Investor Presentaiton

2. Hybrid Dual Credit Instant in-principal approval by automated credit decisioning system with no manual intervention at client doorstep. Final approval subject to positive physical verification of cash flow and disposable income Capital Trust Disbursement QR Code Scanning of Aadhaar By Field Team Automatic uploading of client data into system. Location geo- tagged and case rejected if client residence is beyond 20kms from branch Automated Credit Bureau Check Link-up with Equifax to review past credit history. Hard rejection in case of negative credit bureau history Physical Verification by Field Credit Team Ground level authentication by physical verification of home, business and income. All details uploaded into app Algorithmic Credit Rule Engine & Physical Visit Engine Automatic rejection in case of any deviation from prescribed credit policies Telephonic Verification by HO Credit Team Verification of documents uploaded into system and re-assessment of cash flow of client during call No exceptions or manual intervention permitted 26 Decision communication flow and all processes are automated Technology used at all stages of loan cycle eliminating requirement of physical movement of documents • All processes time stamped and tracking of cases available on live basis

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