Investor Presentaiton

Policybazaar business model Consumer education through mass media & PR Inbound consumers ↓ Direct traffic Better conversion (Pull vs Push) ↓ Increasingly efficient operations Direct declaration (vs intermediated) ↓ Sharp risk assessment, lower claims ratio Increasing biz scale We can invest in better consumer service & claims assistance Early fraud detection & driving first notification of loss policybazaar.com paisabazaar consumer Pull (vs Push) ↓ Lower Lapse rates, Higher Persistency Better quality biz @ scale Insurers can focus on new Product & process innovation 16 com TM

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