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Systems Structures
                                                                                             Methodologies Training


03/04/2012

The Managing Director/CEO
Cellulant Nigeria Limited
50B, Ladipo Bateye Street,
GRA, Ikeja, Lagos.

ATTN: Mr. Bolajo Akinboro

Dear Sirs/Madams,


          Executive Summary Of O-Mobile MAMCIS Programme As At 14-04-2012
Kemson concept Limited and Africa Capital & Business Support Limited in partnership with the Commonwealth Business Council (CBC) London
have been working for the past three years developing Open Mobile Mechanized Agriculture & Micro Credit Investment Scheme (O-
MobileMAMCIS) Programme an Agric Value Chain for the past three years. The O-Mobile MAMCIS Farmers Network now has the following
Members of the Value Chain ready for the role out of our first operational pilot programme in 8 states in Nigeria:

    1.   Funding Partners

         1.       Commonwealth Business Council (London)
         2.       Mainsail Trading Limited (Duba)
         3.       Suisse Bank Plc (London)
         4.       Alma Hasito Investment Group Limited (Dubai)
         5.       Belize International Bank Limited (Belize)
         6.       SOUTHERN CROSS Insurance & Reinsurance Company Limited (Belize)
         7.       Anthony Cox Eq (London)
         8.       Lloyds Mercantile Insurance Of London (London)

    2. MAMCIS Cooperative Trust Fund Professional Parties

         1.       Grantor                                                 Mainsail Trading Limited
         2.       Africa Capital & Business Support Limited               Third Party Administrator
         3.       Trustee                                                 Intercontinental Trustee Limited
         4.       Transaction Platform Provider                           Kemson Concept Limited
         5.       Local Custodian Bank                                    Diamond Bank Plc
         6.       Sub Custodian Bank                                      Member Microfinance Banks
         7.       Cooperative Members                                     Member Cooperative Societies




                                                               Kemson Concept Ltd              RC 370841

                                                               Unity Bank Building,
                                                                                                     t: + 234 (01) 821 0998
                                                               VT Leasing Office Complex
                                                               2nd Floor, Plot 1230b                 e: corporate@kemsonconcept.com
                                                               Ahmadu Bello Way, Bar Beach           w: www.kemsonconcept.com
                                                               Victoria Island Lagos
                                                               Nigeria
Systems Structures
                                                                                         Methodologies Training


3. Cooperative Members Contribution and MAMCIS Loan able Amount:



                                                                                               Percentage        Percentage
                                          Number Of   MAMCIS COOP                                 Cast           M-Payment
      S/N                NAME              Farmers     Contribution      Loan Amount           Withdrawal        Withdrawal




                                                                              34                        20%                   80%




            1   AGRO-SUCCESS-WARRI         2,300.00   28,680,000.00    975,120,000.00       195,024,000.00     780,096,000.00
                Union Weat Africa
            2   Cooperative-KOGI           1,000.00   10,000,000.00    340,000,000.00       68,000,000.00      272,000,000.00

            3   AGRO-SUCCESS-ENUGU           600.00   7,957,952.50     270,570,385.00       54,114,077.00      216,456,308.00

            4   ILE OLUJI CASS. GROWERS      650.00   8,433,000.00     286,722,000.00       57,344,400.00      229,377,600.00

            5   AGRO-SUCCESS-ANAMBRA         650.00   4,830,000.00     164,220,000.00       32,844,000.00      131,376,000.00

            6   AGRO-SUCCESS-UGHELLI         200.00   8,000,000.00     272,000,000.00       54,400,000.00      217,600,000.00
                AGRO-SUCCESS-CROSS
            7   RIVER                        500.00   9,420,000.00     320,280,000.00       64,056,000.00      256,224,000.00

            8   SOCIAL WELFARE-ABIA          600.00   9,263,287.72     314,951,782.48       62,990,356.50      251,961,425.98

            9   AGRO-SUCCESS-Kogi          1,000.00   9,000,000.00     306,000,000.00       61,200,000.00      244,800,000.00
                OSUN STATE MECHANISE
        10      COOPERATIVE                  600.00   10,300,000.00    350,200,000.00       70,040,000.00      280,160,000.00

        11      APEX FADAMA – ILORIN         200.00   4,000,000.00     136,000,000.00       27,200,000.00      108,800,000.00

        12      IMO GOD'S FAVOUR             500.00   4,064,000.00     138,176,000.00       27,635,200.00      110,540,800.00

        13      INENEGY COOPERATIVE          300.00   2,800,000.00     95,200,000.00        19,040,000.00      76,160,000.00

        14      AGRO-SUCCESS-EDO             200.00   244,000.00       8,296,000.00         1,659,200.00       6,636,800.00

        15      AGRO-SUCCESS-IMO             200.00   1,760,000.00     59,840,000.00        11,968,000.00      47,872,000.00




                                                           Kemson Concept Ltd              RC 370841

                                                           Unity Bank Building,
                                                                                                 t: + 234 (01) 821 0998
                                                           VT Leasing Office Complex
                                                           2nd Floor, Plot 1230b                 e: corporate@kemsonconcept.com
                                                           Ahmadu Bello Way, Bar Beach           w: www.kemsonconcept.com
                                                           Victoria Island Lagos
                                                           Nigeria
Systems Structures
                                                                                               Methodologies Training


                AKURE IRE AKARI COOP.
          16    MPC                           200.00    819,000.00          27,846,000.00         5,569,200.00       22,276,800.00
                OGBOMOSHO Mechanized
          17    Cooperative                   600.00    4,500,000.00        153,000,000.00        30,600,000.00      122,400,000.00
                Divine Grace Cooperative
          18    (Abeokuta)                    100.00    400,000.00          13,600,000.00         2,720,000.00       10,880,000.00



                                           10,400.00    124,471,240.22      4,232,022,167.48      846,404,433.50     3,385,617,733.98




4.   Microfinance Banks

         1.    Lifegate Microfinance Bank Limited                          (Ikorodo Road-Lagos State)
         2.    Karis Microfinance Bank Limited                             (Ojodu-Lagos State
         3.    Solace Microfinance Bank Limited                            (Oleh-Delta State)
         4.    IC Global Microfinance Bank Limited                         (Warri-Delta State)
         5.    Golden Choice Microfinance Bank Limited                     (Ugheli Delta-State)
         6.    Kogi Microfinance Bank Limited                              (Lokoja-Kogi State)
         7.    Uyogba Microfinance Bank Limited                            (Unyeogba-Kogi State)
         8.    First Golden Mercury Microfinance Bank Limited              (Oshogbo-Osun State)
         9.    New Vision Microfinance Bank Limited                        (Ogbomoso-Oyo State)
         10.   Minjise-Churchill Microfinance Bank Limited                 (Port Harcourt-Rivers State)
         11.   Ileoluji Microfinance Bank Limited                          (Ileoluji-Ondo State)
         12.   Cutting Edge Microfinance Limited                           (Benin State-Edo State)

5.   Mechanized Commercial Farmer

                                                                            Status           Amount              Loan Amount
               NO   Name                                                                     Contributed
                                                                            40%              15,000,000.00       510,000,000.00
                1   MAKAKWUTE INNOVATIVE LTD                                Operational
                                                                            Still In         30,000,000.00       1,020,000,000.00
                                                                            Planning
                                                                            Stage But
                                                                            All
                                                                            Agreement
                2   HOMELAND AFRICA LIMITED                                 With Global




                                                             Kemson Concept Ltd                  RC 370841

                                                                Unity Bank Building,
                                                                                                       t: + 234 (01) 821 0998
                                                                VT Leasing Office Complex
                                                                2nd Floor, Plot 1230b                  e: corporate@kemsonconcept.com
                                                                Ahmadu Bello Way, Bar Beach            w: www.kemsonconcept.com
                                                                Victoria Island Lagos
                                                                Nigeria
Systems Structures
                                                                                     Methodologies Training


                                                                   Partners
                                                                   Signed




6.   Insurance Partners


          1   Standard Alliance Insurance Plc
          2   Standard Life Assurance Limited
          3   Niger Insurance Plc
          4   Sovereign Trust Insurance Plc
          5   Equity Assurance Plc
          6   Mutual Benefit Assurance Plc



7.   Insurance Brokers


          1   Finbank Insurance Brokers Limited
          2   Agborwaeim Insurance Brokers Limited
          3   Living Stone Insurance Brokers Limited
          4   Hog Robinson Insurance Brokers Limited
          5
          6




                                                       Kemson Concept Ltd              RC 370841

                                                       Unity Bank Building,
                                                                                             t: + 234 (01) 821 0998
                                                       VT Leasing Office Complex
                                                       2nd Floor, Plot 1230b                 e: corporate@kemsonconcept.com
                                                       Ahmadu Bello Way, Bar Beach           w: www.kemsonconcept.com
                                                       Victoria Island Lagos
                                                       Nigeria
Systems Structures
                                                                                               Methodologies Training



    8.   Transaction Platform


O-Mobile Platform Host the IT Infrastructure of MAMCIS Partner Microfinance Banks as a Hosted Shared Infrastructure FREE. (See the platform
diagram bellow).




    9.   Transaction Partner Technology Partners

              a.   Smartlink Limited (Dubai)
              b.   MapCard International Inc (USA)
              c.   Jilanda SecureSmart Limited (London)

    10. O-Mobile Telephone Services

              a.   Reliance Telecommunications Limited
              b.   Crown Interactive Limited




                                                                 Kemson Concept Ltd              RC 370841

                                                                 Unity Bank Building,
                                                                                                       t: + 234 (01) 821 0998
                                                                 VT Leasing Office Complex
                                                                 2nd Floor, Plot 1230b                 e: corporate@kemsonconcept.com
                                                                 Ahmadu Bello Way, Bar Beach           w: www.kemsonconcept.com
                                                                 Victoria Island Lagos
                                                                 Nigeria
Systems Structures
                                                                                                Methodologies Training



    11. Offtaker Of the Agricultural Produce

              a.   MAMCIS Commodity Exchange (London) In development
              b.   Mainsail Trading Limited (Dubai)
              c.   Alma Hasito Investment Group Limited (Dubai)
              d.   Mainsail Trading Pty (South Africa)
              e.   Mainsail Investment Pte Limited (Singapore)


We are finalizing the operational side of the Value Chain financing of O-Mobile MAMCIS Farmers Network in the second quarter of the this year
and disbursement of the Loans will start.

We will be willing to explore how we can partner with GES Programme to Scale up O-Mobile MAMCIS Programme.

Thanks




Benjamin Aduli

Managing Director/CEO




                                                                 Kemson Concept Ltd               RC 370841

                                                                  Unity Bank Building,
                                                                                                        t: + 234 (01) 821 0998
                                                                  VT Leasing Office Complex
                                                                  2nd Floor, Plot 1230b                 e: corporate@kemsonconcept.com
                                                                  Ahmadu Bello Way, Bar Beach           w: www.kemsonconcept.com
                                                                  Victoria Island Lagos
                                                                  Nigeria

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Ezexutive summary of mamcis programme 14 04-2012

  • 1. Systems Structures Methodologies Training 03/04/2012 The Managing Director/CEO Cellulant Nigeria Limited 50B, Ladipo Bateye Street, GRA, Ikeja, Lagos. ATTN: Mr. Bolajo Akinboro Dear Sirs/Madams, Executive Summary Of O-Mobile MAMCIS Programme As At 14-04-2012 Kemson concept Limited and Africa Capital & Business Support Limited in partnership with the Commonwealth Business Council (CBC) London have been working for the past three years developing Open Mobile Mechanized Agriculture & Micro Credit Investment Scheme (O- MobileMAMCIS) Programme an Agric Value Chain for the past three years. The O-Mobile MAMCIS Farmers Network now has the following Members of the Value Chain ready for the role out of our first operational pilot programme in 8 states in Nigeria: 1. Funding Partners 1. Commonwealth Business Council (London) 2. Mainsail Trading Limited (Duba) 3. Suisse Bank Plc (London) 4. Alma Hasito Investment Group Limited (Dubai) 5. Belize International Bank Limited (Belize) 6. SOUTHERN CROSS Insurance & Reinsurance Company Limited (Belize) 7. Anthony Cox Eq (London) 8. Lloyds Mercantile Insurance Of London (London) 2. MAMCIS Cooperative Trust Fund Professional Parties 1. Grantor Mainsail Trading Limited 2. Africa Capital & Business Support Limited Third Party Administrator 3. Trustee Intercontinental Trustee Limited 4. Transaction Platform Provider Kemson Concept Limited 5. Local Custodian Bank Diamond Bank Plc 6. Sub Custodian Bank Member Microfinance Banks 7. Cooperative Members Member Cooperative Societies Kemson Concept Ltd RC 370841 Unity Bank Building, t: + 234 (01) 821 0998 VT Leasing Office Complex 2nd Floor, Plot 1230b e: corporate@kemsonconcept.com Ahmadu Bello Way, Bar Beach w: www.kemsonconcept.com Victoria Island Lagos Nigeria
  • 2. Systems Structures Methodologies Training 3. Cooperative Members Contribution and MAMCIS Loan able Amount: Percentage Percentage Number Of MAMCIS COOP Cast M-Payment S/N NAME Farmers Contribution Loan Amount Withdrawal Withdrawal 34 20% 80% 1 AGRO-SUCCESS-WARRI 2,300.00 28,680,000.00 975,120,000.00 195,024,000.00 780,096,000.00 Union Weat Africa 2 Cooperative-KOGI 1,000.00 10,000,000.00 340,000,000.00 68,000,000.00 272,000,000.00 3 AGRO-SUCCESS-ENUGU 600.00 7,957,952.50 270,570,385.00 54,114,077.00 216,456,308.00 4 ILE OLUJI CASS. GROWERS 650.00 8,433,000.00 286,722,000.00 57,344,400.00 229,377,600.00 5 AGRO-SUCCESS-ANAMBRA 650.00 4,830,000.00 164,220,000.00 32,844,000.00 131,376,000.00 6 AGRO-SUCCESS-UGHELLI 200.00 8,000,000.00 272,000,000.00 54,400,000.00 217,600,000.00 AGRO-SUCCESS-CROSS 7 RIVER 500.00 9,420,000.00 320,280,000.00 64,056,000.00 256,224,000.00 8 SOCIAL WELFARE-ABIA 600.00 9,263,287.72 314,951,782.48 62,990,356.50 251,961,425.98 9 AGRO-SUCCESS-Kogi 1,000.00 9,000,000.00 306,000,000.00 61,200,000.00 244,800,000.00 OSUN STATE MECHANISE 10 COOPERATIVE 600.00 10,300,000.00 350,200,000.00 70,040,000.00 280,160,000.00 11 APEX FADAMA – ILORIN 200.00 4,000,000.00 136,000,000.00 27,200,000.00 108,800,000.00 12 IMO GOD'S FAVOUR 500.00 4,064,000.00 138,176,000.00 27,635,200.00 110,540,800.00 13 INENEGY COOPERATIVE 300.00 2,800,000.00 95,200,000.00 19,040,000.00 76,160,000.00 14 AGRO-SUCCESS-EDO 200.00 244,000.00 8,296,000.00 1,659,200.00 6,636,800.00 15 AGRO-SUCCESS-IMO 200.00 1,760,000.00 59,840,000.00 11,968,000.00 47,872,000.00 Kemson Concept Ltd RC 370841 Unity Bank Building, t: + 234 (01) 821 0998 VT Leasing Office Complex 2nd Floor, Plot 1230b e: corporate@kemsonconcept.com Ahmadu Bello Way, Bar Beach w: www.kemsonconcept.com Victoria Island Lagos Nigeria
  • 3. Systems Structures Methodologies Training AKURE IRE AKARI COOP. 16 MPC 200.00 819,000.00 27,846,000.00 5,569,200.00 22,276,800.00 OGBOMOSHO Mechanized 17 Cooperative 600.00 4,500,000.00 153,000,000.00 30,600,000.00 122,400,000.00 Divine Grace Cooperative 18 (Abeokuta) 100.00 400,000.00 13,600,000.00 2,720,000.00 10,880,000.00 10,400.00 124,471,240.22 4,232,022,167.48 846,404,433.50 3,385,617,733.98 4. Microfinance Banks 1. Lifegate Microfinance Bank Limited (Ikorodo Road-Lagos State) 2. Karis Microfinance Bank Limited (Ojodu-Lagos State 3. Solace Microfinance Bank Limited (Oleh-Delta State) 4. IC Global Microfinance Bank Limited (Warri-Delta State) 5. Golden Choice Microfinance Bank Limited (Ugheli Delta-State) 6. Kogi Microfinance Bank Limited (Lokoja-Kogi State) 7. Uyogba Microfinance Bank Limited (Unyeogba-Kogi State) 8. First Golden Mercury Microfinance Bank Limited (Oshogbo-Osun State) 9. New Vision Microfinance Bank Limited (Ogbomoso-Oyo State) 10. Minjise-Churchill Microfinance Bank Limited (Port Harcourt-Rivers State) 11. Ileoluji Microfinance Bank Limited (Ileoluji-Ondo State) 12. Cutting Edge Microfinance Limited (Benin State-Edo State) 5. Mechanized Commercial Farmer Status Amount Loan Amount NO Name Contributed 40% 15,000,000.00 510,000,000.00 1 MAKAKWUTE INNOVATIVE LTD Operational Still In 30,000,000.00 1,020,000,000.00 Planning Stage But All Agreement 2 HOMELAND AFRICA LIMITED With Global Kemson Concept Ltd RC 370841 Unity Bank Building, t: + 234 (01) 821 0998 VT Leasing Office Complex 2nd Floor, Plot 1230b e: corporate@kemsonconcept.com Ahmadu Bello Way, Bar Beach w: www.kemsonconcept.com Victoria Island Lagos Nigeria
  • 4. Systems Structures Methodologies Training Partners Signed 6. Insurance Partners 1 Standard Alliance Insurance Plc 2 Standard Life Assurance Limited 3 Niger Insurance Plc 4 Sovereign Trust Insurance Plc 5 Equity Assurance Plc 6 Mutual Benefit Assurance Plc 7. Insurance Brokers 1 Finbank Insurance Brokers Limited 2 Agborwaeim Insurance Brokers Limited 3 Living Stone Insurance Brokers Limited 4 Hog Robinson Insurance Brokers Limited 5 6 Kemson Concept Ltd RC 370841 Unity Bank Building, t: + 234 (01) 821 0998 VT Leasing Office Complex 2nd Floor, Plot 1230b e: corporate@kemsonconcept.com Ahmadu Bello Way, Bar Beach w: www.kemsonconcept.com Victoria Island Lagos Nigeria
  • 5. Systems Structures Methodologies Training 8. Transaction Platform O-Mobile Platform Host the IT Infrastructure of MAMCIS Partner Microfinance Banks as a Hosted Shared Infrastructure FREE. (See the platform diagram bellow). 9. Transaction Partner Technology Partners a. Smartlink Limited (Dubai) b. MapCard International Inc (USA) c. Jilanda SecureSmart Limited (London) 10. O-Mobile Telephone Services a. Reliance Telecommunications Limited b. Crown Interactive Limited Kemson Concept Ltd RC 370841 Unity Bank Building, t: + 234 (01) 821 0998 VT Leasing Office Complex 2nd Floor, Plot 1230b e: corporate@kemsonconcept.com Ahmadu Bello Way, Bar Beach w: www.kemsonconcept.com Victoria Island Lagos Nigeria
  • 6. Systems Structures Methodologies Training 11. Offtaker Of the Agricultural Produce a. MAMCIS Commodity Exchange (London) In development b. Mainsail Trading Limited (Dubai) c. Alma Hasito Investment Group Limited (Dubai) d. Mainsail Trading Pty (South Africa) e. Mainsail Investment Pte Limited (Singapore) We are finalizing the operational side of the Value Chain financing of O-Mobile MAMCIS Farmers Network in the second quarter of the this year and disbursement of the Loans will start. We will be willing to explore how we can partner with GES Programme to Scale up O-Mobile MAMCIS Programme. Thanks Benjamin Aduli Managing Director/CEO Kemson Concept Ltd RC 370841 Unity Bank Building, t: + 234 (01) 821 0998 VT Leasing Office Complex 2nd Floor, Plot 1230b e: corporate@kemsonconcept.com Ahmadu Bello Way, Bar Beach w: www.kemsonconcept.com Victoria Island Lagos Nigeria