Philip Acton , DreamStart Labs Inc., UK
13 July 2022

Hi Jeff, Thank you for your comment. To get straight to your two questions: (1) Given that we come into the Group as a member, we receive the same return on our investment/savings as other members. As you know, this is not predetermined so we take the same risk on return as other members do, and (2) We are able to Credit Score groups using their member, savings and lending histories, so we do not invest in all groups automatically. Having said that, if a group fails - or chooses not - to repay, we lose our investment. We do not take security, so the risk of loss is entirely with us.