Investor Presentation - Q1 FY23

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 75% of our book size. • Overall, ~90% loans have woman as borrower Primary applicant in 18% of AUM • + Atleast 1 woman co-borrower in 73% of AUM. Code of Conduct and Business Ethics Company has Code of Conduct for its employees which has operational guidelines. We have a code of conduct for our connectors : https://homefirstindia.com/policy/code-of-conduct- for-connector/ Continuous training and communication on Whistle Blower and POSH (Prevention of Sexual Harassment). Investor Presentation - Q1 FY23 Governance at core Corporate Governance Core competencies of Independent Directors directly relevant to company's operations. Diverse Board, Senior management employee base. Stable senior management team. and The Company has also adopted the following policies to ensure ethical, transparent and accountable conduct: i. Customer Grievance Policy (Link) ii. Code of Conduct for the Directors and Employees (Link) iii. Fair Practice Code (Link) iv. Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information (Link) v. Policy on Prevention of Sexual harassment Policy (Link) vi. Vigil Mechanism and Whistle blower (Link) vii. Know Your Customer (KYC) and Anti Money Laundering Measures Policy (Link) viii. Internal Guidelines on Corporate Governance (Link) 21 21 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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