APTUS Key Growth Strategies and Historical Overview

Robust Underwriting, Monitoring and Collections Process APTUSⓇ 12 100% In-House Sourcing Leveraging Technology Stringent Credit Underwriting Robust Collection Management System • Lead Generation through Cust app,Ref app • Social media •> 231 Branches Digital Onboarding and KYC Cash flow assessment Pre & Post Disbursement 15-24 months Monitoring early default signs 0% Sourcing from DSA/Builders Credit verification app, property app and legal app - Optimal leverage of technology leading to efficient processing Centralized Underwriting 90 DPD Legal action / SARFAESI APTUS™

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