Investor Presentaiton

Strong ESG Focus Social Impact achieved through... Branch Presence Customers ignored by banks/larger Fls . Lending for business purposes • Significant branch presence in Tier 3 to Tier 6 towns . Low income borrowers . Customers with strong incomes from everyday services but lacking the documentary evidence of such incomes Fully Collateralised loan Predominant portion of lending towards business purposes (income generation) Displace unorganised institutions (money lenders) – First time borrowers to formal lending - Tier 6 - Population < 50K; Tier 5 - Population 50K - 1L; Tier 4 - Population 1 - 2L; Tier 3 - Population 2 - 10L; Tier 2 - Population 10 - 50L; Tier 1 - Population >50L FIVE STAR Business Finance Limited Significant Branch presence in Tier 3 to Tier 6 towns - semi-urban and fast-growing rural geographies 1% 2% 13% 23% 38% 22% ■ Tier1 ■ Tier2 ■ Tier3 ■ Tier4 ■ Tier5 ■ Tier6 15

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