Message from chairman 2022

Dear staff members, partners, shareholders, and stakeholders of Prima Finance and Investments (PRIMAMFI),

I would like to thank all of us for the important milestones and achievements we reached in 2022. As a startup, we faced many challenges, including management gaps and a lack of expertise from our pioneering CEO, which caused some setbacks. We appreciate his contributions; however, the constraints opened our eyes to local realities and an excellent opportunity for change. Today, the results speak for themselves and are evident, among which are the following;

Banks are becoming invisible, closely linked to consumers' lives, accessing banking services anytime, anywhere, without the need to queue in a bank; banking operations will be in the palm of your hand, leveraging integrated currency exchange without cash, one-click payment, and travel insurance renewal. Customers can receive personalized offers and promotions such as:

- Compliance policies and procedures in place
- Security of our business premises
- Governance policy in place
- Core banking software designed and delivered
- Neo-banking almost completed
- PRIMAMFI app is completed and currently in the testing phase
- USDT codes finalized
- Medical expenses
- Supervises hospital cash flow
- Compassionate visit
- Innovative banking services open up new waves of possibilities
- Real-time P-to-P payments

Intelligent chatbots and virtual assistance, news on stocks and investments, and investment advice are now automated services provided. The future of cross-border payments? Convenient as domestic payments enable them. Execute in seconds, safely for everyone worldwide. Powered by Swift, thanks to Prima's global payments and innovation, businesses can track their payment processes and goods from start to finish, from instructions to destinations. For big data analysis, customers can leverage deeper customer insights for predictive investment portfolios, establishing stronger customer relationships, and leveraging smart blockchain contracts.

Loans can be cleared and signed automatically. Digital transformation is disrupting the banking industry, and Prima is here to bridge face-to-face transactions, saving time and money, as we know time is money. They capitalize on the convergence of digital technology to revolutionize the banking sector and improve customer experience and journey. Enhance service offerings with open APS (connecting ecosystems to mortgages, payments and loans, investments, njangi, and the market). Can Switch is a trusted digital transformation partner connecting changing customer needs with dynamic market demands, innovative technologies, and industry expertise. Prima, the catalyst for our digital bank, will come to life in 2023.

Corporate Social Responsibility (CSR) and Environmental Social and Governance (ESG) have been the cornerstone of our practice and have kept us in line with our mission and vision. We prioritized partnerships with organizations with a high proportion of young people and women to ensure these underserved groups benefit from our loans and products to tackle their financial challenges and support their social and economic empowerment.

In Cameroon, women earn 2.5% less than men, but over 50% of entrepreneurs are women. Indeed, our partnerships with the Buyam Sellam Association aim to provide a platform for women to access financial resources. Our goal of addressing unemployment was also evident through events that aimed to encourage entrepreneurship and facilitate cooperation among different stakeholders across companies.

I would like to thank all of us for the important milestones and achievements we reached in 2022. As a startup, we faced many challenges, including management gaps and a lack of expertise from our pioneering CEO, which caused some setbacks. We appreciat