Investor Presentaiton

Unique Value Proposition - Product, Underwriting & Collections Strategy FIVE STAR Business Finance Limited Customer centric model underpinned by calibrated sourcing and distribution strategy and robust underwriting and collections practices Customer centric business model = Product ☐ Term Loan with average tenure of 5-7 years ■ Interest rate range of 24%-26% Loans for business, asset creation and other economic purposes ☐ Fully secured by property, ~95% being SORP Comprehensive credit assessment and robust risk management ☑ Sourcing and Underwriting 100% in-house sourcing and processing with focus on service oriented business ■ Assessment based on 3 Cs (Character, Cash flow and Collateral) ■ Two levels of check each in business and in credit; conservative credit policies Assignment of co-applicants - Loans to the family and not individuals Well-diversified Presence Primary States: Tamil Nadu, AP, Telangana, Karnataka, Madhya Pradesh ■ Other States: Maharashtra, Chhattisgarh, UP ■ 352 branches; 6,731 employees Contiguous expansion. Cautious approach to newer states Note: 1. Based on settlement of over 4,000 90+ loans since April 1, 2018 Collections Strong on-ground collection infrastructure and supervisory follow up to cater to new to formal credit customer segment Relatively higher softer delinquencies; consistently low on 90+ DPD ■ <2% IRR loss on settled loans which were 90+ DPD on settlement¹ 9

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