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<p style="text-align: center;"><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 14pt;"><strong>Incentive Policy</strong></span></p>
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<p style="text-align: justify;"><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>Purpose</strong><span style="font-weight: 400;">:&nbsp;</span></span></p>
<p style="text-align: justify;"><span style="font-weight: 400; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">The policy aims to establish guidelines related to performance based remuneration which will be used by the Company to reward employees who significantly contribute to the results and perform according to expectations.</span></p>
<p style="text-align: justify;"><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>Scope</strong><span style="font-weight: 400;">:&nbsp;</span></span></p>
<p style="text-align: justify;"><span style="font-weight: 400; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">The policy covers employees from all levels i.e. collectors, team managers and floor managers.</span></p>
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<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">Incentive: payments made when the targets set at the beginning of the performance cycle are met or exceeded.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">Company can reverse the incentive for any settlement for which collections are not received or payment credit is rejected by the client.</span></li>
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<p style="text-align: justify;"><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>Incentive Plan:</strong><span style="font-weight: 400;">&nbsp;&nbsp;</span></span></p>
<p style="text-align: justify;"><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><span style="font-weight: 400;">The Company offers incentive plans based on pre-set financial targets where both what needs to be accomplished and what the employee receives in return for accomplishing it are well defined and communicated. </span><span style="font-weight: 400;">Incentives for the most part are based on receiving sign confirmations on valid files and payments on invalid files. We offer daily, weekly and monthly incentives using the same criteria for collectors, team managers and floor managers.</span></span></p>
<p style="text-align: justify;"><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>Incentive Reversal:</strong></span></p>
<p style="text-align: justify;"><span style="font-weight: 400; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">We can reverse the incentive for any settlement for which collections are not received or payment credit is rejected by the client.</span></p>
<p style="text-align: justify;"><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>Confidentiality:&nbsp;</strong></span></p>
<p style="text-align: justify;"><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><span style="font-weight: 400;">It is of key importance that employees refrain from discussing their salaries, incentives, bonuses, </span><span style="font-weight: 400;">or</span><span style="font-weight: 400;"> any other compensation matter with colleagues at work. Compensation is a highly confidential </span><span style="font-weight: 400;">matter</span><span style="font-weight: 400;"> and is not to be discussed with anyone, except those in the company who are authorized </span><span style="font-weight: 400;">to</span><span style="font-weight: 400;"> know these details.</span></span></p>
<p style="text-align: justify;"><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>Policy Amendment:</strong><span style="font-weight: 400;">&nbsp;&nbsp;</span></span></p>
<p style="text-align: justify;"><span style="font-weight: 400; font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;">The company reserves the right to amend any clause in this policy as per the requirement.</span></p>
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<p><br /><span style="font-family: tahoma, arial, helvetica, sans-serif; font-size: 10pt;"><strong>HR-IC-06</strong></span></p>