4(23B) Recovery agent means a representative of a recovery agency who is involved in recovery related activities, on behalf of a UCB, at the point of customer interface. Where a recovery agency has been engaged, the UCB shall obtain an undertaking from the recovery agency that its recovery agents agree to abide by the code of conduct. (3) Only the representative(s) authorised by the UCB / recovery agency shall visit the borrower’s / guarantor’s premises for activities related to recovery of loan dues. (9) An employee / recovery agent shall promptly give proper acknowledgement / receipt on collection / recovery of loan dues from the borrower / guarantor. A UCB’s employee / recovery agent shall not engage in any harsh methods towards collection / recovery.