eBaoTech is a global insurtech company with over 1,600 employees serving over 200 customers in 30+ countries. It provides the InsureMO platform-as-a-service (PaaS) and SaaS/applications to enable insurers and other companies to offer digital and connected insurance products. InsureMO is a cloud-native, microservices-based platform that provides tools like a digital product library, flexible product configuration, APIs, and other services. Several large insurers in China and other multinational insurers in countries like India, Japan, France, and the US have implemented InsureMO to power their digital transformations and offerings.

1. © 2021 eBaoTech Corporation. All rights reserved.
eBaoTech Brief Introduction
August 2021

2. © 2021 eBaoTech Corporation. All rights reserved.
Who We Are
2
200+
CUSTOMERS
30+
COUNTRIES
1,600+
EMPLOYEES
Asia Pacific:
Shanghai
Bangkok
Beijing
Jakarta
Kuala Lumpur
Mumbai
Pune
Singapore
Sydney
Tokyo
Wuxi
Americas:
New York
Sao Paulo
Bogota
Europe:
Zurich
London
GENERAL
LIFE
HEALTH
InsureMO PaaS
 Cloud native
 Open API
 Insurance products
 Insurance services
 Other services
 Utilities and tools
 DigitalCore Suite
 Policy admin
 Claims
 Agent Apps
 Reinsurance
SaaS/Applications
Global and Local Teams

3. © 2021 eBaoTech Corporation. All rights reserved.
Where We Are
3
200+ Insurers as customers in 30+ Countries

4. © 2021 eBaoTech Corporation. All rights reserved.
Customer Examples: Insurers, Channels, Techs
4
Insurers Channels Insurtech/Tech

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Connected Insurance: Opportunities and Challenges
5
 Digital insurance: connected insurance
 Connect insurance to numerous scenarios
 Innovate new products to cover risks not possible before
 Opportunities
 Big growth potential
 Less commodity competition
 Challenges
 Complex products and processes
 Conservative regulatory framework
 Culture of slow action and risk aversion
 Outdated technology unable to meet 3V challenges of
digital insurance:
 Massive volume
 Massive variation
 Massive velocity
Embed insurance in numerous
affinity businesses

6. © 2021 eBaoTech Corporation. All rights reserved.
Insurance Technology Going Cloud Native
6
Tech Key Words:
Cobol, Mainframe,
AS400, Green screen
Business/Operation
Enabled:
Mainly booking,
Centralized operation
w/paper/fax, Little
process support
Tech Key Words:
Client-Server, C++, Unix,
Local Area Network
Business/Operation
Enabled:
Distributed operation,
Some process support,
Scan image based
internal collaboration
Tech Key Words:
Browser-Server.
Java, .Net, Linux,
Windows Server, Internet
enabled
Business/Operation
Enabled:
Large scale distributed
operation, Externalization
to channels
Tech Key Words:
 Cloud, Micro services
 API economy
 Big data
 AI
Business/Operation
Enabled:
 Connected insurance:
Embedding insurance in
numerous scenarios and
partners
 Massive volume
 Massive variation
 Massive Velocity
1G: Cobol
1960 - 2000
2G: Client Server
1985 - 2005
3G: Browser Server
2001 - 2025 (?)
4G: Cloud Native
2016 onward

7. © 2021 eBaoTech Corporation. All rights reserved. 7
eBaoTech Digital Solutions: PaaS and SaaS/Applications
IaaS
Private Cloud Google Cloud
Alibaba Cloud Azure
AWS
InsureMO
API Gateway
Insurance Products
Product
Catalog
Product Lib
Component Lib
Insurance API
Product
Factory
API
Factory
Other microservices
Payment services
CRM
Channel Mgt.
Data process
Foundation & service mgmt.
API & service mgmt.
DevOps
Monitoring
Foundation platform
Insurance Business Ecosystems
AutoShop
(car dealers)
MobileAdvisor
(traditional agent)
Distribution Cloud
(Thailand GI)
Risk control Claim Transport
service provider
Other potential
scenario
Health TPA
General
Insurance
Life
Insurance
Group Life
Insurance
Product
Under
writing
Policy
Claim
Re
insurance
Channel
Insurance IT Ecosystem

8. © 2021 eBaoTech Corporation. All rights reserved.
InsureMO: Middleware Powering Insurance Applications
Apps for Insure User Apps for External User
InsureMO: Key Strengths
 Cloud native and microservices based
for massive volume, variation and
velocity
 Digital insurance product library with
base products and SKU from many
countries
 Super flexible product factory
 Service and API factory and
development tools
 Massive API library
 Other relevant APIs from partners
Back Office: System of record
Batch process Heavy manual process
Storage
Simple
Apps
Full PAS
suite
8
InsureMO®
Insurance Products
Insurance
API
Other
API
Insurance Products
Insurance
API
Other
API
InsureMO®

9. © 2021 eBaoTech Corporation. All rights reserved.
InsureMO® Portal: Digital Insurance Workbench
9

10. © 2021 eBaoTech Corporation. All rights reserved.
Top Insurers in China Adopting eBaoCloud InsureMO
10
Core business system application cluster based
on InsureMo supports the digital transformation
of traditional insurance business
Re-insurance
PAS: Motor
Smart Operation
Center
Open API
Platform
PAS:
Microinsurance
InsureMO®
PAS:
Non Motor
Business
Exception
PAS:
A&H
Insurance
API
Other
API
Insurance
Products
15 applications, 80 microservices, 2,000 API
17.3 Million
Total number of
conventional policies
issued
1.16 Billion
Total number of micro
insurance policies issued
US$ 3.64 Billion
Total premium written
3,391
New SKU (plan,
campaign) launched
181
New partners
connected
(channel, insurtech)
28
New base
products
launched
85 Million
Number of micro insurance policies
issued on December 12, 2019
445 Thousands
Number of conventional
policies issued Sept 27, 2019
Taiping Life Core
InsureMO®
Channel Connections
Channel
API
Other
API
Insurance
Products
Business Function
 Product factory
 Channel configuration
management
 Inquiry and quotation
 Auto-underwriting
 Real-time online policy
issuance
 Electronic policy
 Electronic return visit
 Self customer service
 One-click claim
settlement
 Online query
 Report

11. © 2021 eBaoTech Corporation. All rights reserved.
Digital Channels
SBIG India: Powering Banca and Digital Channels
 InsureMO powers the sale of Insurance for SBI
General for all its 40 + retail products across
Motor, Health, Property and Liability lines
 InsureMO acts as Digital Front-end for all of SBI
Generals Banca and Digital Channels
 InsureMO has met the performance
benchmarks and security standards of India’s
biggest Banca channel, namely, State Bank of
India which has:
 4.5 million customers
 Over 200K employees
 across 24,000 Branches
 SBI’s YONO App has over 50 Mn +
downloads across SBI Group customers
Customer
/Agent
Portal
Web
Aggregato
rs
Corporate
Agent/
Digital
InsureMO – Headless Digital Platform
Banca Channels
SBI
Bank/Yono
SBI Cards SBI Caps
InsureMO®
11
Insurance Products
Insurance
API
Other
API
InsureMO®

12. © 2021 eBaoTech Corporation. All rights reserved.
Japan: Dai-ichi Life Going Digital on InsureMO
 First initiative is for scenario based
insurance products distributing through
affinity channels –Live in April of 2020
 Expanding InsureMO to cover more product
lines and use cases including A&H,
EB(Gourp life) etc. – Ongoing, to be
launched in 1Q of 2021
 First eBao Cloud client on Azure in Japan
 InsureMO as the middleware to enable
connectivity and API capability for both front
end and PAS applications..
 Front-end applications were developed by a
third party vendor powered by InsureMO
API. PAS applications were implemented by
joint team of eBao & NTTData
InsureMO®
12
Insurance Products
InsureMO®
Insurance
Products
Insurance
API
Other
API
Prem Calc Validation Proposal
Quotation Claim …
Front End Applications
Affinity Channels
Direct Customer
Portal
Other Channels
PAS: EB
PAS: A&H
PAS: Microinsurance

13. © 2021 eBaoTech Corporation. All rights reserved.
LI
Insurer
GI
Insurer
Health
Insurer
Flipkart – India’s Largest eCommerce
 Insurance connections: 3 Life, 3
General and 3 Health
 New Business , Policy Servicing and
Claim API embedded as part of
Flipkart customer Journeys
 InsureMO product factory to support all
lines of business Life, GI and Health
 Third Party API connections with
various Govt APIs as part of India
Stack and other payment and eKYC
APIs
 Customer 360 - Powering Flipkart
Mobile APP, Web APP, Call Centre
application and CRM tools
13
API
API
API
API
Insurance Products
Insurance
API
Other
API
InsureMO®

14. © 2021 eBaoTech Corporation. All rights reserved. 14
France: SocGen Insurance – Contextual Insurance
 Wholesale broker providing
scenario based insurance products
(travel delay, e-commerce shipment
and returns, mobile screen
damage) in France and EU
 Leveraging 3rd party APIs and
partner AI engines for pricing and
automatic claim processing
 Variety of channels:
 Financial institutions
 Retailers
 E-commerce sites
eBaoCloud provides
quotes and issues policy
Insurance offering easily
integrated into channel
websites via automatically
generated and exposed
APIs
External risk
data / profiling
used to calculate
client specific
premium
Real-time automatic
claim settlement
Reports and
financial data for
digital broker
Policy and claims
data for insurance
carriers
API calls
Data Extraction
Arrivals /
Departures
Shipping
cost
Broken
screen
API calls
InsureMO®
InsureMO®

15. © 2021 eBaoTech Corporation. All rights reserved.
Indeez in Paris: EU and UK protection for GIG-workers
 Indeez, EU insurtech broker,
serving independent workers on
platforms such as Uber and
Deliveroo
 Building micro insurance
products using InsureMO for
product management, API
generation and management
 Both front-end and back-end
apps built by Hexaware
InsureMO®
15
InsureMO®
Issuance
Quotation Claim …
Front End Applications
GIG-platforms Indeez App Other Channels
PAS: Income protection
InsureMO®
InsureMO®

16. © 2021 eBaoTech Corporation. All rights reserved.
U.S.: Transportation Insurance Captive
Customer: A greenfield Specialty Commercial Transportation
Insurance Captive that is part of a privately held group of
transportation related companies.
Problem Statement: Client needed a rapid implementation of
cost effective and state-of-art policy administration system.
eBaoTech Solution: Implemented Auto Physical Damage for
commercial trucks and Non-Trucking Liability (Bobtail
Insurance), eBaoTech implemented an out-of-the box digital
core Underwriting and Policy Admin solution with Back Office
workflow and UI. The solution included Submission via API
from Application System, Underwriter Process (Rate, Quote,
Bind, BIE Endorsement, Cancellation & Renewal) and Third
Party API to SambaSafety for MVR reports.
Customer Benefits: Includes and not limited to`
 Accelerate Deployment: Rapid 8 week MVP
implementation of 2 products across 15 states;
Additional 35 States, MVR retrieval in additional 4 weeks.
 Cloud enabled: InsureMO® 100% cloud multi-availability
zone, highly available and resilient infrastructure.
 Reduced cost of ownership: InsurMO® is cloud based,
and so is most cost effective option for the customer.
16
eBaoCloud Digital Core
Front End
…
eBaoCloud InsureMO (Middle Office)
Services
Product Factory
PAS
Sales & Service APIs
Quote
Submission
Third Party
Submission
System
Integrated
MVR
Retrieval
API
Live in 48 states in 12 weeks
Future State
Q2 2021

17. © 2021 eBaoTech Corporation. All rights reserved.
U.S.: Digital Insurer - Digital Claim Platform
Customer: Global provider of property, casualty and specialty
insurance and reinsurance solutions.
Problem Statement: For US, client was looking for new
partner to enable further growth in U.S. business and For
APAC region, client wanted to automate and modernize legacy
claims processes and system.
eBaoTech Solution: For US and APAC, eBaoTech team
enabled a cloud based, modern, scalable claims management
solution, highly available and connected with resilient
infrastructure, for 4 products - auto, home, collections (e.g. art,
wine, autos) and personal excess.
Customer Benefits: Starting with US region (phase 1),
 Accelerated implementation: Successful launch of MVP
US within 4 months across 4 product lines.
 Multiple integrations: Multiple Third Party integrations with
OKTA user authentication, One Inc. Claim-Pay in in
future Unqork Policy Admin.
 Cloud Enabled: InsureMO®
is 100% cloud with multi-
availability zone and resilient infrastructure, providing all
claim process services, integrated external services.
 Reduced cost of ownership: InsureMO® is cloud based,
and the most cost effective option for the customer.
17
eBaoCloud Digital Core
Front End
New Notice
FNOL
Submit Claim
Registration
Calculate
Reserve
Litigation
Approve
Settlement
…
Claim
Adjuster
eBaoCloud InsureMO (Middle Office)
Services
Product Factory
…
Claims APIs Layer
Other APIs
Claim
Other APIs
Q2 2021

18. © 2021 eBaoTech Corporation. All rights reserved.
Insurance Products
Insurance
API
Other
API
InsureMO®
Enable Insurtechs to quickly connect to sales channels in realtime through any device.
18
88i APP Broker
Agents D2C
Tele-sales
Affinity
Social
Media
Carriers / Assistance
88i Blockchain
InsurTech in Brazil: Ecosystem oriented Insurance
Products:
 Mobile
 Auto Assistance
 Personal Accidents
 Home Owners
 Engeneering
 Bike
 Travel
API
API
API
API

19. © 2021 eBaoTech Corporation. All rights reserved.
Insurance Ecosystem Platform: Focused and Selective
19
InsureMO®
MobileAdvisor China: Life Broker Platform
Independent brokers and InsurTechs
D2C Portal
Proposal Policy Custody
Issuance
Online Self-service
 Fully automated sales process for life policies:
quote, benefit illustration, submit, issue
AutoShop China: Car Dealers Insurance Platform Insurance Distribution Platform in Thailand
 Motor insurance sales centered on car
dealer’s platform, powered by eBaoCloud
InsureMO
Car Dealers and Car Maker Shops
Insuran
ce
Sales
Insurance
Renewal
Insurance
Claims
Non Insurance
Service
Repair Work
Tracking
 An insurance distribution hub for all
channels and general insurance products
in Thailand market.
Traditional and Digital Channels
Broker/Agent Portal D2C Portal
Open API Platform Mobile APP
50+ Core Systems of Insurer Connected 20+ Core Systems of Insurer Connected 12 Core Systems of Insurer Connected

20. © 2021 eBaoTech Corporation. All rights reserved.
AutoShop China: Digital insurance platform for mobility ecosystem
20
Ecosystem to connect Insurance & Auto Mobility for car dealers, powered by eBaoCloud InsureMO
Insurance
Claims
Repair Work
Tracking
Insurance
Renewal
Insurance
Sales
Car Dealers and Car Maker Shops
Panel of Insurers
Non
Insurance
Services
InsureMO®
Tech Eco Partners
Other Eco Partners
 ERP/DMS Dealer internal system is
connected
 Automotive on-board telematics is
connected
 Internet of Vehicles Data source is
connected
 Third party Call center/SMS will
be connected
 Premium Installment/ Car loan
service provided by third party
service
 OCR service provided by third
party
• Top 24 motor insurers on board already.

21. © 2021 eBaoTech Corporation. All rights reserved.
AutoShop: Flexible Bundling of All Types of Products
21
Products Insurer Car dealer
Auto v
A&H v
Extended Warranty v v
Tire Protection v
Car Maintenance v v
Vehicle Scratches Service v
Vehicle Wind Shield v v
GAP v
Auto, A&H, extended warranties, tire protection, offered by insurers and dealers

22. © 2021 eBaoTech Corporation. All rights reserved.
AutoShop Volumes: Policy Number, Premium
22
2020 vs. 2019 volumes: 2.6, and 2.4 X, respectively
120
360
1270
3320
0
500
1000
1500
2000
2500
3000
3500
4000
2017 2018 2019 2020
Policy Number (Thousand)
0.38
1.07
3.60
8.90
0
1
2
3
4
5
6
7
8
9
10
2017 2018 2019 2020
Premium (RMB Billion)

23. © 2021 eBaoTech Corporation. All rights reserved.
MobileAdvisor China: Life Broker Platform
23
Fully automated sales process for life policies: quote, benefit illustration, submit, issue
D2C Portal
Proposal Policy
Custody
Issuance Online
Self-service
Independent brokers and InsurTechs
Insurer core system Insurer core system Insurer core system
Panel of Insurers
InsureMO®

24. © 2021 eBaoTech Corporation. All rights reserved.
Insurance Distribution Platform in Thailand
24
D2C Portal
Open API Platform,
etc.
Broker/Agent
Portal
Mobile App
D2C Portal
An insurance distribution hub for all channels and general insurance products in Thailand market. It
connects insurance carriers and brokers and greatly improves their transaction efficiency.
Open API Platform
Insurer core system Insurer core system Insurer core system
Panel of Insurers
Traditional and Digital Channels
InsureMO®

25. © 2021 eBaoTech Corporation. All rights reserved.
© 2020 eBaoTech Corporation. All rights reserved.
THANK
YOU