Investor Presentaiton

Asset Under Management - Credit Quality CELLENCE THROUGH ES MAS FINANCIAL SERVICES LTD. The Power of Distribution 8.00% ASSET UNDER MANAGEMENT- DPD 6.00% 0.68% 0.86% 0.49% 0.38% 0.49% 0.72% 0.89% 0.58% 1.22% 0.59% 1.14% 0.63% 0.91% 0.71% 4.00% 0.65% 1.52% 1.23% 1.11% 1.41% 0.98% 2.00% 2.79% 2.86% 2.97% 2.41% 2.38% 0.00% Mar-15 Mar-16 Mar-17 Sept-16 Sept-17 ■1 - 30 DPD 31 - 60 DPD 61 - 90 DPD 91-120 DPD > 120 DPD SLIDE: 22

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