About Wiz

Operations and business model 2Q20 performance

1973

2012

2014

2015

2016

2017

2018

2019

2020

IPO

The

New Management

B2B Channel's

Wiz' IPO

Remote Channel

founding¹ of

New Shareholders

Consolidation

(jun/15)

Platform Creation

Wiz

Acquisition of

Insourcing of sales,

renovation,

GP Investimentos

two independent

upselling

and CAIXA

brokers, focused

and multichannel

Seguradora

on Special Risks

cross-selling

became new

operations.

shareholders,

committing to

making the IPO

Wiz

Wiz B2U's

Corporate's

Inception

Inception

(1) Note: Wiz was founded under the name of "FENAE Corretora" , which also became "Par Corretora" before being called Wiz

Timeline

New Operational

BU of

Partnership

Company's first

Digital

Contracts

Bancassurance

between Wiz and

M&A operation:

Partnership

BMG

Finanseg's

With Caixa

Operation seeks to

Wiz + Banco Inter

Acquisition, focus

sell insurance in

Seguridade,

on financial

indirect B2B2C

Caixa Seguros

services sales

channels.

Holding and CNP

(Consortia).

Assurances

Credit Operation:

Home-Equity-

type loan

Wiz

Wiz BPO's

Parceiros's

Inception

Inception

Wiz Conseg's

Inception

Wiz has a successful track record of strong finance and operations, supported by strategic partnerships

3

Our

Shareholder

Structure

INSS

48.2%

51.7%

0.1%

Caixa

Seguros

Free-float

Holding - CSH

26.0%

25.0%

49.0%

40.0%

40.0%

75.0%

76.0%

85.0%

30.0%

40.0%

40.0%

GR1D 70.0%

Finance

4

Our core business is managing distribution channels for financial products and insurance

WIZ'S STRATEGIC AND OPERATING MODEL

Finance,

Market

Marketing

Institutional

People and

and

Products

Legal and

Relations and

Corp.

and Tech

Commercial

Management

Compliance

M&A

Relations

DISTRIBUTION

NEW

Units

BUSINESSES

ENABLER

Units

CORPORATE

  • Safeguarding of corporate structure
  • Scalability for new businesess
  • Structure focused in M&A

BUSINESS UNITS

  • Autonomous Units
  • Direct accountability for results
  • Focused in operational efficiency and financial results

5

REDE

Products

Customers

% Revenue 1,2,3

Bancassurance

Life Mortgage Credit Life

Property &

Casualty

Traditional

Auto

93% 92% 82% 80% 70% 69%

Substitutes

Pension

2015 2016 2017 2018 2019 2020

Capitalization Consortium

Plans

% Stock5

49%

Wiz

B2U

Wiz

Parceiros

Wiz

Corporate

Wiz BPO

Life

Property &

Auto

Casualty

Breach of

Credit Life

Consortium

Warranty

(...)

Warranty

Civil

Agro

Life

Engineering

Liability

sales-After

Life

Pension

Capitalization

Other

Personnel

Allocation

Plans

Document

Mortgage

Credit Life

Management

Consortium

0% 0% 0% 2% 2% 2%

4

2015 2016 2017 2018 2019 2020

0% 0% 9% 9% 8% 8%4

2015 2016 2017 2018 2019 2020

7% 8% 8% 8% 6% 6% 4

2015 2016 2017 2018 2019 2020

0% 0% 2%

2%

12% 14%

4

2015 2016 2017 2018 2019 2020

82%

76%

28%

0%

(1) Proforma Adjusted Gross Revenue; (2) Does not consider the Healthcare business unit, due to its operation being paused in 2017; (3) BPO Revenue considers only the Consortium product. The other products will start as

6

revenue vertical in 1Q19; (4) 1H20 based numbers; (5) Percentile of gross revenues over the inventory from revenue stock (deals that were already closed and are being paid for) - 1H20 based numbers.

Financial and

Operating

Highlights

Consolidated Gross Revenue Evolution

Net Income Evolution

R$ MM

R$ MM

CAGR

CAGR

24%

-23%

38%

1%

392

451

592

656

764

130

148

163

184

224

111

297

358

360

62

88

85

230

24

169

2012 2013 2014 2015 2016 2017 2018 2019

1H19 1H20

2012 2013 20141201512016 2017 2018 2019

1H19 1H20

EBITDA Evolution

Total Headcount Evolution

R$ MM

Qty

CAGR

44%

CAGR

3%

-10%

14%

395

1,951

2,368

2,3252,394

268

316

1,485 1,619 1,676

1,815

189

210

189

169

1,197

125

931

88

31

1

1

1H191H20

2012 2013 20141

201512016 2017 2018 2019

2012 2013 2014 2015 2016 2017 2018 2019

1H19 1H20

¹ Net of pre operating expenses with the IPO.

7

Wiz' management model: good operational performance and continuous delivery of good results

Consolidated Proforma Gross Revenue

In BRL MM

Inventory Revenue

New Sales and other Revenues¹

184.6

200.5

205.3

190.7

150.5

157.1

157.7

149.6

148.9

163.9

170.0

173.0

173.3

169.4

115.8

123.8

71.6

86.9

91.8

92.5

96.8

105.5

120.6

123.1

112.2

89.9

56.6

66.1

88.3

97.0

97.5

87.7

59.2

57.7

62.2

60.1

60.2

61.9

77.3

77.0

78.1

80.5

76.5

79.1

79.9

82.2

78.5

79.5

3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20

Consolidated Adjusted EBITDA Margin

54.0%

46.9%

57.0% 62.5% 55.6%

45.9%

54.5% 56.1%

55.8% 54.9% 54.9% 54.7% 57.2% 56.8%

51.8% 54.3%

3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20

Dividend Payment²

in BRL MM

140.0

183.1

113.3

66.6

81.4

81.8

56.5

2014

3

2015

2016

2017

2018

2019

2020

Note: (1) Consider revenues from new sales and "Other Products" revenues, that, due to its lower relevance, are not broken down within "stock revenues" and "new sales". (2) On 2H17 there were changes on

Dividend payment policies of the Company, which now is set as an annual payment. Dividend paid in 2018 are due from the second half 2017 income. (3) Dividend approved in the board meeting for distribution

8

throughout 2019, was paid in two installments:the first amounting R$53.3 million in May/19 and the second amounting R$124.4 million Nov/19. (3) Of the total dividends paid in 2015, 54.6% were paid before the

IPO and 45.4% were paid after the IPO.

About Wiz

Operations and business model 2Q20 performance

Channels

and Operations

MARKETING AND TECH

PEOPLE AND MANAGEMENT

LEGAL AND COMPLIANCE

REDE

saúde

69%*

2%*

8%*

6%*

14%*

1%*

0%*

0%*

*Share of each segment on the 1H20 total consolidated revenue.

Our specialized commercial network provides support to direct sales of financial products and insurance, thus boosting results

SALES ASSITANTS (ASVEN) OPERATIONS

  • Sales of non-bancassurance products
  • Sales enhancement in customers portfolio
  • Aid and development of bancassurance products
  • Main focus: assisting with insurance products
  • Structured Relationship with branch manager
  • Manager Relationship interface

ASVEN

OPERATIONS ENVIRONMENT

AVERAGE

1,400 payroll credit trans./year

PROFILE OF

1,500 new accounts/year

A BRANCH

WITH SALES

45k costumers/branch

ASSISTANT

WizOn

TECH

Intranet Wiz

FRAMEWORKS

CRM Wiz - ASVEN web portal

Wizity - Corporate Education

Wiz Sales Network

NATIONWIDE PRESENCE

PEOPLE

$ EXPENDITURE

+1.000 SALES

Compensations Strategy:

Opex (In R$MM)

ASSISTANTS located

Meritocratic driven, according

112.0

in CAIXA's branches all

94.2

104.0

91.6

92.1

over the country

to performance ranking

Turnover of 31.2% yearly

400 Brazilian

municipalities

within commercial Branch

2015

2016

2017

2018

2019

covered

11

People, Technology and Management: the foundation of our results

Wiz'

In Loco

Network

Operates within CAIXA's branches, being solid and responsive to new strategies business model.

ALLOCATION

INTELLIGENGE

Non-assisted Branches

Assisted Branches

Allocation Model

Allocation by business

potential

Ideal exploit of people resource regarding technology use

RECRUITING

Performance and

cost reducing

operation, using digital recruitment processes

Broadcasting in

Social Media

Online interviewing

Whole process managed by mobile apps.

DEVELOPMENT

Remote and online

training, to

guarantee greater agility and range of workforce capacitation

better awareness of our company and products

Specific assignments to encourage learning

Update about products, sales techniques and skills

Leadership development

SALES MANAGEMENT

MODEL

The combination of people, processes and technology ensure the local actions are in line with our strategic challenges.

Action planning

Performance

Management

Quality relationship with CAIXA

12

IN LOCO OPERATION WITHIN

1.000+ Sales Assistants (ASVEN)

Strategically allocated in CAIXA's branches throughout Brazil's territory

Engagement framework for the Bancassurance Business model

1

ASVEN

Financial transaction

Support, product

suitability and promotion

of Bancassurance

CAIXA's

insurance

products

Customer

Employee

Margin-increase process on direct

2

sales

ASVEN

Sales to selected

Insurance

Segmenting client

customers judged inclined

to acquiring products and

portfolio

insurance

Customer

1 Bancassurance Model

Insurance proposal suggested whilst realizing bank

transaction

Insurance

Transaction

1st proposal

2nd proposal

Account opening

Life monthly payment

Pension Monthly

Payment

Payroll Loan

Life credit insurance

P. Bond

Mortgage loan

Residential "LAR+"

Life Bullet Payment

Cash flow

Life credit insurance

Corporate MR

Focus point on Insurance acquiring orientation

Support, product suitability and product promotion

ASVEN

Structured relationship with General Manager

Managers relationship interface

Total sales- Life Credit insurance / Payroll Loan

60%

40%

20%

0%

2015

2016

2017

Total sales - Life monthly Payment/ Account opening

20%

10%

0%

2015

2016

2017

Total sales - Residential / Mortgage Loan

75%

50%

25%

0%

2015

2016

2017

2 Margin Increase process on direct sales

Portfolio

Margin Increase

process

Analysis and

Renewal

correlation of

products in

client's POV

Recovery

Creation of a

"inclination to

purchase" score for

Cross sell

the client portfolio

Digital quest for

data enriching to

Upsell

create

opportunities

Sources: (1) Referring to 1Q20 data, given the suspension of Asvens' employment contract during 2Q20.

Sales

assitants

enterprise

Digital LEAD displaying framework for the sales assistant

Customer driven approach

Managing and keeping track of results

Results

3.0 MM

Leads worked on in the LTM

R$ 172MM

Total premium generated in

LTM

22%

LTM Average

Conversion rate

CAIXA, one of Brazil's largest banks, has been gradually increasing its focus in insurance

Ranking of Banking activities (Dec-2019)¹

Customer

Deposits

Credit

Assets

base

Portfolio

1st

2nd

1st

3rd

3rd

3rd

3rd

2nd

2nd

4th

4th

4th

4th

1st

2nd

1st

5th

5th

5th

5th

About CAIXA (4Q19)³

+3,300 branches

+ 103MM customers

+ 106MM accounts

+ 8,100 Caixa Aqui Correspondents

+12,900 lotteries vendors

Insurance Premiums considering bancassurance² (FY19)

BRL bln

2nd

Bancassurance premiums ex-Mortgage Credit Insu.

11.0

Premium from Mortgage Credit Insu. product

0.3

6.6

5.5

5.4

3.9

10.7

2.4

0.4

0.3

2.2

2.1

1.6

5.1

0.4

4.1

5.1

3.5

2.2

2.1

1.6

Fastest growing insurance counter network in Brazil

Premium

CAGR 2010-2012

CAGR 2012-2018

18.6%17.1%

22.4%12.3%

21.5%0.2%

22.1%10.2%

11.9%3.1%

Bibliography: (1) BACEN; (2) SUSEP data - Considering Bancassurance products: Life, Personal Incidents, Credit Insurance, Residential, Corporate RM, Mortgage e Rural; and (3) Source: CAIXA´s

16

4Q19 performance report.

Channels

and Operations

MARKETING AND TECH

PEOPLE AND MANAGEMENT

LEGAL AND COMPLIANCE

REDE

saúde

69%*

2%*

8%*

6%*

14%*

1%*

0%*

0%*

*Share of each segment on the 1H20 total consolidated revenue.

The bedrock of our day-to-day operations

DIGITAL

COMMERCIALIZATION

Fostering and

Enhancing

capturing LEADs

conversion and

for further sales

Wiz's commercial

and renovation

magnitude

TECHNOLOGY

Providing low

Intelligence

Managing results

cost multi-

channel options

and boosting the

internally

channel

QUESTS

Securing sales

channel and

renovation

Digital solutions that boost results due to opportunities naturally generated by our business. Thus becoming the Margin Increase Process.

Activation quests complement the sales channels which leads to the client making the purchase via the remote and digital channels

DIGITAL QUESTS

Margin Increase

strategies

REMOTE

  • Call- center focused on sales and customer service
    • Trained professionals directed to the customer loyalty
    • Complimentary sales-driven mindset in any sales mechanism where the agent is undergoing an active listening phenomena

DIGITAL

2

Different sales mechanisms

Whatsapp, e-mail, SMS, website, among others

Digital approach to CRM

  • All sales channels are driven to incentivize digital relations

OMNICHANNEL OPERATIONS STRATEGY

RELATIONSHIP AND SALES DRIVEN MENTALITY IN ALL BUSINESS

FRONTS

NEW SALE

Product offering to new customers

RENEWAL

Selling after the contract expires

CROSS SELL

Selling to clients that have already purchased one or more products

UPSELL

Further expansion of coverage into already sold product

RECOVERY

Re selling either cancelled or not finalized past contracts

19

Channels

and Operations

MARKETING AND TECH

PEOPLE AND MANAGEMENT

LEGAL AND COMPLIANCE

REDE

saúde

69%*

2%*

8%*

6%*

14%*

1%*

0%*

0%*

*Share of each segment on the 1H20 total consolidated revenue.

Consortium Market

Information about local consortium market

Consortium: Purchase approach based on the association of a group of individuals or corporations with the goal of pooling resources to acquire property, services or other assets.

Market has been

+ 7.3 MM of active

Variety of assets

present for more

than 50 years

costumers

attached

Wiz Parceiros operation shows great

growth potential

Sales evolution of consortium contracts¹ (Bn BRL)

0.1% 0.2% 0.3% 0.5% 1.1% 0.8% 1.7% 2.2%

151.9

174.0

171.1

171.1

160.7

176.0

164.3

178.6

186.4

207.1

71.4

2010

2012

2014

2016

2018

Jan-May 20

Volume of Quotas Sold

Market Share of Parceiros' Operation

Main types of Consortium

Real Estate Consortium

Sales of Real Estate consortium contracts¹ (Bn BRL)

0.2% 0.6% 0.7% 1.2% 2.9% 1.8% 4.1% 5.4%

51.4

51.5

44.4

44.2

40.8

57.8

51.8

65.5

62.4

62.4

26.3

²

2010

2012

2014

2016

2018

Jan-May 20

Volume of Quotas Sold

Market Share of Parceiros' Operation

Light Vehicles & Motorcycles Consortium

Sales of Vehicle consortium contracts¹ (Bn BRL)

0.0% 0.0% 0.1% 0.1% 0.2% 0.2% 0.3% 0.4%

100.9 122.0 127.1 127.1 119.7 118.0 112.3 113.1 124.0 132.8

45.1

²

2010

2012

2014

2016

2018

Jan-May 20

Volume of Quotas Sold

Market Share of Parceiros' Operation

Note: (1) Estimates based on the number of contracts sold according to ABAC and industry average ticket.

21

Considering only Light weight vehicles, Motorcycles and Real Estate..

Parceiros operations is dedicated to real estate and auto consortium contract sales outside CAIXA's branches

Operating Model

B2B2C design - Prospects and

stimulates customer sales

Wiz' sales division

Accordance and

encouragement of sales consortium of Caixa Consórcios

  • Specialized partners prospections
  • Stimulus to sales of products from Caixa Consórcios (Auto and Real Estate)
  • Training and development of partners

Partners

PRODUCTS OFFERED

REAL ESTATE

88% Channel sales In Average volume

INSURANCE

Insurance products developed to guarantee customer safeguard from risks attached to the consortium contract transactions

(...)

(...)

Customers

212k

89

Reais

months

Letters Average

Average duration

ticket

AUTO

56k 30

Reaismonths

Average ticket Average duration

BREACH OF

WARRANTY

CREDIT LIFE

Insures the pool of investors against individual defaults

Insures the payment of the debt in case of death or permanent disability

22

Parceiros Platform

#1

#2

#3

#4

#5

#6

Support

This channel's main function is for the partners to resolve any inquiries they might have over the product, processes, systems and payments

Support

Comission

Profitability

Remote

Quotas

material

planning

planning

courses

Simulation

The materials

Backing up the

Show the

Courses

Monthly

are

partners sales

business

focused on

generating a

personalized

team and helping

owner a sales

product

simulation to

and digitalized

them

and costs

enhancement

purchase

materials that

estabilishing

forecast

and sales

multiple

help the

goals. Help

contributing to

techniques

consortium

partners

managing their

the better

quotas.

backup their

LEADs portfolio

management of

arguments

to maximize

the business.

whilst

results.

generating

value to the

business.

The partner network represents a material part of all the consortium revenue for CAIXA Consórcio

325mm¹

Of all sales

In total letter value per month

237

made by

45% Caixa Seguradora

in 2019

Total partners

19

Brazilian

States

Strong and steady results due to Wiz's coverage over the majority of the country's territory

¹ Jul19-Jun20 Average.

Channels

and Operations

MARKETING AND TECH

PEOPLE AND MANAGEMENT

LEGAL AND COMPLIANCE

REDE

saúde

69%*

2%*

8%*

6%*

14%*

1%*

0%*

0%*

*Share of each segment on the 1H20 total consolidated revenue.

Corporate

Insurance broker focused on business contracts

Civil Liability

Denominated

Agribusiness

Financial

Property

Life

Risks

CL

General

Crop

General

Engineering

Group Life

CL D&0

Aviation

protection

warranty

Multi-risk

Insurance

- Target audience are

Marine

Livestock

Legal warranty

Freight

high ranking

protection

executives

  • CL E&0
  • Target audience are service providers

Operates as a specialized unit focused on corporate customers, supplying customized insurance products

STRUCTURING

SALES FORCE

Sales Channels

Proprietary

Teams

Products

Marketing

Sales

Exclusive

Treinamentos

Consultores

Correspondents

de Canal

Partner

DBM

Backoffice

Insurance

Firms

TECHNICAL SALES SUPPORT

IT, Human Capital Management and Finance

Corporate Customers

STRUCTURING

  • Product Design & Analysis
  • Structuring & monitoring the sales channels
  • Sales support intelligence

TECHNICAL SALES SUPPORT

  • Assistance to the product design
  • Technical division and risk advisory
  • Technical advisory towards the bank and major customers

SALES FORCE

  • Sales force formed by specialized consultants
  • Nationwide coverage
  • Prior and post sales Backoffice support

27

Risks and commercial intelligence consulting

Wiz Corporate relies on a team with 90 specialists

Support in

RR

AM

AP

PA

MA CE

Placement with operation with more

product design

AC

RO

Technical Consulting provided to the bank and major investors

MT

MS

PI PE

TO

BA

DF

GO

MG

SP

than 50 insurance companies

Over 114k RCPM contracts signed in 2019

Pre and after sales infrastructure backed by Wiz's BPO & B2U

PR

R$ 328 million of contracted

SC

RS

premiums in 2019

Proprietary Brokerage

Exclusive Brokerage Partner

Channels

and Operations

MARKETING AND TECH

PEOPLE AND MANAGEMENT

LEGAL AND COMPLIANCE

REDE

saúde

69%*

2%*

8%*

6%*

14%*

1%*

0%*

0%*

*Share of each segment on the 1H20 total consolidated revenue.

+

Wiz's services and operations branch

Providing precise solutions to enhance the performance of our clients' businesses

Division specialized on insurance and financial products

PARE

AFTER-SALES

CLAIMS ( i.e.

RETENTION

CONTEMPLATION

REGULATION /

charging

/ CASHING-IN

INSURANCE

unpaid dues)

CLAIMS

Customer

Service

Specialized customer service with thorough

Digital Recruiting

knowledge of the marketplace.

Career incentives

Learning and development

Multi-channel

Quest

Multi-channel quests are used to communicate to the client the overall development of the ongoing process. The customer is free to choose his communication channel of preference.

  • Phone
  • Email
  • Chat
  • WhatsApp
  • App

Integrated service

platform

All the client's experience concentrated in one place. Integrated communications, no matter which sales channel. All of this adds up to transparence and responsiveness for the customer.

CRM

Cloud

In-house

Platform

storage

team

Integrated workflow

systems for BackOffice

Custom workflow with automated solutions

Custom

Integration

Integrated

integrated with our service platform.

Workflow

solutions

Bots

AI

Our

Services

CUSTOMER EXPERIENCE

Tailor-made customer service to enhance customer satisfaction

BACKOFFICE / AFTER-SALES

DOCUMMENT MANAGEMENT

SERVICES

Operational management focused in

Thorough management of client's

implementing business advancements by

physical filing system. Pre-analysis of

generating efficiency gains with better

documentation for BackOffice processes.

routine management, team allocation

and automations.

HR / EXPERT ALLOCATION

CLAIMS

OMBUDSMAN

Expert allocation with the selection of

Integrated handling of the billing and

Solving received complaints that weren't

due payments from the client, optimizing

solved through regular means.

those who are best fit to an specific

the recuperation ratio of unpaid bills.

Gathering of data to back up eventual

client's need, whichever original

legal and extrajudicial lawsuits

company segment that expert might

come from.

Our main clients

+

742 experts

+

+6.2k contracts managed/month

380k appointments completed

(apr. 2020-Mar 2019)

Our

36% digital appointments

numbers

94%NPS rate of approval

Channels

and Operations

MARKETING AND TECH

PEOPLE AND MANAGEMENT

LEGAL AND COMPLIANCE

REDE

saúde

69%*

2%*

8%*

6%*

14%*

1%*

0%*

0%*

*Share of each segment on the 1H20 total consolidated revenue.

WIZ CONSEG WILL BE FOCUSED ON THE AUTO INSURANCE VERTICAL OUTSIDE THE BANCASSURANCE ENVIRONMENT

In the past 6 years

Total insurance premium in Brazil had an average incresase of 4% YoY, with a drop of 2% YoY in bancassurance and increase of 6% YoY outside branches.

WIZ' youngest business unit is born with the goal of enhance insurance and financial services distribution in the Auto Vertical outside the bancassurance environment.

AUTO VERTICAL

MOTOR COMPANIES

INTEGRATORS

DEALERSHIPS AND RETAIL

Manufacturers motor companies, local and foreign.

Platforms and operations that support the interface between motor companies and dealerships.

Dealership and wholesale network that perform the distribution of new and used vehicles.

36

WE WILL USE ENABLERS WIZ AND TWO MARKET

ENHNCING MODELS FOR THE BUSINESS UNIT

EVOLUTION

2 STRATEGIC MODELS FOR THE

GROWTH OF THE B.U.

ENABLERS WIZ ALLOWS TO

ESCALATE AND REDUCE THE

TIME TO MARKET

STRATEGIC

Widening of dealership

1

networks with

CONSOLIDATION

ENABLERS WIZ

exclusivity.

Full structure enabling remote

1º MOVEMENT

and digital sales.

TOWARDS STRATEGIC

CONSOLIDATION

Complete structure enabling post-

sales and concierge

STRATEGIC

Operating agreements

2

using success fee in

PARTNERSHIP

Full structure for engagement and

dealearship networks.

promotion of sales.

37

FIRST STRATEGIC CONSOLIDATION OCCURS BETWEEN WIZ AND GRUPO BARIGÜI

1ST STRATEGIC CONSOLIDATION

  • Grupo Barigüi is one of the largest dealerships in the country, leader in the South region of Brazil.
  • Holds over 25 years of experience in the Brazilian market, with 60 dealerships in 16 cities in the south region and over 2,500 employees.
  • The Barigüi network accounts for over 10 different car brands and already sells over 50.000 vehicles per year new and used vehicles.

Source: Grupo Barigüi

This movement enables a new distribution counter for Wiz' insurance

and distribution channels.

BARIGÜI NETWORK DISPERSION

%AUTO INSURANCE PENETRATION IN THE SALE OF VEHICLES

Immediate

opportunity to

reduce the

dispersion and

Average of 6%

increase general

penetration.

penetration in

the entire

Opportunity for

network

automatization

and broaden its product portfolio in other segments as Home Insurance and Life Insurance.

38

WIZ CONSEG STARTS ITS OPERATION THROUGH MATERIA STRUCTURE OF DEALERSHIP NETWORKS

Key Products

Financial Results1

(R$ MM)

Auto

Life Credit

Residential

Insurance

Insurance

Insurance

GROSS REVENUE

(R$ MM)

7.5 7.8

3.8 3.2

2018

2019

1H19

1H20

COSTS (R$ MM)

5.1 4.3

2.2 1.4

2018

2019

1H19

1H20

Footprint

PR/SC

STATES

+20.000

ACTIVE CUSTOMERS

Operating Results1

NEW SALES AUTO

AUTO PORTFOLIO

(000)

AUTO NET PREMIUM

13.6

(R$ MM)

INSURANCE (000)

10.5

2.0

1.1

14.2

14.6

1Q19

1Q20

1H19

1H20

1H19

1H20

*Financial and operating Results regarding Barigui Corretora. (1) Managerial figures

39

Channels

and Operations

MARKETING AND TECH

PEOPLE AND MANAGEMENT

LEGAL AND COMPLIANCE

REDE

saúde

69%*

2%*

8%*

6%*

14%*

1%*

0%*

0%*

*Share of each segment on the 1H20 total consolidated revenue.

Complete Solutions for Individuals and Corporate entities with a diverse list of products

Custom SME*

SME

Individual Contracts

Middle

Individual

Corporate

* Product developed by Wiz

Wiz' Channels

REDE

Generating Leads

Our Big Ecossystem allows us to sell insurance with scalability in other channels

Distribution Strategies

E-Commerce

Call-Center OPPORTINITIES SEIZED AND SHARED

...

BY THE WIZ CONGLOMERATE

We have our own

Online Channel

Broker

comercial team

Channel

A dedicated and

Network of

100% Online

specialized team

autonomous

Adhesion (collective

qualified to offer

insurance brokers

by attachment) and

heatlh insurance

registered to sell

multicalculator for

SMEs

Channels

and Operations

MARKETING AND TECH

PEOPLE AND MANAGEMENT

LEGAL AND COMPLIANCE

REDE

saúde

69%*

2%*

8%*

6%*

14%*

1%*

0%*

0%*

*Share of each segment on the 1H20 total consolidated revenue.

Banco BMG, one of the main consumer finance platforms in the country, has as mission massify financial solutions in Brazil

LARGE TRACK-RECORD IN THE PAYROLL

ONE-STOP-SHOP PLATFORM AND RETAIL CUSTOMER LIFE CYCLE

LOAN SEGMENT AND LEADER IN THE

Clients with different needs impact the channel's strategy and define products

PAYROLL LOAN CREDIT CARD SEGMENT

Retail bank with over 89 years in the capital markets, focused mainly in

Payroll Loan

payroll loans in addition to offering mass insurance products. It also operates

in the corporate segment offering warranty insurance for medium and large

Credit and

companies.

Debit Card

Payroll Loan

Clients

Credit Card

Average

No Option

Checking

Taker

Taker

4.5 mm

1,76x

Account

Higher propensity

Personal

Active Clients

credit

to digital

Cross-selling Index

Saver

Investor

Figital

Insurance

Investments

"Volta pra

"Poupa pra

2.1k

822

mim"

mim"

Full Digital Partnerships

Co-Operative

Stores

Banking

Banks

44

Bank has a wide capillarity distribution network and operates integrating physical and digital channels (FIGITAL)

BANK CORRESPONDENTS

Extensive network of bank correspondents, who usually have a specialized team, expanding the access network. Selling Payroll Credit Card, Payroll Loan and mass insurance.

2.1 k

~ 14 k

BMG

CORBANs

Sales

non exclusive

Force

DIGITAL BANK

Clients have access to the entire service portfolio through a full digital bank (meu_BMG)

+1,356 k

Artificial

Technological Enablers

phygital accounts

intelligence

HELP! STORES

Franchise network of credit stores specialized in financial services, with one-stop-shopconcept and tech-touchmodel. Among the products offered as the main focus of the channel is the granting of personal credit

822

89%

Presence

help! stores

Municipalities with

in all

states

+100k inhabitants

Number of Stores

620

732

802

822

822

442

494

494

389

413

Cb Fácil

319

360

328

328

Total

231

2Q19

3Q19

4Q19

1Q20

2Q20

BANK BRANCHES

helping

Data

operations for

Biometric

~1,020 k

Analytics

beginning to

Profile

Monthly Active

the end

Artificial

Users

intelligence

21

bank

branches

21 bank branches, located in 21 Brazilian states, and with the full support of call center channels.

45

CMG CORRETORA

CMG operates in the sale of insurance products in partnership with Generali.

99.99%

60%40%

Sale of insurance

issued by

Generali

Evolution of Issued Premiums

Evolution of Clients

R$ Million

Number of lender insurance adhesions - in thousands

170

217

+37%

+58%

142

2,096

1,458

104

1,080

923

50

431

2017

2018

2019

1H19 1H20

2017 2018 2019

1H19 1H20

Net Revenue Evolution¹

Evolution of Lender Insurance

R$ Million

Penetration

(in BMG Payroll Credit Card portfolio)

%

37

+21%

+14p.p.

45%

24

40%

31%

19

16

21%

8

10%

2017

2018

2019

1H19 1H20

2017

2018

2019

1H19 1H20

1) Service revenue from insurance sales, net of commission

46

expenses

DEAL CONSISTS OF THE ACQUISITION OF 40% OF CMG, WITH UPFRONT OF

R$44.8 MM AND CALL OPTION FOR THE ACQUISITION OF ADDITIONAL 9% IN 2024

60.0%¹40.0%*

AMORTIZATION RATIONALE

Amortization

15.0

15.0

89,8

15.0

22.4

22.4

45.0

44.8

1st Upfront

2nd Upfront

1st Earn-Out (2022) 2nd Earn-Out (2023) 3rd Earn-Out (2024) Total Amortization

Installment (Closing)

Installment

(Closing+ 6m)

Target 2021 Net

Target 2022 Net

Target 2023 Net

Income: R$9.4

Income: R$19.7 million

Income: R$23.5 million

million

Estimated Earn-outs

(Earnout with range 70%/150% of target Net Income)

MAIN TERMS:

The total estimated price for

the acquisition of 40.0% of the

shares is R $ 89.9 million.

Security product exclusivity

grant for 20 years at the BMG

FIXED INSTALLMENT

  • R$44.8 million, in two equal installments of R$ 22.4 million (one in the closing and other 6 months after).

EARN-OUT INSTALLMENTS

  • Earn-Out:3 annual installments, estimated in R$15 million (each), calculated by the following formula: Annual Multiple* (Net Income of the Period - Minimum amount). Net Income of the period will be limited by the Maximum amount (metrics presented on the table to the right).

2021

2022

2023

Annual Multiple

5.30

2.53

2.12

Maximum

14.1

29.6

35.3

Amount (R$mm)

Minimum

6.6

13.8

16.5

Amount (R$mm)

counter

* Wiz's stake may reach 49% of

CMG.

CALL OPTION

 Wiz will have a call option

i. accumulated net profit from

for an additional acquisition of

2021 to 2023 is equal to or

up to 9.0% of CMG Corretora

greater than 80% of the

de Seguros, according to the

projected in the combined

following rules:

business plan at the closing

of the deal.

  1. Payment for the call option will be R$ 20.2 million in 2024.
  2. The call may be exercised in 2024.

¹ 60.0% interest in CMG Corretora via CB Fácil, fully owned by Banco BMG (99.9% interest).

47

Channels

and Operations

MARKETING AND TECH

PEOPLE AND MANAGEMENT

LEGAL AND COMPLIANCE

REDE

saúde

69%*

2%*

8%*

6%*

14%*

1%*

0%*

0%*

*Share of each segment on the 1H20 total consolidated revenue.

Consistent growth in funding and increase in credit portfolio backs up Inter's position as a strong player in the banking sector.

Banco Inter is Brazil's leading digital bank

Wiz appointed the Marketing Director to run the operation outside Wiz' network

Credit card

Transactional volume

Deposits

In MBRL

2,3 x

' 3,620

1,1121,4582,0882,573

2Q19 3Q19 4Q19 1Q20 2Q20

Total digital accounts

In thousands

2,3x

2,5413,2644,0594,9375,904

2Q19 3Q19 4Q19 1Q20 2Q20

+16 thousand

New accounts per

working day

(2Q20)

+437 thousand

New accounts per

month (2Q20)

In MBRL

9951,003

863

4Q19

1Q20

2Q20

Other Credit

operations

Mortgage Loan

Payroll Loan

In MBRL

2,906

In MBRL

1,193

2,517

2,685

1,008

1,071

4Q19

1Q20

2Q20

4Q19

1Q20

2Q20

Inter Seguros' operation

Inter Seguros has exclusive access to the insurance counter of Banco Inter and uses its relationship with the bank's team to obtain operating synergies and explore the inclination of the bank's retail customers.

Relationship with Insurance Companies

In 2017, Inter Seguros signed a partnership with Liberty Seguros to offer insurance through their digital channel

Wiz established an Executive committee between Inter Seguros and Liberty Seguros, to ensure further convexity and agility in the development of new products

For other products, we mantain our relationship with several first class insurance companies

Digital

Insurance Squad

Inter

Seguros

Team

Data

IT

Analytics

Marketing

Digital

Sales

Multifunctional team that

assists the client throughout

the purchasing process

50

Inter Seguros' product portfolio and operating and financial highlights

Digital insurances for retail

Results

and corporate solutions

Net Premium

Net Revenue

MBRL

MBRL

Mortgage

Auto

Residential

Financial

(MIP/DFI)

Insurance

Insurance

Insurance

Card

Gadget

Corporate

Insurance

Insurance

Insurance

Insurance Pipeline...

18.1 18.8 22.6 24.0 22.4

2Q19 3Q19 4Q19 1Q20 2Q20

Number of clients

MBRL

113.0

53.1

75.7

34.6

37.8

2Q19

3Q19

4Q19

1Q20

2Q20

17.0 19.7

4.9

7.1

2018

2019

2Q19

2Q20

Net Income

MBRL

11.1 11.5

2.7 4.4

2018

2019

2Q19

2Q20

51

Refined insurance offering at the moment of the bank transaction

Profitability of the customer base through tested and endorsed business model strategy

Corporate Governance

CEO

Headhunting with unanimous approval of Wiz and Banco Inter

(pending board approval)

MarketingComercial/

ControllerDirectorInstitucional

Director

First Steps

Operational Strategy Development

Roadmaps and business plan development

Business Strategy

Commercial business model

Business model focused on two fronts

Bancassurance model structuring

Margin increase strategy

Understanding the transaction as the foundation for insurance selling

Understanding the average customer profile

Definining the

Insurance

ideal product

Customer inclination study

Transaction

1ª offer

2ª offer

to each

transaction

Transaction A

Product A1

Product A2

Studying correlations

Transaction B

Product B1

Product B2

between bank transactions

and products

Explore opportunities to monetize the portfolio

Strategy development for penetration in customer

base

Client approach strategy

Inclusion of new products in the portfolio such as

Credit Life and Consortium

Portfolio analysis

Analysis and cross-selling using a customer driven approach

Digital journey for data enriching to generate opportunities

Outcome management and follow-up

Margin

Sales

increase

Strategy

strategies

Renewal optimization

Client oriented approach

Client Recovery

Call-to-action through ideal

Portfolio Cross selling

offers to customers

Upsell on the already

Outcome management and

insured customers

follow-up

52

Deal suggests the acquisition of 40% of Inter Seguros, with down payment of R$ 45 MM and four installments earnout

Rationale of 40% stake in Inter Seguros

In R$ MM

Acquisition Schedule

Earnout based on EBITDA

25,9

25,9

25,9

25,9

17.25

34.

17.25

40%

285

5

45

17.25

12,1

17.25

12,1

114

12,1

12,1

Valuation Stake =

Fixed

Waiver

2020/2021

2021/2022

2022/2023

2023/2024

40%

Installment

2019/2020

EBITDA GOAL: EBITDA GOAL: EBITDA GOAL: EBITDA GOAL:

2019

R$ 23.2 MM

R$ 31.5 MM

R$ 42.4 MM

R$ 55.4 MM

Earnout w/trigger @70% - @150%

Rules of dividend distribution by Inter Seguros

  • Minimum mandatory distribution of 50% of earnings;
  • The remaining amount should be retained in cash to cover 3 months of operating expenses and CAPEX, the rest should be distributed, except when unanimously decided by the partners;
  • The Share of Wiz' dividends should be retained to ensure the payment of variable installments, until the acquisition is complete

Deals's details:

  • The total amount for the acquisiton of 40% stake is R$114 MM;
  • The Transaction should be paid through a down payment in the amount of R$45 MM - to be disbursed at the deal's closing - and variable installments, under the following rules:
  1. The amount of R$69 MM should be paid in 4 installments of R$17,25 MM each, which will be adjusted upwards or downwards, triggered by the company's EBITDA, as the graphic shown in this slide;
  2. The amount of the installmants may vary between R$0 to R$25.9 MM, based on yearly set goals. In case the goal is met below 70%, the amount of the following installment should be zero. In case the EBITDA is a percentage between 70% and 150% of the EBITDA goal, the amount should be the product of the variable installment times the percentage earned.
  3. The installments will be adjusted by SELIC rate, limited to 15%

53

About Wiz

Our Operations and business model 2Q20 Performance

Key Financial Indicators, consolidated

Indicator (R$ MM)

2Q20

2Q19

∆%

1H20

1H19

∆%

Gross Revenue

169.4

184.6

-8.3%

360.0

357.9

0.6%

Net Revenue

149.5

164.9

-9.3%

319.2

319.3

0.0%

Cost and

(63.8)

(74.2)

-14.1%

(142.3)

(142.9)

-0.4%

Expenses

Other Rev./Exp.

(4.5)

(0.5)

n.a.

(7.8)

(12.2)

n.a.

EBITDA

81.2

90.2

-9.9%

169.1

188.6

-10.3%

EBITDA Margin

54.3%

54.7%

-0.4 p.p.

53.0%

59.1%

-6.1 p.p.

Net Income

34.0

54.0

-37.0%

85.0

110.7

-23.2%

Net Margin

22.7%

32.8%

-10 p.p.

26.6%

34.7%

-8.0 p.p.

Control. stake

34.8

52.5

-33.7%

84.4

105.5

-20.1%

Net Income

Gross Revenue, consolidated | R$ million

∆ YoY

-8.3%

184.6

200.5

205.3

190.7

169.4

2Q19

3Q19

4Q19

1Q20

2Q20

0.6%

357.9 360.0

1H19 1H20

EBITDA and EBITDA Margin, consolidated | R$ million; %

54.7%

57.2%

56.8%

54.3%

59.1%

53.0%

51.8%

188.6

169.1

90.2

102.6

104.0

87.8

81.2

2Q19

3Q19

4Q19

1Q20

2Q20

1H19

1H20

EBITDA

EBITDA margin

Source:Company

Cash and Dividends | R$ million

56.0

0.0

127.1

1.5

55.0

56.0

55.0

106.2

105.3

100.6

100.6

53.9

45.8

53.9

2Q19

3Q19

4Q19

1Q20

2Q20

1H19

1H20

Cash

Dividends

Earnings Presentation - 2nd quarter 2020 55

Performance per Business Unit

Gross Revenue

Per BU

Gross Revenue

Share per unit

Business Unit (R$ MM)

2Q20

2Q19

∆%

1H20

1H19

∆%

Bancassurance Operation²

116.6

129.6

-10.0%

249.8

252.9

-1.2%

Wiz BPO

22.9

21.2

7.7%

48.6

41.4

17.5%

Wiz Parceiros

15.0

14.9

0.9%

29.3

29.4

-0.5%

Wiz Corporate

10.1

11.9

-14.5%

22.6

21.8

3.8%

Wiz B2U²

3.0

4.6

-35.2%

6.4

9.8

-34.6%

Wiz Conseg

1.4

-

n.a.

1.9

-

n.a.

Other Operations

0.4

2.4

-84.9%

1.4

2.6

-46.0%

Gross Revenue

169.4

184.6

-8.3%

360.0

357.9

0.6%

Bancassurance

Wiz BPO

Wiz Parceiros

Wiz Corporate

Other

69.4%

13.5%

8.1%

6.3%

2.7%

1H19: 70.7%

1H19: 11.6%

1H19: 8.2%

1H19: 6.1%

1H19: 3.5%

Gross Revenue

R$ 62.6MM

R$ 0.0MM

R$ 11.3MM

R$ 2.8MM

R$ 2.6MM

stock¹

2Q20: 56.3%

2Q20: 0.0%

2Q20: 75.0%

2Q20: 27.5%

2Q20: 83,5%²

2Q19: 47.5%²

2Q19: 0.0%

2Q19: 78.0%

2Q19: 34.3%

2Q19: 93,3%²

Source: Company

Note: : (1) Stock revenue is not an audited financial information and it was structured using Wiz´managerial reports, considering the comissions flow. The accounting method ofEarnings Presentation - 2nd quarter 2020 56 stock revenue is described in the glossary of the Earnings Release.(2) The auto segment is fully reclassified to B2U retroactively.

Costs per Business Unit

Cost Breakdown per B.U.

Business Unit (R$ MM)

2Q20

2Q19

∆%

1H20

1H19

∆%

Bancassurance Operation

(11.8)

(24.8)

-52.6%

(31.8)

(46.0)

-30.8%

Wiz BPO

(13.2)

(14.2)

-7.0%

(27.5)

(26.8)

2.4%

Wiz Parceiros

(2.9)

(2.4)

19.8%

(5.8)

(5.3)

9.7%

Wiz Corporate

(5.4)

(4.5)

20.1%

(10.0)

(9.6)

5.0%

Wiz B2U

(2.9)

(2.9)

0.5%

(5.2)

(5.1)

2.3%

Wiz Saúde

(0.7)

(0.5)

34.2%

(1.0)

(0.8)

27.3%

Wiz Conseg

(0.5)

-

n.a.

(0.7)

-

n.a.

GR1D Finance and GR1D Insurance

(1.7)

-

n.a.

(3.5)

-

n.a.

Costs

(39.2)

(49.5)

-20.7%

(85.7)

(93.5)

-8.4%

Cost Breakdown 2Q20

Headcount Breakdown

Bancassurance

Wiz Parceiros

Wiz B2U

2Q19

2Q20

Wiz BPO

Wiz Corporate

Wiz Saúde

10.5%

7.3%

44.7%

Wiz Conseg

GR1D

1.8%

1.3%

4.4%

1,110

993

696

747

55

38

7.5%

30.0%

Bancassurance

BPO

Parceiros

13.8%

R$39.2MM

23.1%

19.2%

181.3%

7.4%

117

90

104

124

16

45

33.7%

Corporate

B2U

Other

Earnings Presentation -

2nd quarter 2020

57

Expenses / Other rev. and expenses

Expenses Breakdown

Indicator (R$ MM)

2Q20

2Q19

∆%

1H20

1H19

∆%

Personnel

(14.4)

(14.8)

-2.4%

(34.3)

(29.9)

14.8%

Third Party

(2.9)

(1.7)

71.0%

(6.6)

(3.3)

102.5%

Tecnology and Telecom

(3.1)

(3.5)

-11.0%

(6.3)

(7.1)

-11.8%

Occupation

(0.7)

(0.7)

1.4%

(1.7)

(1.7)

-0.9%

Other

(3.3)

(4.0)

-18.3%

(7.8)

(7.4)

4.7%

General and Administrative

(24.5)

(24.8)

-1.0%

(56.6)

(49.4)

14.7%

Other rev./expenses

(4.5)

(0.5)

n.a.

(7.8)

12.2

n.a.

G&A expenses breakdown 2Q20

Headcount Breakdown

Personnel

Tec. Telecom

Other

2Q19

2Q20

Third-Party.

Occupancy

39.3%

13.5%

3.0%

340

244

12.8%

R$24.5 MM

12.0%

58.7%

Corporativo

Source: Company

Earnings Presentation - 2nd quarter 2020

58

Thank you!

Investor Relations

Website: www.ri.wizsolucoes.com.br

E-mail: ri@wizsolucoes.com.br

Phone: +55 (11) 3080-0100

ATTACHMENTS

WIZ CLOSES THE DEALS FOR NEW OPERACIONAL TERMS, TAKING PART IN RESTRUTURING CAIXA'S INSURANCE ENVIRONMENT

OPERATION PARTIES

CAIXA's

Wiz

Caixa

Branches

Seguridade

Parceiros

Wiz

Caixa

Seguros

Operation

Holding

Previsul

Wiz

Caixa

BPO

Seguros

Holding

CNP Assurance

NEW AGREEMENTS

Wiz will continue to be the exclusive brokerage firm at CAIXA until, at least, February 2021

After Feb/21, co-broker will be chosen through public bidding procedure (BID)

Guaranteed commission over the inventory of contracts issued up to Feb 2021

10-year contract for all existing partners operation agreements

Maximization of fees originating from the indication of Consortium and Credit Life insurance contracts

Establishes the scope of action and compensation fees to BackOffice services

10-year contract (with possibility of renewal) for the life, credit life insurance and pension products. Scope extension of contract in case CNP is selected as the partner for the JV2 (Mortgage and Consortium)

Wiz is free to operate outside CAIXA with other insurers and other channels

61

COMISSION RATIOS

BROKERAGE/CO-BROKERAGE Wiz

1. Conditions

  • Commission rates are fixed until February 2021, except when indicated
  • (*) Commission rates on main product lines in accordance with current Operational Agreement. These rates may vary over time due to change in product mix of each line.
  • Reduction of Mortgage commission rate as of January 2019 due to breach of commission payment related to the project for Mortgage into the Bank Correspondents

2. Commission

Lines

Commission Rates(*) (¹)

Tax Basis

% Revenue²

Life

12%

% of installment received

32%

Credit Insurance

9.64%

% of total billed premium

25%

Mortgage -

2018:

6%

% of installment received

20%

Recurring Comission

2019-21:

4%

Mortgage -

2018:

200%

% of first installment

7%

Upfront Comission

2019-21:0%

received

Residential

15%

% of installment received

6%

Corporate MR

10.5%

% of installment received

3%

Auto³

4.2%-7%

% of installment received

4%

Nota: : (1) The average commission rates are: Life- 10.8%; Mortgage - 5.6%; Credit Insurance - 9.1%; Residential - 10.7%; Corporate MR - 10.3%; Auto - 4.1%. Commission ratio estimated based on the commission of past 12

months over the premium SUSEP in the period

62

(2)

Percentage of each line over the gross revenue of Parent Company (Wiz without its affiliates and subsidiaries). Average of last twelve months.

(3)

Variation over the time depends on the mix of products sold, pursuant the interaction between the client and CAIXA.

COMISSION RATIOS

PARTNERS OPERATION (FINANSEG)

1. Conditions

  • (1) Commission policy start with contract signing, applied only on insurances policies sold from that date on. Installments due to insurance contracts signed before this date, pay 30% a commission rate to Wiz.
  • (2) Commissioning derived from Consortium Indication will go from 1% to 1.45% by the signing date to the end of 2018, reducing to 1.25% as of jan/2019.
  • (3) Success fee percentage is subject to:
    • % achievement of agreed sales targets between the parts
    • % of minimum duration until the 13th month of the portfolio sold

2. Commission

Product

Commission

Tax basis

Breach of Warranty

25%

% on installments

Insurance (SQG)

Credit

35%

% on installments

Insurance (1)

Backoffice

35%

Fee defined by

activity provided

Contracts with same maturity

date until 2018:

Consortium

1.45%

Consortium letter

(Indication)(2)

Contracts with same

value, paid in 4 times

maturity date as of 2019:

1.25%

Contracts with same

Success Fee -

maturity date as of 2019:

Consortium letter

Platform (3)

0% - 1.5%

value, paid in 4 times

(4) The previous sucess fee (Platform), corresponding to 0,65%, shall be suspended for the consortium contracts with

63

same maturity date sold between the date of execution of the agreement until december 31st 2018

COMISSION RATIOS

BACKOFFICE

1. Conditions

The commission payment will be owed from the

starting transaction date by segment, after the

contract signing.

2. Commission

Product

Commission

Reference Values

After 12 months of service rendering, the respective

values will be inflation-adjusted by the IPCA-IBGE

consumer price index.

After 24 months of rendering of services, there will

be an annual decrease of 4% on the per-unit values

paid as commission

(1) The commission rates after Feb. 2021 will change

only for the contracts sold from that date on

(2) Following the JV2's definition, the maintenance of

Life

Pension Plans

Credit Insurance(1)

qty contracts X R$0.458/month

qty contracts X R$0.458/month

Until feb/21:

qty contracts X R$0.125/month

contracts with same

maturity date as of mar/21: qty contracts X R$0.458/month

Qty of contracts effective in Dec 18: 3.57 MM

Qty of contracts effective in Dec 18: 1.57 MM

Qty of contracts effective in Dec 18: 4.07 MM

the services' provisions for the new mortgage

contracts with the same maturity dates, is

conditioned to CNP winning the bidding procedure

(3) In the event CNP does not win JV2's bidding

procedure, the contracts with same maturity date'

commission after feb/21 will go from R$0.458 to

Until feb/21:

Mortgage(1,2,3)

qty contracts X R$0.125/month

contracts with same

maturity date as of mar/21:

qty contracts X R$0.458/month

Qty of contracts effective in Dec 18: 3.50 MM

R$0.509, to all active reminiscent Mortgage contracts

in the portfolio

64

Governance & Compliance initiatives advances: one of our supportive pillars

Our Governance

Structure2015

Shareholders

Executive

Board

9 Members

2 Independents

Related Parties

Auditing

Compensation

And HR

Committee

Committee

CEO

Committee

3 Members

3 Members

3 Members

CFO

2 Independents

1 Independent

2 Independents

IPO

B3's

"Novo

Mercado"

2016

Governance and

Compliance evolution

Complianc

Auditing

e Directory

Committee

Creation

Creation

Related

Outsourcing

Parties

Code of

transactions

& Donation

committee

Conduct

Policies

Creation

Creation

Creation

Compensation

Complianc

and Human

Resources

e Booklet

Committee

Creation

2017

Functioning

Complaint

Channel starts

Functioning

Every company employee has been trained

65

Caixa Seguridade new multiple-JV shareholder structure (1)

Sizable Risks

Premium

Consortium

Auto

Life

and Mass

Bonds

Pension Plans

Corporate

Insurance types:

Credit Life

Icatu will hold

Partner will hold

Property &

Up to 3 total

Casualty,

25% of the

25% of the

CNP will hold

partners

Transportation,

economic rights

economic rights

aprox. 40% and

Agro, etc

Caixa Seguridade

Partner:

Icatu:

Partner:

Partnership via

60% of the

economic rights

75% ON

50%+1 ON

50% ON +1

commercial

75% PN

0% PN

0% PN

agreement

CNP Assurance:

50% ON +1

30% PN

Mortgage and home

Tokio Marine will hold 25% of the economic rights

Tokio Marine:

50% ON +1

0% PN

Healthcare

Dental

Assistance

Services

Up to 6 different

Partner will hold

partners in 6

One exclusive

25% of the

different areas

partner

economic rights

Partnership via

Partnership via

Partner:

commercial

commercial

50% ON +1

agreement

agreement

0% PN

(1) Slide based on Material Facts released by Caixa Seguridade on the 10th and 24th of May.

66

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Wiz Soluções e Corretagem de Seguros SA published this content on 14 August 2020 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 14 August 2020 22:27:06 UTC