SOLUTIONS. A web platform, which

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2 PROBLEM Insurances are very difficult to compare. A customer does not automatically recognize whether there is an over- or undercover, and there is a lack of a current overview. A customer does not automatically recognize whether there is an over- or undercover, and there is a lack of a current overview. Insurance policies are stored in a folder and usually outdated, the communication with the insurance is carried out by telephone and mail, bills are kept in the finances and reimbursement documents are forwarded without control. If you want to take advantage of an insurance claim, communication is very complicated, untransparent and each insurance company has its own procedures to which the customer has to hold and this is often very unsatisfying. 71% of customers worldwide have unsatisfactory experiences with their insurance companies Insurance companies want to impose their customers their own apps and web pages, even though 95% of all customers have their policies with more than one insurance, and are therefore forced to manage multiple apps and web pages.

3 SOLUTIONS A web platform, which tells the user whether there is an undercover or an insurance expires. supports the user in completing new insurances, simplifying registration or cancellation of vehicles, handling claims and recoveries, and simplifying all communications with insurances. gives the insured the certainty that he can count on help in case of emergency (emergency call, patient card, patient treatment, access to all documents, etc.) is an ideal tool for insurance employees to give customers the desired security. A web platform, which is so easy to integrate into existing processes and structures of insurances, that these also will join it

4 MARKETPLACE D-A-CH Market size: 100 Mio policyholders (individuals and companies) 840 insurance companies, insurance advisors free-lance insurance brokers Our goals: 1350 free-lance brokers using NUBUS (4,5% market share) 4 Mio customer accounts 25 Mio managed policies 5 BVG institutions with direct access to NUBUS 6 insurance companies that equip their agencies with NUBUS

5 PRODUCT NUBUS is a real cloud application and can be run on any browser enabled smartphone, tablet, Mac and PC. Insurers can record insurances policies with just a few clicks OR insurance companies and brokers can open appropriate accounts for their customers. Policies can be updated, requests for new policies can be made, claims can be reported, reimbursement documents sent, premium bills paid and vehicles reregistered. Customers always have access to their insurance documents, always have an emergency app and the certainty that they are not alone in the case of damage.

6 BUSINESS MODELL each location pays yearly CHF/ Customers can make add-in purchases to enable additional functions (document safe, car fleet management, patient card, etc.). External suppliers may offer complementary products in the application (tires, legal protection insurance, travel insurance, TCS, Rega etc.) The license income is 2 Mio per year, income from add-in purchases (5%) is about CHF 400'000.-, the revenues by advertising partners approx. CHF 600'000.- The incomings from the planned platform for the sales of leads (inquiries regarding policy recording and optimization) are not included.

7 BUSINESS MODELL The sales target for D-A-CH in the years is CHF 9 million According to the market research institute Bain / Research Now... by 2017, 52% of all policyholders in the insurance sector would already be digitally active.... will be able to process 78% of insurance procedures digitally by 2019.

8 MARKET LAUNCH Presentation at associations (SFBV, Finanzplaner Verband etc.) Presentation at insurances and BVG institutions (Helsana, Zürich, Mobiliar, Barmenia, Tellco, Liberty, Elips, Generali, Visana, CSS etc.) PR in trade journals (Schweizer Versicherung etc.) Own regional roadshows Cooperation with brokerpools (Procare, Broker Servicecenter Schöftland etc.) Direct mailing to brokers

9 COMPETITORS On the Swiss market there are currently three providers Knip, FinanceFox and esurance.ch, which enable policyholders to record their insurance policies digitally and report claims. These have, however, a different business model and in the background is a broker's office which has the goal to win by the tool new policyholders. These solutions are not scalable, insurers offer no real added value because of the lack of connection of processes, are not provisioned and are only executable on smartphones and tablets. Above all, their target market is the policyholders, while we focus on the brokers and insurance companies and therefore have less marketing costs because by same market size less potential customers need to be processed.

10 COMPETITIVE ADVANTAGES Cooperative model with insurance companies, BVG institutions, brokerpools, insurance consultants and CRM software producers thanks to whitelabel solution, configurability and interfaces. Genuine cloud solution and running on all browser-enabled smartphones, tablets, Mac and PC ALL insurance documents and policies for occupational pensions can be recorded Integrated request generator Integrated module for vehicle registration, transfert and deregistration Complete digital circuit. From the collection of policies and their updating, reporting and settling claims, transferring repayment documents to filing and payment of invoices Freely scalable, prepared for multilingualism, easily adaptable for other countries Thanks to existing interfaces can be easily integrated by insurance brokers and software manufacturers.

11 COMPETITIVE ADVANTAGES The only solution that enables companies to record insurance policies The only solutions with possibility that employees of a company can view their digital BVG documents Absolutely neutral, since we are pure service providers Expandable through in-app purchases Separate login for customers, employees, agencies, insurance advisors and insurance companies

12 Lorenz Fuchs Co-Founder Financial adviros SVUF Owner Fuchs Finanzconsulting GmbH Patrick G. Vollenweider Co-Founder Insurance consultant SVV Owner NBZ Neutrales Beratungszentrum Roland M. Rupp Co-Founder Business consultant Our Team Luciana Gavini Programmer

13 WHAT ARE WE LOOKING FOR In order to establish NUBUS in Switzerland and to be able to carry out the rollout in Germany and Austria in Q2 / 2017, we are offering investors shares in our company. In total, we would give company shares at CHF 500 each.

14 USP Digital storage of all insurance documents Automatic policy updating Offer request generator Online registration, log-in and log-out at the road traffic authority Storage of costs and fees statements Forwarding of reimbursement documents Recording of damage cases Activity tracking Integrated communication functions with brokers and insurance companies Emergency function in case of accidents Digital data safe for important documents Patient card, patient will Direct customer contact thanks to integrated news function API for data exchange with CRM software, brokers & insurance companies Real WEB application and therefore running on all browsers enabled devices

15 STATUS Start in December 2015 in Switzerland 37 active broker accounts customer accounts policies

16 OUTLOOK - Version 3.0 will be released in April API release in December Translation to F and I in November / December Roll-Out in Q3/2017 in Germany and Austria

17 REVENUE The revenue target for D-A-CH in the years is CHF 9 Mio.

18 MANY THANKS

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