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MICROINSURANCE IN BRAZIL Latest Development on Distribution and Technology

MICROINSURANCE IN BRAZIL Latest Development on Distribution and Technology FORITO Guadalajara , 29/ sep /2013. Main elements of the model Technology employed - Point of Sales (POS ) -Bradesco Bank correspondents network (> 40.000) -100% of brazilian municipalities

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MICROINSURANCE IN BRAZIL Latest Development on Distribution and Technology

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  1. MICROINSURANCE IN BRAZIL LatestDevelopmentonDistributionandTechnology FORITO Guadalajara, 29/sep/2013

  2. Mainelementsofthemodel Technologyemployed -Pointof Sales (POS) -Bradesco Bankcorrespondents network (> 40.000) -100% ofbrazilianmunicipalities -Easyoperation (binary)/Easy training -Goodlevelsofreliabilityon data transmission -GoodqualitysupportofVANs Clientaccess -Direct Themultiplier -In some aspects similar role ofmicrocreditagent -Insurancebroker (mustbecertifiedby SUSEP) -Eachonetakescareof a givennumberofcorrespondents -Training thecorrespondent -SameBradesco’srulesapplied to thecorrespondent

  3. TheProduct Coveragesandassistance Accidentaldeath Funeral assistance Benefits -Monthlylottery (brazilian Federal Lottery) Otherinformation -Annualperiodicity -Cashpayment -30% total commercialloading Optionsofplans 1)Suminsured: US$ 1,135.00 Lottery: US$ 1,135.00 Premium: US$ 4.49 2)Suminsured: US$ 2,270.00 Lottery: US$ 2,270.00 Premium: US$ 5.45 3)Suminsured: US$ 4,540.00 Lottery: US$ 4,540.00 Premium: US$ 8.12 4)Suminsured: US$ 6,810.00 Lottery: US$ 6,810.00 Premium: US$10.39

  4. Montlysales (units) Share (optionofplan)_ - Untilaug/13 -may/12: 833 Plan 1 – 82% (% ofthe total sold) -jun/12: 1123 Plan 2 – 13% -jul/12: 1396 Plan 3 – 1% -aug/12: 2523 Plan 4 - 4% -sep/2012: 1961 -oct/12: 1745 -nov/12: 1570 -dec/12: 1432 Numberofcorrespondents -jan/13: 1251 -oct/12: 168 -feb/13: 1300 -nov/12: 169 -mar/13: 1819 -dez/12: 178 -apr/13: 2175 -jan/13: 181 -may/13: 2287 -feb/13: 181 -jun/13: 2661 -mar/13: 194 -jul/13: 2510 -apr/13: 245 -aug/13: 2789 -may/13: 326 -jun/13: 414 -jul/13: 450 -aug/13: 515

  5. Sellingprocedures POS screen Chooseoption ‘seguros’ (insurance) Planoptionsappear – chooseat POS theclient’soption Afterthisthe screen will show thenecessary data for theoperationconclusion . Type CPF, ZIP, Phoneandclientbirth date. CPF andbirth date are mandatory.

  6. Sellingprocedures POS screen Aftertypingthecorrect data andpressing ‘confirm’ thenext screen will show themessage ‘ApprovalTransaction’ withthecertificateprinting In case of CPF orbirth date incorrecttyping, afterpressing ‘confirm’ the screen will show theerrormessage. Need to cancelthatoperationand star a newone.

  7. Insurancecertificate Nº ofInsuranceCertificate Adhesion date/ CPF / Birth date/ Premium amount Lotterynumber Conciseinformationabouttheinsuranceadhesion Insurancecompany data

  8. Communication Adhesives to thecorrespondentstore

  9. Communication Flyers to thecorrespondentstore

  10. MUCHAS GRACIAS THANK YOU OBRIGADO rodolfo.ern@bradescoseguros.com.br +55 21 2503 1821

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