ECM based solution for Loan Origination / Micro Finance / Small Banks Nov 2016 NEWGEN SOFTWARE TECHNOLOGIES INC. Newgen ECM integrates well with MS Dynamics ECM based solution for Loan Origination / Micro Finance / Small Banks

Newgen Value Proposition Capturing Solution Enterprise level bulk scanning software Easy to configure templates, documents, exporting rules Image enhancement, Auto record & document separation Linear Workflow Easy to configure & manage workflow Easy to transfer files between various departments Quick change management & effective user management Document Availability Anytime anywhere access Document annotations, Customized searches, Customized reports Quick Processing Reduced TAT in processing and decision making Alarms, Reminders, Real time tracking & monitoring FTE – Full Term Equivalent (full time employees required for a process) FIFO – First In First Out, which is a queue management mechanism STP – Straight Through Processing, where the work item gets processed automatically without manual intervention KPI – Key Performance Indicator SLA – Service Level Agreement Security Concerns Eliminates risk of misplacing documents during transfers Trash management, Audit reports, Rights based access, etc COPYRIGHT 2016, NEWGEN SOFTWARE TECHNOLOGIES LTD.

Newgen Approach Loan Approval system based on Newgen ECM solution with built-in Linear workflow can help to capture and automate the processing of the documents. Documents from all the branches can be scanned using Newgen’s Enterprise level bulk scanning, indexing and search software called OmniScan. Documents can be exported to a linear workflow within OmniDocs where they can be approved or rejected by the users based on the roles and the rights. COPYRIGHT 2016, NEWGEN SOFTWARE TECHNOLOGIES LTD. COPYRIGHT 2016, NEWGEN SOFTWARE TECHNOLOGIES LTD. 3

Lets have a look at Newgen ECM Solution for Loan Origination

Document Submission Customer submits the Documents for processing Data Entry Operator Scans all the documents Customer Documents Documents are then converted in electronic form through digitization COPYRIGHT 2016, NEWGEN SOFTWARE TECHNOLOGIES LTD.

Processing in OmniScan Key fields to be captured Branch user captures details and related Documents Image of Document Captured Supporting Documents COPYRIGHT 2016, NEWGEN SOFTWARE TECHNOLOGIES LTD.

Easy Transfers within Departments User Manager Documents are now with Authorized user to approve or raise an Exception Front office User sends the documents to Manager for approval. COPYRIGHT 2016, NEWGEN SOFTWARE TECHNOLOGIES LTD.

Approval Process Authorized user Flexibility of Verifying and Modifying data User can click on “Raise Exception” and Application & documents get routed to Exception Resolver Different Routing criteria can be configured User can put Stamps on the document User Can leave Notes and other annotations COPYRIGHT 2016, NEWGEN SOFTWARE TECHNOLOGIES LTD.

Verifier Raise an EXCEPTION Linear Workflow If there are no exceptions, the verifier sends it to the Approver for approvals Branch User Loan Amount < 10000/- Scanning Approvers at Head Office approve the documents based upon parameters and archive documents for compliance. Approver 1 Loan Amount > 10000/- Data Entry No Approver 2 Verification Discrepancies Found Yes Exception Resolver resolves the exception raised by verifier and sends it back to Verifier Verifier Raise an EXCEPTION Verifier Exception Resolver COPYRIGHT 2016, NEWGEN SOFTWARE TECHNOLOGIES LTD.

Customized Search for document details Any Time, Any Where Customized search Document based search Folder based search COPYRIGHT 2016, NEWGEN SOFTWARE TECHNOLOGIES LTD.

Customized Reports on different criteria User can export the report in Excel format % Generation of reports based on criteria Country wise reports LOB based or category based reports can be generated COPYRIGHT 2016, NEWGEN SOFTWARE TECHNOLOGIES LTD.

Key Benefits of Newgen ECM solution Real time transfer of the KYC/Loan documents for approval Enterprise level security with pre-defined roles access and right based document access Manage multiple documents against a given transaction Complete audit trails for both internal and external auditors for better compliances Reduction in TAT and Standardized Approval Process On a given object/request, user can view the corresponding image saved in DMS Better decision making as the comments and annotations on the documents made by different user and departments are easily available online to authorized users COPYRIGHT 2016, NEWGEN SOFTWARE TECHNOLOGIES LTD.

Thank you www.newgensoft.com woodapple INDIA Corporate Office A-6, Satsang Vihar Marg Qutab Institutional Area New Delhi -110 067, India Tel : +91-11-4077 0100, 2696 3571 Fax : +91-11- 2685 6936 corpmktg@newgensoft.com EMEA - DUBAI Newgen Software Technologies Limited Off No: 314, Building No: 3 P O Box. 500297, Dubai Internet City Dubai, UAE Tel : +971 44541365 Fax :+971 44541364 emea@newgensoft.com AMERICAS Newgen Software Inc. Washington DC Metro Area 1364 Beverly Road, Suite 300 McLean, VA 22101 Tel : +1-703-749-2855, +1-703-439-0703 Support Hotline : +1-800-499-5074 usa@newgensoft.com 8270 Woodland Center Boulevard Tampa, Florida – 33614 Tel : +1-813-769-3575 Fax : +1-905-361-6401 APAC - SINGAPORE Newgen Software Technologies Pte Ltd. 30, Raffles Place # 17-38 Chevron house, Singapore 048622 Tel : +65 6221 8432 Fax : +65 6221 6923 asiapac@newgensoft.com Thank you www.newgensoft.com woodapple COPYRIGHT 2016, NEWGEN SOFTWARE INC.