Integration of bank and insurance products is a proven win-win area of cooperation between banks and insurance company. Insurer likes to be connected to the huge customer base of the bank and deliver the insurance products through the established solid sales channel . On the other hand Bancassurance for the bank is more than just a mean to mitigate the risk – it is a new profitable business line. Nexum Consulting ensures profitability of the bundled product for both the bank and insurance company by eliminating the efforts required to support policy sales and renewals. Nexum Banks Assurance Solution brings cooperation between banks and insurance companies up to a new level. By connecting insurers with the substantial customer bases that are owned by the banking community, a substantial and unique sales channel is leveraged to mutual benefit, offering both parties measurable increases in income, improved cash flow, lower credit risk and enhanced customer service. Nexum BAS empowers banks and insurers to integrate their services and fully enable the sales channel for core bank assurance products such as CASCO, MTPL, property and travel plans. All aspects of this channel are controlled by Nexum BAS, from targeting customers to identifying the correct point of sale, processing sales administration, gathering premiums, apportioning commissions and processing reminders and notifications for the customer. Nexum Banks Assurance Solution covers all aspects of Bank Assurance sales channel like: Bringing new and existing customers to the channel Core Bank Assurance products like CASCO, MTPL, Property, Travel Process of managing bank commissions and cash flow coming-in for premium payments Sales through both internet banking and credit managers Reminders and notifications

2. Bancassurance Insurance Bank Customers %

3. Business case % % % % % % C ommission revenue Cost of sale CASCO Property

4. Sales & Product administration channels Bank Customers Loan administration Insurance administration Nexum Bank Assurance Solution Internet bank

5. Combined product > single payment Internet bank > Self service

8. Nexum BAS Architecture Existing banking modules Nexum Bank A ssurance Solution External insurance parts Customer involvement