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Business Introduction (20260323) for candidates

This document shows what it means to work at ZARIBEE. You will understand: - What kind of business you will be involved in - Who you are creating value for - How the business is growing and expanding - What kind of challenges you will face If you are looking for real exposure to building and scaling a business in an emerging market, this will give you a clear picture.

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0 ZARIBEE ｜Rent-to-Own Bike Finance 23/March/2026
1 1. Company and Service 2. Market and Customer 3. Business Status 4. Expansion Plan TABLE OF CONTENTS
2 What We Do as Service We deliver rent-to-own model finance service to the bodaboda riders. Riders ③Bike & Insurance （manage with GPS） ④Daily Payment （$4.2/Day） ①KYC/Contract （Mobile Money History / Guarantor） ②Down payment （$169.23） General Service Contents Bodaboda riders pay a small daily amount and get their asset. Business Model Riders can attain their asset with affordable condition. ❑ Rider get the ownership of a $1,300-worth bike ❑ Daily payment by $4.2 except Sundays for 20 months ❑ Bikes with insurance can give reliable means of work.
3 Our Market in KENYA Our first target market is Bodaboda riders (Bike Taxi) in Kenya, who play a vital role in the country’s transportation. Kenya depends on Bodaboda to transport People use different means to transport with mixture. Kenya and Bodaboda market Kenya has 55 million people, 3 million of whom are bodaboda riders. 7% 31% 33% 37% 39% 71% Bicycle Taxi Private Vehicle Walking Bodaboda Matatu Source： Financing the transition to electric vehicles in sub-Saharan Africa Shell foundation Most common mode of transport 3M bodaboda riders 5% of the country Involves bodaboda industry
4 Target Customer and Their Challenges Bodaboda riders cannot afford to get their own motorcycle. Though they try to access financial service, banks consider them out of their service scope. 30% 30% 40% Self Own Loan Rental Riders’Means of access to Bike Not easy to obtain their own asset. About 70% of riders borrow or loan motorbikes. Source：Honda Motor Kenya Asset rental motorbike Job Bike taxi via ride-hailing apps Income $4-8/day or $120 - $240/month Family a wife and three children Challenges Insufficient earnings and saving • to purchase his own motorcycle • for deposit to access financial services • Lack of insurance <One example of typical rider> Riders who need our service 90% of bodaboda is categorized lower-middle income.
5 Business Status – Bike Dispatch Quarterly Average Bike Dispatches We maintain small # bike dispatch for expansion preparation Cumulative Bike Dispatches Cumulative total of 5,000 units dispatched in Q4 2025. We are keep expanding since we launched our service. (units) (units) 43 71 284 464 489 0 100 200 300 400 500 600 2021 2022 2023 2024 2025 85 296 1,429 3,284 5,238 0 1,000 2,000 3,000 4,000 5,000 6,000 2021 2022 2023 2024 2025
Executive summary of the business performance We launched our service in September 2021, went through a PoC phase, and fully commercialized the business in September 2022, accumulating approximately three years of experience. We have dispatched over 5000 motorcycles in total, with a monthly revenue of approximately $170,000. GROWTH REVENUE TOTAL DISPATCH 5,000+ $ 1.2M x 300% 3,000 bikes run as active portfolio 2024 annual Achieved Profitability Revenue increment 2023 to 2024 GROWTH x 200% Active portfolio increment 2023 to 2024
7 Expanding Roadmap Future Roadmap to expand our business Build the businesses based on Clients Credit Visualization Geographic Expansion Plan Target urban cities with bodaboda markets Developing our business with a focus on asset finance to support the standard of living for motorcycle riders. During 2026, we will make our plan to prepare for the expansion of overseas branches. Enhance Finance access 1. Create Jobs Rent to Own Asset Finance Comprehensive Finance service for Gig workers 4. Asset Management Further Insurance 2. Risk Manage Create the clients’ Job opportunity and enhance their lives Sales Agents 3. New Jobs Increase Clients’ revenue KENYA: ACTIVE Uganda Tanzania Egypt: Investigating Visualize Credit
THANK YOU.