INVESTOR

PRESENTATIONOn-Demand

Solutions for the

Insurance, Financial,

e-Governance &

Healthcare sectors

1 Ebix Way

Johns Creek

GA 30097

Phone: (678) 281 2020

www.ebix.com

DISCLAIMER

This Investor Presentation has been prepared by Ebix, Inc. (“Ebix”) for investors, solely for informational purposes.

The information contained herein has been prepared to assist prospective investors in making their own evaluation of the Company and does

not purport to be all-inclusive or to contain all of the information a prospective or existing investor may desire. In all cases, interested parties

should conduct their own investigation and analysis of the Company and the data set forth in this information. Ebix makes no representation or

warranty as to the accuracy or completeness of this information and shall not have any liability for any representations (expressed or implied)

regarding information contained in, or for any omissions from, this information or any other written or oral communications transmitted to the

recipient in the course of its evaluation of the Company.

This Information includes certain statements and estimates provided by the Company with respect to the projected future performance of the

Company. Such statements, estimates and projections reflect various assumptions by management concerning possible anticipated results,

which assumptions may or may not be correct. No representations are made as to the accuracy of such statements, estimates or projections.

Prospective investors will be expected to have conducted their own due diligence investigation regarding these and all other matters pertinent to

investment in the Company.

This presentation may contain statements that are not historical facts, referred to as “forward looking statements.” The corporation’s actual

future results may differ materially from those suggested by such statements, depending on various factors including those described in filings

made with the SEC.

2

TABLE OF CONTENTS

3

EXECUTIVE SUMMARY ………………………………………………..……………………………….............. 05

FINANCIAL SNAPSHOT ………………………………….……….… ………………………………............… 12

INDUSTRY & MARKET OVERVIEW ……………………………….……………..………………………..….. 18

EBIX EXCHANGE (INSURANCE) ………………………………………………………….………………...... 22

EBIXCASH (FINANCIAL EXCHANGE) ……………………………………………………………………..…. 32

EBIXCASH REMITTANCE, RETAIL & CORPORATE PAYMENT EXCHANGES ……………………………..………. 44

EBIXCASH TRAVEL INITIATIVE …………………………………………………………………..………...…..………..... 59

EBIX SMARTCLASS – ELEARNING INITIATIVE ……………………………………..………………………….............. 73

EBIXCASH WORLD MONEY …………………………………………………………………..………………………..…... 36

EBIXCASH WEALTH SOLUTIONS ……………………………………………………………………….……………....… 82

EBIXCASH LENDING SOLUTIONS…………………………………………………………………..…………………...… 86

A FEW STRATEGIC THOUGHTS …………………………………………………………………..…………………………....... 97

ROUTIER – EBIXCASH LOGISTICS DIVISION …………………………………………………………………..…….... 91

EBIX BSE JV – INSURANCE EXCHANGE ……………………………………..…………………………....................... 77

EBIX MISSION

The company’s technology vision is to focus on convergence of all insurance and financial exchange channels, processes and entities for

seamless data flow. The company intends to do that by designing products and services that are pioneering and at least a few years ahead of its

competition. The company believes that profitability and revenue growth must go hand in hand.

With no competitors who can match the completeness of its vision or its distinct advantages, Ebix is ideally positioned to seize an enormous

“green field” opportunity. Continually cited for the high quality of its offerings, Ebix has built an outstanding reputation amongst a large, impressive

customer base. With a strong recurring Software as a Service (SaaS) model, Ebix is positioned to be a leading global FinTech player.

With an on-demand business model, that thrives on delivering end to end services to its customers worldwide, Ebix has achieved an operational

consistency that is second to none. The company has been featured on the Fortune Magazine’s 100 Fastest Growing Company List 5 times in

the last decade.

Ebix goal is to be the largest FinTech company in the world that can converge all Insurance and

Finance services

CONVERGENCE

4

EXECUTIVE SUMMARY

www.ebix.com

ABOUT EBIX

Founded in 1976, Ebix, Inc. is listed on the NASDAQ Global Market & is a part of the Russell 2000 Index and Standard & Poor's Small Cap 600 Information Technology Index.

Ebix is a leading international supplier of on-demand infrastructure exchanges to the insurance, financial, and healthcare industries. In the Insurance sector, the Company’s main

focus is to develop and deploy a wide variety of insurance and reinsurance exchanges on an on-demand basis, while also, providing Software-as-a-Service ("SaaS") enterprise

solutions in the area of CRM, front-end & back-end systems, outsourced administrative and risk compliance.

With a "Phygital” strategy that combines 260,000 physical distribution outlets in many Southeast Asian Nations (“ASEAN”) countries, to an Omni-channel online digital platform,

the Company’s EbixCash Financial exchange portfolio encompasses leadership in areas of domestic & international money remittance, Forex, travel, pre-paid & gift cards, utility

payments, lending etc., in an emerging country like India. The Company’s Forex Exchange has an approximate 70% market share of India’s airport Foreign Exchange business

encompassing 25 international airports like Delhi, Mumbai, Bangalore, Chennai and Kolkata International airports, while conducting over 1 million transactions per annum.

EbixCash, through its travel portal Via.com, is also one of Southeast Asia’s leading travel exchanges with over 110,000 distribution outlets and 8,000 corporate clients processing

over 24.5 million transactions every year. For further details, visit www.ebixcash.com

With 50+ offices across Australia, Brazil, Canada, India, New Zealand, Singapore, US and UK, and a market capitalization of approximately $2 Billion, Ebix powers multiple

exchanges across the world in the field of life, finance, health and property & casualty insurance while conducting in excess of $100 billion in insurance premiums annually on its

platforms. Through its various SaaS-based software platforms, Ebix employs thousands of insurance and financial technology professionals to provide products, support and

consultancy to thousands of customers across six continents. For more information, visit the Company's website at www.ebix.com.

Ebix's goal is to be the leading powerhouse of insurance and financial transactions in the world. The Company’s technology vision is to focus on the convergence of all channels,

processes and entities in a manner such that data seamlessly flows once a data entry has initially been made. Ebix strives to work collaboratively with clients to develop

innovative technology strategies and solutions that address specific business challenges and requirements. Ebix combines the newest technologies with its capabilities in

consulting, systems design and integration, IT and business process outsourcing, applications software, and web and application hosting to meet the individual needs of

organizations.

Ebix’s focus on quality has enabled its development unit in India to be awarded Level 5 status of the Carnegie Mellon Software Engineering Institute’s Capability Maturity Model

Integrated (CMMI). With a ISO 27001-security certification, the Company also has a ISO 9001:2000 certification for both its development and BPO units in India.

Its vast customer base includes hundreds of banks, financial institutions, insurance companies and hundreds of thousands of brokers, in addition to 80 of the Fortune 500

corporate clients. This includes an impressive blue-chip account base consisting of the world’s largest and most respected financial institutions, banks and insurance companies.

In 2017, Ebix was named in Fortune’s 2017 100 Fastest-Growing Companies List. In 2012, Ebix was ranked as the 6th Fastest Growing Technology

Company in America by Forbes Magazine. Ebix was also ranked 4th Fastest Growing Technology Company in 2011 by Fortune.

6

ABOUT EBIX

The Company has its headquarters in Johns Creek, Georgia, while having 50+ offices across the world in countries like Australia, Brazil, New Zealand, Singapore, Canada, U.K. and India. Through its various SaaS based software platforms, Ebix employs 9,000+ professionals providing products, support and consultancy to thousands of customers on six continents across 69+ countries.

A few more summary facts about Ebix

• Market capitalization of $2 Billion approximately • Largest insurance exchange in the world

• The client base includes 80 of the Fortune 500 clients • The Company has a 99% plus customer retention rate across the world

• The Company has a proven high Growth and Profitable Recurring

Revenue Model with 80% plus recurring revenues.

• Ebix’s exchanges power transactions between hundreds of thousands of brokers and insurance companies

• Strong Balance sheet and an 18 year history of consistent profitability,

cash growth and revenue growth

• Ebix runs over 22 million compliant life policy illustrations and over 40 million life insurance quotes annually

• Phygital Strategy through EbixCash brand that combines 260,000

distribution outlets in many ASEAN countries to an omni-channel online

digital platform encompassing leadership in areas of domestic and

international money remittance, travel, pre-paid & gift cards utility

payments etc. in an emerging economy like India

• EbixCash, through its travel portal Via.com, is also one of Southeast Asia’s

leading travel exchanges with over 110,000 distribution outlets and 8,000

corporate clients processing over 24.5 million transactions every year

• A client base spread across 69+ countries with hundreds of thousands of

users using its platforms and exchanges

• Ebix’s Financial exchange powers more than $60 billion in Annuity premiums annually in the United States

• Hundreds of thousands of users of its insurance, financial and healthcare

exchanges

• Ebix Exchange in Australia powers most of the electronic property & casualty insurance transactions

• Ebix’s centers in India have Carnegie Mellon’s highest CMMI Level 5

rating and that establishes the quality of Ebix’s operations to any of its

prospective customers

• Ebix systems tend to be multi-lingual, multi-currency and work in French,

Portuguese, Spanish, Japanese, Chinese, Hindi and English

• CMMI Level 5 certified units in India with approximately 7,500+ employees • Ebix’s On-Demand CRM solution is used by 125,000 plus users in the

United States alone

• Ebix has a strong clientele of financial institutions, banks, insurance

companies, insurance brokers, healthcare professionals across the world

besides having a reputed client base in India including Indian Govt., Indian

public and private sector, hospitals, insurance companies, brokers etc. as

clients

• All worldwide intellectual property and development is led by its India staff

7

SUMMARY HIGHLIGHTS

Industry Leadership Opportunity

by Leveraging Ebix’s Strong

Market Presence.

Large, Impressive Client

Base for Expansion and

Cross-selling.

High Growth and Profitable

Recurring Revenue Model.

The insurance and finance IT market is a highly

fragmented multi-billion industry. Ebix’s

innovative exchange strategy and its global reach

positions it as a possible leader in the worldwide

insurance & financial exchange markets.

Ebix’s outstanding reputation with a large

customer base and community of

insurance & finance professionals offers

tremendous expansion and cross-selling

opportunities to accelerate an already very

strong market position.

With approx. 80% of its revenue generated from

recurring sources, Ebix has a high degree of

visibility into its growth trajectory.

1 2 3

Consistency of Performance. Operating Margins

*Q3 2018 results have been annualized for presentation purposes. These numbers are GAAP numbers.

31%

34%33%

37% 37%

2017 2016 2015 2014 2013

31% 31% 31%

32%

Q3 2018 Q2 20182 Q1 2018 Q4 2017

Q3 2018

Annualized*

2017 2016 2015 2014 2013

Revenues in million $ 514.57 364.0 298.3 265.5 214.3 204.7

Growth of Q3 2018annualized* over other years 41% 73% 94% 140% 151%

Net Income in million $ 116.97 100.6 93.8 79.5 63.6 59.3

Growth of Q3 2018annualized* over other years 16% 25% 47% 84% 97%

Diluted EPS in $ 3.68 3.17 2.86 2.28 1.67 1.53

Growth of Q3 2018

annualized* over other years16% 29% 61% 120% 141%

8

New GrowthInitiatives Launched

Launch ofEbixCash

SUMMARY HIGHLIGHTSUnique Differentiation Enhances Ebix’s

Leadership Opportunity

Ebix’s exchanges power transactions

between hundreds of thousands of

brokers and insurance companies.

Ebix runs over 22 million compliant life policy

illustrations and over 40 million life insurance

quotes annually. Ebix’s annuity exchange powers in

excess of $60 billion in premiums annually in the United States. Ebix

Exchange in Australia powers the majority of the electronic property &

casualty insurance transactions. Ebix’s On-Demand CRM solution is used

by 125,000 plus users in the United States alone. With the aggregation of

a large community of insurance companies and brokers on its exchanges,

Ebix is seen as a vehicle to insurance markets by these entities.

Companies not using Ebix exchanges risk losing access to the aggregated

markets that Ebix could offer them access to.

Ebix provides a multi-national

broker or carrier a common code

base world-wide, unlike any other

software player in the insurance

industry that addresses these

markets.

Ebix systems are multi-lingual, multi-currency

and work in French, Portuguese, Spanish, Japanese, Chinese

and English.

Experienced Executive Management

Team with Domain Expertise and

Industry Recognition.

Ebix’s team includes subject matter and

domain experts with a deep understanding of the

insurance & finance industries spanning thousands of years

of experience amongst them. Its infrastructure and experienced executive

management team is highly capable of sustaining its leadership and

developing Ebix into an even larger organization.

With fully owned offshore facilities

in India, Ebix has the ability to

reduce the cost structure of

acquired companies and increase

their efficiency.

Ebix’s centres in India have Carnegie Mellon’s

highest CMMI Level 5 rating and that establishes

the quality of Ebix’s operations to any of its prospective customers.

EbixCash is the new ‘Financial

Services’ arm of Ebix that has

started its journey from India

EbixCash is a phygital platform comprising

of digital channel as well as physical network of

more than 260,000 agent outlets across 5500 cities, processing

more than US$7bn of transactions annually across payments, Forex,

lending & wealth management, ELearning and travel solutions.

9

EBIX VISION – TO BECOME AN AIRPORT FOR INSURANCE AND FINANCE CONVERGED TOGETHER

AIRPORT FOR INSURANCE AND FINANCE

10

GLOBAL FOOTPRINTOur markets and our clients cross geographic boundaries. Ebix employs thousands of insurance & technology professionals providing products, support and consultancy to thousands of customers on six continents across 69+ countries through 50+ offices and thousands of EbixCash distribution outlets in multiple countries.

United States

Brazil

United Kingdom

India

Singapore

Australia

New Zealand

UAE

Philippines

Indonesia

Thailand

11

FINANCIAL SNAPSHOT

www.ebix.com

THE JOURNEY TILL NOW

• In 1999 Ebix had $19.0 million in Net Losses.

• In Q3 2018 Ebix had $116.97 million of Annualized Net Income.

($19)($11)

$0.10 $0.50 $1.70 $2.60 $4.30

$6.00

$12.70

$27.31

$38.80

$59.00

$71.37 $70.57

$59.27

$63.55

$79.53

$93.85

$100.62

$116.97

($40)

($20)

$0

$20

$40

$60

$80

$100

$120

$140

1999

2000

2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Q3 2018Annualized *

2017

Net

Inco

me

13

$97.69

$132.19

$168.97

$199.37 $204.71 $214.32

$265.48

$298.29

$363.97

$514.57

$39.26 $52.51

$68.75 $77.01 $75.01

$79.67 $88.71 $100.31

$113.22

$156.95

$1.03 $1.51 $1.75 $1.80 $1.53 $1.67 $2.28 $2.86 $3.17 $3.68

2009 2010 2011 2012 2013 2014 2015 2016 2017 Q3 2018Annualized

Revenue (in millions) Operating Income (in millions) Diluted EPS

CONSISTENT GROWTH AND PROFITABILITY

*CAGR calculated using 2009 as the base period through Q3 2018 Annualized

Combined Operating Income between 2009 and Q3 2018 Annualized = $851.40 Million

14

RECURRING REVENUE STREAMS WITH

CONSISTENT GROWTH AND PROFITABILITY

• Stable, predictable base of recurring revenues

• Scalable on-demand model of with 30 - 35% operating margins

Revenue Growth & Operating Margins

Sales (in millions)

Operating Margins

$132.19

$168.97

$199.37 $204.71 $214.32

$265.48

$298.29

$363.97

$514.57

40% 41% 39% 37% 37%33% 34% 31% 31%

20152010 2011 2012 2013 2014 2016 2017 Q3 2018

Annualized

New GrowthInitiatives Launched

Launch ofEbixCash

15

EBITDA

Combined EBITDA between 2009 and Q3 2018 Annualized = $952 Million

EBITDA (in millions)

$44.7

$66.1

$81.2

$88.3

$81.0

$89.8

$101.4

$111.8

$124.2

$163.2

20152010 2011 2012 2013 2014 2016 2017

*CAGR calculated using 2009 as the base period through Q3 2018 Annualized

2009 Q3 2018

Annualized

16

BALANCE SHEET METRICS

Healthy Balance Sheet

2017 2016 2015 2014 2013 2012

Net Debt/(Net Cash)(millions)

$310.8 $155.6 $148.4 $69.4 $(0.6) $44.4

Current Ratio 1.72 2.31 2.28 1.49 1.54 1.44

Cash Balance (millions)

+Short-term

investments

$89.5 $117.2 $58.7 $52.6 $57.5 $37.4

Working Capital (millions)

$106.0 $117.3 $65.6 $34.1 $35.7 $25.0

Debt to equity ratio 0.81 0.64 0.51 0.28 0.14 0.22

17

INDUSTRY & MARKET OVERVIEW

www.ebix.com

EBIX’S INSURANCE EXCHANGE VISIONThe Insurance Exchange Channel

• Multiple exchanges across the world in the fields of life, annuity, health and property & casualty insurance, conducting in excess of $100 billion in insurance premiums.

• Enterprise-wide administration system used by hundreds of brokers, thousands of employers and millions of employees.

• Annuity Exchange, namely AnnuityNet on an average processes $60 Billion in premiums each year

• Ebix runs over 22 million compliant life policy illustrations and over 40 million life insurance quotes annually.

• A de-facto standard in the Australian Markets. 7 million quotes per year.

• Majority of the electronic transactions in the property & casualty sector in Australia.

• Launching new services such as servicing of Annuities, portability of annuity policies, Ebix Enterprise etc.

More than hundred thousand brokers, 100 plus top-rated Insurance Companies, Financial Institutions and many of the largest Multi-national Banks are Ebix clients

ENTERPRISE LIFE

EXCHANGE

ANNUITY

EXCHANGE

HEALTH & EMPLOYEE

BENEFITS EXCHANGE

HEALTH

INFORMATION

EXCHANGEWORKERS COMP

EXCHANGE

REINSURANCE

EXCHANGE

P&C

EXCHANGE

RISK/CLAIMS

EXCHANGE

Illustration

Exchange

(WinFlex)

On-Demand

CRM

(SmartOffice)

Order Entry

Exchange

(LifeSpeed)

Order Entry

Exchange

Servicing

ExchangePortability

Exchange

19

EBIXCASH FINANCIAL EXCHANGE VISION

MARKETPLACE, DISTRIBUTION NETWORK

AND PAYMENTS LAYER

ONE CONSUMER

MULTIPLE NEEDS /

DESIRES

ONE INTEGRATED

PLATFORM

International Remittance

Bill Payments

Gift Cards

Domestic Remittance

Lending & Wealth

Management Solutions

Travel

Exchanges &

Travel

Logistics

FOREX

20

Available in

multi-languages

E-LEARNING SOLUTIONS VISION

21

Largest repository of

rich multimedia

content

Editable as well as

ready lesson plans

Comprehensive

Digital Learning

Solutions

Content Mapped to

National and State

curriculum

e-Learning Solutions

EBIX EXCHANGE

(Insurance)

www.ebix.com

INDUSTRY AND MARKET OVERVIEW - INSURANCEEBIX’s footprint addresses the most strategic needs in the insurance industry, besides the healthcare and financial industries

Property & Casualty (P&C)

• Policy Admin Platform

• Agency Download (TEAM-UP)

• Data Translation Services (DTS)

COI Tracking/COI Issuance

• Insurance Certificate Tracking

• Insurance Certificate Issuance

Health and Employee Benefits

• EbixEnterprise – Health Management

• Consumer Portals

• Compensation Statement Solution

• Benefits Administration and Wellness

• Claims Adjudication Platform

CRM

CONSULTING

For insurers

For agents and brokers

• Policy Admin Platform - Global

• Policy Admin Platform - US

• Certificate Issuance Exchange

For Reinsurance/Lloyds/London Market

• Universal Messaging Gateway

• Electronic Data Exchange

For Risk/Contract Managers and

COI Issuers

Life Insurance

• Enterprise CRM

• Agency Management

• Research and Quoting

• Sales Illustration

• Exchange E-Application

• Enterprise E-Application

• New Business and Underwriting

• Policy Administration

• Distribution Management

• Product Publishing Tools

For Insurers, Brokers and Agents

Annuity

• Research and Quoting

• Exchange E-Application

• Product Publishing Tools

For Insurers, Brokers and Distributors

Risk Management

• Risk and Claim Management

• Workers’ Comp Reporting System

• Medical Care Management

For Insurance Carriers, Health Plans,

Hospital Systems, TPAs, and other

Health Insurers and businesses

• A.D.A.M. – Consumer Health & Education

• Continuing Medical Education Products

For Hospitals, Health Plans, Portals

For Risk Managers

23

INSURANCE EXCHANGE CHANNEL VERTICAL

Multiple exchanges across the world in the fields of life, annuity, health, property & casualty insurance conducting in excess of $100 billion in insurance premiums.

Ebix Vertical Exchange Channel Revenue Split in Q3 2018

4% 5%

Risk Mgmt. & Workers Compensation

Life Insurance

Customer Relationship Management

Annuities

Health Benefits

Property & Casualty

Financial

11% 15%9% 55%

24

1%

THE INSURANCE EXCHANGE CHANNELLife Exchange

LIFESPEED

WINFLEX WEB

SMARTOFFICE

WINFLEX WEB

Life Carrier 1

Life Carrier 2

Life Carrier 3

Pending Cases Status

Paramed Exam Order

eApp Submission

Sales Illustration

Pending Cases Status

eApp Review & Approve

Sales Illustration

Pending Cases Status

eApp (Data & Forms)

Pending Cases Status

eApp (Data & Forms)

Pending Cases Status

eApp (Data & Forms)

Client & Agent

General Agent

Service Provider

Life Insurance Straight Through Processing

PARAMED EXAM ORDER

(Multiple Carriers)

(Multiple Carriers)

25

Annuity Exchange

Carrier 1

Carrier 2

Carrier 3

Multi-carrier Product Selection

Brokerage Account Prefill

eApp Submission

Funds Check

Compliance Review

eApp Transmission

Money Settlement To Carriers

Product Data & Forms

Policy ValuesDepository Trust & Clearing Corp

Client & Financial Advisor

Annuity Straight Through Processing

ANNUITYNET

Product Data & Forms

Policy Values

Product Data & Forms

Policy Values

eApp

Transmission

THE INSURANCE EXCHANGE CHANNEL

26

Health Exchange - The only end-to-end comprehensive exchange trusted by thousands of carriers, third party administrators,

brokers, employers & consumers, designed to address the specific needs across the Healthcare service value chain.

9 Million Insured Lives, used by Top carriers & 3 of the Top 10

TPAs in the US International Cross Selling Opportunity

SaaS based Healthcare Benefits and

Claims Management

Multiple Benefit Lines :

Medical, Dental, Vision, Specialty, FSA,

HRA, HSA

STD, LTD, Group Life / AD&D, COBRA

Full Accounting and Premium Billing

Electronic imaging/workflow

Reinsurance

Claims & Encounter Processing

Policy/Benefits Administration

Workers Compensation Administration

Employee Benefits & Risk Management

Integrated Flexible Benefits Administration

Integrated ‘Web’ & ‘Voice-enabled’ Benefits Communication

Electronic Data Interchange (EDI)

Optical Imaging/IOCR

HIPAA Compliant Solutions

COBRA Administration System

Case Management System

Analysis & Reporting

Online Quoting

Agency management

CRM/Sales Automation

Advisor Tools

Enrolment Services

Health & Wellness

Financial Services

Cost & Care Guide

Real Value Statement

Dependent Audits

NurseLine

Employee Assistance Program (EAP)

Multimedia Encyclopaedia

Interactive Decision Tools

Health Risk Assessments

Wellness Calculators

Drug Tools

Exam Scheduling Recommendation Tools

Care Guides

Health News

Mobile Technologies

Marketing Technologies

E-Learning, M-Learning

THE INSURANCE EXCHANGE CHANNEL

27

RISK COMPLIANCE SOLUTIONS CHANNEL

Data Entry handled in Ebix India for improved Cost Management

Full

service,

outsourced solution

for issuing, tracking

and managing

Certificates of

Insurance

Services

offered to more than

1,000 organizations

across 26 different

industries

Management

services to help

reduce uninsured

exposure and

improve corporate

control

Single

largest provider

of this service in

the worldEnd-to-end

services for issuing,

soliciting, validating

and electronic

storage of the

certificates

PERCENTAGE OF TOTAL REVENUE

21%Q3 2018 – 14%

28

THE INSURANCE BROKER CHANNEL

Many of the world’s top Brokers use Ebix’s Broker systems

• Fully integrated modules that support all

phases of the business process including

Quotations, Policies, Placing, Invoicing,

Accounting, Claims & Analytics

• Multi-country, multi-currency and multi-

lingual

• E-commerce-based, end-to-end, backend

system to automate a broker’s entire business

• Policy processing/Claims administration/Sales

Management/ Underwriting/Rating etc.

• Built in-house, deployed across United States

• Comprehensive e-commerce enabled

business system designed for General

Insurance Intermediaries Insurance

Intermediaries

• Used by over 5,000 users across 600

businesses in Australia

• Interfaces with Ebix Exchange, On-line

quoting and all of the major premium

funding applications

• Seamless integration to electronic trading

platforms, Premium Funding systems,

Banks, Payment Gateways and

Document Management Systems

PERCENTAGE OF TOTAL REVENUE

5%Q3 2018 – 3%

29

CARRIER CHANNEL

69 Insurance companies across United States and Europe use these products

E-commerce,

dot net based,

end-to-end, backend

system to automate

an insurance

company’s entire

business

Client server

based, end-to-end,

backend system to

automate an insurance

company’s entire

business

Policy

processing /

Claims administration

/ Sales Management

/ Underwriting / Rating

etc.

Policy

processing / Claims

administration / Sales

Management /

Underwriting / Rating /

General Ledger /

Exchanging data

etc.

Built

in-house,

deployed in US

and EuropePresently

being developed in

Latin America on

cloud

basis

PERCENTAGE OF TOTAL REVENUE

Q3 2018 – 0.2%

30

INSURANCE EXCHANGES CONTINUE TO GROW

WITH RECURRING REVENUE STREAMS

83.1%

14.0%

2.7% 0.2% 4%

9%

55%

11%

15%

1%5%

34.0%

50.0%

16.0%

37.6%

62.4%

Revenue by Channel

Revenue Source

Exchange Channel Revenue

Revenue by Geography

Carrier SystemsBroker Systems

RCS

Exchanges

Risk Management

& Workers Compensation

P&C

Health

Transaction

Professional

Services

Subscription

International

United States

Financial

31

CRM Life Insurance

Annuities

EBIXCASH

(Financial Exchange)

www.ebix.com

Logistics

Remittance

Insurance

Healthcare

Travel

Pre-paid Card

Lending

Education

Wealth Management

Financial Exchange

Phone Recharges

33

EBIXCASH FINANCIAL EXCHANGE

EBIXCASH – EVOLUTIONARY JOURNEY

34

ItzCash

Payments Exchange,

Domestic

Remittances,

Prepaid Cards

75K Distribution

outlets, 3000+ towns,

1500+ Corporate

Partners, 600,000

Txns daily

YouFirst Money

Express

Inward Remittance

Exchange

10K Distribution

Outlets, 2.3mn

Transactions annually

Bombay Stock

Exchange BSE

& Ebix JV

India Insurance

Exchange

Transcorp

International Limited

(BSE:TRANSCOR)

Inward Remittance

Exchange

7.5K Distribution

Outlets, 40 branches,

1.7mn Transactions

annually

Wall Street

Finance

(BSE:WSFIN)

Inward Remitance

Exchange

9K Distribution

Outlets, 10 Branches,

2 Million Transactions

processed annually

Paul Merchants

(BSE:PML)

Inward Remittance

Exchange

20K Distribution Outlets,

165+ Branches,

6mn Transactions

per annum.

VIA.com

Travel Exchange

110K Distribution

Outlets, India &

South Asia

Centrum Direct

Limited

165 outlets spread

across 55 cities, 200+

franchisee partners,

2,000+ travel agents,

50+ banks and financial

institutions, 1000+

SMEs, and 150+large

corporate clients

Smartclass

Educational Services

A leading e-learning

Company engaged in

the business of

education services,

development of

education products,

and implementation of

education solutions for

K-12 Schools

Mercury Travels

and Leisure Corp

An Ebix Cash Luxury

Initiative with focus on

luxury, events and

sports related traveler

Indus Software

Technologies

Pvt. Ltd.

A global provider

of enterprise

lending software

solutions

Miles Software

Top provider of

Asset and Wealth

Management

Software in India

and emerging

countries

Routier

A pioneering B2B

market for

Trucking logistics

Business Travels

Pvt. Ltd.

An EbixCash Travel

Initiative

EbixCash is the new ‘Financial Services’ arm of

Ebix Group, which has started its journey

from India

EbixCash was launched in 2017 with series of

acquisitions in India in the financial services

industry, resulting in acquisition of large retail

network processing transactions involving

domestic money remittance, Forex, international

money remittance, travel exchange and wealth

management

EbixCash is phygital platform comprising of digital

channel as well as physical network of more than

260,000 agent outlets covering 568 districts,

over 5,500+ cities across the length and

breadth of India

EbixCash is currently processing more than

US$7bn of transactions annually across

payments and travel solutions

New products under introduction – lending

solutions, insurance and financial products

EbixCash also has presence in South Asia in

countries such as Philippines, Indonesia,

Singapore, Hong Kong, Middle East through its

travel vertical – VIA

EBIXCASH - FINANCIAL EXCHANGES

Portfolio of products can be accessed digitally

anywhere as also across its distribution outlets

spread all-over ASEAN countries

Ebix’s recent joint venture initiative with Bombay

Stock Exchange positions it strongly in India’s

FInTech sector

THE STORY CONTINUES…

Emerging as the leading marketplace across FinTech Segments

35

36

• India's leading Money Exchange Company incorporated in 1999.

• Upgraded to Authorized Dealer Category -II license in 2008

• Extensive branch network spanning 52 Cities and 25 Airports.

More than 80 different currencies

Outward remittance facilities

: 17 different currencies

One of largest issuer of Multicurrency prepaid cards in

India

One of the oldest and largest partners of American Express

India’s first money exchange company :

digital wallet app with a physical card

Products and Services

Foreign Currency Notes

Remittances Travel CardsTravellers Cheques

INR Prepaid Cards

37

ABOUT EBIXCASH WORLD MONEY

haryana

2

2

21

61

1

4

3

10

12

1

14

1

1

5

5

Rajasthan

Gujarat

Maharashtra

Karnataka

Tamilnadu

Kerala

Andhra Pradesh

Orissa

Chhattisgarh

Madhya Pradesh

Bihar

Punjab

HimachalPradesh

Meghalaya Manipur

MizoramTripura

West Bengal

Jammu & Kashmir

UttaranchalDelhi

Uttar Pradesh

Sikkim

Assam

Jharkhand

Goa

Arunachal Pradesh

38

OUR REACH

Network of 94 branches;

232 franchisee units; 56

cities, 2 Lac Pin

codes serviced.

78 kiosks in 25 Airports

8 seaports

CUSTOMER TOUCH POINTS

Online

SeaportsBranches

Airport

39

OUR AIRPORT AND SEAPORTS NETWORK

• Exclusive presence at 22 International Airports

• Present across 25 out of 32 International Airports

• Covering 87% of 25 million passengers travelled

in 2017

• Present at all metro airports (Delhi, Mumbai,

Chennai, Kolkata)

• Present across 12 seaports (Flamingo DFS)

• Present across 21 States

• Covering 59 cities

• With branch network of 84 branches

40

41

FINANCIAL AIRPORT – PAYTM AND EBIXCASH

WORLD MONEY

KEY CORPORATE

CLIENTS

EDUCATION AND

PRODUCTION

CLIENTELE

EMPANELLED

BANKS

FRANCHISEES

EBIXCASH WORLD MONEYA SAMPLE SPECTRUM OF KEY CLIENTS

42

43

COMPETITIVE LANDSCAPE

HighTurnover

LowTurnover

Banks Financial Institutions Travel Companies

R E M I T T A N C E , R E T A I L & C O R P O R A T E P A Y M E N T E X C H A N G E S

45

Payment Product Offering

Domestic & International InwardRemittance

Corporate Cash Management

Services

Corporate & e-Governance

Solutions

Travel/Via

Prepaid Card/Gift Cards

Bill Payment

46

EBIXCASH AGENT NETWORK

TOTAL AGENT NETWORK

264183

390

3635

1335

172

11599

21426

13208

18711

33706

13790

12277

18945

1875

25424

900

9012

1023

136

5360

2531

8968

1254

3131

7186

6196

85

5804

84

15084 1692

2363

Andaman & Nicobar Islands

Andhra Pradesh

TamilNadu

Telangana

Maharashtra

GOA

Madhya Pradesh

Odisha

WestBengal

Tripura

Mizoram

ManipurMeghalaya

Assam

Jharkhand

Bihar

Gujarat

Rajasthan

DelhiHaryana

Himachal Pradesh

Uttar Pradesh

Sikkim

Jammu & Kashmir

State No. of Branches

Andhra Pradesh 7

Assam 1

Bihar 3

Chhattisgarh 1

Delhi 4

Goa 1

Gujarat 3

Haryana 4

Jharkhand 1

Karnataka 13

Kerala 5

Madhya Pradesh 1

Maharashtra 14

Orissa 1

Pondicherry 1

Punjab 5

Rajasthan 2

Tamil Nadu 14

Telangana 8

Uttar Pradesh 8

West Bengal 7

Jammu and Kashmir 6

Grand Total 110

47

EBIXCASH BRANCH NETWORK

6

7

5

13

14

2

5

4

8

1

4

3

3

2363

Andaman & Nicobar Islands

Andhra Pradesh

TamilNadu

Telangana

Maharashtra

GOA

Madhya Pradesh

WestBengal

Assam

Jharkhand

Bihar

Gujarat

Rajasthan

DelhiHaryana

Uttar Pradesh

Jammu & Kashmir

1

1

11

Odisha

1

Pondicherry1

14

8

7

EBIXCASH OUTLET

48

EBIXCASH – DOMESTIC PAYMENTS NETWORK

$15.39 $17.84

$21.77

$26.80

2013A 2014A 2015A 2016A

28,28433,043

40,948

50,205

62,156

76,956

2012A 2013A 2014A 2015A 2016A 2017A

20%

9% 9% 10%

52%

1 2 3 4 5 +

% Contribution to Total Volume

# of Services Offered per EbixCash Outlet

33.38 45.82

45.82

62.27

2013A 2014A 2015A 2016A

(millions)

…is Driving increases in the Number of

Transactions at EbixCash Retail Outlets

…And Increases in Average Transaction Size

• EbixCash Retail Outlets are all equipped with internet, printers and scanners to provide real-time access and support for the full

product suite of EbixCash Services

• Consumers can acquire prepaid cards or other financial products at any stage of the 65,000+ EbixCash outlets and use them to

make bill payments / purchases online or through mobile devices

• Consumers also receive guidelines and assistance at the EbixCash outlets, which educate them about digital payments and

additional value-added products

Consistent Growth in the Number of

EbixCash Retail Outlets…

Full-Service EbixCash Outlets Contribute to a Higher

Proportion of Total Retail Volume…

49

EBIXCASH – INWARD MONEY REMITTANCE

NETWORK

Over 70% + market

share in India P2P

Inward Cash

Remittance

Over 60,000+ live locations

– expanding to over

100,000+ locations in India

and new markets such as

Philippines (3rd largest

inward remittance market)

Processes more than $5bn

annualized remittances in

the country

Largest Partner network of

Western Union Globally

Touches 70 percent of India’s

dynamic population covering

568 districts, over 4,000 cities

across the length and breadth of

the country, with presence in

40,000+ villages covering

remote places of the country

1

2

3

4

5

50

PARTNER - PROVIDERS

51

Western Union, 70%

Money Gram, 11%

TransFast, 4%

Xpress Money, 5%

RIA, 8%

Instant Cash & Others, 2%

MTO Market Share%

Note : Above figures are Market Estimates

IMT Industry Landscape

52

EbixCash, 65.5 %

Weizmann, 23.5%

Muthoot Fincorp,

3.8%

IndiaPost, 1.9%

Mannapuram, 3.4%

Supreme, 1.5%

Others, 0.4%

Western Union

53

POINT OF SALE DEVICE

POS

Credit/Debit/Prepaidcards & wallets accepted

Electronic charge slip storage

Instant EMI offer

Pre-approved INR 25000

business loan

Touch screen with signature

capture GPRS or WI-FI enabled

Large capacity battery with long standby time + micro USB port

Cashout facility

EBIXCASH CORPORATE SOLUTIONS

CORPORATE

SOLUTIONS

Payroll & Corporate

Disbursements

Petro | Medical |

Jewellery Card

Meal Card Programs

Reward Programs Incentive Solutions

Gift Cards

Travel & Expense

Management

Forex Services

54

Multi-brand gift card powered by EbixCash, is redeemable against a selection

of leading brands’ gift cards offered online

Customizable options available in both physical card and e-gift card variants

Array of Brand Gift Cards

Instant Digital Gifts

150+ Mono Brand Partners

EBIXCASH GIFT CARDChoice Gift Card

55

Apollo Tyres scheme to reward their Customers

with free Fuel on EbixCash Petro Card on

purchase of commercial vehicle tyres

Augmont India partnered with EbixCash

to sell gold coins on EMI through our pan-

india retail network

Reliance General Insurance rewarded

their employees with Flipkart gift vouchers

as incentives fulfilled by EbixCash

EBIXCASH – A FEW SAMPLE CASE STUDIES

Kirloskar pumps/ Mobiquest launched a

co-branded gift card for their retail

partners, with EbixCash

56

Insurance & BFSI

Pharmaceuticals

Telecommunication

IT & ITES

Serving over 2000+ Indian Corporates & Brands

EBIXCASH - A SAMPLE SPECTRUM OF CORPORATE CLIENTSIndustry Categories

57

FMCG

Real Estate

Auto & Logistics

Airports

Serving over 2000+ Indian Corporates & Brands

EBIXCASH - A SAMPLE SPECTRUM OF CORPORATE CLIENTSIndustry Categories

58

Travel Initiative

60

The Indian travel market will grow by 8% to $27.9 billion in 2017. The market is expected to maintain similar growth levels to reach $38.9 billion by 2021.

OPPORTUNITY SIZE

Figure1: India total and online travel markets, gross bookings (US$B) and online penetration(%), 2015-2021

2015 2016 2017 2018 2019 2020 2021

25

9

34%

26

9

37%

28

11

39%

30

12

40%

33

14

42%

36

16

44%

39

17

45%

Total Travel Market Online (Leisure/Unmanaged) Online Penetration (%)

61

we can see the growth of the Indian market in a longer-term perspective (Figure 3).

The total number of air passengers has more than doubled over the past seven years, from a level of 79 million journeys undertaken in 2010.

OPPORTUNITY SIZE

160

140

120

100

80

60

40

20

0

1997 2007 2017

INDIA

UK

JAPAN

JERMANY

BRAZIL

KOREA

SPAIN

AUSTRALIA

FRANCE

CANADA

Figure3: Increases in air passenger demand, 1997-2017 countries

SOURCE: World Bank, ICAO

Passengers carried by airlines based in each country (million)

“Via provides the best prices for a range of products on the same sign-in”

62

RANGE OF PRODUCTS

MICE

Flight+

Hotel

Car

Bus

Rail

Holidays

Hotel

Flights

FAST GROWING & PROFITABLE TRAVEL PLATFORM WITH

DISTRIBUTION ACROSS INDIA AND SE ASIA

EbixCash (proprietary online platform)

Domestic

flights

Rail, Bus,

Car

Hotels,

Guesthouse,

Homestay

Holiday

packages

Domestic

Money

Transfer

Insurance,

SME

Lending

Recharges,

Bill Payments

Assisted

Ecommerce

Travel – Core & Assisted Value Add – High Footfall

VIA provides single point of distribution

International

flights

Service Portfolio

Distribution channels

Mobile app / Website (B2C) Corporate booking platform

UAE

India

Singapore

Philippines

Indonesia

Oman

India PhilippinesIndia

UAE

Indonesia

Singapore

Thailand Oman

Saudi Arabia

GDS Suppliers – Abacus,

Galileo (over 100 FSCs)

30+ Direct Integrated LCCs

Over 300,000 Hotels through XML Partners Over

10,000 Direct Contracted Hotels

20+ Channel Managers

Govt. Digitization initiatives are creating huge pool of unbanked

population moving to digital economy

1.5 mn app downloads; 2 mn unique registered

customers FY17E GTV: INR 8.81 Bn

105,000 active agents in 2,600 cities, 13,000+ pin codes

Agents growing at over 20% p.a (net of attrition of ~3% p.a)

FY17E GTV: INR 57.7 Bn

5,500+ Small and medium corporate signups

FY17E GTV: 1.43 Bn

VIA agents (offline) (B2B2C)

Source: PhoCusWright, Goldman Sachs Global Investment Research, DGCA 63

LARGE BASE OF 100K+ AGENTS ACROSS 5 COUNTRIES

Strong agent network and corporate channel ensures minimal sales & marketing dollar spend

• Network of 100,000+ active agent

outlets across five countries

• Large agents (IATA/non-IATA)

• Medium agents (cyber cafes, mobile recharge shops, hotel travel desks)

• Small agents (shop keepers with internet facility)

• New product introductions will leverage

on captive customer base – 2 mn+ daily

customers walk-ins into Via outlets

every day

• 1.5 mn app downloads till date

• 2 mn unique registered customers

200% transaction growth in B2C business

across website and app in India in FY16

The consumer demographic in Asian markets are accustomed to transacting face-to-face &

with cash which makes VIA’s large agent network unique & valuable

B2B2C / (Agent outlets)

• 5,500+ sign ups on the corporate

platform

B2C(Web / Mobile) B2B / Corporate

Complemented by fast growing B2C and Corporate channels

64

65

TECHNOLOGY PLATFORM

Technology Platform

Integrated solution

Fully integrated solution running on one platform centralized browser & mobile based application.

Scalable

Robust & scalable – successfully completing 50,000 segments a day.

Connectivity

Real-time & direct connectivity to suppliers for instant confirmations.

Integration

Integrated with multiple payments options (cash, credit/debit cards, net banking & credit).

CRM & Reporting

Strong CRM, rule engine, reports & accounting capabilities.

Personalized deals & store front depending on consumers’

profile & shopping behavior.

Customization

Multi-lingual & multi-currency functionality.

Multi-functional

Complete ERP solution with 24X7 tech support and sales and

marketing support

Support

Payment solutions across distribution channels

• Insulates travel partners from high payment gateway charges

• Single deposit for multiple transactions

Net Banking

Via/3rd party Mobile wallet

EMI

Credit Card

Meetings

And EventsSports

Travel

Swiss

Voyages

The Rail

Journey

Luxury

Holidays &

Safari

66

RANGE OF PRODUCTS

SPORTS TRAVEL

Mercury specializes in creating tailor-made packages for ardent and enthusiastic sports supporters who believe in

going the extra mile to show support and boost the morale of their team or sports personality they root for.

Mercury offers such sports enthusiasts travel packages that meet their unique requirements.

An Innovative Step taken to differentiate Mercury from other similar companies.

67

SPORTS TRAVEL

Recent milestones in Sports Travel are the acquisition of rights

2ICC Cricket World Cup 2019

1FIFA Football World 2018

68

THE RAIL JOURNEYSExploring India on a Luxury Train has become extremely popular in recent years.

It offers an excellent way to see the

country without having to pack &

unpack daily, especially for the

elderly tourist.

As more and more people are

becoming aware of carbon

footprints more and more people

choose to travel by train.

The Rail Tourism also serves as

a door opener with most of the

operators.

The Indian Luxury Train market

at present with its inbound share is

at USD 30 million, with average

occupancy of 42%, across 4 trains.

This can grow by further USD 17 million, as all the luxury trains are not sold to their capacity, especially

Maharaja express being the forerunner at present. The trend of Signature Journeys is also catching up

with special charter journeys for selective operators.

1

2

5

4

3

69

Switzerland based Destination Management Company specializing in incoming tours into Switzerland from all

over the world. Our team of Switzerland Specialists have the local expertise and knowledge to offer superior

destination management services to our worldwide customers.

We are the proud members of Switzerland Tourism.

70

SWISS VOYAGES

CLIENTELE

71

Banks

Insurance Sector

Finance FMCG

FMCD Cement Others

IT TAKES DECADES OF CAPITAL & HARD WORK TO BUILD

A MULTI-SIDED TRAVEL PLATFORM FROM THE GROUND

UP…

60,000,000+Customers Trust VIA &

Mercury

2,000,000+Daily Customer Footfall

5,500+Towns & Cities Presence

260,000+Agent Network

10,000+Diversified Suppliers

72

An e-Learning Initiative

EBIX SMARTCLASS

74

Vast repository of

digital rich-media

content across grades

K-12 mapped to meet the

specific objectives laid out

by the Central and State

Education Boards

in India

300,000 sessions

everyday

Recipient of

multiple awards by

World Education Summit

Delhi 2017, Edtech

Review 2018, IDC

Digital Transformation

2017 etc.

Subscribed by over

5,500 schools,

65,000 classrooms

and 2.7 million

students

Content available

across 12 boards

and 5 regional

languages

BUSINESS SPREAD

Digital Classrooms

65,000+

2.7 million +

Customer Base

5500+ schools

76

MARQUEE CUSTOMERS

77

215classrooms

Parthana School

Bangalore

Sowdambika Group

Trichy

Akal AcademyMultiple Schools

New CosmoEducation Society

4 BranchesBangalore

Zion Group

Chennai

Delhi PublicSchool

Bangalore/Mysore

NarayanaGroup

Nagpur

Chief Khalsa Deewan

Multi City

Multi City

DioceseJalandhar

Multi City

234classrooms

250classrooms

274classrooms

350classrooms

403classrooms

630classrooms

640classrooms

1450classrooms

A PIONEERING VENTURE

(THE FIRST OF ITS KIND IN THE WORLD)

Goal is to convert 260,000+ outlets of EbixCash

into insurance point of sale digital outlets

BSE - EBIX JV INSURANCE EXCHANGE

BSE - EBIX JV

INSURANCE EXCHANGE

• 260,000+ EbixCash outlets

• 500+ Sales Staff

• Presence in 5500+ CITIES,

TOWNS AND VILLAGES

• Leadership in money

transfer(domestic and

international), Travel booking,

prepaid and gift cards, utility bill

payments etc.

• 5,000+ Mutual Fund Distributors

• 1500+ Broker members

• Financial aware network

• 24 Branches

78

Ebix has entered into a joint venture with Bombay Stock

Exchange of India (BSE) to set-up of first of its own kind

Insurance Exchange platform in India

1

BSE was set-up in 1875 and is Asia’s first & world’s

fastest Stock Exchange with a speed of 6 microseconds

2

BSE has network of more than 1,500 stock brokers and

5,000 mutual fund distributors across India

3

New venture has been branded as BSE-Ebix Insurance

Exchange

4

This will allow Insurance Carriers (both on life and

non-life side) to sell life and non-life products through

distribution network of BSE and EbixCash, which covers

the entire depth and breadth of India comprising of

population of over 1.3 billion

5

Exchange platform will leverage Ebix’s end-to-end

Insurance Exchange technology, and will encompass

the entire insurance life cycle from customer relationship

management, agency management, multi-quoting,

underwriting, policy creation, claims filing & settlement,

to back end insurance policy administration

6

BSE - EBIX JV

INSURANCE EXCHANGE

79

BSE - EBIX JV

A NEW PARADIGM FOR CONSUMERS

Idea is to reach out to the consumer in every nook and corner of

India through last mile based small outlets

To be able to write insurance business digitally on hand-held

devices in minutes, by using Ebix’s end-to-end insurance

technology expertise

80

Flexibility for carriers to tweak product

offerings for each of sub-channel/segment

BSE - EBIX JV

BENEFITS TO CARRIERS

Unique distribution that includes large,

medium and small BSE brokers, members,

mutual fund distributors

A new age end to end electronic platform

for best User Experience

Future ready platform for carriers to

setup/manage product directly on the

exchange

Option to setup auto UW rules, product

specific configuration on platform without

managing the same on its legacy platform

Claims integrations

Sales Trend Analytics:

Analysis about product performance across

platform/geographies/segment, etc. {Subject

to data sharing norms prescribed by local

regulator and policies of the carriers}

81

82

(Formerly Miles)

COMPANY OVERVIEW

Project PMS has developed product modules and a deep understanding of each focus geography; Product Architecture

provides for country specific features to be seamlessly adopted in the rules, integration and reporting layers

• Multi-channel, multi-asset solution covering the entire wealth

management lifecycle

• Key functions include CRM, financial and investment planning,

order management and revenue management

• Multi-asset and multi-currency asset management solution

• Covers all front (order management, portfolio optimization),

middle (order execution, compliance, decision support) and back

office functions (settlements, fund administration, portfolio

accounting etc.)

• Multi-market, multi asset global custody solution to manage the

entire custodial banking business

• Facilitates trade processing and corporate actions, online trade

execution, reporting and third party integration with CBS

• Market Leader in Security based lending and getting into

Supply Chain financing

• Comprehensive solution for lending and collateral

management with substantial collateral coverage and types of

lending

Flexible Deployment

(SaaS or On-premise)Single Code Base

Modular

Technology Stack

Scalable

Architecture

Completely

build in .Net

WEALTH MANAGEMENT

SOLUTION CUSTODY SOLUTION

ASSET MANAGEMENT

SOLUTION

SECURITY BASED

LENDING

83

With presence in MEA, SEA and UK, Project PMS is the #1 provider of Asset and Wealth Management Software in India and top 3

in other Emerging Markets

KEY SOLUTIONS

Comprehensive solution covering the entire wealth management lifecycle

Automates and integrates the end-to-end process with a modular suite of solutions

Easy interface with core banking systems and multi-channel delivery

Complete asset management solution covering all front, middle and back office functions

Supports multiple asset classes and currencies

Integrated fund accounting feature

Multi-market, multi asset global custody solution to manage the entire custodial banking business

Provides a customer – client interface to view and transact

WEALTH MANAGEMENT ASSET MANAGEMENT

CUSTODY

One stop loan, collateral and real-time risk management solution for all lenders

Supports multiple types of collateral such as fixed income, equity, mutual funds and multiple types of lending like promoter funding and portfolio leveraging

SECURITIES BASED LENDING

Robust compliance monitoring solution covering UCITS, NURS, IMA and Prospectus Rules; Also includes leverage monitoring under the AIFMD regulations

Plug and play interfaces with most popular custodian solutions – to take positions and trade data

COMPLIANCE SOLUTIONS

MONEYWARE® RICH & COMPREHENSIVE WEALTH

& ASSET MANAGEMENT PLATFORM

84

MARQUEE CUSTOMER BASE ACROSS

FINANCIAL INSTITUTIONS

Steadily Growing Tier 1 Customer Base of Banks, Wealth & Asset Managers, with over 200 installations,

across 15 countries

85

86

(Formerly Indus)

EXECUTIVE SUMMARY

Banking & Finance

Mortgage, consumer and SME lending,

receivables and risk management solutions

for financial institutions

Insurance

Customer acquisition and retention

solutions supporting life, health and

property & casualty insurance businesses

Telecom

Customer acquisition, credit

management and collections solutions

for large telecom operators

Captive Auto Finance

Consumer auto loan and dealer

inventory financing solutions to

captive auto finance divisions

Developed Markets: Financial institutions possess disparate Legacy systems for

different products (mortgage, credit card, etc.) that may not properly integrate with

other systems nor adhere to compliance, risk management or security standards

Developing Markets: Lending in developing nations is expanding at a rapid pace

creating demand for a next generation platform

Indus offers mission-critical

end-to-end software solutions

for loan origination,

management and collections

Opportunity

Loan Management

Loan Origination

Loan Collections

• Manage end-to-end applicationprocessing

• Acquire in a completely digital environment with flexible workflows and mobile functionality

• Achieve risk management and operational efficiencywith analytics engines

• Deploy intelligent collections to provide a strong credit infrastructure for more

aggressiveproducts

• Identify high risk accounts and proactivelycommunicate

• Streamline collections and restructuringworkflows throughout financial and legalstages

• Enable effective loan accounting, customerservice, compliance and controllership

• Automate customer segmentation andcommunication

• Simplify invoice and portfolio managementprocesses

87

EbixCash Lending Solutions (formerly Indus) is a global provider of enterprise software solutions used for end-to-

end loan management including loan origination, management and collections – to financial institutions, captive

auto finance and telecoms

Providing Lending Solutions for 20+ years

150+Installations

40+Countries

With focus on BFSI segment

Delivery Centers

BFSI

TELECOM

ChennaiPune

(Erandwane & Bavdhan)

LENDING SOLUTIONS

88

Banking & Finance

Captive Auto

Finance

Telecom

Insurance

ENTERPRISE BLUE CHIP CLIENTS

89

Lending Services Through

EbixCash Outlets

Powering Technology for Lenders

In any Industry

Peer to Peer Exchange Available

Mobile Payment

E-Wallet

Web

FUTURE VISION

90

90

E b i x C a s h L o g i s t i c s D i v i s i o n

R E D E F I N I N G T R U C K I N G L O G I S T I C S

Gateway between Shipper and Transporter

Defining Travel Logistics

92

93

94

Easy to Use

PLATFORM

STEP

1

STEP

2

STEP

3

STEP

4

Shipper Uploads Shipment

Delhi - Patna

Full Truck

Shipper Select Offer

Carrier ACarrier BCarrier C

₹ 54,000₹ 55,000₹ 58,000

Accept

Carrier Make Offers

Carrier ₹ 55,000

Give Quote

Delivered

Shipper Rates Carrier

Delhi - Patna Carrier B Rate Carrier

How to Order your Truck

95

Client Names

96

9798

A FEW STRATEGIC THOUGHTS

www.ebix.com

THE SECRET MANTRA

COST PRICE SELLING PRICE

KEY COMPANY GOALS

Operating Margins of 30-35%On Demand SaaS recurring

revenue streams

98

EBIX’S ACQUISITION PHILOSOPHY

Marketplace

remains robust

Constantly

Evaluating

companies

Looking at

domestic and

International

exchanges

Immediately

Accretive to

earnings

High Cash

Flow

generation

Operating

Margins that

can reach 30%

or more

within 6 months

of acquisition

75% or

more of

Recurring

revenue

Expands

our sales

reach

Usually

Structure

acquisitions with

an Earn-out

feature

Complements

our existing

product base

Adds to our

Customer base

Low

Customer

Attrition

rates

SaaS and

Cloud based

solutions in our core

verticals

CRITERIA

99

100

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