Investor Presentaiton

8 Robust Underwriting, Monitoring and Collections Process 100% In-House Sourcing Leveraging Technology Stringent Credit Underwriting • Lead Generation through Ref app, Cust app · Social media 198 Branches Digital Onboarding and KYC 0% Sourcing from DSA/Builders Credit verification app, property app and - legal app Optimal leverage of technology leading to efficient processing Robust Collection Management System Cash flow assessment Pre & Post Disbursement 15-24 months Monitoring early default signs Centralized Underwriting 90 DPD Legal action / SARFAESI APTUS™

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