AllianceFinance News

Issue 04 - 2016

Head Office & Branch Network

“Alliance House” 84, Ward Place, Colombo 7. Tel : 0112 673 673 Fax : 0112 697 205Web - www.alliancefinance.lk

www.facebook.com/afcplc/

Leasing Fixed Deposits Savings Business Loans Gold Loan Micro Finance Personal Loans Equipment Leasing

Ja Ela 0770 118574 | Negombo 0770 106464 | Kelaniya 0773 098744 | Gampaha 0777 287083 | Kadawatha 0777 699755 |

Ganemulla 0777 874489 | Kirindiwela 0772 442737 | Maharagama 0771 090099 | Horana 0773 501416 | Malabe 0770 118586

Kohuwala 0772 919016 | Vavuniya 0772 107338 | Kilinochchi 0771 090144 Jaffna 0771 090148 | Kurunegala 0773 157124

Kalpitiya 0772 107382 | Puttalam 0773 660910 | Chilaw 0771 058094 | Kuliyapitiya 0770 106466 | Trincomalee 0770 125666

Anuradhapura 0777 915982 | Parakramapura 0774 773725 | Galewela 0773 098752 | Dambulla 0773 959348

Kaduruwela 0770 106435 | Hingurakgoda 0777 224642 | Dehiattakandiya 0773 098750 | Batticaloa 0774 773680

Ampara 0773 047689 Kegalle 0771 090181 | Kandy 0773 660875 | Mahiyanganaya 0773 112209 | Rikillagaskada 0773 660880

Nuwara Eliya 0773 047149 | Monaragala 0770 106495 | Badulla 0773 098765 Aluthgama 0771 090120 | Matara 0773 660876

Embilipitiya 0770 106455 | Galle 0773 936170 | Rajagiriya 0771 090121 | Ambalantota 0770 125703 | Ratnapura 0773 243671

Avissawella 770106419 | Balangoda 0774 773653

Dear Customer,It gives me great pleasure to outline to you details of yet another year of successful operations of Alliance Finance Plc., From humble beginnings six decades ago with a staff strength of just five employees, today the Company has grown to become one of the most trusted and respected financial institu-tions in the country employing a diverse workforce of over 1,100 employees spread thought the country dedicated to providing innovative financial solutions to our customers. The year under review saw monumental changes taking place in the political landscape of the country with the election of a new executive president and the installation of a new govern-ment which brought about many changes in the fiscal policy of the country. Due to the increase in duties on vehicle imports and the introduction of the 70% ceiling in the loan to value ratio most companies in the NBFI sector have gradually migrated towards products such as mortgage loans, business loans and other types of financial products and services.Despite the many challenges faced during the past year I am happy to announce that the Profit Before Tax of the Company increased from Rs. 277 million the previous year to Rs. 553 million which is a significant growth of almost 100% whist the Profit After Tax more than doubled from Rs. 203 million to Rs. 415 million. The total disburse-ments increased by 56% from Rs. 10.4 billion in 2014/15 to Rs. 16.3 billion. The exceptional performance of the Company is as a result of significant improvements and restructuring of our marketing operations creating a more market oriented culture in the Company focused on superior service delivery of our product offering. Our micro finance SBU set up in 2013 in line with our sustainability initiatives performed modestly with a growth rate of 29% posting a profit of Rs. 3.24 billion up from Rs. 2.5 billion the previous year.

In recognition of his contribution to the marketing activities of the core business lines and growing the portfolio with better credit quality whilst improving the operational processes for efficient delivery of the product offerings, Dr. Ajith Medis was invited to join the board in August 2016. Dr. Medis holds a doctorate in strategy, MBA, BCom (special), a Diploma in Marketing (CIM UK) and he is also a certified manage-ment accountant. We are confident that his guidance would help the Company achieve excellence in all spheres of its marketing activities.

Performance of our subsidiary companiesAlfinco Insurance Brokers (Pvt) Ltd.,

The Company which acts as the agent and broker for the insurance business of AFC customers recorded another year of steady performance posting a profit of Rs. 16.7 million on a revenue of Rs. 31.9 million. The subsidiary played an active role in acquiring additional business from our customers in addition to the motor business. Looking ahead we believe that this approach would help to increase revenue from their portfolio. Macbertan (Pvt) Ltd.,Our associate company Macbertan (Pvt) Ltd., performed very well during the year posting a profit of Rs. 36 million up from Rs. 30 million the previous year. Macbertan formed a joint venture company with Pidlite International Plc of India recognized as one of the largest manufacturers of adhesives in Asia. Under this newly formed company a new manufacturing plant will be set up in the country offering a wider selection of complimentary products to the hardware sector utilizing our extensive dealer network. The success of the company is attributed to the excellent product mix of the company which also includes roofing products manufactured by a new production plant and we are optimistic that the profits of the compa-ny will continue to grow in the coming years as well.

It also gives me great pride to inform you that AFC reached an important milestone by obtaining two lines of foreign funding, one from the Commer-cial Bank PLC Bangladesh and the other from Triodos Bank of the Netherlands. The Triodos bank which was voted as the world’s most sustainable bank invests globally in companies that achieve a best-in-class combination of social, environmental and economic performance. The fact that AFC was able to meet such exacting standards in its sustainability initiative speaks volumes of the international standards that we at AFC have achieved in terms of our social, environmental and governance aspects. Both facilities were obtained under the relaxed exchange control program offered through the external borrowing scheme introduced by the Central Bank of Sri Lanka. As one of the pioneering financial institutions in Sri Lanka to embrace the Triple Bottom Line philosophy the Company strives to make a positive impact on the environment and society at large. A few noteworthy initiatives carried during the year include a research on reducing emissions from three wheelers in partnership with Vialle of the Netherlands, a leading LPG gas technology specialist in Europe. AFC was also involved in the one million trees project organized by the Rotary Club of Sri Lanka and through this project we hope to fulfil our pledge for the “Tree for a Lease” initiative of the Company. The Company was successful in planting 14,000 trees in relation to the 13,550 leases given out during the period. In response to the Earth Hour

initiative, in cooperation with the Colombo municipal Council the Compa-ny engaged in an awareness walk and donated 500 LED bulbs for the illumina-tion of the ViharaMaha Devi Park. Under the “AFC Green Pledge” the Company also took steps to reduce the energy consumption by 5% by the end of the 2016/17 financial year.Further, in keeping with our sustainabili-ty initiatives our Micro Finance SBU extended its services to the less privileged segment in our society through the Entrepreneur Development Services program, providing them the much needed funds and technical know-how helping them take their businesses to greater heights and improving their livelihoods. Finally as yet another successful year draws to a close I wish to convey my sincere appreciation to our independent Non-Executive Chairman and the board of directors of the Company for their astute guidance, all our service provid-ers for their unstinted support, our most important resource; our staff for their dedicated and untiring service and you our customer without whom we would not have existed for 60 long and successful years. As we look forward to another challeng-ing year ahead I am confident that we at AFC will continue is its quest to offer you superior financial services whilst balancing its position as one of Sri Lanka’s most respected and sustainable NBFIs.

Romani de SilvaDeputy Chairman / Managing Director

Happy reading!Yours sincerely

RATING REAFFIRMED Fitch Ratings Lanka has assigned Alliance Finance a National Long-Term Rating of 'BB+(lka)' with a Stable Outlook.

When founding its newest SBU (Strategic Business Unit), AFC Micro Finance in 2013 Mr.Andrew Samuel, who heads the unithad a challenge on his hands to rewrite the concept of Micro Finance, with the essence of humanity. Two years down the line AFC Micro Finance has indeed changed the lives of the people it touches,most of whom are mainly very low or no income earners by providing them with sustainable livelihoods, setting a benchmark in the microfinance industry.Like protecting a seed which one plants, until it is fully grownin to a strong tree the pioneering initiative of AFC Micro Finance in the entire industry of Micro Financing ensures that it not only provides credit to an otherwise ignored part of the society who are not considered credit worthy by a majority of financial institutions in the banking and the non-banking sectors, it also ensures that the credit provided to them is used for sustainable growth and financial independence

through its tailor-made entrepre-neur development services (EDS).Having come a long way from its inception AFC Micro finance boasts of a portfolio of over Rs.1.5 Bn with over 46 branches located island wide serving over 80,000 custom-ers across 25 districts. From North to the South to East to the West. The SBU which is safely protected under the AFC umbrella is geared to serve its people in any part of the country including the war torn North and East. Armed with a talented lot of individuals who are mostly bilingual, speaking to the heart and the minds of the people they serve is not a challenge for them.The SBU now proudly offers its valued customers eight different ‘Micro’ products tailored to fit their needs.While Micro group based loan scheme,Advanced Micro Finance loan product, SME loan, Micro Leasing ,Micro personal loan, Micro Pawning and Plantation loans and Institutional loans consists of the eight products offered by AFC

Micro Finance at present, the team continuously work on studying the market to further develop their products or tailor make new ones for their valued clientele.Recently having being recognized for its achievements AFC Micro Finance was awarded a β+ (Beta Plus) rating with a positive outlook from Micro Credit Ratings Interna-tional (M-CRIL). Being a pioneer in its industry it is no great surprise that AFC Micro Finance is also the first Micro Finance Company in the Nation’s NBFL sector to have received such an accolade within a short time span of two years.While Congratulating the Head of Micro Finance and his team for an excellent performance driven two years, the Deputy Chairman and Managing Director Mr. Romani De Silva stated that ‘AFC Microfinance has set the benchmark for the Microfinance Industry’ he further stated that he takes pride in the fact that AFC Micro Finance serves the underserved and strengthens the

weak thus uplifting the dreariest parts of the community and contrib-uting positively to the country’s development.The Head of Micro Finance and Chief ContinuousImprovement Officer of Alliance Finance Mr.An-drew Samuel,while thanking Chairman, Deputy Chairman/Man-aging Director Mr. Romani De Silva and the board of Directors, stated that he was indeed blessed to have the best of Micro Finance staff, with whom making the waves they had in this short time span of two years was possible.He stated that his wish was to see the Micro Finance Industry grow in to one that was driven with humani-ty with a genuine want to serve the people. He stated that he was humbly proud of the fact that AFC Micro Finance within this short two year time span has proved that “it is possible to do business with the heart and still earn dividends that can be justified on a balance sheet”.

Page 2 - Issue 03 - July 2015

AFC MICROFINANCE CELEBRATES ITS 2ND YEAR ANNIVERSARYFounded back in 1956 Alliance Finance Co PLC (AFC) has proved itself by establishing and maintaining an ethical business model for over 5 decades. Guided by its prudent financial management through the triple bottom line principles, AFC stands tall and prominent in the finance industry making a significant contribution to the industry and the country.

AFC MICROFINANCEANNUAL STAFF GET-TOGETHER

MICRO FINANCE

Alliance Micro Finance held their annual staff get-together on the 9th April 2016, with a day out at the Adventure Base Camp, Kitulga-la, which is an outbound training camp run by ex-military personnel, where the emphasis is on team building exercises. 250 staff of Micro Finance participated in this event. The morning session comprised of ground activities, which included team and trust building games to develop team work and leadership qualities amongst the participants. The most thrilling part of the day was White Water Rafting down the Kelani River, which for many of the MF staff, was a first.After a scrumptious lunch and some down time, the evening session kicked off with a presenta-tion by the Trainers and the announcement of the best partici-pating team of the day. This was followed by a presentation made

by the Head of Micro Finance, Mr. Andrew Samuel. Deputy Chairman/Managing DirectorMr. Romani De Silva sent a messages wishing everyone for the Sinhala and Tamil New Year.The evening concluded with a camp fire dinner, a fashion show and fireworks display, followed by a live band and fellowship, a day which was filled with friendship and camaraderie.

ALLIANCE FINANCE NURTURES ANDINSPIRES SPORTS AMBASSADORS TO SHINE FOR SLAce shuttler Sachin Dias and swimmer Akalanka Peiris, the brand ambassadors for Sri Lanka’s third oldest finance company Alliance Finance Co. PLC, have both recorded exceptional wins during their respective seasons this year. Having identified sports stars with talent and the aspiration to reach the top, Alliance Finance Co. PLC has been supporting these two young stars to rise up and shine for Sri Lanka.

Hailing from St. Sebastian’s College, Moratuwa, Sachin emerged as the Champion of the Open Badminton, Singles event at the National Sports Festival 2013 organised by the Sri Lanka Badminton Association (SLBA). He also won a Gold medal at the 2013 Li-Ning Australian Junior International championship, under the sponsorship of Alliance Finance. Sachin is considered a strong contender to represent the country at the 2020 Olympics as well.

Meanwhile, Akalanka Peiris was crowned the most outstanding swimmers of the All Island National Swimming Championship which was held at the Sugathadasa Stadium recently. Representing St Peter’s swimmers who created history by emerging overall champions in the tournament, Akalanka was also part of the team that bagged the first major title for the first time in the history of the school since they took to the sport

in the year 1991.Akalanka has been one of their top notch swimmers in the Under 15 category having bagged many titles and also the best swimmers awards in various other swimming meets.The talent-ed swimmer has the potential to become a top class swimmer in the future and has also secured top spots at the annual Public Schools Swimming Meet this year.

Commenting on the significant achievements of these sports stars Deputy Chairman and Managing Director of Alliance Finance Co. PLC Romani de Silva notes, “The sponsorship of these promising sportsmen is another example of corporate stewardship by Alliance Finance in its role as a triple bottom line-focused business organisation. Sponsoring promising and deserv-ing Sri Lankan sportsmen such as Sachin Dias and Akalanka Peiris and helping them realize their dreams are a key social responsible initiative for our company.”

Alliance Finance Co. PLC will contin-ue to provide both stars with financial assistance in order to enable them to pursue national and international goals.The sponsorship package offered by the company covers education, training, nutrition, medical requirements and expenses related to participation in national and international tourna-ments.

A STRATEGIC CREDIT LINE TO ALLIANCE FINANCE

Global pioneer of sustainable banking Triodos Microfinance Fund and Triodos Fair Share Fund have recently provided a joint credit line to Alliance Finance Company PLC (CSE: ALLI) in order to further strengthen its contribution to a broader impact through SME financing and microfinance in Sri Lanka.

Triodos Bank, a development finance institution in Europe rather than extend-ing a regular funding line has recognised the core values of Alliance Finance Company, the common similarities between the two establishments along with the long-term sustainability to provide the credit line. Both companies closely follow the triple bottom-line which has enabled this connection.

“Triodos Bank is one of the world’s leading banks which is in the forefront of developing the “ Global Alliance for Banking on sustainable values (GABV)”, an international network of sustainable banks who seekto integrate a value based mission and strategy. Triodos and Alliance Finance share in common long-term aspirations; we have embod-ied the triple bottom-line concept in our businesses and in our processors during the last couple of years. This year 3% of our profits go back to the communities

we are operating in. All employees have a stake in these projects.

SME and microfinance expansion is the focus right now and we see the need in the country for balancing the develop-ment. As a corporate citizen, we have a responsible role to play especially with a focus extended outside the Western Province.

So, to start with by taking a different turn Alliance Finance Company has come out with a moderate program of providing environmental friendly three-wheelers to those who are below the poverty line. We have pioneered a gas conversion kit for three-wheelers. The conversion will increase the efficiency and bring down the emissions. Last three years we were involved in this project jointly with a Dutch company. An MoU was signed. Dutch Government granted us EUR200,000 for the feasibility study. We need this kind of support for such projects, which are very ambitious, far-flung, and long term. We see possibilities in manufacturing this kit locally to bring down the conversion prices. It will reduce the carbon foot print of Sri Lanka and a big milestone for us.

The management and the members of the AFC staff came forward to help to the our own employees and general public affected by recent flood. The company granted financial assistance to all the affected employees. Further , Managing Director and other senior management team members along with AFC staff members contributed to raise a fund to assist flood relief effort to give helping hand to the

needy people. We distributed Rs. 159,895.50 worth of dry food, Medicine , Hygiene products , cloths and baby products joined hands with “Manusath Derana” flood relief programme. Further , donated Rs. 190,141.16 worth of pair of shoes and stationary items to the students from flood affected families of Gothatuwa Maha Vidya-laya.

FLOOD RELIEF EFFORTS - APPEAL TO AFC STAFF MEMBERS

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FIRST EVER “AFC MOTORBIKE SHOW 2016” THRILLS COLOMBO CROWDS

The first-ever “AFC Motorbike Show 2016” which was organized by Alliance Finance Company PLC which took place on the 14th and 15th of May 2016 at Green Path drew many crowds of biking enthu-siasts to witness the thrilling events spread throughout two days. The opening ceremony which was held on Saturday morning was graced by former cricketing greats Aravinda De Silva and Chaminda Vaas who were accompanied by Romani De Silva Deputy Chairman/Managing Director and Ajith Medis Board Consultant of Alliance Finance Company PLC

The first of its kind show which was held under the theme “The World of Biking Under One Roof”, included a variety of vehicle displays from reputed dealers and distributors, classic motorbikes, lubricants companies, motor insurance companies, spare parts, tires, batteries and a number of stalls in motor related areas.

The success of the first ever motor-bike show in Sri Lanka is a clear indication of the growing enthusi-asm for motorbikes and related sports in the country. Alliance Finance Company PLC is proud to have enhanced this enthusiasm through this show and is now poised to become a significant player in the world of bikes. There is no doubt that this grand event will be one of the most thrilling events in the motor calendar in the coming years.

The next mega show, “AFC Motor-bike Show 2017” is planned to be held in early 2017. Outlines of the show and dates will be announced by January next year.

MOTORBIKE SHOW - 2016THE WORLD OF BIKES UNDER ONE ROOF

Powered by Alliance Finance Co. PLC

ALLIANCE FINANCE 2W / 3W PROMOTIONS

E A R T H H O U R

Alliance Finance, a leading non-banking financial institution, has yet pledged again to take the Earth Hour beyond 60 minutes by engaging in a unique and innova-tive project with Colombo Munici-pal Council.

As a part of this unique contribution to the effort of uniting millions of citizens for climate action, Alliance Finance Co. PLC (AFC) on 19 March 2016 at 8:30 pm, extended their support to the Earth Hour cause, staying true to their green pledge by donating energy-efficient LED Bulbs to light up theViharaMaha Devi Park in Colombo.

In keeping with their focus as a

triple bottom line (People, Planet and Profit) financial institution, the board of directors with the senior management and staff took the step of making their personal pledges at this event,to engage in activities that manage consumption of energy and other non-renewable resources.

The company’s environmental sustainability sphere also encom-passes the very nature of Alliance Finance’s product offering by contributing to the well-being of the planet by promoting environ-mental friendly transport solutions that consumes less energy whilst simultaneously reducing harmful emissions.

AFC CELEBRATES EARTH HOUR AT TOWN HALL

AN OPPORTUNITY TO SECURE A REGULAR INCOME WHILE MULTIPLYING YOUR CAPITALSRI LANKA’S FIRST DUAL RETURN INVESTMENT PLAN FROM GUARDIAN ACUITY AND ALLIANCE FINANCE

“Alpha plus”, Sri Lanka’s first dual return investment plan is available to investors as a result of a partner-ship between Alliance Finance PLC and Guardian Acuity Asset Manage-ment (GAAM), a leading Unit Trust Management Company which is part of Carson Cumberbatch PLC, HNB and DFCC banks.

Alpha Plus is a dual return invest-ment plan, where plan funds are invested in both Fixed Deposits and in Equity, thereby giving you exposure to returns of two asset classes, with a single investment. The recommended mix of invest-ment being 70% in Fixed Deposits and 30% in Equity.

A dual return enables the investor to benefit from both fixed deposits as well as equity funds as the fund invests in both fixed deposits and equity, hence the return to investors will stem from these two sources, making it a dual return investment plan.

When an investor invests money in the Alpha Plus plan, a Fixed Depos-its will be opened with Alliance Finance with a portion of the money and the balance will be allocated towards the “Guardian Acuity Equity Fund”, which will be

managed by a specialized fund manager.

The recommended investment plan is to invest a minimum of Rs 2.5 million for a period of three years, with an investment mix of fixed income of 70% and equity 30 % . However although this is the recom-mended mix, the plan is flexible to suit your individual risk/return profile. Alpha Plus was initiated with the objective to create an opportunity for customers to yield a better return for their investments in the capital market in line with Alliance Finance triple bottom line concept.

The benefits of investing in ‘Alpha Plus’ include a potential higher return, stemming from attractive FD Rates (based on rates offered for AFC deposits) and Equity returns (based on performance of GAAM equity unit trust portfolio), while your investment will be in the hands of skilled professionals who have a long term proven track record to their credit . Investors will also have the opportunity to diversify their investment portfolio, while having a hassle free invest-ment experience with regular updates on returns, as well as a tax efficient investment given that Unit Trust returns are tax free, as well as the opportunity to diversify one’s investment portfolio. The fixed deposit can be used as a source of income with interest withdrawals or

the interest can retained along with the equity investment to add to capital appreciation.

‘Alpha Plus’ is open to both corpo-rates and individuals who seek a long term exposure to the equity markets while at the same time enjoy a guaranteed long term fixed deposit return. While we recom-mend that investors stay invested for the entire period to earn the maximum benefit from the equity investments, investors always have the options for early withdrawals from both the FD and the equity investment in case they have an unforeseen cash requirement. Incorporated in 1956, Alliance Finance is built on the fundamental values of trust and integrity with ashared vision to foster growth. As a long serving provider of trusted financial services in the country, offering optimal investment

solutions to their valued customers has always been a top priority of AFC while the company has focused equally on People, Planet and Profit, committing the company towards the concept of triple bottom line.

Guardian Acuity Asset Management (GAAM), is a leading Unit Trust Management Company accredited by the Securities and Exchange Commission of Sri Lanka. Guardian Acuity Asset Management is a joint venture between Ceylon Guardian Investment Trust PLC (a subsidiary of Carson Cumberbatch PLC) and Acuity partners (Pvt) Ltd. (a joint venture between HNB and DFCC Banks).

The investment processes is made easy with the product available in select branches of Alliance Finance and investors cans also contact their relevant relationship manager.

CORPORATE CONCIERGE SERVICE

Cakes and Bakery Food & Restaurant Jewellery Itemst Hampers

Flowers for all ocations

Fruit Baskets

Kapruka | Bread Talk | Galadari

GMC | Fab | Hilton | Cinnamon

Kingsbury | Mahaweli Reach

Topaz

Pissa Hut | Chinese Dragon Cafe

Dinemore | Amrith | Shanmugas

P & S | Eastern Dragon | Harpos

Jack tree | UK | KFC

AFC customers can avail themselves the convenience of hassle-free benefits of customized personal and corporate gifting. All you need to do is call our hotline (0773098783), tell us your require-ment and we will take care of the rest.

This is a new value addition to AFC’s service portfolio aimed at providing truly personalised services to our loyal deposits and Leasing custom-ers.We have currently partnered with the below mentioned service provider, with more reputed suppli-ers coming on board in the near future. Our mission is to go above and beyond our Clients’ expecta-tions and we are committed to the belief that quality matters and will never stop striving for perfection.

CENTRAL HOSPITALThe Central Hospital is one of the most technologically advanced medical facilities on the island. They offer services of international healthcare standards.It is a one stop medical centre that offers all diagnostic, therapeutic and intensive care facilities and all treatments are carried out by experienced and highly qualified consultant specialists.

A dedicated point of contact for payments on credit will be made available for AFC clients needing any kind of medical attention.

GIFTINGSpecializing in weddings, gifting, events and retail services, through long standing supplier in the industry.Our Concierge support services offer the benefit of a Personal Assistant without the full-time commitment, providing relief from everyday errands and seamlessly become a part of your life.

For more in-depth information, please email us on (privilege@alliancefinance.lk) or call us on (0773098783) our 24-hour Concierge is always close at hand to assist you gladly.

‘Making your life easier and giving you more time to focus on the important things in life’

Vogue | Alankara | Swarovski

Stone n String | Ceyital

Mallika Hemachandra | Arthur

Watches

NEED TO BUY A VEHICLE? Call our personalized special service on 0779 666 111we are dedicated to assist you to fulfill your dream vehicle.

Get unmatched discounts

from island wide merchants !!Get unmatched discounts

from island wide merchants !!

HOTLINE - 0773 098783Tel : 0112 673 673 | E-Mail - privilege@alliancefinance.lk

www.catchme.lkONLINE DISCOUNT

CONCIERGE SERVICEThis personalized service with exclusive discounts and benefits is offered free of charge and is optional.

HOW TO GET THIS SERVICE?

Get registered by signing the agreement which can be collected at any of our branch. Or, If you need it by an email or post call Alliance Finance Concierge Service hotline - 0773 098 783.

NEED TO BUY A VEHICLE? Call our personalized special service on 0779 666 111we are dedicated to assist you to fulfill your dream vehicle.

HOW DOES THIS WORK?

All inquiries and requirements should be made to Alliance Finance Concierge Service hotline - 0773098783.

All transactions will be managed to the agreed payment mode, which saves you from the worry and hassle of managing payments and giving out your credit card details.

Once the order is made through a call AFC makes sure it is delivered on time and the payment can be settled within a month.

www.alliancefinance.lk

ALLIANCE FINANCE RE-LAUNCHED WEB SITE