Graceful is helping older Americans age gracefully in their homes. Graceful transitions older Americans $11 trillion home wealth into retirement income, without putting them at risk of losing their homes and provides services to help your loved ones age in placeOn the back end, the platform provides institutional investors access to long-duration, inflation-linked income sources backed by prime real estate.

www.annafrankowska.com Anna works as a consultant for startups, scale-ups, institutions and corporates. Some of her previous clients include: Aventus Network, VereNFT, Pigzbe, Satoshi Point, Coinweb, Bare, Spirited, several portfolio companies of VCs Founder and Advisor to Distributed Academy - a provider of blockchain training and education and seeks to drive blockchain literacy and adoption and solve the developer bottleneck crisis in the industry.Startup and Scale-up consultancy: Anna is a T shaped entrepreneur and consultant with extensive experience working across various sectors and models from fintech, education and entertainment to marketplaces, SaaS and B2C technologies. She combines deep technical product expertise with a highly commercial mindset and financial skillset which enables her to effectively and sustainably grow products, market share, client bases and teams. Institutions: Anna is a highly skilled product innovator, with access to a large network of startups and scale-ups. She leverages this to help institutions discover great start-ups, develop innovative solutions and scale products and processes, improve productivity and streamline operations. She helps to generate new ideas and products, new business models, and new relationships that enable organisations to transform, and also helps provide tools and knowhow to address their most pressing current and future challenges and opportunities. Anna helps to collaborate and experiment with tech providers and service partners and align growth agendas. Some industries she has worked in (eg blockchain advisory under NDA) include: Insurance industry, Healthcare industry, Financial Services, Real Estate, Supply Chain

Nightset is a global SaaS platform for venue owners (bars, lounges, clubs, pubs) with social networking aspects. We are transforming digitally the underserved multi billion worth nightlife sector by creating an end-to-end platform for the entire market connecting consumers, venues and brands.____Extremely honoured and thrilled to become a member of Forbes 30 Under 30 Europe Class of 2017 http://www.forbes.com/profile/anna-frankowska/____On Nightset (Party Hype) and Seed Funding: http://realbusiness.co.uk/black-cab-entrepreneurs/2016/12/21/social-butterfly-left-investment-banking-cause-party-hype/http://techcitynews.com/2016/11/24/party-hype-gets-500000-seed-funding/http://startups.co.uk/nightlife-app-party-hype-launches-bacardi-investor/http://www.bqlive.co.uk/2016/11/24/app-shines-a-spotlight-on-londons-best-parties/https://bdaily.co.uk/technology/24-11-2016/entrepreneurial-siblings-launch-nightlife-app-following-500k-seed-funding/____Bio: http://www.huffingtonpost.co.uk/author/anna-frankowska____On the nightlife industry:http://www.huffingtonpost.co.uk/anna-frankowska/party-political_b_13174972.html

Analyst on a rotation programme in Markets and International Banking across:1. Portfolio Management & Structured Trade Finance (1 year) and2. Real Estate Restructuring (1 year)International Banking, Capital and Portfolio Management, Portfolio Management •Collaborated closely with Relationship Managers covering EMEA: CRH, GIG, TMT, E&R to optimise clients’ ROEs and ensure efficient deployment of capital, advising on deal modeling with respect to pricing, utilisation, cross-sell opportunities and risk recognition •Reviewed and signed off approximately 5 deals a week with a minimum quantum of GBP 30m prior to escalating to seniors•Took ownership of the deal approval process, organising and minuting Capital Allocation Committee meetings 3 times a week, involving seniors from Debt Capital Markets, FX, Rates, Transaction Services, Coverage and Portfolio representatives •Liaised with the Loan Portfolio Mitigation team to establish liquidity of proposals, secondary market appetite and CDS hedging cost Financial Training•CFA Level I Candidate •Successfully completed training provided by Adkins Matchett and Toy covering Business Analysis, Building a Model, Valuation of the Busienss, Deal Financing, Acquisition Financing, Debt Restructuring, Transactions Services and Financial Institutions •Successfully completed training on Regulations, Securities and Derivatives, earning CISI certificate

International Banking, Capital and Portfolio Management, Trade Asset Management•Assisted in portfolio risk mitigation through ascertaining liquidity in the secondary market, selling risk on trade products to financial institutions where opportunities arose and liaising with brokers to determine insurers’ appetite for RBS’ trade assets •Renewed the desk’s relationship with development banks via individual meetings and calls, thus expanded risk mitigation channels•Coordinated legal advisors and brokers to execute 11 non-disclosure agreements Capital Markets, Financial Institutions Group, Structured Finance •Developed knowledge of Structured Finance by writing deal summaries, assisting in the creation of pitch books and sourcing data from Bloomberg and rating agencies’ reports •Analysed extensive 300 deal CDO portfolio, consisting of 2500 bonds, evaluating summary statistics and identifying important legal wording within the prospectuses of the underlying securities•Shadowed other FIG teams including Hybrids, Bonds, Ratings, Insurance, DCM, and Coverage

Corporate Banking, Credit Team, Gold Clients•Strengthened technical skills through in-depth analysis of clients’ financial statements and conducting peer comparisons •Enhanced critical thinking through analysis of industry trends, key success factors, major risks and market outlook•Mastered clear communication skills through preparing weekly summaries of current market affairs