An investment in knowledge pays the best interest. - Benjamin Franklin

An investment

in knowledge

pays the

best interest.

What would you like to say

to the alumni investors who

funded your studies?

A massive ‘thank you’ to everybody who’s helped fund my studies. It’s genuinely not an exaggeration to say that if it weren’t for the Prodigy scheme, I wouldn’t have been able to do the Cranfield MBA programme. It has been transforming for me. Schemes like this give people like me opportunities to really fulfill our ambitions and hopefully go out to do great things in the world.

What do you think the impact

of an international loan

programme has been?

The impact has been huge. We know that we’re recruiting students who, without the loan, might not have been able to join us. So for us the ability for those students to access this funding has meant that we’ve recruited some brilliant people who might not be in the class otherwise.

David Simpson

Admissions Director, London Business School

Emma Buckland

Prodigy Loan Recipient, Cranfield MBA,

2013 Class President

What, in your opinion,

makes the Prodigy

model revolutionary?

The Prodigy Finance solution is revolutionary because it really increases the depth and access to higher education for international students through a financial solution that is pertinent to traditional investors... it is a true example of a win/win situation.

Antoine Tirard

Current Investor, INSEAD MBA ‘97

Since 2007, Prodigy Finance has been revolutionizing student finance. Our innovative model offers loans to international postgraduate students at leading universities and business schools. Through our community platform, alumni and other investors earn competitive returns, while students gain access to higher education they otherwise could not afford. We leverage the power of the alumni base to invest in the next class of MBA graduates.

Prodigy Finance bonds fund talented international students,

to attend the world’s top business schools, through an innovative

community loan programme.

About us

Investing in Future

Business Leaders

$86M

funding over STUDENTS

2000

92

99%

As featured in

Up to 65% of top

MBAs need funding −

but banks struggle to

lend internationally.

‹ Banks cannot price foreign risk nor enforce repayment across borders. ‹ Traditional lending models only assess historical indicators (e.g. past salary

or current assets), ignoring likely salary increases after business school.

‹ The 2008 credit crunch aggravated these problems; governments cut

We combine innovation with industry best practice, to ensure exceptional performance: 99% repayment to date.

Why it Works

Localised risk screening

Country-specific risk assesment of every applicant worldwide.

Community enforcement

Each student’s repayment status is shown to the investors, providing social pressure to repay.

Borderless loans

Funding and legal enforcement of loans for students from 150 different nationalities.

Diversified, premium assets

Globally diverse, top MBA students with excellent job prospects (and c.112% increase in salary) after graduation.

Individual loan assessments

Personalised interest rates and loan sizing.

Predictive scorecard

Model built on thousands of data points assesses future earning potential and thus, loan affordability.

‹ Investors support students at their alma mater (or another school) and earn a competitive financial return. Schools obtain the best students (regardless of

financial need) and increase diversity. Students receive funding for business school and connect with the alumni community. In our community finance model, alumni fund the next generation of MBAs. Investments from school endowments, institutions, and other impact investors help supplement funding.

Our Revolutionary Model

Our global community of investors and student borrowers is comprised of talented business leaders.

The Prodigy Community

Our students come from 90 nationalities and benefit considerably from their business degrees. Top MBAs experience salary increases of c. 112% after graduating, often working at top firms.

Students

Our investors are a combination of alumni, members of the school community, and non-alumni looking for socially responsible investments.

Investors

We focus on top-ranked business schools. To date, we have launched loan programmes at ten leading universities, and are now expanding to other institutes in Asia, Africa, Europe, and North America.

Schools

As in the Chinese

saying “fuel delivered

on a snowy day”,

Prodigy Finance gave

me a hand when I

needed it most, opening

a new world for me.

We focus on developing country students, supporting business leaders where they’re needed most.

Our Social Impact

increase in salary for developing world nationals, markedly higher than the increase for developed world citizens.

80%

130%

of our borrowers had no alternative funding options. UP TO

UP TO

UP TO

of our student borrowers come from the developing world; over half of whom have returned home after graduation.

Our Investment Structure

The bond is issued by a Special Purpose Vehicle,

MBA Community Loans plc, and is listed on the Irish Stock Exchange. Investments are made into a school-specific single class of students, meaning performance is independent of other schools or classes. The bond's return is related to the repayment performance of the students. Individual defaults would incrementally affect the return. Investors may elect to invest in one school or across multiple schools, but investments must be made in the currency of the university’s tuition.

Student Loans

Base + c.7.5%

Investor Bonds

Base + competitive financial return

£

$

€

MBA Community Loans

Our Team

Prodigy Finance’s management team and shareholders are seasoned entrepreneurs, and leading financial services professionals.

Michael Ullmann (Board Chairman)

Entrepreneur and angel investor in over 40 companies

Alan Morgan (Board)

Co-Founder of MMC Ventures; previously Head of McKinsey & Co’s Financial Services in EMEA

Nick Clayton (Board)

Angel investor who founded and exited two financial services businesses in Asia

Dr. Andy Phillipps

Serial Entrepreneur and Angel Investor, previously Founder and CEO of ActiveHotels which was sold to Priceline for $161 million

David Stevens

Co-founder and COO, Admiral Group (FTSE100)

Dr. Egbert P. Willam

Chairman, Ken Private Equity; formerly on Board of Management of Cologne Reinsurance Group, the world’s oldest Reinsurance group with activities in 150 countries

Michael Butt

Chairman, Axis Capital (a leading insurance and re-insurance group with a market cap of $6.3bn)

Our Shareholders

Ricardo Fernandez

Head of Business Development

Strategy and management consultant with over 8 years experience in the top global consultancies. Serial entrepreneur with several successful exits. UC Berkeley Engineer (Hons) and MBA INSEAD.

Cameron Stevens

Founder and CEO

Previously co-founded a corporate advisory firm in South East Asia. B.Bus.Sci (Finance Hons) and MBA INSEAD.

Alastair Hops

CFO

10 years in financial services. Oversaw finances for a London tech accessories startup-turned-global-brand, with outlets in 25 countries. B.Sc. and Chartered Accountant (RSA).

Trevor has 12 years business experience; specialising in operations, strategy and business improvement. Prior to joining Prodigy Finance he consulted to blue chip and private equity firms, helping them deliver against growth aspirations and unlock value. BSc. Chem Eng and MBA (Cape Town).

Trevor Watson

Head of Operations

40

3

12

5

A great, smart

combination of

social purpose

and sound

financial returns.

-Antoine, French Investor, INSEAD ‘97

This document is a not a full prospectus; before making any decision to invest you should read the entire Prospectus and Final Terms for the Series, available at www.prodigyfinance.com. This product is not suitable for all investors, nor is it intended as a complete investment programme, and you should take independent investment advice as to whether this product is suitable for you. Past performance is no guide to future performance. This product is not a deposit and is not covered by the UK Financial Services Compensation Scheme (FSCS) or any equivalent overseas compensation scheme. This investment has not been, and will not be, registered under the US Securities Act of 1933, as amended (the Securities Act), and may not be offered or sold within the United States or to, or for the account or benefit of, US persons (as defined in Regulation S under the Securities Act (Regulation S)) except in certain transactions exempt from the registration requirements of the Securities Act. This product may have limited or no liquidity, and you may find it difficult or impossible to realise the value of your investment. You should be aware that by investing in this product you may lose some or all of the money invested. You have limited recourse to the issuer of the security, no recourse to the borrowers, and there are other risks including those relating to the default or insolvency of the issuer who is not an authorised or regulated firm. The target return on the notes is fully dependent on the repayment performance of the students linked to the Series. The timing and amount of these repayments will determine the overall return on the Notes. Prodigy Finance Ltd is an appointed representative of BriceAmery Capital Limited which is authorised and regulated by the Financial Conduct Authority. This document has been issued by BriceAmery Capital Limited as a Financial Promotion under Section 21 of the Financial Services and Markets Act 2000.

PFL_140626_GB

prodigyfinance.com

Have more questions?

Jenn Schwendeman

+44 207 193 2832