Investor Presentaiton

Strategic Technology Focus Robust investments in technology to efficiently manage the lending process, increase productivity and decrease costs Augmentation of team for next level of development Manual underwriting process with minimal technology involvement Manual underwriting System based underwriting through ERP solution 3 ☐ ☐ FIVE STAR Business Finance Limited Significant investments in technology over the last 5 years Moved to FinnOne Neo (ERP solution) with automated workflow and rule engine configuration Moved to a completely paperless underwriting model with all data available on cloud ■ Augmentation of team - 30 IT personnel as on date Hired Vanamali Sridharan as CTO Hired Head of Engineering and Data Sciences to manage the proposed tech developments Ongoing Investments to help build a scalable and efficient model... ...to lead to a reduction in turnaround time from login to loan sanction Utilizing technology for processing of loan applications and analysing credit risks API infrastructure to leverage strengths of third party service providers / fintechs Faster decision making Data analytics and machine learning Robust customer credit scoring model Better customer service and engagement and faster turnaround time 11

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