DISCLOSURES UNDER REG. 46 & 62 OF THE LODR

Mr. Anil Kaul is former Managing Director, TATA Capital Housing Finance Ltd. He brings with him rich experience of working in Banking and Finance industries for more than three decades. He worked with ICICI Group for more than two decades including in Rural & Inclusive Banking Group, Future Capital Holdings Ltd., Bank Muscat SAOG, Standard Chartered Bank India and Citibank N.A. India. He had completed M.B.A with First Rank in 1989. He had also participated in Emerging Leader Development Program, Graduate School in Business, Columbia University in 2002, as well as the leadership program organized by The Wharton School, University of Pennsylvania in 2006.

Joydeep Datta Gupta is a former Partner of Deloitte India and a Board Member of Deloitte Asia Pacific. A Chartered Accountant profession, he has over thirty years of experience across two major professional services firms. He has also held senior leadership positions at Deloitte India.

Among his many roles over sixteen years at Deloitte India, Joydeep has led the go-to-market function. Prior to that, he was the Chief Operating Officer for the Consulting business. Joydeep has been Technology Consulting leader for Deloitte South Asia. Joydeep also set up the Advisory Practice for Deloitte in Bangladesh.

Prior to Deloitte, Joydeep was a Partner at PricewaterhouseCoopers India and led the Business Transformation Services practice, the Oracle ERP practice, the Human Capital Consulting practice, the Risk Management practice and the BPO practice. He had also held senior leadership positions at PricewaterhouseCoopers. His internal roles included serving as the HR Leader for the firm and the Technology Leader for the firm.

Apart from experience in governance, management and leadership, Joydeep specializes in business process, technology and risk management.

Joydeep has served on Boards of several Chambers of Commerce, Social and Charitable organizations and a Municipality.Joydeep has been a speaker and chaired several panels at leading National and Global seminars.

Ms. Jyoti Davar is a business economist and a seasoned industry leader with nearly three decades of work experience with apex Indian industry associations. Through the years, she has worked across multiple sectors and with a large set of stakeholders on policy and business issues. She is currently responsible for overseeing the operations of FICCI including, its outreach to members of Indian industry across sectors and regions.

She regularly interfaces with senior government officials, multilateral organizations, and industry leaders on a large number of economic issues and projects. She has contributed to several policy initiatives of the government aimed at enhancing the ease of doing business in the country and improving the competitiveness of Indian industry. She has been part of government committees on various subjects and has handled numerous projects with multilateral organizations. She also contributes to the investment promotion activities of the government.

Prior to her appointment as the Director General, she had led teams looking after multiple areas including economic affairs, financial services, corporate laws, corporate governance, taxation, manufacturing, agriculture, small and medium enterprises amongst others. Besides policy areas, she has also worked in institutionalizing important centres of excellence at FICCI such as the FICCI-Aditya Birla Centre for CSR and the FICCI Centre for Sustainability Leadership.

Ms. Jyoti Davar is an alumnus of the Shri Ram College of Commerce, University of Delhi and Department of Business Economics, University of Delhi.

With 31 years of banking experience across leading companies in London and India, Mr. Kalra is extremely well versed in the areas of banking, financial services, investment banking and infrastructure financing. He spent 5 years as the Chief Executive Officer in the Financial Services Company in London, UK and has been associated with various well-known banks and financial Institutions across India and London, including public sector banks. Prior to this, Mr. Kalra served as Senior Vice President in a leading NBFC engaged in providing financial services to corporates (including asset financing, debt syndication, corporate advisory, merchant banking etc.) and support to sister companies within the group with focus on infrastructure projects financing. He holds a Finance MBA from the Faculty of Management Studies (FMS), Delhi University and B.Com (H) from the Shree Ram College of Commerce.