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Investor Presentaiton

Appendix 3 - Proven credit approval, monitoring & collections process Unique features of Singer credit model: 1. Branch managers are commission only S 4. Advance payments by customers 2. Branch manager responsible for uncollectible accounts 3. Collection bonus system 5. 6. Branch manager can pay on behalf of customer Security deposit Credit Life Cycle: a systematic step-by-step approach to managing the credit process Approval process Customer Credit Department / Call Center Arrears Follow up Delinquency Letter Blacklist Monitoring Credit Application, Collections Photo and Identification Card Two Guarantors Point Scoring Multiple Payment Points Account Checker / Internal Audit Promise-To-Pay System Repossession Security deposit as at 31 December 2018 totals BDT 235m Execute Credit Agreement and Welcome Call Background Checks And Physical Visits Legal Recourse / Security Deposit Offset Monthly Performance Assessment: • Credit Dashboards • Balanced Scorecards • VIP Clubs 22
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