1. Distribution team is the first and in some cases, the only contact with the customer It is not merely selling but an entire customer experience contacting educating promoting counselling enrolment premium collection assisting in claims settlement renewals Distribution

2. What does it do now? Could it do more? What would the challenges be and the opportunities? PromotionEnrolment Premium collection Education Providing value-added services Claims reporting Claims assessment Claims payment Channels- create value across the chain

3. Possible channels Financial institutions Community -based Informal retailers Retail chains Agent networks MNOs Village ‘chiefs’ Direct sales

4. R4 Video What is R4- how does it work The 4 Rs

5. Partners/Delivery Channels Partners and Channels

6. Ethiopia- Flow Chart Ethiopia Process Flow

7. REGISTRATION AND IFA PROCESS INDEX DEVELOPMENT AND PAYOUT CALCULATION PAYOUT DELIVERY AND INDEX REFINEMENT PAPIL & BAMTAARE Carry out Provides 50% premium (other half subsidized by Government) Manage IFA work INSURANCE POLICIES INDEX INSURANCE PRODUCT & PRICING Contributes in setting RAINY SEASON IFA FEBRUARY - MAY JUN - SEP AUG - DEC IRI Re-insurers SFC Associations CNAAS Senegal insurance company Creates FARMERS Contribute in setting Creates and maintains WFP Based on this: Provides participants lists to Registers and collects cash contributions from La Lumière Coordinates community engagement PAY-OUTS Triggers Calculate pay-outs and transfers funds SFC Associations IRI INDEX FARMERS CNAAS & Re- insurers Communicates outcome Oversees all payments Provides insurance policies to the SFC Associations CNAAS Senegal insurance company Chooses Senegal Process Flow

9. Subsidiaries Green Delta Insurance Company 39 Branches: 19 online branchesGross Premium Income BDT 2681.37 Million / USD 34.38 Million 2014Client Centric organisation focused on customer satisfaction

10. Bank Seed Company Pesticide Company MFI NGO Fertilizer Company Farmers Co-operative Farmer Distribution Channels Partial Involvement with Farmers Direct Involvement with Farmers Future Partners Involvement with Farmers Mobile Network Weather Forecasting Company

11. Mobile Banking Seed Company Link between all participants

12. Advance Chemical Industries Pharmaceuticals Agriculture Inputs -IFC linkage for climate resilience -Close links with farmers- farm inputs, credit facility and buy back arrangements -Over 600 hectares and 500 farmers in Lalmonirhat & Kurigram directly involved United Finance Limited Financial Investment Institution -Loan portfolio in remote & agri based areas -Geographical spread - Noakhali, Bhola, Rangpur, Barisal, Rangamati -Direct access with the farmers -Well defined Operational Processes SAJIDA Foundation NGO - Microinsurance Health Support Agriculture & Livestock Loans -Crop loans to small farmers -Supports Agriculture and Livestock Unit improvement -enhancing food security for vulnerable farmers -Agriculture Investment in multiple locations -Jamalpur & Chittagong Range of distribution partners