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The markets for unsecured consumer loans in countries where the Company operates relatively underdeveloped and is experiencing rapid growth. Since the beginning of business in late 2005, the company became one of the participants of non-standard lending market. This segment, typically underserved by large financial institutions, and attracts customers who appreciate the flexibility and simplicity of our products.

Team Euroest Invest group has extensive experience in reviewing opportunities and challenges of growing international business, and has built an organization with strong marketing, credit, technology and competencies. Euroest invest group of customer service to put their own platform technology group manages our credit extension, monitoring, and CRM processes, and we are working with local partners to handle specialized areas such as collection and invoicing. This combination of organizational expertise, technologies and partnership enables us to deliver, cost-effective, high level of customer service.

Euroest Invest Group has given priority attention to risk management and the ability to manage change. We constantly monitor the implementation of credit and operational processes and continue to invest in our service and credit risk assessment systems. In addition, Euroest Invest Group maintains good relations with financial institutions to support the growing loan portfolio.

Over the past two years, the company progressed from the beginning and is now established business in four countries, with well-known brand, periodic income, growth, and significant opportunities for further expansion. We continue to develop business in accordance with the significant opportunities available in our markets.