PréstamoVida is the only company dedicated to the granting of insurance policy loans in the Spanish market. It has the important support of Adquiera - www.adquiera.es. Targets customers with a life insurance and savings policy as well as an annuity and who face a temporary liquidity need. More than 6 million consumers in Spain own a policy with these features.

1. October 2014

2. Who we are
PréstamoVida is the only company dedicated to the
granting of insurance policy loans in the Spanish
market.
It has the important support of Cofidis - www.cofidis.es
- with 1.5 million clients, 750 employees and 20 years
experience in Spain.
Targets customers with a life insurance and savings
policy as well as an annuity and who face a temporary
liquidity need.
More than 6 million consumers in Spain own a policy
with these features.
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3. 3
Vision, mission, values
Vision
• Market pioneer in Spain. Aspires to maintain that
position in the future through its client-oriented
services delivering liquidity solutions to customers
with a life insurance and savings policy as well as an
annuity.
Mission
• To be the permanent financial partner of individual
customers of life and savings and retirement
insurance with liquidity needs. It provides them with
swift answers and low rates tailored to their needs
and particular requirements.
Values
• Customer orientation, innovation, commitment,
honesty and transparency.

4. Competitive
technological
platform
Marketing &
intermediation
services
Focus:
customers
with
liquidity
needs
Business-
to-
business
4
Business model

5. PréstamoVida offers customers with
a life insurance and savings policy as
well as an annuity to obtain a policy
loan over part of its surrender value.
The financing conditions are
competitive compared to other
alternatives available in the market.
The customer ensures loan
repayment through pledge of his
insurance policy.
A policy is a guarantee of high quality
and immediate liquidity.
5
What is a policy loan?

6. Customer
needs
Product features Added value
Simple, innovative and competitive product
6
Attractive USP for client
Alternative &
competitive loan
Ease of doing
business
Avoidance of surrender charges
Maintenance of bonus
Financial and tax advantages
according to pledged product
Maintenance of insurance cover
and retirement savings
Surrender and purchase of new
policy more expensive
Guarantee of high quality and
immediate liquidity
Not necessary to purchase
additional products
24/7 service
Web services

7. • “Assurbanking” product
• Loyalty and retention of clientele
• Reduces fall of portfolio
• Avoids selling of assets prematurely
• Positive influence on embedded value
• Also on variables of Solvency II
• Favourable impact on reinsurance
• Additional revenues
• Profitability improvement of distribution
networks
• Outsourcing of marginal activity
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Multiple benefits for insurer…

8. • “Assurbanking” product
• Novel, simple and competitive product
• Loyalty and retention of clientele
• Avoidance of contractual penalties for
declines in portfolio
• Additional revenues
• Maintenance of commissions on
portfolio
• Ease of doing business
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…and its intermediaries.

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Thank you very much
for your attention.
www.prestamovida.com
Confidential information property of PréstamoVida, S.L.