Uhindini) Plot no.3, Block R(+255) 26 2324477Iringa Bibi Titi Street,Gangilolonga Area,Iringa Municipality Plot no.53 B(+255) 26 2702799Rukwa Jamati Street,Mazwi(+255) 25 2800525Moshi Plot no. 31,New Street (+255) 27 2752120Ruvuma TTCl Building old Tanesco Road Street(+255) 25 2602586Morogoro Nunge Street,Old Dar salaam Road(+255) 717 414748Tanga Market Street/Clock Tower(+255) 27 2647442Tabora NSSF Building,Mihayo Street(+255) 768 007254Mtwara Uhuru road,opp NSSF Building(+255) 23 2334327Mbeya Acasia Street,Block No. 3(+255) 658 555219Lindi Ghana and Uhuru Street(+255) 23 2202323Bukoba NSSF Building 3rd Floot(+255) 755 047 938Kigoma Lumumba Street opposite CRDB Bank(+255) 756 725006Letshego BankOur ProductsProduct NameMin Term (Months)Max Term (Months)Min Loan Amount(TZS) Max Loan Amount(TZS)Express Loans39200,0002,000,000Micro Loans392,000,0005,000,000Business Loans3125,000,00020,000,000SME Loans32420,000,000150,000,000Mtaji Loans3605,000,000200,000,000Letshego BankContact UsBranch namePhysical AddressTelephoneManzese BranchPlot No. 93 Morogoro Road, Manzese Darajani(+255) 658 555009Kariakoo BranchKariakoo street/ Lumumba opp. Harare Inn Hotel(+255) 658 555130 Temeke branchPlot No. 137, Chang'ombe Usalama, Opposite Temeke primary court(+255) 658 555248Mwanza BranchLumumba Road opposite Mayi Hotel(+255) 658 555270 Mbeya BranchSoweto, Former Royal Zambezi(+255) 658 555219

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SOCIAL COMMITMENT Twifo Oil Palm Plantations Limited has a major responsibility to impact on societal development to create an innovative friendly business environment within its location. For us, it is therefore important to contribute to society's future viability and create value in diverse ways. Within the scope of our operation, our social commitment is therefore geared towards 6 thematic areas which include; • Environmental protection • Health promotion • Safety • Education • Community development • Support for the national socio-economic development Environmental Protection In our quest to protect the environment, the Company aimed at maintaining high standard of environmental care to minimize the impact of our operations on the environment and the communities by demonstrating our compliance to all applicable legislations. We aim at prevention of pollution through continues improvement in our environmental performance in all our operations by; • Ensuring the safety of our products and operations to the environment. • Exercising concern for the environment where we operate. • Reducing environmental impact of our products and operations. • Developing and implementing processes and agricultural practices that are environmentally friendly. • Minimizing our consumption of natural resources and manage our waste through responsible disposal and recycling systems. • Working with industrial bodies, EPA and other stakeholders to promote environmental care among our partners. • Providing training for our employees and contractors to be aware of our environmental policy and objectives as well as measures that will be adopted to minimize impact on the environment. • Maintaining environmental monitoring programs to ensure compliance with all applicable legislations and to address our significant environmental aspects. • Paying attention and prevent pollutions caused by waste water, fertilizer/agro chemicals and air emission. Health Promotion One of the Social Commitments of our Company is to promote healthy standard for employees and the communities at large. In ensuring this, the Company has established a clinic which is patronized by all employees and the general public from the surrounding communities. The Company's medical team periodically engages in the promotion of;  Outreach programs in the communities to sensitize the people on the outbreak of epidemics.  Educational programs on healthy leaving lifestyles in the communities.  Sensitization programs to create awareness of the current trend of HIV AIDS in our surrounding communities and encourage free voluntary testing of individuals.  Periodic medical examination for employees and the people of the communities to know their health status.  Health talks on the local FM stations to create awareness of health issues. Safety Safety being one of the values and products of TOPP, our approach to issues of safety is extremely of high standard and our concern is directed towards our employees and the communities in which we operate. It is our desire to have safe environment both at work place and home to prevent personal injury and occupational illness so as to promote good health among our employees and the general public. As such, safety talks, hazard spotting, unsafe acts, near misses and behavioral safety observations are always part of each employee's annual target. Safety talks in relation to issues both at work and home are held every week by all sections in the company. The Company in extending this knowledge to the public has sponsored safety education program on the local FM station which is run every morning from Monday to Friday on topics such as road safety, environmental management, fire management, electricity management, health etc. These programmes are run in collaboration with the Ghana Highway Authority, the Ghana Fire Service, the Ghana Police Service, the Ghana Health Service and the Electricity Company of Ghana. Education TOPP is committed to ensuring that the children of its employees and to a limited extent the communities in its immediate surroundings get the best of education to equip them for the future. To this end TOPP maintains school facilities from Nursery to Junior High School on its estate. The school facilities are open to both employees' children and children from near-by communities. In addition to the provision of school facilities, scholarships are also awarded to employees' children and some brilliant but needy children from the community who gain admission to Government Assisted Second Cycle Educational Institutions. Community Development TOPP believes in the physical development of its environment especially the immediate communities that surround the Company. In our effort to promote development, the Company supports infrastructure and developmental projects initiated by the communities such as provision of roads, boreholes, KVIPs, electricity poles and transformers, renovation of school buildings and supporting other social programs in the communities. The company also provides technical and financial support to the MMDAs and the various traditional authorities in our area of operation. Support for the National Socio-economic Development In the area of national socio-economic development, TOPP endeavors to support the local economy through the infrastructure, services and employment generated by its operation by • Complying with the prevailing statutory employment and social obligations and laws and other applicable requirements to which the industry subscribes. • Implementing and maintaining a social system conforming to RSPO principles & criteria standards, the United Nations Global Compact Principles and the industry's policies and SOPs. • Embrace a policy of open engagement and on-going consultation with local communities, and other stakeholders or credible organizations that represent them with the intention of resolving all land disputes within its concession area in an honest, peaceful and fair manner; • Identify deficiencies and gaps within the community infrastructure and skills base, and provide the necessary empowerment support through a scheme of carefully designed support and build-up programs that include the areas of education and health welfare; • Preserve indigenous cultural values through protecting of religious places of worships and restoring or leaving intact historical sites;

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Faidika commenced lending operations in Tanzania in 2006 as a subsidiary of Letshego Holdings Limited (LHL). In November 2015, LHL acquired 75% of Advans Bank Tanzania Limited, a commercial bank with mobile, agency and internet banking platforms.FaidikaAlmost a decade after its inception in Tanzania, Faidika is the fourth largest contributor to the Letshego group. Furthermore, we assist customers in over 90% of government districts. Faidika, which is Swahili for "benefit", predominantly offers consumer finance products to its customers. Our customers have improved their lives over the past decade by channelling this funding to their education, health, housing and small business needs. Through our responsive and appropriate loans, we have managed to grow our customer base over the years in excess of 50,000. Customers are retained because of the simple terms and conditions of the credit solutions offered, the focus on productive and rewarding use, and the fast turnaround time. Faidika has a total of 16 main access points and 89 satellite offices across the country.Letshego Bank (T) LimitedLetshego Bank has a smaller footprint and customer base than Faidika; however we are growing rapidly and allowing our customers in the formal and informal sector to optimize the use of inclusive financial products through both Faidika and Advans Bank Tanzania.FaidikaOur ProductsProduct NameMin Term (Months)Max Term (Months)Min Loan Amount(TZS)Max Loan Amount(TZS)Personal Loans660200,00020,000,000Executive Loans66010,000,00030,000,000FaidikaContact UsBranch NamePhysical AddressTelephoneDar es salaamPPF Tower,First floor,Ohio/Garden Street (+255) 22 2124854/5Arusha Summit Centre Building(+255) 27 2547204Mwanza NHC House(+255) 658 555270Dodoma Mtendeni (Uhindini) Plot no.3, Block R(+255) 26 2324477Iringa Bibi Titi Street,Gangilolonga Area,Iringa Municipality Plot no.53 B(+255) 26 2702799Rukwa Jamati Street,Mazwi(+255) 25 2800525Moshi Plot no. 31,New Street (+255) 27 2752120Ruvuma TTCl Building old Tanesco Road Street(+255) 25 2602586Morogoro Nunge Street,Old Dar salaam Road(+255) 717 414748Tanga Market Street/Clock Tower(+255) 27 2647442Tabora NSSF Building,Mihayo Street(+255) 768 007254Mtwara Uhuru road,opp NSSF Building(+255) 23 2334327Mbeya Acasia Street,Block No. 3(+255) 658 555219Lindi Ghana and Uhuru Street(+255) 23 2202323Bukoba NSSF Building 3rd Floot(+255) 755 047 938Kigoma Lumumba Street opposite CRDB Bank(+255) 756 725006Letshego BankOur ProductsProduct NameMin Term (Months)Max Term (Months)Min Loan Amount(TZS) Max Loan Amount(TZS)Express Loans39200,0002,000,000Micro Loans392,000,0005,000,000Business Loans3125,000,00020,000,000SME Loans32420,000,000150,000,000Mtaji Loans3605,000,000200,000,000Letshego BankContact UsBranch namePhysical AddressTelephoneManzese BranchPlot No. 93 Morogoro Road, Manzese Darajani(+255) 658 555009Kariakoo BranchKariakoo street/ Lumumba opp. Harare Inn Hotel(+255) 658 555130 Temeke branchPlot No. 137, Chang'ombe Usalama, Opposite Temeke primary court(+255) 658 555248Mwanza BranchLumumba Road opposite Mayi Hotel(+255) 658 555270 Mbeya BranchSoweto, Former Royal Zambezi(+255) 658 555219

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