This has reference to the circular NHB(ND)/DRS/POL.16/2006 dated September 5, 2006, and
NHB(ND)/DRS/REG/MC-03/2016 dated July 1, 2017 wherein the National Housing Board had revised
the guidelines on Fair Practices Code for Housing Finance Companies to implement the same.
The Fair Practices Code, as mentioned herein below, is in conformity with these Guidelines on Fair
Practices Code for HFC's as contained in the aforesaid NHB Circular. This sets minimum standards for
the Company to follow when dealing with customers. It provides information to customers and explains
how the Company is expected to deal with them on a day to day basis.