Now if you want to invest in action in a project proposed for this purpose, everything will depend on the steps already taken between your first connection without registration or the first contact with CAE-D'HAITI (level 0), your registration without having validated the risks to which you are likely to expose yourself (level 1), your registration after having read and accepted the risks to which you are likely to be exposed (level 2) and your answers to the knowledge-client questionnaire in lieu of an adequacy test .

Indeed, the display of the content of the proposed projects will be progressive according to the level of the user.

- Level 0: Case of platform users who do not have an account

The user will see a light version of the content: partial version of the content of funded projects in all forms.

- Level 1: Case of users of the platform who are registered but who have not yet accepted the risks to which they are likely to be exposed by being shareholders of a project.

The user will see the summary of the projects financed on the platform (i.e. the reliability analysis containing a balance sheet and a synthetic income statement close to those available on the financial information sites on companies and documents to download if necessary).

- Level 2: Case of users of the platform who are registered and who have accepted the risks to which they are likely to be exposed

These users will see the entire content of the funded projects in the form of an action, but they will only be able to finalize their investment after having answered the customer knowledge questionnaire in lieu of a suitability test.

How to choose a project?

In addition to this, you need to know more about it.

For projects financed in the form of loans with remuneration, you can freely choose to invest your money in CAE-D'HAITI. For these projects, we offer an interest rate and a financing term.

For all other projects financed in the form of an action, before investing, you must first answer the customer knowledge questionnaire instead of the suitability test. At the end of this step and depending on the answers provided, you will be offered projects corresponding to your investor profile. The projects adapted to your profile will be visible in clear while those which do not correspond will be grayed out. You are nevertheless free to take into account or not the investment advice that will have been provided to you personally. Your investment will have no limit for a project. You can apply to be elected to the board of directors of the said project.

What does project rating mean?

In addition to this, you need to know more about it.

Each project submitted by a company is first evaluated by our financial analysts before being presented to the internal selection committee. Each project financed in the form of debt is assigned an analysis rating from CAE-D'HAITI ranging from A to E. An A rating signifies that the investment has proven financial strength, a solid team and a buoyant market. On the contrary, an E rating indicates that the investment has significant structural weaknesses, management gaps and a sharply declining market.

Analysis Note

General appreciation

AT

File showing no sign of fragility and / or benefiting from excellent economic fundamentals and / or

Strong management experience and / or

Strong growth market

B

File showing few signs of fragility and / or benefiting from good economic fundamentals and / or

Experienced management and / or

Growing market

VS

File showing some signs of fragility and / or fair economic fundamentals and / or

Management with little experience and / or

Stall market

D

File showing significant signs of fragility and / or weak economic fundamentals and / or

Management without experience and / or

Market in slight recession

E

File showing very high signs of fragility and / or no economic fundamentals and / or

Failed management and / or

Market in deep recession

How is this rating set?

In addition to this, you need to know more about it.

The projects financed in the form of debt are first analyzed by our financial database tools to test the adequacy of the projects to the pre-selection criteria set. If these criteria are met, our financial analysts assess the company's repayment capacity. The higher this capacity, the higher the score. If it is insufficient, the project will not be accepted.

Then, we perform a multicriteria and multisectoral analysis. This analysis consists of having a consolidated vision of the company financed by combining a financial approach (60% of the final score), a sector approach (20% of the final score) and an approach linked to the management team (20 % of final mark). Finally, the projects are presented to an internal selection committee before an experienced team which validates this analysis and determines the final score according to the risk represented by the company.

How are the amount and duration of funding determined?

In addition to this, you need to know more about it.

Each company that files a project financed in the form of debts completes its financing request with a desired amount and duration. If the repayment capacity is deemed satisfactory, our financial analysts offer the company a financing offer in line with its initial request. If our financial analysts believe that it is advisable to revise the amount sought and / or the duration of the financing upwards to be more in line with the real repayment capacity of the company, we make an alternative proposal to the company with a different amount and / or duration that it is free to accept or refuse.

What is the success threshold for a collection?

In addition to this, you need to know more about it.

We determine with each company the amount it needs for its project. If the project lends itself to it (case where the amount sought can be segmented into as many independent sub-projects), we determine an amount making it possible to validate the collection even if it would be lower than the amount sought. This amount is called the success threshold or initial goal or minimum amount sought. Reaching this amount makes it possible to secure the collection, which continues to take place until its end.

What happens if the amount sought by the company is not reached during the collection period?

In addition to this, you need to know more about it.

If this amount is not reached at the end of the collection period, you will be informed of this situation and together analyze the different possibilities: Request to increase investments, Return of sums to invest to investors.

What does the circle close to a collection mean?

In addition to this, you need to know more about it.

The first contributors are generally family, friends and company employees. They are the ones who often allow the start of the fundraising to take off and create the fundraising dynamic to reach the fundraising objective. But there are also the friends of friends, the contributors who do not know the company but who feel close to it. All these people form the close circle, as defined at CAE-D'HAITI

How is the interest rate determined?

In addition to this, you need to know more about it.

For CAE-D'HAITI projects, the interest rate is directly linked to the rating determined by the team of financial analysts as well as to the financing period selected. The longer this term, the higher the interest rate.

Why is it not the investor who sets the interest rate?

In addition to this, you need to know more about it.

We define the interest rates ourselves simply because we consider that this constitutes an important part of our added value and also because it seems important to us that each investor can participate in the financing of a project on the same basis of remuneration since investors carry the same level of risk.

What does the security deposit for investors consist of?

In addition to this, you need to know more about it.

One of the specificities of the platform is to have set up a guarantee deposit in favor of investors for projects financed in the form of debt with fixed remuneration. Concretely, this is an amount that is locked in an account dedicated to security deposits when funds are returned to the company. It represents the equivalent of two installments and is returned to the company when the last two installments are called if it has honored its commitments to investors. Part of the donations received in the form of crowdfunding will also be used to guarantee the repayment of loans by injecting it after analyzes into companies in difficulty. This security deposit helps protect investors since, in the event of default, it can be used to defend the interests of investors.

What are the risks for an investor?

In addition to this, you need to know more about it.

Investing in crowdfunding presents a significant risk of partial or total loss of capital as well as a risk of illiquidity. If, due to financial difficulties encountered, the company goes bankrupt, there is a high probability that a shareholder will lose their investment. This is why we advise investors to finance CAE-D'HAITI instead of a specific project. Because by financing CAE-D'HAITI, your money will be reinvested in several projects, a strategy that will reduce the risk of loss.

Does the internal team invest in projects?

In addition to this, you need to know more about it.

Yes, the internal team trusts the companies selected by it and has a reserve that it constantly reinvests in the new projects proposed. This reserve comes particularly from donations received.

Why reinvest my repayments?

In addition to this, you need to know more about it.

Diversification helps minimize your risk of capital loss. You can from the start imagine your financing plan by dividing your total amount into x projects or reinvest your interests in new projects.

Is there a difference with a classic savings book?

In addition to this, you need to know more about it.

There are several differences between your investment account in CAE-D'HAITI at fixed rates, investments in shares and a savings account opened with a banking institution.

For example, money placed in a passbook is available at any time and at your convenience while on your travel account, you can only withdraw money on the scheduled date for fixed rate investments. As for investments in stocks, you will wait for the declaration of dividends. In addition, the sums placed in a bank book offer a capital guarantee against a low remuneration while there may be a risk of loss of capital on the account in return for a possibility of capital gain (projects invested in shares) or more advantageous compensation offered by debt issuers. This is the reason why it is advisable to diversify your investments in order to reduce your risk. This advice also applies regardless of the class of financial assets in which you invest.

How can I keep track of my investments?

In addition to this, you need to know more about it.

When you log on to the platform, a dashboard allows you to monitor your investments and view your account balance in real time. You thus have access to a summary of each of your operations (amount invested, contract, etc.). For operations financed in the form of debt, you can also find out the financial conditions of the operation (rate, duration) as well as the amount you still have to receive in capital as well as interest and over what duration.

In the "My portfolio" section, you will find:

- Your available money that you can invest (1 Gourde in the case below)

- Your money already invested (7,000 USD in the case below)

- Your money blocked, i.e. waiting for the end of current collections (USD 2,762 in the case below)

At each maturity, for your operations in the form of debts, your repayments (capital + interest) will be credited directly to "Available money". A "My last repayments" graph provides an overview month by month of the principal and interest repaid.

Where can I consult the sums invested, the sums reimbursed and the sums still to be collected in my account?

In addition to this, you need to know more about it.

The "My activity indicators" section allows you to view in detail and by type of security, all the indicators linked to capital and gross interest.

In the category of debt securities: the amount invested corresponds to the sum of the outstanding capital and the reimbursed capital. Two indicators also make it possible to quickly visualize the interest already received and the remaining interest due. Finally, a financial report is available to find all the key indicators over a period of time.

In the category of equity securities: the amount invested is fixed unless there have been transfers.

How are my refunds paid to me?

In addition to this, you need to know more about it.

For projects financed in the form of debt, your repayments are paid directly to your account within our system. You then have the choice to reinvest the amount reimbursed in another project or simply to transfer this amount to your bank account. All installments are scheduled to be paid on the 15th of the month.

How can I follow the details of the movements that have occurred on my account?

In addition to this, you need to know more about it.

You can find the details of the movements in your account in the sub-section "My account statement" of the "My transactions" section of your dashboard

For each movement made, you can view on this page:

- Payments to your account

- Withdrawals from your account

- Refunds made

- Investments made

Your premium payments (welcome offer, sponsorship offer)

How can I find the details of my investments?

In addition to this, you need to know more about it.

You can find the details of your investments in the "My portfolio" subsection of the "My operations" section of your dashboard

For each operation performed, you can view on this page:

- The amount invested,

- The investment agreement (subscription form or loan contract).

For records financed in the form of debt, you will also find:

- The progression of reimbursement

- The capital already reimbursed (KDR)

- The outstanding capital (KRD)

- Gross interest remaining due (IDR)

- The duration of the investment

- The rate

How do I withdraw all or part of the available money from my account?

In addition to this, you need to know more about it.

You can withdraw money from your account in the "Add / Withdraw Money" section of your dashboard.

All you have to do is enter the amount and your password to make a transaction to your personal account. For withdrawals, the amount will be transferred to your bank account or to your credit card. For deposits, once verified that the deposit has been made to the Centre's bank account, your account within our system will be credited. If you wish to terminate your account or first check your details in our system, links are available on this page.

What happens if the business is in arrears with payment?

In addition to this, you need to know more about it.

For projects financed in the form of debt, if it turns out that the issuer is in arrears with payment, CAE-D'HAITI is responsible for immediately warning it to correct the delay. If this delay exceeds the due date provided for in the contract by 15 days, investors are also notified. Indeed, beyond 15 days of delay, the Issuer is required to automatically pay late interest which increases the financing rate by 1%. This sum is capitalized if the duration of the delay exceeds one year.

CAE-D'HAITI will react at the first signs of delay by contacting the Issuer to notify it of its delay and send it a formal notice if the delay in payment reaches 15 days. Beyond 30 days of delay, the total repayment of the balance of the debt will be due (default interest and possible collection costs). In addition, CAE-D'HAITI will judge the relevance of using their external collection service provider on a case-by-case basis.