Word from the Chief Executive Officer

André Lalumiere

Depositors can sleep at night safe in the knowledge that we are taking good care of their funds.

Since obtaining our license we have opened four new Branches in Natete, Kalagi, in Mokono District, Mubende and Mayuge Branches. We have enlarged the premises in Masaka, Mbarara and City Branch on Entebbe Road Kampala and moved our Owino Branch Kampala and Juinja Branch into new premises.. Two other branches: Gayaza and Mbale will be operational effective January 2012 with a branch in Kyenjonjo under preparation scheduled for February 2012.

We commenced a mobile Bank service in September 2010 operating out of our Mbarara Branch and servicing initial four points of call increased since January 2011 to eight villages.

Our product range has expanded to include Savings accounts, fixed deposits, SME Loans, Agricultural loans, fixed asset loans and loans to assist schools to expand and improve welfare of their pupils. Recent new loan products include Solar Energy and Housing Improvement loans,

The Western Union money transfer service is now available at all our branches for sending and receiving money.

We have joined the Interswictch network of 86 Automated teller machines to enable our customers access cash whenever they need it. A machine is currently being istalled in our Entebbe Road Kampala City Branch and more will follow.

More opportunities will open up to staff who wish to progress and who are willing to take on new challenges in their careers. People are our biggest asset and Senior Management is mindful that we retain good people, who are committed to the mission and vision of the Opportunity Uganda. We encourage personal growth and our staff members who achieve have our encouragement and recognition.

To be successful in our endeavors, we all have to be committed to the values of the organization. We would like to build a world class organization, with positive and energetic people, who differentiate us from our competitors through the way we are serving our clients. Together, we can make a difference in the lives of economically active people in Uganda.