Neosurance: the first Virtual Insurance Agent which sells micro policies.

1. www.neosurance.com | info@neosperience.comNeosurance December 2016 Neosurance. Insurance Worth Buying. We help you engage and monetize  your digital customers, delivering  the best insurance experience where and when it matters most. Neosurance www.neosurance.eu | info@neosurance.eu

2. Neosurance https://vimeo.com/neosperience/neosurance

3. Neosurance Mobile devices are a pervasive element in the daily lives of insurance customers, but they are poorly leveraged by insurers. The insurance need is often not perceived until a claim occurs.  It is a rational purchase rather than an impulsive one. When not compulsory, the insurance purchase is stimulated by the sales speech of an intermediary. Neosurance delivers the right insurance at the right time: great customer experiences that meet customer needs  and drive the use of mobile insurance. 1. Problem “There are going to be seven billion smartphones  in everybody’s hands in the next ﬁve years. Now, everybody is a digital customer, so doing things digitally is no longer a niche. Doing things digitally is how the entire world communicates.”    - Angela Ahrendts, Head of Retail Apple

4. Neosurance Neosurance is the customer-centric mobile insurance platform that delivers the best insurance experience to: • Protect the customer  Where and when it matters most.  • Add value to the insurer  With a plug-and-play platform that proposes triggers-pushed micro-policies through smartphone notifications. • Disrupt the insurance sector  Thanks to a Virtual Insurance Agent - delivered  as-a-service and paid on performance - reliable, scalable, flexible and easily customized to specific insurer’s needs, with a safe and robust evolution path, constantly evolving with new features, enabling a recurring revenue model. 2. Solution Smart Commerce Place Explorer Customer Assistant Customer Generator Insight & Analytics Right-Time Personalization Gamification Product Discoverer

5. Neosurance 3. Market size An immense opportunity • $5 Trillion Addressable Market, rapidly losing Silent Generation, Baby Boomers and Generation X, shifting to Generation Y and Millennials mobile purchase habits  (75% by 2025).  • Additional $3.5 Trillion protection gap  blue ocean opportunity.

6. Neosurance Customer perspective • “It’s already there”  When I need protection. • “They notify me about my protection needs”  Personalized, Relevant, Effective. • “I buy it”  Conveniently, on my smartphone. 4. Product Insurer Perspective • Untapped business opportunity  Close to my customers, closing the protection gap. • Consistent proﬁtability  Moral hazard avoidance. • A digital insurance salesforce  Artiﬁcial Intelligence-powered virtual insurance, to tame the Generation Y and Millennial shift. Customer  insight Personalized  protection Nudging

7. Neosurance Sarah lands in New York for a casting An app embedding Neosurance's SDK delivers a push notification to offer her a temporary health cover Sarah purchases a 48h protection with just one tap John has decided to play soccer with friends tonight A few minutes before the match, Neosurance’s SDK sends him an offer for an hour coverage John purchases an hour protection to cover the match Matthew buys his new television on Amazon Neosurance’s pop up informs Matthew that 2% of the television worldwide are hit by lightnings Matthew purchases a coverage on his television against lightnings 4. Product - Use Cases

8. Neosurance > slide to unlock Models Corner 1 min ago Jane, in one hour you will be ﬂying to New York. Why not protect yourself with a health insurance coverage for the next three days for only € 3? slide to view Demo Sarah lands in New York for a casting app embedding surance's SDK elivers a push ation to offer her a rary health cover Sarah purchases a 48h protection with just one tap John has decided to play soccer with friends tonight A few minutes before the match, Neosurance’s SDK sends him an offer for an hour coverage John purchases an hour protection to cover the match Matthew buys his new television on Amazon Neosurance’s pop up informs Matthew that 2% of the television worldwide are hit by lightnings Matthew purchases a coverage on his television against lightnings

9. Neosurance Neosurance has already proved itself as the best-in-class player, and it is supported and awarded: • Already signed ﬁrst two contracts with Tier 1 International Insurers, under discussion with:  10+ Leading Insurers in Europe and Asia, 2 Global Reinsurers. • Winner of Medici TOP 21 Insurtech Award, Insurance IoT Europe Award, AXA Insure Lab Contest, Aviva Digital On Award. • Based on Neosperience (Top Innovator 2014; Gartner Cool Vendor); co-founded by Digital Tech International (prototype validated by 40+ insurers in the last 12 months); participating in the Ania-Bain Connected Insurance Observatory. 5. Validation Neosperience in 2014 has been selected as the most innovative Italian company, receiving the most prestigious prize awarded annually by the President of the Italian Republic. The Neosperience platform has proven its excellence over the years getting the most important awards in the world of technology, including: •  2015 Aviva Digital On •  2014 GrandPrix •  Gartner Cool Vendor 2013 •  Red Herring Top 100 Global 2013 •  IAB Mixx Award 2013 •  Red Herring Top 100 Europe 2012 The push sales of micro-insurances has been successfully launched by Tokio Marine years ago in Japan (multiple use cases including one- day auto insurance). Outcomes: operating since 2010 with 55M customers; strong brand recognition; good conversion rate into annual policies; 160x number of annual policies (~ same monetary amount); loss ratio slightly lower than normal auto insurance. Neosperience in 2014 has been selected as the most innovative Italian company, receiving the most prestigious prize awarded annually by the President of the Italian Republic. The Neosperience platform has proven its excellence over the years getting the most important awards in the world of technology, including: •  2015 Aviva Digital On •  2014 GrandPrix •  Gartner Cool Vendor 2013 •  Red Herring Top 100 Global 2013 •  IAB Mixx Award 2013 •  Red Herring Top 100 Europe 2012

10. Neosurance 6. Competition Push sales Pull Stand alone solution Plug & Play for partners Sales approach Distribution model

11. Neosurance We apply a 30% markup on the wholesale premium. Our plug-and-play partner-friendly module sells insurances through a twofold push-based cognitive model and mobile SDK: • To leverage existing communities’ digital customer journey  • To enable cross-selling in insurers’ apps 7. Business model

12. Neosurance 7. Business model - Leveraging existing communities • The opportunity to realize the cross-selling opportunity, that insurers never materialized • A best-in-class approach to embed a cross-selling capability in the insurer’s front end • Easily integrated into existing apps and website, with no need to dedicate internal resources • An initial set of compelling use cases taking into account location, context and behavior • Use cases evolve over time, enriching with new  capabilities to further increase the insurer’s cross-selling  capabilities • The SDK adds triggers based on additional data  sources such as IoT, social networks, messaging  agents (i.e. chatbots) • If needed, we can assist insurers in closing  the gap of their mobile touchpoints

13. Neosurance • Go to market ready • Models Corner (1,5k international Top Models), insured by a Tier 1 Global Insurer • Signed communities, under development • Runners in Malaysia (12k users) • Cyclists (undiscl.) • Car telematics (1k users) • Gym (undiscl.) • Registered trademark, .eu, .it, social media and contiguous domain names, biggest digital insurers professional community • 50,000+ on InsurTech News  and Digital Customer Experience blogs • 20.000+ LinkedIn, Twitter  and Facebook followers. 7. Business model - Cross-selling in insurers’ customer journey Agreed, yet to sign • Tour operator (400k users) • Auto concierge (20k users) • Soccer in Singapore (11k users) • Airport in Italy (undiscl.)

14. Neosurance CustomerEngagementBuilder DCX Engines Context Engine Customer Insight Engine Analytics Engine Base Services Event Stream Bus API XObject API XSearch API XLink API XSchema API XApplication API XIdentity Application Services API Customer API Context API Card API Store API Game API Coupon API Wishlist API Showroom iOS, Android, Web Clients Neosperience Cloud SDK VIEW Customer VIEW Context VIEW Card VIEW Store VIEW Game VIEW Coupon VIEW Wishlist VIEW Showroom EnterprisecloudServices Custom Integrations Systems of Record Subscription Management Partner Ecosystem Network Customer Facing App 8.TechnicalArchitecture

15. Neosurance Customer Insight Engine Marketers think in terms of Buyer Personas, but building an efficient segmentation of customers into these categories is not easy for many of users. Thanks to a deep and dynamic psychological model that extracts meaningful patterns from the gathered data, Neosperience Customer Insight Engine builds the exact Buyer Personas profile related to a particular customer, involving static and dynamic (through time) sentiment analysis thanks to information acquired from their profiles, matched to their purchase behavior. Dimensions include Personality (big five), Need for Cognitive Closure vs. Ambiguity Tolerance, Locus of Control. Analytics Engine Customer interaction with DCX objects deployed to every channel produces a continuous stream of uncorrelated data; that has to be crunched and aggregated into meaningful metrics. Neosperience Analytics Engine provides a marketing aware layer of abstraction over acquired metrics and customer behavior trends, composing a synthetic view of the customer, providing organization with a dashboard of relevant metrics such as ARR, Churn Rate, Conversions and overall AARRR. Context Engine Customer contextual information and behavioral trends allow to model customer actions towards the brand, to predict actions. Neosperience Context Engine builds a real- time model of the customers’ behavior, detecting recurring patterns of actions related to contextual factors (time of the day, day of the week, weather, etc.) performing a temporal analysis involving multi-dimensional pattern recognition through deep learning. Collected data allow to proactively suggest the next best action or the next product recommended at the right time. 8.TechnicalArchitecture

16. Neosurance 9. Team Dario Melpignano Co-founder of Neosperience, serial entrepreneur with 2 successful exits completed (Datanord and FullSix). Alex Karpov IOS developer and software engineer. Luciano Pezzotta Strategy and innovation expert, 15+ years of consulting, Blue Ocean Strategy Lead Consultant for Asia-Pacific. Francesco Corea Experience in technical consulting and data science. He leads all the operative efforts. Andrea Silvello Founder of 3 start-ups, 15+ years of experience in strategy consulting, including Bain & Company and BCG. Sandro Repetti Neosperience’s Chief Experience Officer, has 20+ years experience in web and mobile applications. Celia Clinciu Digital Strategy Consultant at DigitalTech, has skills in web and mobile development projects. Narciso Podda Strategy consultant with a deep knowledge of Asia-Pacific markets and economics. Shareholder andboard ManagementOperations Asian Team Simone Valenti Android developer and software engineer.

17. Neosurance www.neosurance.eu | info@neosurance.eu