Investor Presentaiton

Strong Governance Structure Work Sustainably & Ethically Sustainable Finance We promote Financial Inclusion. We have customers belonging to EWS and LIG categories which account for more than 72% of our book size. • Overall, 91% loans have woman as borrower Primary applicant in 17% of AUM • + Atleast 1 woman co-borrower in 74% of AUM. Code of Conduct and Business Ethics Company has Code of Conduct for its employees which has operational guidelines. Link We have a code of conduct for our connectors Link Continuous training and communication on Whistle Blower and POSH (Prevention of Sexual Harassment). Investor Presentation - Q2 FY23 • Governance at core Corporate Governance Core competencies of Independent Directors directly relevant to company's operations. Diverse Board, Senior management and employee base. The Company has also adopted the following policies to ensure ethical, transparent and accountable conduct: Customer Grievance Policy (Link) Code of Conduct for the Board of Directors and Senior Management Personnel (Link) Fair Practice Code (Link) Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information (Link) Policy on Prevention of Sexual harassment (Link) Vigil Mechanism and Whistle blower (Link) Know Your Customer (KYC) and Anti Money Laundering Measures Policy (Link) Internal Guidelines on Corporate Governance (Link) 21 227 Separate Chairman & Managing Director position Experienced Board & Management with diversified expertise across Technology, Financial Inclusion & Risk Management 7 of 8 Directors are non-executive 4 of 8 Independent Directors 2 of 8 Woman Directors homefirst We'll take you home

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