Investor Presentaiton

High -RISK- Low Chola Enter a better life Vehicle Finance-Business Model & Positioning Tractor Industry Low Low Chola Position Large Farmer Captive Users / Prior Vehicles Medium Farmers Small & Marginal Farmers First Time Buyers First Time Users / Tenant Farmer Tractors only. In exceptional cases considering implements like power tillers & combine harvesters ~65% of disbursements are to agri -based customer segment Application - Agri usage Commercial usage Agri and Commercial usage New & Used Returns CE BETTER LIVES BETT Super Strategic Strategic Customer Captive Users/Prior Vehicles Medium Retail operator Small Retail Operator First Time Buyers First Time Users High High Focus on Backhoe Loaders, Excavators and Cranes ~69% of disbursements are to retail customer segment Application - Captive Hiring New & Used murugappa Industry Low Chola Position High 39 Returns

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