Investor Presentaiton

Retail Spend Insights Online Retail Spend % 56.1% 43.0% 44.9% 44.2% 36.6% Spends Categories Category 1 Departmental Stores, Fuel, Health, Utilities, Education & Direct Marketing Category 2 % Growth Online 23% OSBI card % Growth Point of Sale 32% Consumer durables, Apparel, Jewellery 21% 41% & Restaurant FY17 FY18 FY19 FY20 Q1 FY21 Category 3 Travel agents, Hotels, Airline & Railways % growth of Jun'20 over average of Dec'19 to Feb'20 78% ▼ 85% 9

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