MESSAGE FROM CHAIRMAN 2023

Dear staff members, partners, shareholders, and stakeholders of Prima Finance and Investments (PRIMAMFI), I would like to thank us all for the significant milestones and achievements reached in 2022. As a start-up, we faced many challenges, including management gaps and a lack of expertise from our pioneering CEO, which caused some setbacks. We are grateful for his contributions. However, the constraints opened our eyes to local realities and an excellent opportunity for diversion; today, the results are eloquent and visible, foremost among them:

Banks are becoming invisible, closely tied to consumers' lives, accessing banking services anytime, anywhere, without needing to queue at a bank; banking operations will be in the palm of your hand, leveraging integrated, cashless currency exchange, payment, travel insurance renewal in one click, getting personalized offers and product promotions such as:

• Compliance policies and procedures in place
• Security of our business premises
• Governance policy in place
• Core banking software designed and delivered
• Neobank nearly completed
• PRIMAMFI app completed and now in the testing phase
• USDT codes finalized
• Medical fees
• Overseeing hospital cash flow
• Compassionate visits
• Innovative banking services open up new waves of possibilities
• Real-time P-to-P payments
  Smart 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, enabling payments. Executed in seconds, safely for everyone worldwide. Powered by Swift, thanks to Prima’s global payment and innovation, businesses can track their payment processes and goods from start to finish, from instructions to destinations. For big data analytics, clients can leverage deeper customer insights for predictive investment portfolios, establishing stronger customer relationships, and leveraging smart blockchain contracts.
  
  Loans can be settled and signed automatically. Digital transformation is disrupting the banking industry, and Prima has come to fill the face-to-face transaction, saving time and time that we know is money. They capitalize on the confluence of digital technology to revolutionize the banking industry and enhance the customer experience and journey. Improve 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 to dynamic market demands, innovative technologies, and industry expertise. Prima, a 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 kept us aligned 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 address their financial challenges and support their empowerment, both socially and economically.
  
  In Cameroon, women earn 2.5% less than men, yet over 50% of entrepreneurs are women. In fact, 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 through societies.

Dear staff, partners, shareholders and stakeholders of Prima Finance and Investments (PRIMAMFI) Prima Finance and Investments (PRIMAMFI), I would like to thank us all for the important milestones and achievements in 2022. As a as a start-up, we faced m