АxiCredit Loan Application Decision-Making Service.

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1 АxiCredit Loan Application Decision-Making Service. 1

2 About Axiomatika We make the best affordable! Axiomatika was established in December of The company concept, however, was developed significantly earlier. The goal of the Company is to provide cloud services or services based on the Software as a Service model to the clients. The Company founders are private investors who have worked on implementing IT products for the largest Russian corporations for over 15 years. The Axiomatika team includes people who are experts in the use of services provided. All Company employees have experience in either financial or IT organizations focused on working with financial institutions. 2

3 Our Offer Strategy flexibility and speed of the loan application decision-making are becoming more and more valuable advantages in the competitive struggle on the retail market. Decision-making can take several seconds, instead of several days. That said, the complicated logic of the decision-making process for the borrower must be ensured, credit bureau information and information from other systems must be taken into account, and the best offer for the client must be selected. We offer the AxiCredit cloud service which allows automation of the loan application review process in the shortest time possible, as well as being an up-to-date tool for risk managers. AxiCredit is based on the Origination Manager Decision Module (OM DM) by FICO one of the leading forecast analytics software manufacturers. OM DM is an effective comprehensive application for decision-making management, built on the basis of the FICO Blaze Advisor industrial platform an acknowledged leader in the Business Rule Management Systems (BRMS) category. 3

4 The Benefits of AxiCredit Service to You and Your Business 4 Application decision in a fraction of a second; Processing of up to 100,000 applications daily; Opportunity to manage, control, and regulate Company risks.! In 2013 the State Duma adopted in the second reading a draft of law on consolidated bank control, which in expert opinion will make compliance with the requirements of lending institution internal control to the systems of risk and capital management that the Bank of Russian will establish, mandatory. Expedited introduction of new products to the market; Reduced spending on attracting new clients by automated approval of a large percentage of loans; Automation of unlimited number of lending products in the system; An option to centralize all processes and procedures, which will allow reducing headcount and staff skills requirements; Minimal initial expense and payment for used resources only; Easy cancellation with no financial losses; An option for vertical and horizontal system scaling; An option for easy integration with client systems. Integration using web services; Easy and convenient interface for lending specialists and risk analysts.

5 What Does Cloud Service Mean? AxiCredit is provided on the basis of the SaaS (Software as a Service) model, which means that the service is provided as business applications. All computational resources used for the solution are located in the Russian Tier III Data Center in an isolated contour. [Image text: Client, Client, Client, Client, Servers and Software, Security, Settings, Client, Client, Client, Client] 5

6 AxiCredit What s inside? A request in the system goes through a chain of logical rules followed by a certain sequence of events at each step (next step, queue, process, or solution). The rules are set up and adjusted by business users. See below for an example of request processing Request Verification of compliance with Format mandatory Control requirements for the lending product Data analysis, analysis of Stop list internal Client verification databases, such as black lists and white lists Rejected Rejected Rejected Rejected Borrower s score calculations Analysis of borrower s data from external sources, such as Professional Market and Company Analysis System (PMCAS),Credit History Bureau (CHB), Federal Government Agencies (FGA), etc. Product selection. Calculation of lending offer parameters, such as term, interest rate, and amount Analysis of information found by underwriters/ security service. Final decision for X amount, Y term, Z interest rate Rejected Rejected Rejected Rejected [Image 6 text: Axiomatika, Cloud Integration Center]

7 An Example of the AxiCredit Service Integration Architecture Borrower s Information Sources Axiomatika Infrastructure Testing Environment Client Infrastructure Interface system to CHB and other external sources CRM System Application Server FICO OM DM Industrial Environment Application Server BPM System Service Bus WEB Service FICO OM DM Development Environment Storage Application Server Client Analyst FICO OM DM WEB INTERFACE [Image 7 text: Axiomatika, Cloud Integration Center]

8 We Guarantee High Quality of the AxiCredit Service; Quick automation of the loan application review process starting at 2 weeks, since there is no need for system integration; Industrial, testing, and development contours to work with; Service information security and compliance with the Banking System of the Russian Federation Security Standard (BSRF) of the Bank of Russia; Consulting services on decision-making strategy and score cards development; Round-the-clock technical and consulting Service and User support. 8

9 What Else Do You Need to Know About the service The entire process of launching AxiCredit Service takes from 1 to 3 months*. The service is compliant with: - BSRF - Federal Law No. 152 Service may be paid for in one of two ways: - By number of requests processed; - By an agreed-upon subscription payment. *without integration 9

10 Thank you for your time! Axiomatika LLC 6 Barklay St., Building 5 Barklay Plaza Business Center, Ste. 209 Moscow , Russia Phone: +7 (495) info@axiomatika.ru