DBS

64 INVESTMENT OPPORTUNITIES GOJI PROPERTY CROWD ISSUER NAME Goji Various Independent Borrowers PLATFORM NAME Goji Property Crowd YEAR FOUNDED 2015 2017 ISSUER INVESTMENT PHILOSOPHY Goji seeks to offer investors a steady return over the Bond term, from a highly diversified pool of credit assets (typically c.500 individual loans) selected using Goji's proprietary credit investment algorithm from carefully chosen lending partners, to provide superior tactical asset allocation. Property Crowd focuses on providing “institutional grade” real estate-backed investment opportunities for the HNW / Sophisticated investor. We have built our platform specifically with the professional investor in mind – from deal structures to custodial safeguards – and source our deals in partnership with institutional players. UNDERLYING ASSETS UK based direct lending investments sourced over a variety of lending partners covering SME, property (bridging, development and commercial mortgages), public sector, supply chain and equipment finance. Institutional-grade real estate (i.e. assets that institutional investors would happily hold as part of their portfolio); mainly UK at the moment, but expanding to include major global real estate investment destinations in the future. SECURITIES ISSUED 4 4 CUMULATIVE AMOUNT RAISED (£) £4.5m £3.1m BIGGEST / SMALLEST / AVERAGE RAISE N/A £1.4m / £0.4m / £0.9m INVESTMENT TERMS OFFERED 1 and 3 years, soon to offer 5 years Typically 6-12 months, but varies from deal to deal HIGHEST / LOWEST / AVERAGE RETURN Target > 5% net of fees and bad debts Currently yielding >6% 12.0% / 10.2% / 11.0% (IRR) LIQUIDITY PROVISIONS 30 days notice after initial 3 month term The relatively short investment terms mean that liquidity is often not an issue for our investors, but we are building a secondary market platform, Prop-X (currently in beta), which will allow investors to trade their positions freely. MIN INVESTMENT £1,000 £5,000 FEES TO INVESTOR 0.95% None FEES TO INVESTEE 0 Not applicable OTHER FEES 0 IFISA fee: 0.95% p.a. (inclusive of VAT) ISA/SIPP OFFERED BY ISSUER Yes Yes (IFISA)